Conditions of Use

1. Acceptance of Terms

By accessing or using the website of The Personal Insurance Company ("The Personal", "we", "us", or "our"), you agree to be bound by these Conditions of Use. If you do not agree with any part of these conditions, please discontinue use of our website immediately.

These Conditions of Use apply to all visitors, users, and others who access the website.

2. Use of the Website

You may use this website only for lawful purposes and in accordance with these Conditions of Use. You agree not to:

• Use the website in any way that violates applicable federal, provincial, or local laws
• Transmit any unsolicited commercial communications
• Attempt to gain unauthorized access to any part of the website or its related systems
• Use automated tools to scrape, crawl, or extract data from the website
• Introduce viruses, trojans, or other malicious code

3. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of The Personal Insurance Company or its content suppliers and is protected by Canadian and international copyright laws.

The "thePersonal" name and logo are registered trademarks of The Personal Insurance Company. You may not use our trademarks without prior written permission.

4. Insurance Products and Services

Insurance products and services offered through this website are subject to the following conditions:

• Availability: Products may not be available in all provinces and territories
• Eligibility: Coverage is subject to underwriting approval and eligibility criteria
• Quebec Residents: Auto insurance in Quebec is provided through a government plan. Our private auto insurance covers civil liability for damage outside Quebec
• Accuracy of Quotes: Online quotes are estimates only and are subject to change upon full underwriting review
• Policy Documents: The actual insurance policy, not this website, governs coverage terms

5. Disclaimers and Limitations of Liability

The Personal shall not be liable for:

• Any indirect, incidental, special, or consequential damages
• Loss of data or profits arising from use of the website
• Errors or omissions in website content
• Service interruptions or technical issues

6. Third-Party Links

Our website may contain links to third-party websites for your convenience. These links do not constitute an endorsement of those websites or their content. We have no control over the content of third-party sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

7. User Accounts

If you create an account on our website:

• You are responsible for maintaining the confidentiality of your login credentials
• You agree to notify us immediately of any unauthorized use of your account
• You are responsible for all activities that occur under your account
• We reserve the right to terminate accounts that violate these Conditions of Use

8. Governing Law

These Conditions of Use shall be governed by and construed in accordance with the laws of the Province of Quebec and the federal laws of Canada applicable therein. Any disputes arising under these conditions shall be subject to the exclusive jurisdiction of the courts of Quebec.

If you are a resident of another province, you may also be subject to the laws of that province.

9. Changes to These Conditions

We reserve the right to modify these Conditions of Use at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website following the posting of changes constitutes your acceptance of the revised conditions.

We encourage you to review these Conditions of Use periodically.

10. Contact Us

If you have questions about these Conditions of Use, please contact us: