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The term "MDM" shall mean MDM Insurance Services Inc.

THE MATERIAL AND INFORMATION IN THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED.

MDM disclaims all warranties, expressed or implied, including, without limiting the generality of the foregoing, all warranties of merchantability and fitness for a particular purpose.

It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters and accordingly assume no liability whatsoever in respect to your personal situation.

MDM completely disclaims all liability for the use of the information contained in this site by any user, including any losses, damages, lawsuits, claims or expenses anyone may incur as a result of using this information. Further, and without limiting the generality of the foregoing, in no event shall MDM be liable for any direct, indirect, special, incidental or consequential damages arising out of the use of the information herein even if it has been advised of the possibility of such damages.

Copyrights

Unless otherwise noted, the graphic images, button, layout and text contained in this Web site are the exclusive property of MDM and may not be copied or distributed, in whole or in part, without the express written consent of MDM. Permission is granted to print copies of this document, and to display and use this document with a computer solely for personal use.

Hyperlink

MDM cannot guarantee that any Hyperlink set out on the sites will be accurate at the time of your access. Moreover, the sites pointed at by a Hyperlink are developed and possibly maintained by persons over whom MDM has no control. We cannot and do not monitor the sites linked to our pages on the Internet. Accordingly, MDM assumes no responsibility for the content of any sites referenced by any Hyperlink or otherwise.

Data Protection

MDM has the right, but not the obligation, to monitor any transmission made to and for this Web site.

Software Quality

MDM does not warrant that any information, software or other material accessible through one of their Web pages is free of viruses, worms, Trojan horses or other harmful components.

Privacy

MDM is committed to protecting your privacy and the confidentiality of your personal information.

As a consumer, you have a right to know why we ask for your personal information and how we will use it.

Why do we ask for your personal information? This information helps us establish a lasting relationship that will serve your needs as they grow and change. The personal information we collect provides us with an accurate profile that relates specifically to you. It can be collected directly from you or from a third party. Personal information gathered depends on the product or service you are applying for, or inquiring about, and may include the following:

  • your name, address and telephone number

  • age, gender, family and marital status

  • medical and health records

  • occupation and income

  • identification numbers including Social Insurance Number

  • assets, liabilities, payment records

  • previous insurance and claims experience

How will we use your information?

MDM collects and uses your personal information for the following purposes:

  • to understand your needs

  • to establish and maintain communication with you

  • to comply with the law

  • to compile statistics

  • to provide you with information on our products and services that we believe may be of interest to you

Your Rights as a Consumer

As a consumer it is your right to choose not to provide us with some or all of your personal information. Please understand that if you make this choice, we may not be able to provide you with some products, services or information of value to you. You have our word that if you choose not to share all of your personal information with us we will not unreasonably withhold products or services from you.

Be assured that we safeguard your personal information with the appropriate safeguards and security measures to protect against unauthorized use, access to, alteration, destruction or disclosure of your personal information.

When we provide information in response to a legal inquiry or order, we ensure that the order is valid and we disclose only the information that our lawyers advise is legally required.

By providing us with your personal information or by applying for a product or service from MDM it is assumed, unless you object, that you are granting us your permission to share your personal information within MDM and with third parties with whom MDM has established, or will establish, relationships to offer and provide you with a full range of financial products and services.

If you have any questions or concerns please email us at inquiry@mdm-insurance.com

Update of Legal Information

This page is updated and modified from time to time. Each time you access Web pages of MDM make sure that you check this page.

Last updated - September 23, 2002

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