This document governs the use of the website maintained by Karma Insurance. Please read it carefully before visiting the other pages of our website. By visiting this website, you acknowledge your acceptance of the conditions set out herein.
The purpose of the Karma Insurance site is to provide you with information on the company, as well as its products and services. All products and services mentioned on this site are subject to the terms and conditions of the contracts and policies applicable thereto.
Our products and services are offered only in Canada and to Canadian residents, and certain products and services may not be available in all regions of Canada. Moreover, nothing on this site constitutes an offer to buy or sell the products and services of Karma Insurance; nor is anything on this site intended to promote such products and services in other territories.
Reliability of Information
Karma Insurance has attempted to convey information that is as reliable as possible on its website. However, the Company cannot guarantee that the information is accurate, complete and current at all times. In addition, Karma Insurance reserves the right to change the information on its website at any time, without prior notice.
Copyright and Trademarks
The information on this website is protected by current Canadian legislation governing copyright, trademarks and intellectual property rights, as well as similar legislation in other territories, as the case may be. Visitors to this website are prohibited from copying, printing or downloading information other than for personal, non-commercial use. In doing so, they must state the information’s source and ensure that the said information has not been modified in any way. Further, all copyright and other notices must be retained. No person may create any kind of link to this website or to its content, including through frames or hypertext, without prior written consent from Karma Insurance. Any infringement of Karma Insurance’s rights may result in the appropriate legal remedy.
Confidentiality and Security
You are in control of the quantity and type of information that you share with Karma Insurance while visiting this website. As a visitor, you can browse this site in order to find information without having to disclose personal information in any way.
Even though Karma Insurance has put security measures in place, you must remain vigilant while using the Internet. If you are assigned a personal identification number to access any part of this website, you must ensure that it is protected at all times.
Technologies used on our website
Cookies: This website sends “cookies” to anybody visiting its website to simplify navigation and to improve user experience. A cookie is a small data file sent by the website to your browser, which may then be stored on your hard drive. This allows Karma Insurance to personalize the content that you see on our website, to know if you already have an account or to recognize your language preferences. Cookies do not allow us to collect your personal information. We can’t identify a specific individual.
You may choose to deactivate cookies in your browser. If you choose to do so, however, you may not have access to certain functionality on our site.
Tracking tools: Karma Insurance uses tracking tools such as Google Analytics to collect anonymous data to monitor and analyze the use of our website. The tools collect information such as the browser type, the number of page views and the session duration. Karma Insurance uses this data to improve content, display and performance. We invite you to read the Google Ad Preferences page for more information.
You can set preferences for how Google advertises to you, and if you want to you can opt out of interest-based advertising entirely by using the Google Ad Preferences page.
Transport Layer Security (TLS): Karma Insurance uses the Transport Layer Security (TLS) protocol to allow secure data transmission. This protocol encrypts data using a cryptographic key and certificate issued by a company called Cloudflare to protect personal data. To find out more, please visit the Cloudflare website.
Karma Insurance as well as its administrators, officers, employees and representatives shall not be held liable for any loss or damage arising directly or indirectly from use of this website, including special or consequential damage and damage to third parties. You agree that use of this website or of any website linked hereto is made entirely at your own risk.
More specifically, but without limiting the generality of the foregoing, Karma Insurance and its administrators, officers, employees and representatives shall not be held liable for any damage arising from actions taken based on the information on this website or arising from damage sustained as the result of disclosing personal or confidential information to Karma Insurance over the Internet.
This website contains links to other websites that are not managed or updated by Karma Insurance. These links are provided for information purposes only and shall not be interpreted as an endorsement of their content by Karma Insurance.
Likewise, Karma Insurance shall not be held liable for damages arising from unauthorized reproduction or use of the information on this website.