Terms and conditions of use

The agreement contains the following sections:

Terms of use

When you access the Web site property of Intact Financial Corporation, you accept and agree to be bound by and comply with the Agreement regarding the use of this web site (the Agreement) the terms and conditions of which are described below as well as at other locations on the Web site (hereinafter called site). Please take a moment to become familiar with the terms and conditions. If you do not accept the terms and conditions, you should immediately discontinue the use of this site.

Intact Financial Corporation has no obligation to update information presented on this web site, however these terms and conditions may be changed at any time without notice. You agree to review the terms and conditions regularly and your continued access or use of the site will mean that you agree to be bound by any such changes.

When you access this site you agree to surrender any legal recourse whatsoever resulting from the use of this site or from any information thereon.

The terms and conditions are of general application and shall be read together with and as supplementary to any disclaimer, term, or condition posted on the site.

If any term or condition is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed to be severable from the rest of the terms and conditions and shall not affect the validity and enforceability of any remaining provisions of the Agreement.

Interpretation and Jurisdiction

When it is appropriate for the interpretation of the text, a word used in the masculine gender includes the feminine gender and vice versa.

Access and use of this site are subject to all laws and regulations applicable in your province or territory of residence. Please be aware that some financial products and services described in the site may not be available in your province or territory of residence. This communication does not constitute an offer or solicitation by anyone in any jurisdiction in which the distribution and selling of financial products and services by subsidiaries and affiliated companies of Intact Financial Corporation is prohibited. Persons accessing this site are required to obtain information about and observe any relevant restrictions.

The terms, exclusions and conditions of the contracts relating to financial products and services mentioned on this site are not fully described. Their interpretation is governed by the terms and conditions of the contract applicable to the insurance or financial product purchased, or to the financial service offered, and by any applicable laws and regulations. In case of any discrepancy between the contract and the website, the contract will apply.

Only Canadian residents who can validly be bound by an agreement under applicable laws can use this site. Individuals residing in an area where the access to or use of the site or any part of is illegal or prohibited are not permitted to use the site. It is your responsibility to determine if you can legally use the site in compliance with all applicable laws.

The investor information contained on this site relates to securities only in those jurisdictions where they may be lawfully available for sale or purchase and only by persons permitted to sell or purchase such securities.


Once you have gained access to the site, it is highly recommended that you do not leave the computer terminal until you have left the site.

Intact Financial Corporation does not warrant that any information, software or other material accessible through one the site or through links to other Web sites is free of viruses, worms, Trojan horses or other harmful components. Without the use of encryption, communication through the Internet or electronic communication is not secure and privacy cannot be ensured.

Please click here to read our guide on internet security.


When you contact a subsidiary or affiliated company of Intact Financial Corporation to purchase a financial product or obtain advice or financial services, it must occasionally collect certain information part of which may be personal.

Rest assured, our subsidiaries and affiliated companies respect the applicable laws with regard to the use of your confidential personal information.

Intact Financial Corporation, its subsidiaries and affiliated companies protect personal information that have been transmitted to them using various means: physical, organizational and technological in accordance with the level of protection required.

Intact Financial Corporation may use small data files (cookies) that are used for your convenience and save you from identifying yourself at each visit. They do not contain or transmit any personal data.

Certain sections of the site may permit the communication of personal information to take advantage of electronic services. Any information submitted to the site is used solely for the purpose(s) identified in its collection.


Cookies are small data files sent to the Internet browser when a user visits an Internet site. Cookies record information on the visitors or on the pages visited. Intact Financial Corporation may use cookies in order to facilitate your future visits on the Site. They do not contain or transmit any personal information.

Intact Financial Corporation has retained the services of a specialized firm to help it evaluate the effectiveness of our advertising and to determine the behaviour of visitors on our Site. To this end, Intact Financial Corporation uses Internet tags and cookies provided by this firm and added to the web pages. We gather only information pertaining to your behaviour on our Site, such as the pages you visit; no personal information is gathered.

Copyrights and Trademarks


The site is protected by Copyright laws and International Agreements on such matters, and its content cannot be altered without infringing on the author's rights and his/her moral rights.

The texts, illustrations, graphics and images displayed on the site are and will remain at all times the property of the author, unless stipulated otherwise herein. They cannot, under any circumstances, be sold, reproduced, copied, modified, published or distributed, in whole or in part, as the case may be, without express permission from the author.

No content from the site may be cited on or transmitted to newsgroups, mail lists, or electronic bulletin boards, or incorporated into any other Internet Web site nor may links be created to this site without indicating the source and address of the site and without the prior written consent of Intact Financial Corporation, its subsidiaries or affiliated companies.


Certain names, words, titles, phrases, logos, icons, graphics or designs or other content in the pages of the site are, as the case may be, trade names or trademarks of Intact Financial Corporation, its affiliated companies or its subsidiaries, registered and/or used in Canada (marks) or in other countries, as the case may be, and represent only part of their intellectual property.

Certain names, words, titles, phrases, logos, icons, graphics or designs or other content in the pages of the site can constitute trademarks or trade names, registered or not, property of third parties and may be used under licence. The display of trademarks and trade names on pages on the site does not imply that a license of any kind has been granted to anyone else. The users are not permitted to use these marks or names without express consent from Intact Financial Corporation or from the third party proprietor of these marks or names.

The following list is not exhaustive and its use and interpretation should be subject to this restriction: Intact Insurance is a trade name for Intact Insurance Company, Belairdirect is a trademark of Belair Insurance Company, Novex is a trade name for Novex Insurance Company. This list is subject to change at all times and without notice.

Any unauthorised downloading, re-transmission, or other copying or modification of trade-marks and/or the contents of the site may be a violation of any federal or other law that may apply to trade-marks and/or copyrights and give rise to legal action. 


Intact Financial Corporation, its subsidiaries and affiliated companies completely disclaims all liability arising from the use of the information contained on this site by any user. Further, and without limiting the generality of the foregoing, in no event shall Intact Financial Corporation, its subsidiaries and affiliated companies be liable for any direct, indirect, incidental, consequential or special damages, losses, claims or expenses arising out of the use of the information herein, or in any way connected with access to or use of the site.

The materials and information on this site are provided as is, and without warranties of any kind, either expressed or implied.

Without limiting the above, Intact Financial Corporation does not represent or warrant that the site or its content will be available or will function without interruption or that it will be free of errors or that any errors will be corrected. In addition, it does not represent or warrant that the use of the site and, including the browsing and downloading of any content, will be free of viruses, Trojan horses, worms or other destructive or disruptive components or that your use of the site and its content will not infringe the intellectual property or other rights of any third party.

When using the site, you have to take reasonable precautions to scan for computer viruses, worms, Trojan horses, and other items of a destructive nature. It is also up to you to ensure that you have a complete and current backup of the information contained on your computer system prior to using the site.

Investing in mutual funds may give rise to the payment of commissions, trailing commissions, brokerage fees, management fees and other expenses. Please read the prospectus before investing. Mutual fund securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that any of the Mutual Funds advertised on this site will be able to maintain their net asset values per security at a constant amount or that the full amount of your investment in the funds will be returned to you. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Investors who do not reside in Canada should communicate with their advisor to obtain additional information regarding the availability in their country of residence of the financial products and services described in this site.


The information provided by Intact Financial Corporation is believed to have been accurate and reliable when posted on the site, but it cannot guarantee that it is accurate or complete or current at all times. The information on this site is for information purposes only and is not intended to provide investment, insurance, financial, legal, accounting or tax advice and should not be relied upon in that regard. For advice please consult the appropriate specialist. As a result, Intact Financial Corporation, its subsidiaries and affiliated companies cannot be held responsible, in all or in part, of the accuracy of the information provided in the site and cannot be held responsible for investment decisions based thereon.

Links to other sites

Links from or to Internet Web sites outside this site are meant for convenience only and you access them at your own risk. The publishers of the outside sites manage their content which are not reviewed, nor approved by Intact Financial Corporation. These links should not construed as an endorsement, a guarantee or a recommendation of the products or services offered on those sites. Intact Financial Corporation cannot guarantee that these links are functional or secure.

You access these sites at your own risk. Intact Financial Corporation cannot be held responsible for damages or prejudice of any nature resulting from the use or the content of the site or of other sites connected to the site by hyperlink.