Terms and Conditions of Use
Please read these terms carefully. If you do not agree with any of these terms or conditions, do not access or otherwise use this website or any information contained on this website.
Limited License and Use
Farm Mutual Re grants you a limited license to display the contents of this site on your computer or other electronic device you use to access this site, and to print, download and use the materials on this site solely for informational purposes or to transact with Farm Mutual Re, provided that the contents of this site are not modified in any way and that all copyright and other notices are maintained. You agree not to, or allow others to, directly or indirectly, attempt or actually disrupt, impair or interfere with, alter or modify this site or any of its content.
This site is not intended to provide you with any personalized financial, insurance, legal, accounting, tax, medical or other professional advice. You will not rely on this site as a substitute for independent research or for personal advice from a representative of Farm Mutual Re or its affiliated companies or any other appropriate professional advisor.
Nothing on this site constitutes an offer to buy or sell products or services of Farm Mutual Re or any third party. All products and services are subject to the terms and conditions of any applicable contracts and applicable laws. Farm Mutual Re products and services and those of third parties described on this site are available only in jurisdictions where they may be lawfully offered for sale in Canada.
The use and content of this site, including the terms and conditions of use, shall be governed by the laws of the Province of Ontario and the laws of Canada applicable therein and you agree to attorn to the jurisdiction of the courts of the Province of Ontario.
If you are accessing this site on behalf of another party, you confirm you are authorized to do so, and agree you shall be liable and will indemnify and hold harmless Farm Mutual Re, its affiliates, and each of their respective directors, officers, employees and agents, in the event the party you are acting on behalf of claims you did not have such authority or the information you submitted was inaccurate.
No endorsement or approval of any third party or their statements, opinions, information, products, or services is expressed or implied by the contents of this site. To the extent any third-party opinions or information are included on this site, they are provided for convenience only and Farm Mutual Re assumes no liability and does not approve or endorse such third-party content, or warrant such content to be accurate, complete, reliable, verified, error free, or fit for any purpose.
Farm Mutual Re may utilize third party service providers to provide certain tools and/or programs, some of which may be housed on a third-party server or on a site which has been independently developed by others. As such, while accessing this site you may be linked to such other third-party servers. Access to other sites or use of any third-party tools or programs on this site are subject to all terms and conditions found therein.
This site, in whole or in part, may periodically be unavailable to you in order to allow for maintenance or updates, or due to other causes, including causes beyond the control of Farm Mutual Re. Further, any or all of the services on this site may change at any time, with or without notice to you.
This site has been developed by and is the property of Farm Mutual Re. All information and materials contained on this site are protected by copyright, trademark and/or other intellectual property laws of Canada and other countries, and are the property of their respective owner(s). Subject to the limited license to use this site as described above, no person may copy, redistribute, reproduce or republish in any form, or link to this site or its contents in any manner whatsoever, including by way of hyperlinks or framing, unless that person has obtained the prior written consent of Farm Mutual Re. Any infringement of the rights of Farm Mutual Re may result in appropriate legal action.
Farm Mutual Re owns or has obtained the right to use by license or otherwise the trademarks, logos and domain names used on or in connection with the goods and services that it provides and displays on this site. The trademarks are protected by Canadian and foreign trademark laws. All rights reserved. The display of trademarks on this site shall not in any way be construed as an implied license to use such trademarks.
Farm Mutual Re, design and marks displayed on this site followed by the TM symbol at first-time of use are registered or unregistered trademarks of Farm Mutual Reinsurance Plan Inc. or a third party. Third party marks are used with permission or under license.
Security Passwords used to access any features for this Site (if any) are for individual use only. You will be responsible for the security of your password. Farm Mutual Re will be entitled to monitor your password and, at their discretion, require you to change it. If you use a password that Farm Mutual Re considers insecure, Farm Mutual Re will be entitled to require the password to be changed and/or terminate your account.
You agree that Farm Mutual Re shall not be responsible for damages or losses resulting from any breach of security caused by your failure to maintain the confidentiality of your password. If you permit access to your password by third parties, then you agree to defend, indemnify and hold Farm Mutual Re harmless against any liability, losses, damages, or costs and expenses (including attorneys’ fees) arising out of, or resulting from, such access and related use of this Site. Farm Mutual Re reserves the right to block access to this Site for any reason. You also agree to immediately notify Farm Mutual Re if you:
become aware of any loss or theft of your password, or
become aware of any unauthorized use of your password.
Finally you acknowledge and agree that you will not: (i) collect or store data about other users of this Site, or (ii) upload, e-mail, or otherwise transmit any material that contains viruses or any other computer code, files, or programs that might interrupt, limit, or interfere with the functionality of any computer software, hardware, database or file, or communications equipment that is owned, leased, or used by Farm Mutual Re.
For your protection, Farm Mutual Re may require the use of encryption technologies for certain types of communications conducted through this Site. This Site has adopted industry standard security measures to protect the loss, misuse, and alteration of the information under our control. While we provide those technologies and use other reasonable precautions to protect confidential information and provide suitable security, we do not guarantee or warrant that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception, or error. While there is no such thing as “perfect security” on the Internet, we will take reasonable steps to ensure the safety of the information transmitted. There is always the possibility of unknowingly acquiring computer viruses on the Internet and thus we want to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded materials received from the Internet. Farm Mutual Re is not responsible or liable for any damage caused by viruses or related hazards, whether or not that virus or hazard resulted from a visit to this Site. You, and not Farm Mutual Re, assume the entire cost of all necessary servicing, repair, or correction related to computer viruses.
BY ACCEPTING THESE TERMS, YOU WAIVE AND HOLD HARMLESS FARM MUTUAL RE AND ITS SUBSIDIARIES FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY FARM MUTUAL RE DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER FARM MUTUAL RE OR LAW ENFORCEMENT AUTHORITIES.
While the information posted on this site is believed to be reliable and accurate at the time of posting, Farm Mutual Re does not guarantee, represent or warrant that the information contained on this site is accurate, complete, reliable, verified, error-free or fit for any purpose.
Nothing on this site forms a contract, or a part of any contract, other than as it relates to the use of this site or as may be expressly provided. In the event of a conflict between the information contained on this site and the terms contained in any product or services offered by Farm Mutual Re or a third party, the terms contained in any document detailing such product or service will prevail.
Neither Farm Mutual Re, nor any third party, make any representations or warranties, express or implied, regarding the usability or condition of this site, that this site will operate uninterrupted or error-free, or that this site will operate in combination with any services or software used in connection therewith or that it shall be viewed consistently with all browser software or that any communication transmitted to or from this site is private, confidential or secure.
Farm Mutual Re expressly disclaims all representations, warranties or conditions, express or implied, statutory or otherwise, including, without limitation, the warranties and conditions of merchantable quality and fitness for a particular purpose, non-infringement, compatibility, timeliness, security or accuracy, and any representations, warranties or conditions that may arise from a course of dealing or usage of trade.
You assume full responsibility for risk of loss of any nature whatsoever resulting from your use of this site. Without limiting the generality of the foregoing, you acknowledge and agree that none of Farm Mutual Re, its affiliates, or any third party, or any of their respective directors, officers, employees or agents shall be liable to you for loss of data, computer time or any loss or damage of any nature whatsoever arising out of or attributable in any manner whatsoever to your use or inability to use this site for any reason whatsoever or to any action or inaction on the part of Farm Mutual Re or for any direct, indirect, special or consequential damages, even if Farm Mutual Re has been advised of the possibility thereof, including but not limited to lost profits, lost opportunities or business revenues, loss of goodwill, or failure to realize expected savings.
This site contains links to or may be accessed from other sites which are not maintained or controlled in any way by Farm Mutual Re. Farm Mutual Re does not control and is not responsible for any of these sites or their content, and as a result such links are not to be construed as an endorsement by Farm Mutual Re or any other party of the products, services, advice or opinions or any other content of such sites. Access or use of sites to which links are provided and of sites that link to this site are subject to the terms and conditions of such sites. You are fully responsible for any use that you make of the content contained on such sites and you are solely responsible for the consequences of any use of or reliance on such content. Links to such sites that are not maintained or controlled by Farm Mutual Re are provided for convenience only.
Farm Mutual Re provides you with access to this site through the networks of third-party telecommunications providers and through other suppliers and third parties. Farm Mutual Re assumes no responsibility for security of your facilities or networks, nor for unauthorized access to such facilities or networks. In all cases, you are responsible for determining and establishing secure network access configurations. Farm Mutual Re, its affiliates, and each of their respective directors, officers, employees and agents, shall not be liable for any inability, failure or mistake related to any security breach or identification of such breach or any loss that results from the transmission of confidential or sensitive information over the Internet.
If any of these terms and conditions are determined to be invalid or unenforceable in whole or in part, such invalidity or unenforceability attaches only to such term or condition and all other terms and conditions shall continue in full force and effect.
Senior Vice President & Chief People Officer