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Kanetix Insurance Shopping – Terms and Conditions

Terms, Conditions and Notices:

Acceptance of Terms and Conditions
The terms and conditions (the “Terms and Conditions”) contained below govern your use of the Website (the “Website”). By accessing, browsing or using the Website, you accept and agree without limitation or qualification these Terms and Conditions and all applicable laws . If you do not agree with any part of these Terms and Conditions, please do not use the Website as your use of the Website will constitute your acceptance of these Terms and Conditions. From time to time, KTX Insurance Agency, Inc. (“KTX”) may modify or revise these Terms and Conditions and could post such changes on the Website at any time without notice to you. At any time and for any reason and at our sole discretion, KTX reserves the right to terminate, change, suspend or discontinue any part of the site including but not limited to, access, availability, features, functionality, services and content on a portion or portions of the Website or the entire Website. By accessing, browsing or using the Website after any modifications or revisions to the Terms and Conditions, you agree to be bound by such modifications or revisions.

Permitted Use
KTX operates an online insurance marketplace that enables consumers to comparison shop online and to obtain insurance company-sponsored quotes for a variety of insurance products, including automobile. I understand that by ticking "I have read and agree with the Terms and Conditions" while completing the online quote form, I agree that the information I have supplied to KTX can be transferred to insurance intermediaries and providers partnered with KTX and that these intermediaries and providers may provide me with an online auto insurance quote or may contact me via email or by phone to provide an auto insurance quote or to provide a link to an auto insurance quote or to obtain additional information for the purpose of providing an auto insurance quote. Because of this, all of the content in the Website is made available only for your personal, lawful, non-commercial use in connection with seeking insurance quotes and insurance related information. Unless agreed to in writing by KTX, use of the Website by any competitor company or other non-consumer third party is strictly prohibited. Additionally, you may not, without our prior written permission: (i) link from another Website to the Website; (ii) post, transmit, copy, modify, create derivative works from, distribute, sell, or republish anything you obtain or download from the Website; or (iii) engage in systematic retrieval of data or other content from the Website. Furthermore, you agree not to use the Website in any manner that could impair, damage, disable, overtax, or interfere with any other consumer’s use of the Website.

Information and Services On The Website
On the Website, KTX provides consumers with information (“Information”) and access to insurance quotation and fulfillment services (“Services”) provided by our network of insurance agents, brokers, insurance representatives and other service providers. KTX does not provide insurance advice or quotes, or issue contracts or binding coverage on the Website. Please seek an insurance agent, broker or other qualified individual if you require insurance-related advice. KTX does not endorse or recommend any companies or insurance policies. KTX is not responsible in any way for the conduct, quotes, products, pricing, or services provided by the insurance agents, brokers, insurance representatives and other service providers in our network. KTX is also not responsible for the protection of any information that you provide to any insurance agents, brokers, insurance representatives and other service providers in our network of providers.

Information Accuracy
Although the content of this Website is deemed reliable when posted, KTX cannot guarantee this information to be current, accurate or complete. The information is subject to modification and updating from time to time without notice.

To the maximum extent permitted by applicable law, you will defend, indemnify and hold KTX and its directors, officers, employees, agents, affiliates and service providers harmless from any and all claims, liabilities, costs and expenses arising from your misuse of the Website in any way, or your transmission of any information through the Website, or your breach of any applicable laws or these Terms and Conditions.

Limitation of Liability
In no event shall KTX be liable for, or in connection with, content posted, transmitted, exchanged or received by, or on behalf of, any user or other person on or through the Website. In no event shall KTX or any of its directors, officers, employees, agents, affiliates or service providers be liable for any damages, losses, injury, or claim, nor any direct or indirect, incidental, consequential, exemplary or punitive damages of any kind, even if KTX, or a KTX authorized representative has been advised of the possibility of damages: (i) related to the use of, or inability to use the Website and its content, data, functionality, materials; or (ii) in connection with use of or reliance on any content, products, services, content, functionality and materials on any linked sites; or (iii) any defect, omission, error, interruption, delay, or computer virus.

Disclaimer of warranties
This Website, including all content, data, functionality, materials, links and services is provided “as is” and “as available” with no warranty of any kind either expressed or implied. KTX does not represent or warrant that: the Website will be available, error-free, or uninterrupted; that defects will be corrected; the Website, any emails sent by KTX, or the server that makes the Website available are free of viruses or other harmful devices; the Website will be available to you or that you will qualify for products or services offered; the materials in the Website will be accurate as of any particular date; or the products or services offered through the Website are available outside of the United States or in all jurisdictions.

Some links on the Website will enable you to leave the Website and connect directly to third party linked sites. You agree that KTX is not responsible for the accuracy, availability or protection of information provided by websites to which you may link to from using hypertext links (“Links”). Websites that are linked to from are not necessarily endorsed by KTX or affiliated with KTX. KTX is providing these links to you only as a convenience.

You agree that KTX is not responsible for the accuracy, availability or protection of information provided by websites to which you may link to using hypertext links. Websites that are linked to are not necessarily endorsed by KTX or affiliated with KTX. KTX shall not be responsible for the contents of any site linking to a Website or for any link contained in a linked site.

Applicable Laws
The Terms and Conditions and the relationship between you and KTX shall be governed by the law of the Province of Ontario in Canada and any use of action that might arise under the Terms and Conditions shall be commenced and heard in the appropriate court in the Province of Ontario.

You expressly consent to the exclusive forum, jurisdiction, and venue of the courts of the Province of Ontario in any and all actions, disputes, or controversies relating hereto. If any provision of these Terms and Conditions shall be found to be unlawful, void and unenforceable, then such provision shall be deemed severable herefrom and will not affect the validity and enforceability of any remaining provisions.

KTX does not guarantee, approve, endorse or warrant, without limitation, the accuracy, completeness or usefulness of any blog posting or blog comment, and is not responsible for the content of any message. The messages solely express the views of the author of the comment, not the views of KTX or any entity associated with KTX. The names of the authors and any other names may be fictitious and may or may not be the person that the name suggests. Considering the real-time nature of this blog, it is impossible for KTX to review all comments or confirm the validity of information posted or the identity of the author.

The Blogs routinely contain links to external, third party websites. By providing links to other sites, KTX does not operate or control and has no responsibility for the information, products and/or services found on any external sites, nor does a link indicate any association with or endorsement by the linked site to Nor do such links represent or endorse the accuracy or reliability of any information, products and/or services provided on or through any external sites, including, without limitation, warranties of any kind, either express or implied, warranties of title or non-infringement or implied warranties of merchantability or fitness for a particular purpose.

Visitors to the blog assume complete responsibility and risk in their use of the blog and any links contained in the blog to any external sites. Visitors should direct any concerns regarding any external link to its site administrator or webmaster.

KTX will not accept transactions or instructions by Internet email messages. However, questions of a general nature or inquiries may be communicated by email.

Any communication transmitted to us by electronic mail becomes the property of KTX and may be used by KTX for any purpose. KTX is free to use any idea contained in any communication sent to us for any purpose whatsoever, including, but not limited to, developing, manufacturing and marketing products using such information.

KTX does not warrant that this site, its servers, or e-mail sent from Kanetix Ltd. are free of viruses or other harmful components.

Copyright Notice
Except as otherwise indicated, all materials on the Website, including but not limited to, the Kanetix logo, and other Kanetix trademarks and service marks, text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, are the property of Kanetix Ltd. and is protected by United States and international copyright and trademark laws. All rights reserved.

Kanetix Ltd. owns, solely and exclusively, all rights, title and interest in the Website including its design, organization of information, data, code, content, and materials including but not limited to all intellectual property and proprietary rights. You may view the content but you may not copy, reproduce, or distribute any aspects of the Website including its including its design, organization of information, data, code, content, and materials without written authorization from Kanetix.

You may request to use materials from the Website by contacting Kanetix Ltd. at (416) 598-5401. Any other use is prohibited.

© 1999-2012 Kanetix Ltd. All rights reserved.

Trademark Notice
The following trademark is registered in the United States and Canada.

  • Kanetix®
  • Other trademarks or tradenames are the property of their respective owners.

    All rights reserved.

    Service Mark Notice
    “Kanetix Insurance Shopping” is a service mark of Kanetix Ltd. Other service names presented on this site are service marks of Kanetix Ltd., except for those of insurance carriers, brokers, agents, industry organizations, service providers and educational institutions, which are service marks of their respective entities.

    Privacy and Security
    Please review our Privacy & Security Policy, which also governs your visit to this Website and has been reviewed and approved by TRUSTe Privacy Program.