Terms and Conditions
This website is operated by OMA Insurance (“OMAI”). The terms “we”, “us”, and “our” refer to OMA Insurance.
1. Introduction
The use of our website is subject to the following terms and conditions of use, as amended from time to time (the “Terms”). The Terms are to be read together by you with any terms, conditions, or disclaimers provided in the pages of our website. Please review the Terms carefully. The Terms apply to all users of our website, including without limitation, users who are browsers, customers, merchants, vendors, and/or contributors of content. If you access and use this website, you accept and agree to be bound by and comply with the Terms and our Privacy Policy. If you do not agree to the Terms or our Privacy Policy, you are not authorized to access our website or use any of our website’s services.
2. Use of our Website
The Site does not, and it is not intended to, provide any financial, insurance, legal, accounting, or tax advice, and shall not be relied upon by you in that regard.
The Site shall not be used, or relied upon by you, as a substitute for your independent research or consultation with an OMAI licensed advisor/associate.
You agree to use our website for legitimate purposes and not for any illegal or unauthorized purpose, including without limitation, in violation of any intellectual property or privacy law. By agreeing to the Terms, you represent and warrant that you are of the age of majority in your state or province of residence and are legally capable of entering into a binding contract.
You agree not to use our website to conduct any activity that would constitute a civil or criminal offence or violate any law. You agree not to attempt to interfere with our website’s network or security features or to gain unauthorized access to our systems.
3. General Conditions
We reserve the right to refuse service to anyone, at any time, for any reason. We reserve the right to make any modifications to the website, including terminating, changing, suspending, or discontinuing any aspect of the website at any time, without notice. We may impose additional rules or limits on the use of our website. You agree to review the Terms regularly and your continued access or use of our website will mean that you agree to any changes.
You agree that we will not be liable to you or any third party for any modification, suspension, or discontinuance of our website or for any service, content, feature, or product offered through our website.
4. Products or Services
Products and services offered by, or through, OMAI are available only in jurisdictions where they may be lawfully offered for sale, and not all products and services are available in all geographic regions. All products and services shall be subject to the terms and conditions of any applicable agreements.
As a licensed life and accident and sickness insurance agency, OMAI offers group insurance products, individual insurance products through our approved third party carriers, and a tailored retirement solution for physicians through our Advantages Retirement Plan. OMAI is not an insurance company and does not perform functions related to underwriting, claims adjudication, cancellation, or amendments to coverage under insurance policies.
If you purchase an insurance policy online, your insurance policy will be based exclusively on the information you provided to the insurer. Conditions, exclusions and limitations may apply. OMAI does not claim or guarantee that the options you select are suited to your insurance needs. We invite you to communicate with one of our insurance agents for personalized advice.
5. Your Personal Information
Please see our Privacy Policy to learn about how we collect, use, and share your personal information. When linking to a third party site, you are leaving the privacy coverage of our website and are subject to the privacy coverage and security of the third-party site. OMA Insurance group life, living benefits and health and dental products are offered through Manulife, with group life insurance underwritten by New York Life. The Advantages Retirement Plan is administered by Common Wealth. For more information on the privacy policies of these insurance partners: Manulife, NYL, Common Wealth.
6. Intellectual Property Notice
Names, phrases, logos, icons, graphics, images or designs used throughout the Site may be trade names, registered or unregistered trademarks or services marks ("Trademarks") of OMA Insurance, its parent company or affiliates. The display of Trademarks on this Site is not an implied license to any third party for use of the Trademarks.
All information on this Site is protected under copyright laws. Except as provided on this Site, no one has permission to copy, redistribute, reproduce or republish any information found on this Site, which includes uploading or downloading without the prior written consent of OMAI.
7. Disclaimer and Limitation of Liability
You assume all responsibility and risk with respect to your use of our website, which is provided “as is” without warranties, representations, or conditions of any kind, either express or implied, with regard to information accessed from or via our website, including without limitation, all content and materials, as well as functions and services provided on our website, all of which are provided without warranty of any kind, including but not limited to warranties concerning the availability, accuracy, completeness or usefulness of content or information, uninterrupted access, and any warranties of title, non-infringement, merchantability, or fitness for a particular purpose. We do not warrant that our website or its functioning or the content and material of the services made available thereby will be timely, secure, uninterrupted or error-free, that defects will be corrected, or that our websites or the servers that make our website available are free of viruses or other harmful components.
Our website may contain typographical errors or inaccuracies and may not be complete or current. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update information at any time, without prior notice (including after an order has been submitted). We do not undertake to update, modify, or clarify information on our website, except as required by law.
The use of our website is at your sole risk and you assume full responsibility for any costs associated with your use of our website. We will not be liable for any damages of any kind related to the use of our website.
In no event will we, or our affiliates, our or their respective content or service providers, or any of our or their respective directors, officers, agents, contractors, suppliers, or employees be liable to you for any direct, indirect, special, incidental, consequential, exemplary, or punitive damages, losses or causes of action, or lost revenue, lost profits, lost business or sales, or any other type of damage, whether based in contract or tort (including negligence), strict liability or otherwise, arising from your use of, or the inability to use, or the performance of, our website or the content or material or functionality through our website, even if we are advised of the possibility of such damages.
Certain jurisdictions do not allow limitation of liability or the exclusion or limitation of certain damages. In such jurisdictions, some or all of the above disclaimers, exclusions, or limitations, may not apply to you and our liability will be limited to the maximum extent permitted by law.
If any of the provisions of the Terms are determined by any competent authority to be invalid, unlawful, or unenforceable, such provision will, to that extent, be severed from the remaining Terms, which will continue to be valid and enforceable to the fullest extent permitted by law.
Any disputes arising out of or relating to the Terms, the Privacy Policy, or the use of our website will be resolved in accordance with the laws of the Province of Ontario without regard to its conflict of law rules. Any disputes, actions, or proceedings relating to the Terms or your access to or use of our website must be brought before the courts of the Province of Ontario in the City of Toronto, and you irrevocably consent to the exclusive jurisdiction and venue of such courts.
