Legal Terms of Use

These legal terms of use (the "Terms") apply to your use of the www.rbcinsurance.com Web site (the "Site"). If you access and use the Site, you accept and agree to be bound by and comply with the Terms. If you do not accept the Terms, do not use the Site.

GENERAL

RBC Insurance means RBC Insurance Holdings Inc. and its affiliates, which include: RBC Life Insurance Company, RBC Insurance Company of Canada, Assured Assistance Inc., RBC Insurance Services Inc., RBC General Insurance Company and Royal Bank of Canada Insurance Company Ltd. This Site includes links to Web sites operated by Royal Bank of Canada and its subsidiaries and affiliates. The services offered through these Web sites are offered by Royal Bank of Canada or its subsidiaries and affiliates, as specifically disclosed on the relevant Web site.

All products and services of RBC Insurance are subject to the terms and conditions of the applicable agreements governing their use. All insurance products are subject to the limitations and conditions in the applicable policy or certificate of insurance and applicable legislation.

The Terms are to be read by you together with any terms, conditions or disclaimers provided in the pages of the Site. In the event of any conflict, the terms provided in the pages of the Site will govern.

The information, material and content provided in the pages of the Site (the "Information") may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting. You agree to review the Terms regularly and your continued access or use of the Site will mean that you agree to any changes.

LOCAL LAWS; EXPORT CONTROL
It is important to note that not all of the products, services and Information are available in all provinces or in jurisdictions outside Canada. The Information does not constitute an offer or solicitation to buy or sell any product, service or information to anyone in any jurisdiction in which an offer or solicitation is not authorized or cannot legally be made or to any person to whom it is unlawful to make an offer or solicitation. For information specific to any specific provincial jurisdiction, please contact your financial or insurance advisor.

The terms and conditions applicable to any product, service or information will be those determined at the time of provision of the product, service or information. Please be aware of the laws of your country or that otherwise apply to you in relation to any of the matters described in these pages. If you choose to access the Site from outside of Canada, you do so on your own initiative and are responsible for compliance with applicable local, national or international laws. You may not use or export or re-export the Information or any copy or adaptation in violation of any applicable laws or regulations, including export laws and regulations of Canada in force from time to time.

NOT OFFERING ANY ADVICE
The Information is for informational purposes only and is not intended to provide specific financial, investment, tax, legal or accounting advice for you, and should not be relied upon in that regard. You should not act or rely on the Information without seeking the advice of a professional.

NO WARRANTIES
RBC Insurance and its affiliates, subsidiaries, officers, directors, employees or agents ("RBC Insurance") provide the Site and the Information on an "as is, where is" basis and do not make any express or implied warranties, representations, endorsements or conditions with respect to the Site or the Information, including without limitation, warranties as to merchantability, operation, non-infringement, usefulness, completeness, accuracy, currency, reliability and fitness for a particular purpose. Further, RBC Insurance does not represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and backup of data and/or equipment and to take reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

TRADE-MARKS AND COPYRIGHTS
Certain names, words, titles, phrases, logos, icons, graphics or designs or other content in the pages of the Site are trade names or trademarks owned by Royal Bank of Canada or its subsidiaries, or affiliates or trade names or trademarks licensed to them. Subsidiaries and affiliates of Royal Bank of Canada are licensed to use the trademarks owned by Royal Bank of Canada. The trademarks are distinguished from one another and accompanied, at first-time use, with the appropriate trademark symbol: ®/T/*. Whenever the trademark symbol ® is used, it refers to registered trademarks of Royal Bank of Canada used under license. Whenever the trademark symbol ™ is used, it refers to trademarks of Royal Bank of Canada used under license. Whenever the trademark symbol * is used, it refers to trademarks which are the property of their respective owner. The display of trademarks and trade names on pages at the Site does not imply that a license of any kind has been granted to anyone else. The Information is for your personal use only. You may download or copy the contents of the Site or other downloaded items for personal use only. Any unauthorized downloading, re-transmission, or other copying or modification of trademarks and/or the contents of the Site may be a violation of any federal or other law that may apply to trademarks and/or copyrights and could subject the copier to legal action. The Information is protected under the copyright laws of Canada and other countries. Unless otherwise specified, no one has permission to copy, redistribute, reproduce, republish, store in any medium, re-transmit, modify or make public or commercial use of, in any form, the Information.

INTERNET E-MAIL
Any unprotected E-Mail communication over the Internet is, as with communication via any other medium (e.g. cellular phones, post office mail), not confidential, subject to possible interception or loss, and is also subject to possible alteration. RBC Insurance is not responsible for and will not be liable to you or any one else for any damages in connection with an E-Mail sent by you to RBC Insurance or an E-Mail sent by RBC Insurance to you at your request.

NO ENDORSEMENTS
No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any Information.

NO LIABILITY
RBC Insurance is not responsible for and will not be liable to you or anyone else for any damages whatsoever (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with your use of or inability to use the Site or the Information, or any action or decision made by you in reliance on the Site or the Information, or any unauthorized use or reproduction of the Site or the Information, even if RBC Insurance has been advised of the possibility of these damages.

LINKS/SOFTWARE
Links from or to web sites outside the Site are meant for convenience only. RBC Insurance does not review, endorse, approve or control, and is not responsible for any sites linked from or to the Site, the content of those sites, the third parties named therein, or their products and services. Linking to any other site is at your sole risk and RBC Insurance will not be responsible or liable for any damages in connection with linking. Links to downloadable software sites are for convenience only and RBC Insurance is not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.

JURISDICTION
The Site is administered by RBC Insurance from its offices in Canada. The Site will be governed by and construed in accordance with the laws of the Province of Ontario and the laws of Canada applicable therein, without giving effect to any principles of conflicts of laws. All disputes, controversies or claims arising out of or in connection with the Site shall be submitted to and be subject to the jurisdiction of the courts of the Province of Ontario. You submit and attorn to the exclusive jurisdiction of the courts of the Province of Ontario to finally adjudicate or determine any suit, action or proceeding arising out of or in connection with the Site.