Terms and Conditions

St Andrews Insurance Broker Ltd., its affiliates and related companies take no responsibility for the accuracy or validity of any claims or statements contained in the information, the accuracy of the quotes as provided by a third-party or related graphics of this site. Further, St Andrews Insurance Brokers. makes no representations whatsoever about the suitability of any of the information contained in the information or graphics on this site for any purpose. All such information and related graphics are provided without warranty of any kind. St Andrews Insurance Brokers makes no representations whatsoever about any other web site which you may access through this site.

When you access a non- St Andrews Insurance Brokers, web site, you understand and acknowledge that it is independent from St Andrews Insurance Brokers, and that St Andrews Insurance Brokers, has no control over the content on any such web site. In addition, a link to a non- St Andrews Insurance Brokers website does not mean that St Andrews Insurance Brokers endorses or accepts any responsibility for the content, or the use, of such Web site. It is your responsibility to take precautions to ensure that whatever you select for your use by you is free of such items such as viruses, worms, trojan horses and other items of a destructive nature.

IN NO EVENT WILL ST ANDREWS INSUARNCE BROKERS BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THE INFORMATION AVAILABLE OR REFERRED TO ON THIS SITE.

 FURTHER, COVERAGE LIMITS, DEDUCTIBLES, AND CERTAIN EXCLUSIONS ARE LIMITED TO THE TERMS AND CONDITIONS CONTAINED IN YOUR POLICY. PLEASE READ YOUR POLICY FOR DETAILS.

THIS WEBSITE IS FOR INFORMATION PURPOSES ONLY.

Changes to this Statement

St Andrews Insurance Brokers reserves the right to modify the terms and conditions at any time without any notice to you. Such modifications are effective immediately upon posting. You agree to be bound by such modifications through your continued use of this Web Site. We recommend you revisit these terms and conditions page periodically and your continued use of this Web Site will be deemed your conclusive acceptance of any modification.

Use of Cookies

The St. Andrews Insurance Web site use “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize St. Andrews Insurance pages, or register with St. Andrews Insurance site or services, a cookie helps St. Andrews Insurance to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same St. Andrews Insurance Web site, the information you previously provided can be retrieved, so you can easily use the St. Andrews Insurance features that you customized.

You can accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the St. Andrews Insurance services or Web sites you visit.

Copyright and Trademarks

The Web Site is protected by the Copyright Act, by the copyright laws of other countries and International Agreements on such matters, and its Content cannot be altered without infringing on St Andrews insurance Brokers.

The Content displayed on this Web Site is and will always remain the property of St Andrews Insurance Brokers and/or the author, unless stipulated otherwise herein. The Content cannot, under any circumstances, be sold, reproduced, copied, modified, altered, published, distributed, uploaded, broadcast or retransmitted in whole or in part, as the case may be, without prior written consent from St Andrews Insurance Brokers and/or the author(s). Any unauthorized act including retransmission or other copying or downloading, or modification of the Content may be a violation of any federal or other law applicable to copyrights and may give rise to legal action.

Further, certain names, words, titles, phrases, logos, icons, graphics or designs or other Content on this Web Site are tradenames or trademarks of St Andrews Insurance Broker, its parent or affiliates, registered and/or used in Canada or in other countries, as the case may be, and represent only part of the intellectual property of St Andrews insurance Brokers, its parent or affiliates.