Legal Notices And Disclaimers Of Liability

Ownership and Copyrights

This web site ("Website") and mobile application (“Mobile App”) are operated by or on behalf of Wawanesa Life . All content on this Website and Mobile App are the copyrighted property of Wawanesa Life and/or its various third party providers and distributors.

Except to the extent that you have been granted express prior permission from Wawanesa Life, none of the content or data found on the Website or Mobile App may be reproduced, republished, distributed, sold, transferred, modified, posted, transmitted or distributed. You may download, display and print the materials presented on the Website or Mobile App for your personal use.


Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of the Website or Mobile App may constitute trade names, registered or unregistered trade-marks or service marks ("Trade-marks") of Wawanesa Life and used under license by Wawanesa Life. However, the display of Trade-marks on pages at the Website or Mobile App does not imply that any license has been granted to any third party.

Any unauthorized downloading, re-transmission, or other copying or modification of Trade-marks or other contents of the Website or Mobile App may be a violation of statutory or common law rights which could subject the violator to legal action.

Use of the Website or Mobile App

You represent, warrant and covenant that your use of the Website or Mobile App shall not:

        1. Violate any applicable local, provincial, state, national or international law, statute, ordinance, rule or regulation;

        2. Interfere with or disrupt computer networks connected to the Website;

        3. Impersonate any other person or entity, or make any misrepresentation as to your employment by or affiliation with any other person or entity;

        4. Forge headers or in any manner manipulate identifiers in order to disguise the origin of any user information;

        5. Upload, post, transmit, publish, or distribute any material or information for which you do not have all necessary rights and licenses;

        6. Upload, post, transmit, publish or distribute any material which infringes, violates, breaches or otherwise contravenes the rights of any third party, including any copyright, trademark, patent, rights of privacy or publicity or any other proprietary right;

        7. Interfere with or disrupt the use of the Website or Mobile App by any other user, nor "stalk", threaten, or in any manner harass another user;

        8. Upload, post, transmit, publish, or distribute any material or information which contains a computer virus, or other code, files or programs intending in any manner to disrupt or interfere with the functioning of the Website, or that of other computer systems;

        9. Use the Website or Mobile App in such a manner as to gain unauthorized entry or access to the computer systems of others;

        10. Upload, post, transmit, publish or distribute any material or information which constitutes or encourages conduct that would constitute a criminal offence, give rise to other liability, or otherwise violate applicable law;

        11. Upload, post, transmit, publish, or distribute any material or information that is unlawful, or which may potentially be perceived as being harmful, threatening, abusive, harassing, defamatory, libellous, vulgar, obscene, or racially, ethnically, or otherwise objectionable;

        12. Reproduce, copy, modify, sell, store, distribute or otherwise exploit for any commercial purposes the Website, or any component thereof (including, but not limited to any materials or information accessible through the Website);

        13. Use any device, software or routine to interfere or attempt to interfere with the proper working of the Website; or

        14. Take any action that imposes an unreasonable or disproportionately large load on the Website infrastructure.

Secure Areas

Some of the areas of the Website or Mobile App ("Secure Areas") require passwords or other forms of access control in order for a user to gain access and use the Website's functionality. If you are permitted to access and use one of the Secure Areas of the Website, it is your responsibility to keep your password or other access control methodology private so that it cannot be used by others. Wawanesa Life will not be liable for any damages, losses or expenses suffered by you or any third party as a result of any unauthorized person gaining access to any of the Secure Areas through use of your password or other access methodology, and you agree that you will indemnify Wawanesa Life for any damages, losses or expenses that it may suffer, including any claims made against Wawanesa Life by third parties, as a result of such access or use by an unauthorized person.

Limitation of Liability

In no event will Wawanesa Life be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential or punitive damages, losses or expenses, whether or not Wawanesa Life, or representatives thereof, are advised of the possibility of such damages, losses or expenses, arising in connection with:

        1. Your use of, or inability to use, this Website.

        2. Use of this Website, or inability to use, by any other party.

        3. Any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, loss of data or otherwise.

        4. The communication by you of any confidential or sensitive information, or our communication to you of such information, over the Internet.

Information and Availability

Information on the public areas of this Website and Mobile App are for informational purposes only and is not intended to provide financial, legal, accounting or tax advice and should not be relied upon in that regard.

Information provided by Wawanesa Life on its Website and Mobile App are believed to be accurate and reliable, but we cannot guarantee that such information is accurate or complete or current at all times. While we endeavour to keep the information current, such information is subject to change at any time without notice. Wawanesa Life makes reasonable commercial efforts to make the Website and Mobile App available, however, it is not responsible for any service interruptions. Wawanesa Life will not be liable for any loss resulting from a cause over which it does not have direct control, including, but not limited to, failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes or other labour problems, wars, or governmental restrictions.

Links to other websites

Wawanesa Life makes no representations whatsoever about any other web site which you may access through this Website. When you access a non-Wawanesa Life web site, it is independent from Wawanesa Life, and Wawanesa Life has no control over the content on that web site. In addition, a link to a non-Wawanesa Life web site does not mean that Wawanesa Life endorses or accepts any responsibility for the content, or use, of such web site. It is your responsibility to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, trojan horses and other items of a destructive nature.

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

Governing Jurisdiction

This Website and your use of it will be governed by and construed in accordance with the laws of the Province of Manitoba and the federal laws of Canada applicable therein, without regard to the principles of conflicts of law.