Terms Of Use.

Ownership Of This Site

The text, design, structure and original analysis on this site are the property of Kempron Inc. The Kempron name and logo are the property of Kempron Inc. You may read, link to, quote with attribution, and print these pages. You may not present this material as your own, or reproduce it in bulk as a substitute for it.

Third-Party Figures Remain Their Publishers' Property

This site reproduces a substantial number of figures published by other organisations: insurer trade bodies, regulators, ombudsman schemes, national statistics offices and industry data providers. Each is attributed to its source at the point of use, with the publisher named and the date given.

Those figures remain the property of the organisations that published them. Their appearance here does not imply any relationship with, endorsement by, or verification by those organisations, and none should be inferred. Figures are reproduced as published and were accurate as at the publication dates stated. Anyone relying on a figure for a decision should consult the original source. Every source used is listed here.

Accuracy, And The Limits Of A Summary

This site describes laws, regulators and supervisory instruments across a number of jurisdictions. Those descriptions are summaries written for orientation. They are not a substitute for the instruments themselves, they are not complete, and law changes. An instrument correct on the day it was written may have been amended or repealed since.

We take accuracy seriously and correct errors when they are pointed out, but we give no warranty that this material is complete, current or free from error. If something here is wrong, write to info@kempron.io.

No Advice Is Given

Nothing on this site is legal, regulatory, financial, actuarial or professional advice, and nothing here creates a professional relationship of any kind. Kempron Inc. is a technology company. It is not an insurer, broker, adjuster, loss assessor or repairer, holds no insurance licence, does not offer insurance and does not solicit consumer business.

If you have a live insurance claim, your insurer and, where applicable, your jurisdiction's ombudsman scheme are the parties who can help you. We cannot.

Links To Other Sites

Where this site refers to an external organisation, that organisation's own material is governed by its own terms. We are not responsible for content we do not publish.

Governing Law

These terms and any dispute arising from the use of this site are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in it, and the courts of Ontario have jurisdiction.