Terms of Use

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Your acceptance of these Terms of Use
Please read these terms of use carefully before using this website as they represent a binding agreement between each user of our website (“you”, “your’) and Teachers Life Insurance Society (Fraternal) (referred to as “Teachers Life”, “we”, “us”, or “our”). If you wish to access and use the website, you must accept and agree to be bound by and comply with these terms of use. If you do not agree to these terms of use, then you must not access or use our website. You agree that these terms of use, and any related information, communications and agreements between you and us, may be made available or occur electronically. These terms of use were last updated on the “Updated” date indicated above. We reserve the right, at our sole discretion, to modify these terms of use at any time. Such modifications shall become effective immediately upon the posting thereof. You must review these terms of use on a regular basis to keep yourself apprised of any changes. You can find the most recent version of these terms of use at: https://teacherslife.com/terms-of-use/
Your Use of Our Website
Our website may only be accessed and used only by individuals located in Canada who have reached the age of majority in their jurisdiction of residence, can form legally binding contracts under applicable law, and have accepted these terms of use. Our website is not intended for persons resident or located in any jurisdiction outside Canada. Persons using our website must comply with all applicable laws. Teachers Life grants you (as a permitted user) a limited, revocable, non-exclusive license to access our website for your own personal use and in compliance with applicable law. Use of our website beyond the scope of authorized access granted to you by these terms of use immediately terminates that license. Access and use of our website may be subject to limitations, delays and other problems inherent in the use of the Internet and electronic communications. Teachers Life is not responsible for any delays, delivery failures, or other damage resulting from such problems. All rights not expressly granted by these terms of use are reserved to us, or, if applicable, our licensors.
Our Website Content
Certain aspects of our website have been prepared by person’s independent from Teachers Life. Our website does not, and it is not intended to, provide any health, financial, insurance, legal, accounting, or tax advice, and shall not be relied upon by you in that regard. You agree that your use of our website shall be entirely at your risk and that Teachers Life will not be responsible for any reliance that you may place upon our website or its contents. Our website shall not be used, or relied upon by you, as a substitute for your own research, or medical or other professional advice. Neither Teachers Life, or any of its affiliated companies, any officer, director, employee, or any other person associated with the creation of our website or its contents, shall be liable or responsible to any person for any harm, loss or damage that may arise in connection with your use of our website, including without limitation any direct, indirect, special, third party, or consequential damages. Teachers Life products are available only in jurisdictions where they may be legally offered for sale. All Teachers Life products are subject to the terms and conditions of any applicable laws. You agree that your use of our website shall be entirely at your risk. Neither Teachers Life, or any of its affiliated companies, any officer, director, employee, or any other person associated with the creation of our website or its contents, shall be liable or responsible to any person for any harm, loss or damage that may arise in connection with your use of our website, including without limitation any direct, indirect, special, third party, or consequential damages. Teachers Life will not be responsible for any reliance that you may place upon our website or its contents (but excluding any information specifically made available to you through by Teachers Life in your secure member account, should you have one). Our website shall not be used, or relied upon by you, as a substitute for your own research or professional advice that is provided to you by a Teachers Life representative.
Your Privacy
We respect your right to privacy. All information that we may collect via the website is subject to our privacy statement, which is incorporated by reference into these terms of use and is accessible via a link at the bottom of the website.
Your Conduct
To the extent that our website permits you to post, email, or otherwise make available content, you agree not to post, email or otherwise make available content that: (a) is unlawful; (b) includes personal or identifying information about another person without that person’s explicit consent; (c) impersonates any person or entity, including, but not limited to, a Teachers Life employee, or falsely states or otherwise misrepresents an affiliation with a person or entity; (d) infringes any patent, trademark, trade secret, copyright or other proprietary rights of any person, or content that you do not have a right to make available under any law or under contractual or fiduciary relationships; (e) is harmful, threatening, abusive, harassing, defamatory, pornographic; (f) harasses, degrades, intimidates or is hateful toward an individual or group of individuals on the basis of religion, gender, sexual orientation, race, ethnicity, age, or disability; (g) constitutes or contains any form of advertising or solicitation, or that includes links to commercial services or websites; (h) contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; (i) disrupts the normal use of our website with an excessive amount of content, or that otherwise negatively affects other users’ ability to use our website; or (j) employs misleading email addresses, or forged headers or otherwise manipulated identifiers in order to disguise the origin of content transmitted through our website. Teachers Life relies on the information you provide to us. All information that you provide through our website, including in the application forms, must be true, accurate, current and complete. You will be solely responsible and liable for any and all loss, damage, and additional costs that you, Teachers Life or any other person may incur as a result of your submission of any false, incorrect or incomplete information. Applications that you submit to Teachers Life by means of our website are not effective unless and until they are processed by the responsible Teachers Life representative, and a separate confirmation is provided to you (in writing or by email). Teachers Life may refuse to process any applications sent to Teachers Life by means of our website, or may reverse the processing of any applications sent to Teachers Life by means of our website, at any time in Teachers Life’s discretion, and without any notice or liability to you or any other person, including without limitation if: (i) Teachers Life cannot process the applications (including if required by Teachers Life’s account opening standards or due to underwriting risk); (ii) the applications violate any provision of these terms of use or any other agreement that you or any other person may have with Teachers Life; (iii) Teachers Life considers that the applications may conflict with any other instructions from or agreements with you or any person you represent; or (iv) there is an operational failure or malfunction in connection with the transmission of the applications.
Member Account or Purchases
Certain products or services provided through our website may only be available to you upon registration for your account. By registering (or by initiating a process to purchase goods and services), you represent and warrant to Teachers Life that: (a) all information provided by you to Teachers Life during the registration process is truthful, accurate and complete; and (b) you will comply with these terms of use. As a registered user, you agree to maintain and promptly update your registration data as necessary to keep it true, accurate, current and complete. We and our service providers will rely on the information you provide. You will be responsible for any and all loss, damage, or additional costs that we and/or our service providers or others may incur as a result of your submission of any false, incorrect or incomplete information or your failure to update your registration or other information that you submit via our website. You acknowledge that you are solely responsible for maintaining the confidentiality of your account password and any identifier code associated with your account, and that you (and not us) will be responsible for any loss resulting from any unauthorized use of your account or access to your content. You agree to immediately notify us of any unauthorized use of your account. Similarly, you are responsible for verifying and maintaining the protection, security, and distribution of your account information, including account numbers, user names, and passwords.
Proprietary Rights
Content displayed on or through our website is protected by copyright as a collective work and/or compilation, pursuant to copyrights laws, and international conventions. Any reproduction, modification, creation of derivative works from or redistribution of our website or the collective work, and/or copying or reproducing our website or any portion thereof to any other server or location for further reproduction or redistribution is prohibited without the express written consent of Teachers Life. You further agree not to reproduce, duplicate or copy content from our website without the express written consent of Teachers Life, and agree to abide by any and all copyright notices displayed on our website. You may not decompile or disassemble, reverse engineer or otherwise attempt to discover any source code contained in our website. Without limiting the foregoing, you agree not to reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any aspect of our website. Although Teachers Life does not claim ownership of content that its users post, by posting content to any area of our website that is accessible to all users, you automatically grant, and you represent and warrant that you have the right to grant, to Teachers Life an irrevocable, perpetual, non-exclusive, fully paid, worldwide license to use, copy, perform, display, and distribute said Content as part of our website.
Disclaimer of Warranties and Liability
All implied warranties and conditions, including, without limitation, the warranties and conditions of merchantability, fitness for a particular purpose, and non-infringement of proprietary rights are expressly disclaimed.
Indemnity
You agree to indemnify and hold Teachers Life, its officers, subsidiaries, affiliates, successors, assigns, directors, officers, agents, service providers, suppliers and employees, harmless from any claim or demand, including reasonable legal fees and court costs, made by any third party due to or arising out of content you submit, post or make available through our website, your use of our website, your violation of these terms of use, your breach of any of the representations and warranties herein, or your violation of any rights of another person.
General Matters
These terms of use constitute the entire agreement between you and Teachers Life regarding your use of our website, superseding any prior agreements between you and Teachers Life. These terms of use and the relationship between you and Teachers Life shall be governed by the laws of the Province of Ontario (and the federal laws of Canada applicable therein) without regard to its conflict of law provisions. You and Teachers Life agree to submit to the non-exclusive jurisdiction of the courts located in Toronto, Ontario. The failure of Teachers Life to exercise or enforce any right or provision of these terms of use shall not constitute a waiver of such right or provision. If any provision of these terms of use is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavour to give effect to the parties’ intentions as reflected in the provision, and the other provisions of these terms of use remain in full force and effect.
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