Your access to and use of this website constitutes your agreement to comply with and be bound by the following terms and conditions. These terms and conditions, together with our Privacy Principles (incorporated herein by reference), constitute the entire agreement between you and Max Insurance with respect to your access and use of this website. If you do not agree to these terms and conditions, you should discontinue the use of this website immediately.
Please note that Max Insurance reserves the right to update or amend these terms and conditions at any time, in its sole discretion. It is your responsibility to check back for updates.
1. About Max Insurance and this Website
This website is owned and operated by Max Insurance, a Canadian property and casualty insurer that implements Scientific Pricing© to offer our customers fairer premiums for their home insurance, while improving the broker experience through a simple, automated underwriting process. Visitors to this website can start a claim with Max Insurance and access additional information about our company. To obtain a quote(s) for an insurance product with Max Insurance, please contact your insurance broker.
The content on this website is provided for informational purposes only and Max Insurance has no obligation to update the information presented. For more details and further enquiries, please reach out to us or contact your insurance broker.
Max Insurance places a high priority on your privacy and is committed to protecting your personal information. For more information regarding how Max Insurance handles your personal information, please review our Privacy Principles.
3. Website Ownership, Intellectual Property, and Reservation of Rights
This website is comprised of various texts, icons, images, source code, graphics and other design elements, videos and other multi-media, trademarks and brand names, APIs, and other software. The selection and arrangement of the contents of this website have been developed or provided by Max Insurance, or its affiliates or partners. Max Insurance owns or has obtained the necessary licences to the intellectual property rights, including copyrights, trademarks, or trade names, for all content on this website. As a result, this website is protected by copyright, trademark, patent, intellectual property, proprietary and other related laws. You hereby acknowledge that this website, its contents, and components are protected to the fullest extent permitted by the aforementioned laws. Your use of this website and/or any content or components hereon does not grant or transfer to you any ownership or other rights in this website, its contents, or components.
All trademarks contained on this website and not owned by Max Insurance are the property of their respective owner(s) and, where used by Max Insurance on this website, are owned by Max Insurance or are under licence or used by permission of such owner(s). All trademarks will remain the sole and exclusive property of their respective owner(s) and any use of such trademarks without the express written consent of the applicable owner, which includes Max Insurance (as applicable), is strictly prohibited. Furthermore, the use of any content displayed on this website is strictly prohibited, and may not be duplicated, reproduced, copied, modified, republished, sold, or distributed in any manner or form without the express prior written consent of Max Insurance.
Max Insurance reserves the right to take appropriate legal action, as determined in its sole discretion, to enforce its rights.
4. Max Insurance Products & Services
Insurance products as well as coverage descriptions, and other information, found on this website are not intended to be complete and accurate descriptions of the final terms, conditions, and exclusions of the insurance products and services offered by Max Insurance. For detailed information, refer to the specific terms of the applicable agreements between you and Max Insurance, usually found in your insurance policy purchased with Max Insurance.
Please note that some of the insurance products mentioned on this website may only be available in certain areas or jurisdictions. Any insurance products mentioned on this website are provided in accordance with applicable law and only where they may be lawfully offered for sale by Max Insurance.
For more details and further enquiries relating to the products and services offered by Max Insurance, please contact your insurance broker.
5. External Links
This website may contain links to other sites. Links to internet websites outside of this website are meant for convenience only and your access of such websites is at your own risk. The owners of such external websites manage their content and are not reviewed or approved by Max Insurance. These links should not be construed as an endorsement, a guarantee, or a recommendation of the products or services offered on such external websites. Max Insurance cannot guarantee that these links are functional or secure.
Max Insurance is not responsible for damages of any nature or in any way liable, to the fullest extent permitted by applicable law, for claims or losses resulting from the use or the content of any other external websites accessed by hyperlink from this website.
6. Linking to this Website
Except as expressly agreed to in writing by Max Insurance, any linking to this website from another website or source is strictly prohibited. Except with respect to legitimate, publicly available search engines, you agree that you will not use, or permit anyone else to use, any robot, scraper, or other automated devices or means to access or use this website for any purpose without the express prior written consent of Max Insurance.
7. Compliance with Applicable Law
This website is intended for visitors from Canada only. You agree that your access and use of this website shall not violate any applicable local, national, provincial, territorial, or international law or any applicable regulations having the force of law.
This website, including all contents or components found or accessed hereon, is provided on an “as is” basis and without warranties of any kind, either expressed or implied. To the fullest extent permitted by applicable law, Max Insurance disclaims any and all liability arising from the access or use of this website by any user. Without limiting the generality of the foregoing, to the fullest extent permitted by applicable law, in no event will Max Insurance be liable for any direct, indirect, incidental, consequential or special damages, losses, claims, or expenses arising out of the use of the information, content, or components on this website, or in any way connected with access to or use of this website.
Further to the above, Max Insurance does not represent or warrant that this website or any contents or components hereon will be available or will function without interruption, will be accessible on all devices or browsers, that it will be free of errors, or that your use of this website will not infringe the intellectual property or other related rights of any third party. In addition, Max Insurance does not represent or warrant that access or use (including browsing or downloading of any content) of this website will be free of viruses, trojan horses, worms, or similar harmful components.
At Max Insurance, we value our relationship with you as a customer, partner, or visitor to our website and recognize our responsibility to protect and keep private your personal information. We place a high priority on your personal privacy and remain committed to protecting it.
By using the Max Insurance website or by choosing to submit personal information through either an insurance broker or directly to Max Insurance, you provide your consent to Max Insurance’s collection, use and disclosure of your personal information in accordance with the following Privacy Principles.
Max Insurance reserves the right to modify these Privacy Principles at any time. Please ensure that you review these Privacy Principles periodically so that you understand how we may use your personal information that we may collect.
Our Privacy Principles have been developed to comply with the principles set out in relevant legislation and regulatory guidelines, including amongst other sources, the Personal Information Protection and Electronic Documents Act.
Principle 1 - Accountability
We are responsible for all personal information in our possession or control, whether supplied to us directly by you or by a third party. This does not include the name, title, business address, telephone number or any other information of an employee of an organization made available in public records.
If at any time you have questions or concerns about the handling of your personal information, then please reach out to our Privacy Officer.
Principle 2 - Identified Purposes
We may collect, use, and disclose personal information as is reasonably required to:
We also may collect, use or disclose your information to our affiliated companies, your agent and/or broker, operators of insurance industry databases, government agencies, other insurers, reinsurers, credit bureaus and/or any other person, corporation, firm or enterprise as reasonably required for the purposes stated above.
Information may be collected by entities, or transferred, outside of Canada for processing, storage, analysis or disaster recovery, and may be subject to disclosure to those authorized under applicable laws of the foreign jurisdiction.
If we use your information for any other purpose than listed above, we will explain the purpose and obtain your consent prior to such use.
Principle 3 - Consent
By applying for insurance, continuing your business relationship with Max Insurance, accessing this website, or by providing Max Insurance with personal information, you provide your consent for the ongoing collection, use and disclosure of your personal information as described in these Privacy Principles. In most cases, your consent may be withdrawn with reasonable notice; provided that the request will not interfere with Max Insurance's ability to offer and provide insurance products and services to you. If you choose to do so, we will explain the implications of withdrawing your consent.
Principle 4 - Limiting Collection
We will collect, use or disclose your personal information that is required to do business with you or as required by law.
Principle 5 - Limiting Use, Disclosure, and Retention
We will not use or disclose your personal information for purposes other than those for which it was collected and only in accordance with the terms of these Privacy Principles, except with your prior implied or expressed consent or as required by law.
Disclosure within Max Insurance
Max Insurance and/or its affiliate companies may internally share your personal information for the purposes mentioned in these Privacy Principles. Only employees & contractors of affiliated companies with legitimate business reasons will have access to your personal information.
Disclosure to Third Parties
We may share your personal information to third parties which may include:
Only third parties with legitimate business reasons will have access to your personal information.
Disclosure Outside of Canada
Max Insurance may use service providers located outside of Canada or related companies located outside of Canada to collect, use and store your personal information for the purposes mentioned in these Privacy Principles.
Disclosure To You
We may share information or data with you in the regular course of running our business. All information or data we share with you is solely for the purpose of helping you evaluate and potentially place your insurance policy with Max Insurance and should not be used or shared with any third parties other than for this purpose.
We will retain your personal information only for as long as necessary for the identified purposes in these Privacy Principles or as required by law.
If we enter talks about a commercial transaction with a third party, we may share personal information, subject to commercially reasonable privacy protections, that is deemed necessary in order to satisfy the business needs of such transactions.
Cookies - Google Analytics
We use Google Analytics to anonymously gather information about your use of Max Insurance’s website. Google Analytics utilizes a set of cookies to collect data about our website’s traffic and provides reports on our website’s usage, which may include information about the number of website visitors, where visitors are accessing this website from, time spent and pages visited on this website. We use this website traffic data to help us understand who visits this website and how this website is used. You may opt-out of Google Analytics by installing the Google Analytics browser opt-out add-on.
Our Privacy Principles do not apply to the privacy practices of any third party sites (including any third party cookies utilized on Max Insurance’s website).
Principle 6 - Accuracy
We will maintain your personal information in our possession and make reasonable efforts to ensure it is accurate, complete, and up to date based on the most recent information provided to Max Insurance. You are solely responsible for the accuracy of all personal information that you provide to Max Insurance and must promptly notify Max Insurance of updates to such information as it changes to ensure that such personal information remains accurate and complete.
Principle 7 - Safeguards
We will maintain reasonable physical, electronic and procedural safeguards to ensure your personal information is protected against loss, theft, unauthorized access, disclosure, copying, use or modification.
Principle 8 - Openness
At your request, where appropriate, we will make available information about our policies and procedures relating to the management of your personal information. You can contact our Privacy Officer with any requests to access to your personal information.
Principle 9 - Individual Access
Upon your request, where appropriate, we will inform you of the existence, use and disclosure of your personal information which is in our possession and control. You have the right to request changes if required to correct or amend your personal information in our possession and control in cases where accuracy and completeness is deficient. We will respond to your request within a reasonable time following receipt of your written request (which may be delivered by electronic mail).
Refusal of Request for Disclosure
We will make every effort to disclose your personal information to you upon request. If a request for disclosure is denied, we will provide an explanation.
Examples of reasons for non-disclosure include:
Principle 10 - Contact Max Insurance
For more information related to our Privacy Principles, or to raise a concern or make an enquiry, please contact:
Max Insurance’s Privacy Officer
50 Queen Street North, Suite 710
Kitchener, Ontario N2H 6P4
If we owe a credit to one of our policyholders, the credit will (1) be applied to any outstanding balance owed on your Billing Account Statement with Max Insurance, and thereafter, (2) any remaining credit amount will be refunded to you; provided that, if you elected to authorize monthly payments on the current pre-authorized payment form you entered into with Max Insurance, such credited amount may be applied to upcoming monthly payments incurred in accordance with your insurance policy purchased with Max Insurance.
Our Commitment to Accessibility
Max Insurance is committed to providing an accessible and barrier-free environment for all, including our customers, employees, job applicants, brokers, and others who access our services or premises. As a company, we deeply respect and uphold the requirements set forth under the Accessibility for Ontarians with Disabilities Act (“AODA”), and its associated regulations and guidelines.
Providing an accessible and barrier-free environment is a collective effort that requires a dynamic and ever-evolving approach. We are committed to working with and supporting all parties, both internal and external, in a manner consistent with the AODA’s four principles of dignity, independence, integration and equal opportunity.
Contact and Feedback
Max Insurance is always looking for ways to improve the accessibility of our services, website and content. To help us do this, Max Insurance welcomes your comments and suggestions. Feedback can be provided by filling out our Feedback Form or contacting us at the details provided below.
50 Queen Street North, Suite 710
Kitchener, Ontario N2H 6P4
If you would like to make a request to receive this website’s content or other documents in a more accessible format, or if you have questions about our Commitment to Accessibility, please contact us and we will do our absolute best to accommodate such requests at no additional cost.