PROtique is owned and operated by KRS.
KRS does not in any way imply that the materials on this site or the products we discuss are available or for use outside of Canada or in jurisdictions in which we are not licensed to do business, or that we are soliciting business in any such jurisdiction. By completing an on-line application, you are confirming that you are not a resident in any such jurisdiction.
Use of this site shall be governed by and construed in accordance with the laws of the Province of Ontario, Canada without giving effect to any principles of conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in Toronto, Ontario.
Information provided by KRS and other sources on this Website is believed to be accurate and reliable when placed on this site, but we cannot guarantee it is accurate or complete or current at all times. The information on this Web site is for information purposes Website not intended to provide specific insurance, legal, accounting, financial or tax advice, and should not be relied upon in that regard. Contact us directly for specific insurance advice.
8. THIRD PARTY SITES
This website contains links to other websites (“Third Party Sites”) that are independent of and not maintained by KRS. KRS makes no representation of Third Party Sites that are linked from this site, and shall not in any manner be construed as any affiliation with or endorsement of such site or entity or its respective products, services or contributions to this site. KRS does not endorse or accept responsibility for the content or use of Third Party Sites. KRS believes that making a hyperlink available to publicly accessible websites is legally permissible and consistent with common, customary expectations of those who make use of the internet.
9. COPYRIGHT & TRADEMARKS
Unless we have clearly stated otherwise, all intellectual property rights are the property of KRS. These include (but are not limited to) copyright in the graphic images, buttons, layout, and text contained in our website.
Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on the site for commercial or public purposes without our prior written consent. Permission is hereby granted to use, copy and distribute these materials as presented in this Web site and without alteration for non-commercial purposes only; provided that all copyright and other proprietary notices appear in all copies in the same manner as the original. All other uses are prohibited.
The display of trademarks on pages at this Website does not imply that any license has been granted to any third party. Users are prohibited from using any Marks without the written permission of KRS or such third entities which may own the Marks. Other product and company names reproduced on our website may be the trade marks (registered or otherwise) of their respective owners.
KRS does not knowingly permit anyone to post on this Web site materials that infringe on the intellectual property rights of third parties.
PROtique is a registered trademark of KRS and is used under license. The following are trademarks of other companies:
Adobe, the Adobe logo, Acrobat, the Acrobat logo and Adobe Acrobat Reader are trademarks of Adobe Systems Incorporated.
Apple®, Mac®, QuickTime® and Macintosh® are trademarks of Apple Computer, Inc., registered in the U.S. and other countries.
GeoTrust® – Trademark of GeoTrust, Inc.
MasterCard® – Trademark of MasterCard International Inc.
Microsoft, Windows, Windows NT, MSN, The Microsoft Network and/or other Microsoft products are either trademarks or registered trademarks of Microsoft.
Moneris® – Trademark of Moneris Solutions Corporation.
PayPal™ – Trademark of PayPal, Inc.
VISA® – Trademark of Visa International Service Association.
10. UNDERWRITING COMPANIES
KRS is an insurance brokerage. The PROtique Masterplan policy is underwritten by Intact Insurance Company. Other policy types and coverage extensions that may be available to users may be underwritten by other insurance companies. KRS does not underwrite any of the insurance policies provided.
All insurance premiums are in Canadian dollars (CAD).
Cookies are tiny data files that are sent to your web browser, enabling us and our third-party service providers to identify you when you visit our website. If you disable cookies in your browser settings, you may encounter difficulties accessing specific sections of the website or experiencing proper functionality.
We utilize cookies to integrate the following third-party services into this website:
Internet Based Advertising
Our website and other sites provided by KRS Insurance Brokers Inc. utilize various technologies such as cookies, web beacons, pixel tags, and others. These technologies enable us to display relevant advertisements for our products and services on different internet websites.
When you visit our website, cookies may be placed on your device. These cookies inform our advertising agencies and networks that you have visited our site. As you browse other websites within the advertising network, these cookies assist our advertising agencies in using Interest-Based Advertising techniques to predict which ads are likely to interest you based on your browsing patterns.
Google Inc. provides Google Analytics, a service for analyzing website activity. Google Analytics employs a first-party cookie to anonymously track website traffic details such as the users’ device and browser, the location they access the site from, their frequency of visits, the sequence in which they navigate web pages, and the referring websites or web pages that directed them to the site.
Our use of Google Analytics on our website encompasses Demographics and Interest Reporting and Display Network Impression Reporting, referred to as “Advertising Features.” By participating in these Advertising Features, Google Analytics employs a third-party cookie to transmit specific website traffic data to Google.
We utilize the gathered website traffic data to gain insights into the visitors of the site and their usage patterns, enabling us to make informed decisions regarding site enhancements, evaluate the effectiveness of our advertising campaigns, and personalize the experience of site visitors based on their profile, interests, and activities.
If you wish to opt-out of Google Analytics, you can install the Google Analytics opt-out browser add-on.
13. REFUND POLICY
If you have paid for an insurance policy and decide to cancel the policy before the policy’s effective date, you will be refunded the entire policy premium plus any taxes provided the insurance company’s own refund policy permits a full refund. Any Agency, Brokerage and Company fees are non-refundable once payment has been made and the policy has been ordered.
If you cancel an existing insurance policy prior to its expiry date, the amount of the refund will be governed by the insurance company’s cancellation policy. In general, policies cancelled prior to the expiry date are cancelled “short rate”, which mean you are charged for the number of days the policy has been in force plus an “administrative” penalty for cancelling the contract of insurance before it expires. The amount of the penalty decreases the closer the cancellation date is to the expiry date of the policy.
Some insurance policy may have a minimum retained premium, which is the portion of the premium that is not refundable regardless of when the policy is cancelled. If you would like to know the minimum retained premium on your policy, please contact us.
All Agency, Brokerage and Company policy fees are non-refundable.
Refunds will generally be issued within 30 days of the cancellation being processed by the insurance company.
14. DISCLAIMER OF WARRANTY
The content and materials in this site are provided “as is” and without representations or warranties of any kind, either express or implied. KRS expressly disclaims all warranties, express or implied, with respect to this site including, but not limited to, implied warranties of merchantability, fitness for a particular purpose and non-infringement. KRS does not warrant or represent that the functions or operation of this site will be uninterrupted or error-free, that defects will be corrected, or that this site, its servers or any e-mail sent from KRS are free of viruses or other harmful components.
15. LIMITATION OF LIABILITY
KRS completely disclaims all liability (whether based in contract, tort, strict liability or otherwise) for the use of the information contained on this site by any user, including any losses, damages, lawsuits, claims or expenses anyone may incur as a result of using this information. Further, and without limiting the generality of the foregoing, in no event shall KRS be liable for any direct, indirect, incidental, consequential or special damages arising out of the use of the information herein, or in any way connected with access, use of, or inability to use, this site, even if KRS has been advised of the possibility of such damages.