CONTACT INFORMATION

Any questions, suggestions or concerns that you have regarding CDCS Health Claims Inc. or this Site should be sent to: webmaster@cdcs.ca.
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PRIVACY POLICY

CDCS Health Claims Inc. is sensitive to privacy issues on the Internet and we believe it is important for visitors to our Site to know how we treat information we receive. Accordingly, we have adopted this Privacy Policy for this Site to ensure responsible use of the information you share with CDCS Health Claims Inc.
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DEFINITIONS

"Personal Data" is personal and/or confidential information that relates to you and your account, policy, contract or affiliation with CDCS Health Claims Inc..

"Communications" are any non-confidential and non-proprietary communications information, except for Personal Data, that you transmit to the Site by electronic mail or otherwise, including data, questions, comments and/or suggestions.

"Personal Information" is any Communication where you knowingly enter your personal information such as your name, address, social security number, or telephone number.

"Non-Personal Information" is any Communication derived from your connection to the Site, such as your Internet browser, domain name and referrer link.

All Communications, except for Personal Data and Personal Information, will be treated as non-confidential and non-proprietary, will become the property of CDCS Health Claims Inc. and may be used for the purposes described herein.
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WHAT INFORMATION IS COLLECTED

In general, you can visit the Site while remaining anonymous by not providing any Personal Information. In some cases, Non-Personal Information may be automatically collected, such as your Internet Browser, computer operating system, domain name of your Internet service provider and/or the website from which you linked to our Site.

Personal Information about you (e.g., your name, address, telephone number, social security number, and/or email address) will not be collected unless you provide it to us voluntarily. For example, CDCS Health Claims Inc. retains e-mail addresses of visitors who respond the Site's e-mail forms, online forms, registration forms and surveys and contest entries. CDCS Health Claims Inc. also retains information about the frequency of Site visits, length of time of the visit and aggregate information on which Site page visitors access.

CDCS Health Claims Inc. may send Internet visitors "Cookies". A Cookie is a small data file sent by the Site to your browser, which may then be stored on your hard drive. CDCS Health Claims Inc.'s Cookie enables the Site to recognize you if you have a CDCS account or have utilized certain Site features. In addition, the Cookie may recall information so that you do not have to re-submit it, and also automatically updates Site information. If available, you may program your browser software to notify you of attempts to send cookies and/or you may decline or delete them.

When you perform a search with CDCS Health Claims Inc.'s search engine, CDCS Health Claims Inc. does not record information identifying you or linking you to the search performed. As necessary to provide service, CDCS Health Claims Inc. does record limited information for every search request and uses that information only to solve technical problems with the Site, to calculate overall usage statistics and to improve the structure and content of the Site.

CDCS Health Claims Inc. will primarily use Communications to respond to your request(s). CDCS Health Claims Inc. may use Personal Information for feedback purposes, marketing and promotional purposes and for a statistical analysis of users' behavior. Furthermore, CDCS Health Claims Inc. retains the right to use ideas, concepts, know-how or techniques contained in any Communications you send to the Site for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. Non-Personal Information may be aggregated for internal review and used to improve the Site's content and its structure. This information will be discarded.

CDCS Health Claims Inc. does not distribute Personal Data, Personal Information or Communications to unaffiliated third parties. CDCS Health Claims Inc. will not voluntarily share, rent, sell or otherwise disclose information obtained from visitors to the Site (whether Personal Data, Personal Information or Communications) to unaffiliated third parties.

When you choose not to provide Personal Information. When you choose not to provide a personally identifiable Communication, we may not be able to respond to your request. You may receive an error message displayed on your browser.

How to access, update & correct Personal Information. Use the contact listed in CDCS Health Claims Inc. Contact Information above.
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INFORMATION SHARED WITH CDCS Health Claims Inc.

CDCS Health Claims Inc. will take appropriate steps to protect all information you share with us. Whenever you provide the Site with Personal Data, CDCS Health Claims Inc. will take commercially reasonable steps to establish a secure connection with your web browser.

THE SITE CONTAINS SECURED AND NON SECURED SECTIONS. INHERENT IN THE USE OF THE INTERNET AND INTERNET-RELATED TECHNOLOGIES IS SOME RISK OF DISCLOSURE OF INFORMATION, INCLUDING WITHOUT LIMITATION, PERSONAL DATA YOU SUPPLY. YOUR USE OF THE SITE AND YOUR ENTRY OF INFORMATION IS AT YOUR OWN RISK. CDCS Health Claims Inc. CANNOT ACCEPT RESPONSIBILITY AND EXPRESSLY DISCLAIMS ALL LIABILITY FOR DAMAGE OR INJURY THAT YOU MAY INCUR OR THAT MAY RESULT FROM YOUR USE OF THE SITE OR THE INTERCEPTION OF INFORMATION YOU PROVIDE, INCLUDING WITHOUT LIMITATION, PERSONAL DATA, BY A THIRD PARTY.
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LIMITATION OF LIABILITY

The material on the Site is provided for informational purposes only. It does not, and is not intended to, provide any financial, insurance, legal, accounting, tax or other professional advice, and should not be relied upon by you in that regard. It is not a substitute for professional advice from a competent, independent advisor in your jurisdiction.

THE SITE AND ITS CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. CDCS Health Claims Inc. DOES NOT WARRANT THAT USE OF THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS, IF ANY, WILL BE CORRECTED, OR THAT EITHER THE SITE OR THE SERVER THAT MAKES IT AVAILABLE TO YOU IS FREE OF VIRUSES, DISABLING DEVICES OR OTHER HARMFUL COMPONENTS. CDCS Health Claims Inc. DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THE SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY OR OTHERWISE. YOU (AND NOT CDCS Health Claims Inc.) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION RELATED TO ANY DAMAGE, HARM, INJURY OR MALFUNCTION ASSOCIATED WITH YOUR USE OF THE SITE AND/OR ITS CONTENTS.

Under no circumstances, including but not limited to negligence by act or omission, shall CDCS Health Claims Inc. or any party involved in creating, producing or delivering the Site, be liable for any direct, incidental, consequential, indirect or punitive damages that result from the use of, or the inability to use the materials on the Site, even if CDCS Health Claims Inc. or a representative authorized by CDCS Health Claims Inc. has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event, however, shall CDCS Health Claims Inc.'s total liability to you for all damages, losses and causes of action exceed the amount paid by you, if any, for accessing the Site.
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LINKS TO THIRD PARTY WEBSITES

If you use any links provided in the Site to websites not owned, maintained nor hosted by CDCS Health Claims Inc. ("Off-sites"), you will leave the Site. CDCS Health Claims Inc. is not responsible for any Off-site's privacy policies or terms of use. No judgment or warranty is made with respect to the accuracy, timeliness or suitability of the content of any Off-sites, and CDCS Health Claims Inc. takes no responsibility for such sites. A link to a service or website outside of the Site is not an endorsement of the service or the website, its content or its sponsoring organization.
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USE OF THIS SITE

The Site is owned and operated by CDCS Health Claims Inc.. No materials found on the Site or any other site owned, operated or licensed by CDCS Health Claims Inc. may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way without the prior written permission of CDCS Health Claims Inc. You may access material on the Site for non-commercial, personal use only, provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost or use the content of the Site for public or commercial purposes, including the text, images, audio or video without CDCS Health Claims Inc.'s prior written permission. CDCS Health Claims Inc. neither warrants nor represents that your use of materials displayed on the Site will not infringe rights of third parties not owned by or affiliated with CDCS Health Claims Inc..
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JURISDICTIONAL ISSUES

The information contained on the Site is not an offer to sell or a solicitation to buy any security or any insurance product. No security or other insurance product is offered or will be sold in any jurisdiction in which such offer or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products may not be available in all provinces.

All insurance and/or securities transactions are conducted based on signed written agreements between CDCS Health Claims Inc. and its customers, and the terms of those agreements are binding on the parties. No other representation, whether made in person, online, electronically, in written, graphical, or verbal communication, may alter the terms of those agreements except that your use of the Site constitutes your agreement to the additional Terms of Use applicable to such use. By using the Site, you accept at your own risk that the Internet and online communications medium may not perform as intended.

Your use of this Site, and its Privacy Policy, Terms of Use & Legal Information shall be construed and controlled by the laws of the Province of Ontario. Further, any dispute arising from your use of this Site, or its Privacy Policy, Terms of Use & Legal Information, or a breach thereof, shall be governed by the laws of the Province of Ontario. By accessing this Site, you agree to personal jurisdiction by the Provincal and federal courts sitting in the Province of Ontario.
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TRADEMARKS, SERVICE MARKS AND COPYRIGHTS

Unless otherwise specifically noted, images, trademarks, service marks, logos and icons displayed on the Site and the Site's contents are the property of CDCS Health Claims Inc. and may not be used without CDCS Health Claims Inc.'s prior written consent. Any unauthorized use of the images may violate copyright laws, trademark laws, privacy and publicity laws and communications regulations and statutes.
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