Terms and Conditions
The Canadian Life Insurance Standards Association (CLIEDIS)
Please read the following carefully.
1. Your Registration Obligations
In connection with your use of certain Services on the Site, you may be asked to provide certain registration details, such as your CLIEDIS membership details, or other information. In order to do so, you may be provided, or required to choose, a password, username, and/or other registration information, including, but not limited to, personal information (collectively, “Registration Information”). You agree and represent that all Registration Information provided by you is accurate and up-to-date. If any of your Registration Information changes, you must update it by sending the corrected Registration Information to us at: firstname.lastname@example.org or by using the appropriate update mechanism on our Site, if available. If CLIEDIS believes that the Registration Information that you provide is not correct, current, or complete, CLIEDIS reserves the right to refuse you access to its Services. However, CLIEDIS has no obligation to verify the accuracy, currency completeness or usefulness of any Registration Information that you have provided to us.
You understand that certain portions of the Site are only accessible to CLIEDIS members. When your company applies to be a CLIEDIS member, you can register on the Site to use the member-only portions of the Site. If your company is not a CLIEDIS member, you may access the portions of the Site that are publicly available and/or your company may apply for membership with CLIEDIS upon completion of the CLIEDIS Application Form and payment of annual membership dues.
Whether or not you are a member of CLIEDIS, you must be at least eighteen (18) years old to use our Services. Your use of the Services is a representation to CLIEDIS that you are at least eighteen (18) years of age. You agree to cooperate with CLIEDIS’ reasonable measures to verify your identity and authority in connection with your use of the Services.
If you are accessing our Services on behalf of a body corporate (which includes a company or other organization with legal personality wherever or however incorporated), a partnership, a trust, a joint venture or an incorporated association or organization (the “Company”), by accessing our Services, that Company accepts these terms and you warrant that you are authorized to accept these terms on behalf of such Company.
2. User ID/Password
If you are a CLIEDIS member and you register on the Site, you will be solely responsible for maintaining the confidentiality of any user ID, password, and similar information. You may not authorize others to use your user ID, password, or similar information. You are solely responsible for all usage or activity on your account including, but not limited to, use of the account by any person who uses your Registration Information, with or without authorization, or who has access to any computer on which your account resides or is accessible.
If CLIEDIS cancels your username or password for any reason, such as your account not being used for over a year, you can reregister with CLIEDIS without CLIEDIS’ prior written consent. CLIEDIS has the right, in its sole discretion, to cancel your username and password without notice to you.
3. Restrictions On Use
4. Proprietary Information
(a) Other than as described in the paragraphs below, the entire contents of the Site, including without limitation, all text, information, designs, graphics, images, illustrations, photographs, video, audio, software, code, data, displays, the Site’s “look and feel”, logos, slogans, trade-marks, trade names, service marks, domain names, and the design, selection, arrangement and presentation of the Site as a collective work and/or compilation is protected under Canadian copyright, trademark, competition and other laws of Canada and other nations, and is owned by CLIEDIS or has been licensed to CLIEDIS. Nothing contained in this Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trade-mark, copywrited work, logo or any other intellectual property displayed or accessible on this Site.
(b) By using our Services, CLIEDIS may provide you with documents, resources and other information, verbally, electronically or written (collectively, “Documentation”) owned by CLIEDIS or licensed to CLIEDIS which is protected under copyright, trademark, patent and other intellectual property rights. All content in the Documentation, including the collection, arrangement, and assembly of such content, is the exclusive property of CLIEDIS or its licensors. Except as described below, you may not copy, sell, license, transfer, publish, reproduce, modify, display, reverse engineer, decompile, disassemble, adapt, translate, transmit, arrange, bundle, sublicense, export, merge, loan, rent, lease, assign, share, outsource, host, distribute in any way, prepare derivative works based on, re-post, make available to any person or otherwise use, either directly or indirectly, any of the Documentation, in whole or in part, in any form or by any means whatsoever, be they physical, electronic or otherwise, for any public or commercial purpose, without the prior written consent of CLIEDIS.
(c) From time to time, CLIEDIS will grant its members and/or the public rights to use the Documentation, and in these instances, the specific Documentation will indicate whether CLIEDIS is granting its members or the public permission to use the specific Documentation. If certain Documentation indicates that only “members” can use such Documentation, then only members of CLIEDIS are permitted to use such Documentation for their own private, non-commercial use and they are prohibited from distributing, copying and displaying such Documentation to the public. However, if certain Documentation indicates that the “public” can use such Documentation, then the public, including members and non-members of CLIEDIS, are permitted to use, distribute, copy, display, without alterations, such Documentation for non-commercial use. Any Documentation, whether used by members of CLIEDIS or the public, must retain CLIEDIS’ copyright notice as follows: “Copyright © 2014 CLIEDIS. All rights reserved. Used with permission of CLIEDIS”, unless otherwise indicated.
5. Third Party Content
(a) Our Services may also contain information or materials (“Third Party Content”) that is owned or provided by persons other than CLIEDIS, including the Association for Cooperative Operations Research and Development, known as ACORD (“Third Party Providers”). CLIEDIS makes no representations and warranties with respect to any such Third Party Content and does not undertake to conduct any independent investigation of Third Party Content. Inclusion of Third Party Content from Third Party Providers with our Services does not mean, unless expressly stated otherwise, that CLIEDIS endorses or agrees with such Third Party Content.
(b) You understand that you have no proprietary rights in the Third Party Content and that the Third Party Providers retain all proprietary right, title or interest, including copyright, in their respective Third Party Content.
(c) You may not copy, sell, license, transfer, publish, reproduce, modify, display, reverse engineer, decompile, disassemble, adapt, translate, transmit, arrange, bundle, sublicense, export, merge, loan, rent, lease, assign, share, outsource, host, distribute in any way, prepare derivative works based on, re-post, make available to any person or otherwise use, either directly or indirectly, any of the Third Party Content, in whole or in part, in any form or by any means whatsoever, be they physical, electronic or otherwise, for any public or commercial purpose, without the prior written consent of the Third Party Providers. You shall use your best efforts to stop any such copying or distribution immediately after you become aware of such use.
7. Use of our Services
(a) CLIEDIS expects that you will access and use our Services in a professional, responsible and business-like manner in accordance with applicable laws. By using our Services, you have the opportunity to engage in dialogue with CLIEDIS executive committee members, CLIEDIS staff and CLIEDIS members (collectively, the “CLIEDIS Representatives”), by sending emails, making telephone calls or interacting at in-person events and meetings. CLIEDIS welcomes your participation and your questions, suggestions, ideas and other information (collectively “Information”) communicated to CLIEDIS by you so long as any such Information or interaction is not obscene, illegal, threatening, defamatory, libellous, harmful, abusive, harassing, tortuous, homophobic, sexist, vulgar, obscene, hateful or racially, ethically or otherwise objectionable, invasive of privacy, infringing of third party intellectual property or privacy rights, or is otherwise injurious to third parties.
(b) You further agree that you shall use our Services for lawful purposes only and represent and warrant that you will not use our Services to:
(i) e-mail or otherwise transmit any Information to CLIEDIS Representatives that you do not have a right to transmit under any law or under contractual or fiduciary relationships (such as insider information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
(ii) e-mail or otherwise transmit any Information to CLIEDIS Representatives that infringes, misappropriates, or otherwise violates any third party’s copyright, patent, trade-mark, or other proprietary right of publicity or privacy, or encourages or enables any other party to do so;
(iii) remove any proprietary notices or labels, or any promotional or advertising material, from our Services;
(iv) post or insert on our Site or e-mail, transmit or send via the Internet any unsolicited or unauthorized advertising, branding, promotional materials, commercial solicitation, political campaigning, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation to any CLIEDIS Representatives;
(v) impersonate any person or entity or misrepresent your affiliation with any other person or entity, including without limitation, using a false email address or misleading CLIEDIS as to your identity when you are on our Site or otherwise communicating with CLIEDIS Representatives;
(vi) upload, e-mail, send via the Internet or otherwise transmit to CLIEDIS Representatives, any software viruses or any other computer code, files or programs designed to interrupt, destroy, alter, or limit the functionality of any computer software or hardware or telecommunications equipment or that imposes an unreasonable or disproportionately large load on the Site’s infrastructure or limits the functionality of any CLIEDIS or third party computer hardware, software, networks, or hardware or telecommunications equipment;
(vii) interfere or attempt to interfere with or disrupt our Services including but not limited to our servers or networks connected to our Site, including attempting to interfere with the access of any other user, host or network, including without limitation, overloading, initiating, propagating, participating, directing or attempting any “denial of service” attacks, “spamming”, “crashing”, “flooding” or “mail-bombing” our Site or disobeying any requirements, procedures, policies or regulations of networks connected to our Services;
(viii) direct bots, spiders, crawlers, avatars, intelligent agents or any other automated process at CLIEDIS’ computer systems or otherwise, create unreasonable load upon any of CLIEDIS’ computer hardware, network, storage, input/output or electronic control devices;
(ix) intentionally or unintentionally violate any applicable local, provincial, national or international law, rule or regulation applicable in connection with our Services;
(x) modify, adapt, sublicense, translate, sell, reverse engineer, decompile or disassemble any of our Services, including but not limited to any portion of our Site; or
(xi) collect or store personal data about other users of our Services.
(c) You agree that you shall use our Services, including any Documentation, for the sole purpose of supporting electronic data exchange for the Canadian life and health insurance industry, unless otherwise expressly permitted by CLIEDIS.
9. Disclaimer of Warranties/Limitation of Liability
(a) You understand that any information in our Documentation is provided for your own convenience. You acknowledge that you must evaluate and bear all risks associated with the use of our Documentation, including any reliance on the accuracy, completeness or currency of the Documentation. Any advice that we may offer through our Services is for informational purposes only and does not replace or substitute for any professional financial, legal, or other advice.
(b) You acknowledge that if you contact any CLIEDIS Representatives, you do so at your own risk. You understand that CLIEDIS bears no responsibility for any comments, advice or other information provided to you through your email interactions, phone or in-person discussions with CLIEDIS Representatives.
(c) CLIEDIS does not warrant or represent that its Site, its servers, any computers used to provide the Services, any emails sent from or to provide its Services or any files or information available for reading, streaming or downloading from the Internet, hyperlinked sites or our Site will be free of viruses, worms, malware, Trojan horses or other code that may manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to this Site for the reconstruction of any lost data. YOUR USE OF THE INTERNET IS AT YOUR OWN RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGES TO YOUR COMPUTER SYSTEMS OR LOSS OF DATA THAT RESULTS FROM ANY INTERNET ACCESS OR OUR SERVICES.
(d) YOUR USE OF OUR SITE, SERVICES AND DOCUMENTATION IS AT YOUR OWN RISK. OUR SITE, SERVICES AND DOCUMENTATION ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT REPRESENTATIONS, WARRANTIES, GUARANTEES OR CONDITIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED. CLIEDIS EXPRESSLY DISCLAIMS ALL REPRESENTATIONS, WARRANTIES, GUARANTEES AND CONDITIONS, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT OR NON-INFRINGEMENT OR THOSE ARISING OUT A COURSE OF DEALING OR USAGE OF TRADE FOR OUR SITE, SERVICES AND DOCUMENTATION. CLIEDIS MAKES NO REPRESENTATIONS, WARRANTIES OR CONDITIONS REGARDING THE COMPLETENESS, ACCURACY, AVAILABILITY APPROPRIATENESS OR CURRENCY OF OUR SITE, SERVICES OR DOCUMENTATION. FOR GREATER CLARITY, CLIEDIS DOES NOT REPRESENT OR WARRANT THAT (I) OUR SITE, SERVICES OR THE DOCUMENTATION WILL BE UNINTERRUPTED, FUNCTIONAL, RELIABLE, ACCURATE, COMPLETE, CURRENT, USEFUL, TIMELY, SECURE, ERROR-FREE OR WILL MEET YOUR REQUIREMENTS IN ANY WAY; (II) ANY DEFECTS IN OUR SITE, SERVICES OR DOCUMENTATION WILL BE CORRECTED; (III) OUR SITE, SERVICES, DOCUMENTATION OR ANY INFORMATION PROVIDED BY CLIEDIS REPRESENTATIVES WILL BE ACCURATE, CORRECT, RELIABLE, CURRENT, COMPLETE OR ERROR-FREE; (IV) ANY ACTIONS OR OMISSIONS RESULTING FROM THE DOCUMENTATION, ANY INFORMATION PROVIDED BY CLIEDIS REPRESENTATIVES OR OUR SERVICES WILL BE PROFITABLE OR POSITIVE; (IV) WE HAVE VERIFIED OR ENDORSED ANY THIRD PARTY CONTENT; (V) WE HAVE VERIFIED OR ENDORSED ANY NEWS THAT WE PROVIDE ON OUR SITE ABOUT THE CANADIAN LIFE AND HEALTH INSURANCE INDUSTRY, INCLUDING CURRENT UPDATES ABOUT THE PRACTICES OF OUR MEMBERS; (VI) OUR APPROVAL OF DATA FEEDS AND RELATED RECORDS WILL BE ERROR-FREE, ACCURATE, CORRECT AND COMPLETE; OR (VII) THE QUALITY OF OUR SITE, DOCUMENTATION AND SERVICES WILL MEET YOUR EXPECTATIONS OR REQUIREMENTS. OUR SITE, SERVICES AND DOCUMENTATION MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND CLIEDIS MAY MAKE CHANGES OR IMPROVEMENTS TO THE SITE, SERVICES AND DOCUMENTATION AT ANY TIME.
(e) IN NO EVENT SHALL CLIEDIS, ITS EXECUTIVE COMMITTEE, MEMBERS, STAFF, VOLUNTEERS, THIRD PARTY PROVIDERS, AGENTS OR ADVISORS (“ASSOCIATED PERSONS”) BE LIABLE TO YOU OR ANY OTHER PERSON OR ENTITY FOR ANY INDIRECT, EXEMPLARY, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF INCOME, LOSS OF PROFITS, LOSS OF ANTICIPATED SALES, LOSS OF OPPORTUNITIES, BUSINESS INTERRUPTION, DAMAGE TO PROPERTY, CLAIMS OF THIRD PARTIES, LOSS OF GOODWILL, DATA OR OTHER INTANGIBLE LOSSES OR OTHER ECONOMIC OR PERSONAL LOSS ARISING FROM OR IN CONNECTION WITH: (I) YOUR USE OF OR RELIANCE UPON THE SITE, THE SERVICES, THE DOCUMENTATION OR ANY INFORMATION PROVIDED BY CLIEDIS REPRESENTATIVES; (II) YOUR USE OF OR INABILITY TO USE OUR SITE, SERVICES OR DOCUMENTATION, INCLUDING WITHOUT LIMITATION ANY TERMINATION OR SUSPENSION OF OUR SITE OR SERVICES; (III) ANY FAILURE OF PERFORMANCE OR AVAILABILITY OF OUR SITE, SERVICES OR DOCUMENTATION, WHETHER RELATED TO ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUSES OR LINE FAILURE; (IV) ANY ACTION TAKEN BY CLIEDIS DURING OR AS A RESULT OF ANY INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER CLIEDIS OR LAW ENFORCEMENT AUTHORITIES; (V) ANY THIRD PARTY CONTENT OR HYPERLINKED SITES, INCLUDING WITHOUT LIMITATION, ANY DATA, ADVICE OR OTHER INFORMATION CONTAINED IN SUCH THIRD PARTY CONTENT OR HYPERLINKED SITES; OR (VI) ANY OTHER MATTERS RELATING TO OUR SITE, SERVICES OR DOCUMENTATION, WHETHER BASED IN CONTRACT, NEGLIGENCE, STRICT LIABILITY, FUNDAMENTAL BREACH, FAILURE OF ESSENTIAL PURPOSE OR OTHERWISE, WHETHER OR NOT CLIEDIS HAD ANY KNOWLEDGE, ACTUAL OR CONSTRUCTIVE, THAT YOU MIGHT INCUR SUCH DAMAGES.
(f) CLIEDIS DISCLAIMS ANY AND ALL SUCH ABOVE REPRESENTATIONS, WARRANTIES AND CONDITIONS TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW. CERTAIN JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR CONDITIONS OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU AND YOU MAY HAVE ADDITIONAL RIGHTS.
11. System Security
12. Applicable Law
14. Entire Agreement
15. No Agency; Third Party Beneficiary
You may not assign, convey, subcontract or delegate your rights, duties or obligations hereunder without the prior written consent of CLIEDIS.
18. No Waiver
21. Last Modified
These Terms and Conditions were last modified on January 15, 2016.