Disclaimer

Content

The following website(s) (the “Web Sites”) csuonline.ca, highlimitaccident.ca, hockeyinsurance.ca, specialtyrisk.ca, travelinsurancetogo.ca, healthinsurancetogo.ca and expatcover.ca are owned and operated by CSU Financial Management Consulting Group Inc. ("CSU"). No material from the Web Sites may be copied, reproduced, down loaded, uploaded, modified, sold, displayed published, republished, posted, transmitted distributed, incorporated into another work or otherwise dealt with or exploited except as expressly authorized by CSU in writing. Without limiting the foregoing, any use or modification of the content of the Web Sites is strictly prohibited. Notwithstanding the foregoing, visitors to the Web Sites may print or download the information contained on the Web Sites for their own personal and non-commercial use only and on the condition that they indemnify and hold harmless CSU, IT'S EMPLOYEE'S AND DIRECTORS from and against all manner of claims, suits, demands, damages, costs, and consequences of such use. These terms and conditions may be updated by CSU from time to time without notice to you.

The information and content contained in the Web Sites is intended for general informational purposes only. It is not intended to constitute, insurance, legal , financial, tax or any other professional advice or services. You should consult a qualified professional advisor before making any decision relating to the information contained in the Web Sites.

Much of the information contained on the Web Sites has been compiled from third party sources. Accordingly, CSU makes no representation or warranty concerning the accuracy of the information and content contained in the Web Sites. The information and content is provided strictly on an "as is" basis. CSU expressly disclaims all warranties whether express, implied or statutory, to the greatest extent permissible by law, including, but not limited, all warranties of accuracy, completeness, merchantability, performance, and fitness for a particular purpose. All information should be verified directly with CSU prior to your acting in reliance upon it.

CSU, IT'S EMPLOYEE'S AND DIRECTORS EACH HEREBY EXPRESSLY DISCLAIM FOR THEMSELVES AND THEIR RESPECTIVE EMPLOYEES, SUCCESSORS, HEIRS, AFFILIATES AND AGENTS, ANY AND ALL LIABILITY FOR ANY DAMAGES OR LOSS SUFFERED BY YOU, OR BY ANY OTHER PERSON, AS A RESULT OF YOUR USE OF THE INFORMATION AND CONTENT CONTAINED ON THE WEB SITES INCLUDING, BUT NOT LIMITED TO, ANY CONSEQUENTIAL, SPECIAL, PUNITIVE, EXEMPLARY AND GENERAL DAMAGES WHETHER OR NOT THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

All links between the Web Sites and other sites are owned, managed and maintained by independent third parties. As such sites are outside of the control of CSU, CSU makes no representations or warranties regarding the accuracy, completeness or any other aspect of the content of such sites or the advertising, services or products offered or sold by way of such sites. Furthermore, CSU does not endorse such sites nor any advertising, services or products offered by way of such sites. You further agree that CSU is in no way is responsible for the content or availability of such sites. YOU EXPRESSLY AGREE THAT CSU WILL IN NO WAY, DIRECTLY OR INDIRECTLY, BE LEGALLY LIABLE FOR ANY CONTENT, ADVERTISING, PRODUCTS, SERVICES OR OTHER MATERIALS AVAILABLE ON OR BY WAY OF SUCH SITES, NOR FOR ANY LOSS OR DAMAGES RESULTING FROM OR RELATED TO SUCH CONTENT, ADVERTISING, PRODUCTS, SERVICES OR OTHER MATERIALS OR YOUR USE THEREOF OR RELIANCE THEREON.

Nothing contained in the Web Sites should be construed as a solicitation, offer to sell or contract of any kind. Purchasers of insurance products should check their local laws before buying any insurance product.

Complete details of the benefits and plans available through CSU are contained in the policies, schedules and endorsements of the particular plans and can be obtained from CSU without charge upon request.

You agree to direct all inquiries regarding claims under policies arranged by CSU to the insurance company that issued your policy. All contracts & claims are negotiated directly between the client and the insurer or administrator wherever applicable.

Some of the products and services described or advertised on this site may not be available to residents of certain jurisdictions, depending on regulatory constraints, including Canada and the U.S. Please contact CSU  for more information about your specific jurisdiction.

Where the insurer is not Lloyds of London, all premiums must be payable directly to the insurer. Your insurance contracts are with the insurer, not CSU Financial Management Consulting Group Inc. Where the insurance contract is placed through Lloyds of London premiums are payable to CSU for remittance.

CSU reserve’s the right to refuse to provide a quote - a reason for not quoting is not required to be provided.

The case studies (if any) on this website are representations only, and may be fictitious. The subjects, terms and conditions of the case studies are not intended to imply actual people and/or situations.

CSU Financial Management Consulting Group Inc. (CSU) does not warrant or represent that this site is compatible with your equipment or is free of errors viruses or worms and is not liable for any damage you may suffer as a result of such restrictive features.

Consumer Privacy Notice

CSU Financial Management Consulting Group Inc. (CSU) has always made it a priority to maintain the confidentiality of the information it receives from its clients.  This Privacy Notice explains CSU Financial Management Consulting Group Inc. (CSU)’s policy regarding non-public, personal information that is collected by CSU Financial Management Consulting Group Inc. (CSU) in the course of placing insurance on behalf of its clients.
The firm’s Privacy Policy is as follows: 

• CSU Financial Management Consulting Group Inc. (CSU) may disclose all or part of a client’s personal financial information as permitted by law to non-affiliated third parties solely for purposes of servicing or processing an insurance product or service that such consumer requests or authorizes, or to solicit insurance quotations on behalf of a consumer.   

• CSU Financial Management Consulting Group Inc. (CSU) maintains physical, electronic, and procedural safeguards that comply with federal and state regulations to guard non-public, personal financial information.

• For its own internal use only, CSU Financial Management Consulting Group Inc. (CSU) may obtain information concerning non-public, personal financial information, for example, name, address, assets, date of birth, driver license number (for automobile insurance) and information concerning policy coverage(s) and premium(s).

• CSU Financial Management Consulting Group Inc. (CSU) may disclose all or part of a client’s personal financial information to other third party trusted advisors engaged to do business with the same client, such as CGA's, CMA's, financial advisors, attorneys or wealth managers.

CSU Financial Management Consulting Group Inc. (CSU) reserves the right to amend, modify or supplement this Privacy Policy at any time in accordance with applicable laws and regulations.  If changes are made to the Privacy Policy the firm will provide copies of such changes to clients as required by applicable laws. 

As the Personal Information Protection and Electronics Document Act ("PIPEDA" or the "Privacy Act") comes into effect January 1st, 2004, you can be assured that CSU will be compliant with all of its requirements. The privacy of our clients’ information has always been important to CSU, so the new Privacy Act has not required a significant change in our standards or procedures.

We gather basic information at the time of application of insurance to determine the premium and appropriate insurance coverage's, according to the risk. When a loss occurs, we may be required to collect additional information from an attending physician and family physician. The information we obtain ensures that we are able to offer the best possible assistance to the insured and their family.

Any information we collect is solely for the purposes related to determination of liability under the insurance policy. Once the information is collected, it is kept in secure storage for the period of time required by law.

If an insured would like details on the internal procedures and policies on the use and storage of their personal information, they need to let us know in writing. Upon written request, they will be provided access to their information to verify its accuracy.

If you have any questions or concerns regarding privacy policy or principles, please contact our Privacy Compliance Officer, by e-mail or by writing to:
CSU Financial Management Consulting Group Inc.

24 Limerick Lane ,
Brantford, Ontario, Canada N3T 6L3
 

The Privacy Commissioner of Canada also has a website with details of the Personal Information Protection and Electronic Documents Act. Click here to visit the website.

Additional information about your requirements under the Privacy Act is available under Federal Privacy Act.

Cookie Policy

CSU online web site , like most large web sites, uses cookies to help us provide a better service to our customers. A cookie is a tiny piece of text information that is placed on your computer when you visit a cookie-enabled web site. CSU does not use cookies to learn the identity of its users. Instead cookies are used on our web server to help us track user patterns so we can deliver web pages and advertisements that better reflect a user's interests. CSU only tracks users while they remain on CSU's web site.

Cookies are also used to help us understand which areas of the web site users prefer, how often they come back, and how long they remain on our site. Using cookies allows CSU to ensure users are not always seeing the same content.

Cookies are not used by CSU to gather personal information about our users. The usage patterns tracked by cookies remain confidential, and CSU does not participate in any external site tracking programs. Nor do we share or sell any cookie-generated information about individual users or user patterns with outside agencies. We are committed to protecting your privacy and use cookies to improve our service.

Cookies can be enabled or disabled by users. In Netscape go to the Options/Advanced area, or in Internet Explorer in the Internet Options menu. Disabling cookies, however, may limit access to certain areas of CSU's web site.

Many users choose to enable cookies but shut off the prompt that tells them when a cookie is being activated on their browser. In other words, the cookies work in the background without any disruption in service. Users can access their own cookie file on their hard disk and read what kind of information is being stored in it, and by which sites. The file can than be deleted.

Fees/Commission Disclosure

In addition to the fees and/or commissions received by CSU Financial Management Consulting Group Inc. (CSU) for the placement of insurance coverage's, in certain circumstances other parties may earn and retain usual and customary commissions for their role in providing insurance products or services under their separate contracts with insurers and/or reinsurers.  Additionally the firm may receive contingent payments or allowances from some insurers based on factors which are not client-specific, such as aggregate loss experience, size or performance of an overall book of business produced with the insurer.  CSU Financial Management Consulting Group Inc. (CSU) may, at their discretion pay third party sources for referrals where regulations may allow.