PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING OR OBTAINING ANY MATERIALS, INFORMATION, OR SERVICES THROUGH THIS SITE. CORTEX ("we" or "us") provides access to and use of this site ("Website") subject to your acceptance of these terms and conditions ("Terms"). By accessing, using, or obtaining any data, materials, information, products, services, or other content (collectively, "Content") through this Website you acknowledge that you have read and understand these Terms and agree to abide by them. If you do not accept or understand all of these Terms, do not access or use this site and cease your current access.

Licensing

CORTEX's affiliates are licensed as insurance brokers or agents to sell insurance and investment products in the provinces of Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland, Nova Scotia, Ontario, Prince Edward Island and Saskatchewan. This Website is not intended as a solicitation for insurance in any country, state or province where CORTEX or its affiliates are not licensed.

Ownership

CORTEX and its content providers ("Providers"), own and have copyrights on this Website and all of the Content. You warrant that you will not copy, reproduce, republish, upload, post, transmit, distribute, sell, transfer, or modify any of the Content. You are granted a limited, non-exclusive, non-transferable, and revocable license to download, display, and print one (1) copy of the Content on a single computer for your personal, non-commercial use.

Trademarks, logos, and service marks displayed on the Website ("Marks") are the registered or common law Marks of CORTEX or its Providers. Your use of and access to the Website does not grant you any license or right to use any of the Marks. You will not use any technological means such as robots, spiders, or other devices to monitor materials available through the Website.

Use

By using this Website you warrant that you are at least 18 years of age and can enter into binding contracts for insurance or other goods. If you are less than 18 years of age you may not use the Website and you must leave immediately.

You are responsible for maintaining the confidentiality of any passwords, login names, or other information associated with your use of this Website.

You may not use the Website for any false or fraudulent purpose. You are also forbidden from using this Website to post or transmit any unlawful, threatening, libelous, defamatory, obscene, indecent, inflammatory, pornographic or profane material, or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. You may not use any device, software, or routine that interferes or attempts to interfere with the normal operation of our site or take any action that imposes an unreasonable load on CORTEX's computer equipment. Finally, you may not use the Website for any purpose that is unlawful or otherwise prohibited by these Terms.

CORTEX reserves the right, at any time and without advance notice or liability, to terminate your access to the Website or any component therein.

Privacy

Your use of the Website is subject to our Privacy Policy. Your acceptance of these Terms indicates your consent to the Privacy Policy as well.

Outsourced Areas

In order to provide a greater breadth of services certain functions provided on this site may be outsourced to third parties. Specifically, CORTEX may contract with other entities to help improve our technical services and operations as well as provide additional business services to our visitors. Certain pages in this Website, therefore, may be operated and controlled by third-parties ("Outsourced Areas"). These Outsourced Areas may or may not continue to display CORTEX's trademarked logo at the top of the page but are nonetheless operated and managed by third parties. These Terms, in conjunction with any further terms and conditions posted on the Outsourced Areas govern your access and use of those areas. In all other respects, access to the Outsourced Areas is at your own risk.

Links

This Website may contain links to other sites on the World Wide Web, other than the Outsourced Areas. Links to outside sites do not constitute or imply endorsement by CORTEX of the linked site or any material contained within. Access to these sites is at your own risk.

Products / Quotations

Under no circumstances should you regard any information you may access in this Website as a recommendation, advice, or complete description of any products, service, or plan. Application for an insurance quotation through this Website does not constitute a binder of insurance coverage. The application may be used by CORTEX to provide an estimate of the terms, conditions, and costs of coverage. A quotation may be subject to receipt of additional information or other conditions. Insurance coverage is provided by various insurance companies and is subject to the terms and conditions of the policies. Circumstances vary and Website-visitors must carefully review their own insurance policies and consult with their insurance advisors.

NO LEGAL OR FINANCIAL ADVICE

UNDER NO CIRCUMSTANCES SHOULD YOU REGARD ANY INFORMATION YOU MAY READ OR ACCESS IN THIS WEBSITE AS A RECOMMENDATION OR LEGAL ADVICE REGARDING INSURANCE PRODUCTS, FINANCIAL PRODUCTS OR ANY OTHER MATTER. FOR ADVICE ON TAX, ACCOUNTING, LEGAL OR OTHER MATTERS, PLEASE CONSULT WITH AN ATTORNEY AND/OR ACCOUNTANT AND/OR OTHER PROFESSIONAL ADVISOR.

Warranty/Disclaimer

CORTEX, AND ITS PROVIDERS, MAKE NO WARRANTY OF ANY KIND REGARDING THE WEBSITE AND/OR THE CONTENT. THE WEBSITE AND CONTENT ARE PROVIDED "AS-IS". CORTEX EXPRESSLY DISCLAIMS ANY REPRESENTATION OR WARRANTY THAT THE WEBSITE WILL BE ERROR-FREE, SECURE, OR UNINTERRUPTED. CORTEX FURTHER DISCLAIMS ANY WARRANTY AS TO THE ACCURACY, COMPLETENESS, AND CURRENCY OF ANY THE CONTENT ON THIS WEBSITE. CORTEX AND ITS PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES AND CONDITIONS, INCLUDING IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND THOSE ARISING BY STATUTE OR OTHERWISE IN LAW OF FROM A COURSE OF DEALING OR USAGE OF TRADE. SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THIS WARRANTY DISCLAIMER MAY NOT APPLY IN WHOLE OR IN PART TO YOU.

Limitation of Liability

CORTEX AND ITS PROVIDERS WILL NOT BE RESPONSIBLE OR LIABLE FOR (A) ANY DAMAGES TO OR VIRUSES THAT MAY INFECT YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY AS THE RESULT OF YOUR ACCESS TO, USE OF OR BROWSING IN OUR SITE OR YOUR DOWNLOADING OF ANY CONTENT OR (B) ANY INJURY, LOSS, CLAIM, DAMAGE, OR ANY SPECIAL, EXEMPLARY, PUNITIVE, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND (INCLUDING WITHOUT LIMITATION LOST PROFITS OR LOST SAVINGS), WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, THAT ARISES OUT OF OR IS IN ANY WAY CONNECTED WITH (i) ANY USE OF THE WEBSITE OR THE CONTENT FOUND THEREIN, (ii) ANY FAILURE OR DELAY (INCLUDING WITHOUT LIMITATION THE USE OF OR INABILITY TO USE ANY COMPONENT OF THIS SITE FOR RESERVATIONS OR TICKETING), OR (iii) THE PERFORMANCE OR NON PERFORMANCE BY US OR ANY PROVIDER, EVEN IF WE HAVE BEEN OR A PROVIDER HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES TO SUCH PARTIES OR ANY OTHER PARTY. THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION.

Cautionary Statement

This website contains press releases and other written statements issued by CORTEX and may include forward-looking statements which reflect the current views of CORTEX with respect to future events and financial performance. These forward looking statements are subject to uncertainties and other factors that could cause actual results to differ materially from such statements. These uncertainties and other actors include, but are not limited to, uncertainties relating to government and regulatory policies, volatile and unpredictable developments (including storms and catastrophes), the legal environment, the uncertainties of the reserving process, and the competitive environment in which CORTEX operates. The words "believe," "expect," "anticipate," "project," "plan," and similar expressions identify forward-looking statements. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of their dates. CORTEX undertakes no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise.

Miscellaneous

These Terms are governed by the laws of Toronto, Ontario excepting its conflicts of law principles. Any dispute arising out of this site shall be subject to the exclusive venue of a court of competent jurisdiction in Toronto, Ontario. The headings in these Terms are for convenience and reference and shall have no legal effects. Any failure by CORTEX to act with respect to you or another person's breach of these Terms will not constitute a waiver with respect to future or similar breaches. If a court finds any of these Terms to be unenforceable or invalid, that Term will be enforced to the fullest extent permitted by applicable law and the other Terms will remain valid and enforceable. These Terms, together with those items incorporated by reference, constitute the entire agreement between us relating to your use of the site and replaces any prior oral or written understandings or agreements.

Revisions

CORTEX reserves the right to change these Terms from time to time and in its sole discretion. If these Terms change, the revised Terms will be posted at the "Terms of Use" link on the Website's home page. The last time these Terms were revised is set forth below, if the date displayed is later in time than your last visit, you must re-read these Terms. Your continued use of this Website after the date of the last revision indicates your acceptance of any revisions.

These Terms were last revised on September 5th, 2022.