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Terms & Conditions

Please Read These Terms Carefully Before Using This Site

The materials on this website are provided by Pafco Insurance Company as a service for its customers and may be used for personal and / or informational purposes only. By using in any manner, you agree to all Terms of Use contained or referenced in these Terms of Use and any additional terms and conditions of use set forth in any sub-site. These Terms of Use apply only to your use of and do not change or alter any other agreement or contract between you and Pafco Insurance Company.

Pafco Insurance Company reserves the right, in its sole discretion, to modify or change these Terms of Use at any time without prior notice to you. Your continued use of following the posting of any changes to the Terms of Use constitutes acceptance of those changes.

If at any time you choose not to accept these Terms of Use, please do not use this website or send e-mail to any e-mail address.

Jurisdictional Statement

This website is controlled, operated and intended for use only in Canada. We do not represent that materials on this website are appropriate or made available for use outside of Canada.

Privacy Policy

Our Privacy Statement describes our use and protection of nonpublic personal information ("customer information") and will help you understand how we treat the customer information that we obtain from you or other sources in the course of providing you with products and services. We urge you to read our Privacy Statement.

Ownership of Materials and Restrictions on Use

The information on this website, along with any materials (including, for example, press releases and product descriptions) is the copyrighted work of Pafco Insurance Company and is protected under Canadian and worldwide copyright laws and treaty provisions. Pafco Insurance Company grants you permission to copy such materials so long as each copy: (i) is solely for informational, non-commercial use and is not modified or revised in any manner; (ii) plainly displays all copyright and other proprietary notices, in the same form and manner as on the original; and (iii) displays a statement that the materials are used solely with permission of Pafco Insurance Company. To seek permission for any other use, please contact Pafco Insurance Company.

Bulk E-Mail and Other Prohibited E-Mail

The Pafco Insurance Company computer network (which includes, but is not limited to, the technology and applications which support the e-mail functionality Pafco Insurance Company provides its officers, employees, and other authorized users) is the private property of Pafco Insurance Company.

Pafco Insurance Company prohibits any bulk e-mail transmissions to be sent, or caused to be sent, over the internet to e-mail addresses unless Pafco Insurance Company, through one of its officers, has specifically requested or authorized the sending of such bulk e-mail. For purposes of these Terms of Use, the word "bulk" shall mean an e-mail message, or group of identical or similar e-mail messages, sent to more than 20 different addresses in any 24-hour period.

Pafco Insurance Company also prohibits any e-mail transmissions of the following types to be sent, or caused to be sent, over the internet to more than 5 different e-mail addresses in any 24-hour period unless Pafco Insurance Company, through one of its officers, has authorized the sending of such e-mail: (1) commercial advertising; (2) informational announcements; (3) political or religious tracts; or (4) solicitations for funds or donations.

Pafco Insurance Company prohibits any e-mail transmission to be sent, or caused to be sent, over the internet to any e-mail addresses if the e-mail is intended to, or appears intended to, harass, embarrass, threaten, defame or impersonate any person, or if the e-mail is pornographic, offensive, indecent, discriminatory or offensive on the basis of sex, color, national origin, race, age, religion, sexual orientation or disability.

Pafco Insurance Company prohibits any e-mail transmission to be sent, or caused to be sent, over the internet to any e-mail address that makes use of a forged header or deceptive addressing, or which attempts in any manner to disguise the source of the e-mail.

Pafco Insurance Company prohibits the harvesting or collection of the e-mail addresses of Pafco employees from the web site for the purpose of sending bulk e-mail to e-mail addresses.

Pafco Insurance Company reserves the right to take all legal and technical steps available, including pursuing civil remedies and criminal prosecution, to prevent bulk or other prohibited e-mail from entering, utilizing or remaining within the Pafco Insurance Company computer network.

Nothing in this policy is intended to grant any right to transmit or send e-mail to, or through, the Pafco Insurance Company computer network. Pafco Insurance Company’s failure to enforce this policy in every instance in which it might have application does not amount to a waiver of Pafco Insurance Company’s rights.

Links to Other Web Site

This website contains links to other sites. Pafco Insurance Company provides links to other sites as a convenience to persons who visit the website. If you choose to use the services provided by those sites, you may be asked by those sites to provide certain personally identifiable information. Please be aware that Pafco Insurance Company is not responsible for the privacy practices of those sites, even though Pafco’s name or logo may appear on those sites. We encourage you to be aware when you leave our site and to read the privacy policies of each and every website that you visit, as the privacy policies of those sites may differ from ours. Our Privacy Statement applies solely to this website.

Pafco Insurance Company is not responsible for the contents of any linked site or any link contained in a linked site.

Links to

Pafco Insurance Company appreciates your interest in linking your website (the "Linking Site") to Pafco’s website, located at In order to avoid misunderstandings regarding the use of Pafco’s trademarks, trade names and other proprietary information, Pafco Insurance Company asks that you review and agree to the following guidelines: Third parties are authorized to include active links on websites they control to direct a browser to Unless you have received specific written permission from Pafco Insurance Company, you may not (a) "frame" or otherwise impose editorial comment, commercial material or any type of identification on (or in proximity to) content displayed on the Pafco website ("Pafco Content"), (b) alter or modify Pafco Content, or (c) "cut and paste" or otherwise reproduce Pafco Content on the linking site. No Archiving. Your link must be to the current Pafco site only. In permitting linking, Pafco Insurance Company does not grant you the right to reproduce, modify, cache or archive the Pafco Content for any purpose. Link At Your Own Risk. Pafco Insurance Company makes no representations or warranties regarding the Pafco website, which is provided "as is." Linking sites link to the Pafco website at their own risk. Pafco Insurance Company is under no obligation to maintain the Pafco website, provide or update Pafco content or otherwise support your link to the Pafco website. Termination. Pafco Insurance Company may revoke this license immediately if you fail to follow these guidelines. Pafco Insurance Company may revoke this license upon ten (10) days notice without cause.