Terms of Use

Your Agreement to Terms of Use. This website (the “Site”) is operated by Olympia Benefits Inc. (“Olympia”). The Site provides articles, publications, information and other materials (the "Content"). The Site is made available to you subject to your compliance with these terms and conditions of use (the "Terms"). By accessing or using the Site, you agree to be bound by, and comply with, the Terms and represent that you understand and can agree to the Terms. If you do not agree to be bound by, and comply with, the Terms, you are not permitted to access or use the Site.

Modifications. Olympia reserves the right to modify the Terms at any time. You should review the Terms regularly. By accessing or using the Site after any such modifications, you agree to be bound by, and comply with, the Terms then posted. If any modification is not acceptable to you, you must cease accessing and using the Site.

Legal Advice Not Provided. The Content does not constitute legal or other professional advice. The Content should not be relied upon as accurate, reliable, complete, current, timely or fit for any particular purpose, without receiving advice from a lawyer or other relevant professional. You should seek specific legal advice by contacting your own legal counsel in relation to your specific legal issues. No one should act, or not act, on the sole basis of the Content.

Currency of Content. The Content is provided solely for informational purposes. The Content is current as of the date of first publication but may no longer be accurate as a result of the passage of time, changes in the law or subsequent court decisions.

Permitted Uses. You may access and use the Site and the Content only in accordance with all applicable laws and the Terms. Subject to the Terms, Olympia grants to you a non-exclusive, non-transferable and revocable licence to access and use the Site and the Content only to display and save on your own computer, download and print a copy of the Content for your use, provided that the Content is not modified (“Permitted Uses”). By accessing or using the Site or the Content, or by displaying, saving, downloading or printing a copy of any Content, you do not acquire any other right or licence to the Site or the Content.

Linking. Where you provide a link to the Site from another website, Olympia reserves the right to require you to disable such link.  The Site may, for convenience, provide links to websites of other parties. The content in any website to which the Site provides a link is not provided by, or under the control of, Olympia, and if you choose to access any such website, you do so entirely at your own risk. Olympia does not endorse or republish any content contained on any website that links to, or may be linked from, the Site or provides any representation, warranty or guarantee regarding the quality, accuracy, reliability, completeness, currency, timeliness, non-infringement, or fitness for any purpose of any such website or the content thereon.

Prohibited Activities. You may not access the Site or use the Site or the Content in any way or for any purpose that is unlawful. Without the prior written consent of Olympia, you may not access the Site or use the Site or the Content for any purpose that is outside the scope of the Permitted Uses, or that violates the rights of Olympia, or any other person.

Copyright of Olympia. All Content, including all: (a) text, data and other literary works; (b) logos, designs, graphics, images, photographs, artwork and other artistic works; (c) musical works and other sounds;  (d) videos and all audio-visual works; (e) performances; (f) other materials; (g) selections, arrangements, compilations, modifications and enhancements of all of the foregoing; (h) software, including program code that may execute on the Site’s servers or that may be embedded or be downloadable from individual webpages on the Site; and (i) the architecture and layout of the Site and webpages thereon, is protected by copyright owned by, or licensed to, Olympia.

Risks You Assume. Access to, and use of, the Site and the downloading of Content are done at your own risk. Olympia does not represent, warrant or guarantee that the Site or the Content is compatible with your computer systems or that the Site or the Content is or will be free of viruses, worms, trojan horses or disabling devices or other code that manifests contaminating or destructive properties or has harmful effects. You are responsible for implementing safeguards to protect the security and integrity of your computer system, and you are responsible for the entire cost of any service, repairs or connections of and to your computer system that may be necessary as a result of your use of the Site.

Disclaimer and Limitation of Liability. THE SITE AND THE CONTENT ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. ACCESS TO, AND USE OF, THE SITE OR THE CONTENT IS AT YOUR OWN RISK. OLYMPIA AND OLYMPIA FINANCIAL GROUP INC., AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND CONSULTANTS, (COLLECTIVELY, THE “OLYMPIA PARTIES”) DO NOT MAKE ANY REPRESENTATION, WARRANTY OR CONDITION ABOUT THE QUALITY, ACCURACY, RELIABILITY, COMPLETENESS, CURRENCY, TIMELINESS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY OR RELATED RIGHTS, OF THE SITE OR THE CONTENT.  NONE OF THE OLYMPIA PARTIES ASSUME ANY RESPONSIBILITY FOR ANY ERRORS, OMISSIONS OR INACCURACIES IN THE SITE OR THE CONTENT.

TO THE FULLEST EXTENT PERMITTED BY LAW, EACH OF THE OLYMPIA PARTIES DISCLAIMS ALL WARRANTIES, REPRESENTATIONS AND CONDITIONS OF ANY KIND WITH RESPECT TO THE SITE AND THE CONTENT WHETHER EXPRESS, IMPLIED OR COLLATERAL, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT OF INTELLECTUAL PROPERTY AND RELATED RIGHTS OR THAT THE SITE OR THE CONTENT ARE OR WILL BE ERROR-FREE OR WILL OPERATE WITHOUT INTERRUPTION. IN NO EVENT WILL ANY OF THE OLYMPIA PARTIES BE LIABLE, WHETHER BASED ON WARRANTY, CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR ANY OTHER LEGAL THEORY, FOR ANY DAMAGES OF ANY KIND, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE DAMAGES, LOST PROFITS, LOSS OF USE, LOSS OF DATA, PERSONAL INJURY, FINES, FEES, PENALTIES OR OTHER LIABILITIES, WHETHER OR NOT ANY OF THE OLYMPIA PARTIES IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM THE USE OF, OR THE INABILITY TO MAKE USE OF, THE SITE OR THE CONTENT.

General Provisions. The Terms, including any documents referenced herein, constitute the entire agreement between Olympia and you pertaining to the subject matter hereof and supersede all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and Olympia with respect to the Site or the Content. A printed version of the Terms and of any notice given in electronic form will be admissible in judicial administrative or arbitral proceedings based upon or relating to the Terms to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. Any failure by Olympia to insist upon or enforce strict performance of any provision of the Terms will not be construed as a waiver of any provisions or right. If any of the provisions contained in the Terms are determined to be void, invalid or otherwise unenforceable by an arbitrator or court of competent jurisdiction, such determination shall not affect the remaining provisions contained herein or the affected provision in a jurisdiction outside the jurisdiction of such court.

Governing Law. The interpretation, validity, effect and enforcement of the Terms are governed by the laws of the Province of Alberta and the laws of Canada applicable therein. These laws apply to the access and use of the Site or the Content by you, notwithstanding any conflicts of laws principles, your domicile, residency or physical location. The Site and the Content are intended for use only in jurisdictions where they may lawfully be provided for use.