Insurance Legal Information

The products described in this website are available and intended only for distribution in selected provinces and territories in Canada and only where they may lawfully be sold.

The use of this website is restricted to persons currently residing in those areas.

PC® auto and home insurance are currently available in Alberta, New Brunswick, Newfoundland & Labrador, Nova Scotia, Ontario, and Prince Edward Island.

You agree that the laws of the Province of Ontario, Canada govern any use of this website and any issues which may arise with regard to this website, without regard to rules relating to conflict of laws, including with regard to any dispute arising out of your use of this website or material from this website. The courts of the Province of Ontario shall have exclusive jurisdiction over all such claims.

All information on this website, including quotations and information relating to premiums, is subject to change without notice.

We strive to provide accurate and up-to-date material on this website, however, we make no warranties or representations and there are no conditions as to the accuracy or timeliness of the material provided. We assume no liability or responsibility for any errors or omissions on this website.

Many terms used in and concepts depicted on this website are defined terms or matters specifically dealt with in the policies of insurance to which this website material relates. In all instances it is the terms of these policies which shall govern, including as to matters such as the scope of coverage or the outcome of any claim.

We may change, modify, add or remove portions of these terms and conditions of use at any time. We will notify you of any changes to these terms and conditions of use by posting such changes on this website. Your continued access and browsing following notice of such change means that you agree to and accept these terms and conditions of use as amended. If you do not agree to any modification of these terms and conditions of use, you must immediately stop accessing and browsing this website.

The content of this website is the copyright of Loblaws Inc. and is protected under the laws of Canada and other countries. All rights reserved. In addition, certain information may be copyrighted by others. The information on this website may not be reproduced, or distributed in whole or in part without the prior written consent of Loblaws Inc. which may be arbitrarily withheld. Any infringement of these rights will result in appropriate legal action.

This website contains many of the valuable trademarks, names, package designs, copyrights and other proprietary material owned and used by Loblaws Inc. and/or its affiliated companies and its participating insurance suppliers including but not limited to President's Choice® and PC® (the "Trademarks"). The Trademarks on this website are protected from copying or reproduction under national and international trademark and copyright laws and nothing contained herein shall be construed as conferring by implication or otherwise any license or right under any patent, trademark, copyright or other proprietary right. Therefore, the use of the Trademarks is strictly prohibited. All rights reserved. ®PC, President's Choice, President's Choice Financial, and PC Financial are registered trademarks of Loblaws Inc. Trademarks used under license. Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. President's Choice Bank is a licensee of the marks.

The content of this website is protected by copyright. ©2022 Loblaws Inc.

This site may contain links to third-party websites that are not owned, operated or controlled by President's Choice Bank, President's Choice Services Inc., or their affiliates (collectively "PC Financial"). These links are provided solely as a convenience to you and not as an endorsement by PC Financial of the contents of such third-party websites. PC Financial is not responsible for the content of any third-party website, nor does it make any representation or warranty of any kind regarding any third-party website including, without limitation: (i) any representation or warranty regarding the legality, accuracy, reliability, completeness, timeliness, suitability of any content on any third-party website; (ii) any representation or warranty regarding the merchantability or fitness for a particular purpose of any material, content, software, goods or services located at or made available through such third-party websites; or (iii) any representation or warranty that the operation of the third-party websites will be uninterrupted or error free, that defects or errors in such third-party websites will be corrected or that such third-party websites will be free from viruses or other harmful components.

We do not accept unsolicited ideas for new products, packaging, marketing, advertising, research, business operations and the like. Should you ignore this policy and submit an idea to us, you agree that the idea becomes and remains our sole and exclusive property without further liability of compensation to you.

If you respond to us with any information, including but not limited to feedback, data, questions, comments, suggestions, or the like, such information shall not be deemed confidential. All such submissions shall be deemed our property and your submission of information shall constitute an assignment to us of all worldwide rights, titles, and interests in such information. We will not be liable for any use of disclosure or such information. We will not have any obligation to keep such information confidential and will be free to reproduce, use, disclose and distribute the information to others without limitation. We will be free to use any ideas, concept, know-how or techniques contained in such information for any purpose whatsoever, including but not limited to developing, manufacturing and marketing products which incorporate or otherwise rely upon such information.

We welcome your comments and suggestions, but we do not seek to solicit any confidential or proprietary ideas, suggestions, materials or other information relating to developing, designing, redesigning, modifying, manufacturing or marketing our products or any new products. By submitting information, you warrant that we may publish such information, use it as part of its operations, and incorporate its concepts into products to be distributed by us without liability or compensation to you.

PC Financial Insurance Broker Inc., any of its third party administrators and agents, employees, directors, officers and affiliated companies and participating insurance suppliers, nor any other party involved in creating, producing, or delivering this website, shall be liable for any loss, harm or damage, including without limitation, any direct, indirect, special, third party or consequential damages, howsoever caused, to any person as a consequence of, or arising out of, your access to, or use of, this websiteor any material from this website, even if we have been advised of the possibility of these damages. You agree that the use of this website, and any sites linking to or from this website, is entirely at your risk.

PC Financial Insurance Broker Inc., assumes no liability or responsibility for any damage to you, your computer, or your other property, due to your access to, use of, or downloading of this websiteor any materials provided on this website.

This website has security measures in place to protect the loss, misuse and alteration of the information under our control. Although every effort is taken to ensure no one else will see or obtain your personal data, complete confidentiality and security is not yet possible over the internet. Any unencrypted e-mail communication over the internet is, as with communications via any other medium such as cellular phones, not secured or confidential, and is subject to possible interception, loss and alteration. We do not encourage anyone to send information, including personal information, to us using unencrypted e-mail. You acknowledge and agree that we, our agents, administrators, employees and affiliates shall not be responsible for any damages you or anyone else may suffer as a result of the transmission of confidential or sensitive information over the internet, and that all such communication will be at your own risk.

If any provision of this agreement is unenforceable, that provision shall be deemed severed from this agreement and shall not affect the validity and enforceability of the remaining provisions.

This is the entire agreement between the parties relating to the subject matter.

PC Financial Insurance Broker Inc. is a member of the Loblaw Group of companies.

PC® auto and home Insurance is arranged for by PC Financial Insurance Broker Inc.

PC® auto and home Insurance is underwritten by a number of licensed Canadian insurance companies.