Terms and Conditions

By using cybersavvycanada.ca (the “Site”), you are agreeing to be bound by the following Terms and Conditions set out in this document (“Terms”). These Terms are governed by the laws of Canada as applicable herein, without regard to any principles of conflicts of law. If you do not wish to be bound by these Terms, you should discontinue use of this Site. Any changes made to these Terms will posted on this page. Please note that it is your responsibility to stay abreast of any changes and updates to these Terms – and to this end, we encourage you to check this page from time to time for any changes.

The information provided on this Site is meant to be a starting point for users to learn more about cyber risk and cyber safety for businesses and employees. However, we make no representations or warranties (express or implied) that this Site will be error-free or run without interruption.

This Site exists for informational and educational purposes only, and to allow users to participate in our public campaigns and initiatives. All content provided on this Site is reflective of our views, and is intended for general informational purposes only. In addition, the views and opinions expressed by users who are contributors to this Site do not necessarily reflect those of the members of Insurance Bureau of Canada.

Everything you read on this Site is the opinion of us or our contributors only. Your use of this Site is at your own risk, and you release us from any and all liability of any kind whatsoever resulting therefrom. By using this Site, you expressly acknowledge and agree that in no event will we or our agents, suppliers or licensors be liable for any damages suffered by you, either directly or indirectly, as a result of the use or inability to use this Site or its contents.

We make reasonable efforts to ensure that this Site is virus-free and malware-free, but we do not and cannot guarantee that this is the case. You are responsible for the entire cost of any service, repairs or corrections necessary as a result of your use of this Site.

We have no control over the content of any linked site. This content is the sole responsibility of the owner or operator of the linked site.

You are responsible for reading and complying with our Privacy Policy, the terms of which appear on this Site and are incorporated into these Terms. If you do not feel that the terms and conditions of the Privacy Policy are reasonable, you should cease using this Site. By continuing your use of this Site, you are agreeing that the terms of the Privacy Policy are reasonable. You consent to the collection, use, and disclosure of your information by us or our agents or representatives in accordance with, and for the purpose set forth in the Privacy Policy.

All of the original content and materials made available on this Site are owned by us, and are protected by Canadian and international copyright laws, trademark, and other applicable intellectual property laws. Our content is provided for personal, non-commercial use only. Unless explicitly authorized by us, none of our content may be copied, reproduced, republished, sold, distributed, modified, uploaded, transmitted, translated or exploited, nor can derivative works be created based upon our content, in whole or in part without our prior written consent. Any copying, reproduction, republishing, sale, distribution, modification, uploading, reverse engineering, transmission, translation or exploitation of, or creation of derivative works based upon these materials for commercial purposes without our permission is prohibited. Only for the purpose of personal and non-commercial use, you may make one copy of extracts from this Site provided that all copyright notices are kept intact. If a dispute arises, recourse will be available under the Canadian Copyright Act (R.S.C., 1985, c. C-42) and other applicable legislation and common law.

We cannot and do not guarantee the completeness or accuracy of the information or content found on this Site. Under no circumstances shall we be liable for any direct, indirect, incidental, special or consequential damages that result from the use or downloading any content on this Site.

You agree to indemnify, defend, and hold us harmless against any and all claims, liabilities, damages, causes of action, costs and expenses, including legal fees and expenses, arising out of or related to your breach of any obligation, warranty, representation or covenant under these Terms.

This Site is targeted to users in Canada. Any disputes between us will be resolved in accordance with the applicable laws of Canada, notwithstanding your residence or physical location. You agree to the exclusive jurisdiction of the courts of Canada to decide and adjudicate any dispute in connection with this Site, its disclaimers or its Terms.

The information described in this Site are available only in jurisdictions where they may be legally provided, and therefore may not be available in all regions of Canada or to residents of other jurisdictions. This Site is not intended for use by persons under the age of eighteen (18) years or the age of majority for voting in the jurisdiction of use. Use of this Site is void where prohibited by law.

These Terms were last updated on September 19, 2023 and are effective immediately, and replace any previously published terms. These Terms may be changed at any time at our discretion. Should we update these Terms, we will post the updates to this page.

Click here to view our Privacy Policy.