Please read the following Terms of Use carefully before you use this website. By accessing and using the site, you are agreeing to these Terms. If you do not agree to these Terms, please do not use the site.

We may change the Terms from time to time, without prior notice. The amended Terms are automatically effective as soon as we post them.

On this page, “you” or “your” mean the person using the site. “We”, “us” or “our” mean Quest International Marketing Incorporated (“Quest”).

Additional or different terms of use may apply to other websites of Quest, and you should review the terms of use posted on the website(s) you wish to use. Privacy and Security:

We are committed to keeping your personal information safe and secure. Personal Information transmitted to us will be treated in accordance with our Privacy Policy. You can find out more about how we do that below. However, no data transmission over the internet is 100% secure and any information discussed online can be potentially interrupted and used by unauthorized parties.

The content of this site is protected by copyright. You can copy information for your own personal non-commercial use, but may not otherwise republish or reproduce any part without the prior written permission of Quest.

Quest owns or is licensed to use the trademarks on this site. The trademarks are protected by Canadian trademark laws. All rights reserved.

All hypertext-linked websites are completely independent of this site. We do not endorse any external hypertext-linked sites or their products or services. We simply provide these links as a convenience to our site visitors.

The use of the site is at your own risk. We have taken all reasonable efforts to ensure that the information contained in the site is current, complete and accurate. Quest cannot warrant or represent that the site is current, complete and accurate and cannot accept any liability for any loss you may incur as a result of relying on any information contained on this site. All information is subject to modification and update from time to time without notice. Certain jurisdictions may not permit certain disclaimers of warranties. In such case, we disclaim warranties to the fullest extent permitted by the applicable law.

If any provision in these Terms of Use is held invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect. These conditions of use shall be governed by and construed in accordance with the laws of the Province of Ontario and the applicable laws of Canada. You hereby consent and submit to the exclusive jurisdiction of the courts of the Province of Ontario sitting in the City of Toronto in any action or proceeding related to your use of this site.

We need to collect Personal Information for a variety of reasons. These might include:

• Understand your needs

• Provide information that may be of interest to you

• Continue to offer you the full range of products and services that we believe meet your changing needs

• Confirm your application information and assess your eligibility for products and services

• Meet regulatory requirements

• Provide you with ongoing services, establish and maintain communication and to respond to your inquiries

• Meet our legal and regulatory obligations

We collect, use and share your Personal Information only for disclosed purposes related to the products and services we offer, and only with your consent, or as permitted or required by law. Your consent may be expressed in writing, or it may be given verbally, electronically, or through our, or your authorized representative(s). Your consent may also be implied or inferred from certain actions. You may withhold or withdraw your consent for us to collect, use and disclose your Personal Information, as long as there are no legal or contractual reasons preventing you from doing so. Depending on the circumstances, however, withdrawal of your consent may impact our ability to continue to provide you with the products and services you have requested.

Once Quest has issued a contract to you, you may not withdraw your consent. This is necessary since we may be required to use your personal information in the normal course of handling your business, past and present.

The disclosure of your Personal Information will be restricted to those who have a need for, and the legal right to, the information.

Your Personal Information will (subject to any legal restrictions) only be provided to, or be accessible by:

• Our employees and representatives who need the information in the performance of their duties for us

• Our affiliates to resolve your concerns about any related benefits or services with us and to assist in any other matters

• Service providers needing the information in the performance of their duties for us, and to satisfy their obligations to us (we may use service providers to provide us with various services such as printing, mail distribution, information technology, data storage, administration, paramedical, claims adjudication, investigation and reinsurance)

• Any person or organization to whom you gave consent

• Anyone who is otherwise authorized by law

If we receive a request to release your Personal Information, we will only do so upon satisfactory identification and proof of entitlement of the requestor, or as required or permitted by law.

Please note that we will NOT give your Personal Information, without your consent, to any organization for the purpose of that organization marketing their own products or services directly to you.

We will protect your Personal Information.

We are responsible for all Personal Information in our possession, including information transferred to a third-party service provider or representative in order that we can provide you with insurance, a benefit or service. In some instances our employees, service providers, representative, reinsurers and any of their service providers, may be located in other jurisdictions. Your Personal Information may then be subject to the laws of those other jurisdictions, as well as the laws of the jurisdiction where you live. As a result, your information may be disclosed in response to demands or requests from government authorities, courts, or law enforcement in those countries.

We have developed and are continuing to enhance security procedures to safeguard and protect Personal Information against theft, loss, unauthorized disclosure, copying, and unauthorized use or modification. These include organizational measures such as security clearances, appropriate policies and procedures and limiting access on a “need to know” basis, and technological measures such as the use of passwords, encryption, firewalls and anti-virus software.

We will only keep your Personal Information in our records for as long as it is needed to fulfill the identified purposes, or as required or permitted by law. Personal Information that is no longer required will be destroyed, erased or made anonymous. When we destroy Personal Information, we will use safeguards to prevent unauthorized access to the information during the destruction process.

We will make all reasonable efforts to ensure that any Personal Information we collect and keep is as accurate, complete and current as required for the identified purposes. To do so, we will rely to a large extent on you to provide us with accurate information and to inform us of changes, such as changes in your contact information. You have the right to access and verify your Personal Information maintained in our files and to request that any factually inaccurate Personal Information be corrected, if appropriate.

(Quebec Residents) If a conflict arises between Federal and Quebec privacy legislation for events occurring in the province of Quebec, then Quebec privacy legislation shall prevail.

Quest, its officers, directors, employees or any persons associated with the creation of this web site, are NOT responsible in any manner whatsoever for any harm, loss or damage that may arise in connection with or through the use of this web site including, without limitation, any direct, indirect, special, third party or consequential damages, howsoever caused. By accessing and browsing this web site, visitors agree that the laws of Ontario and Canada apply to any issue that might arise with Quest regarding this site, and to settle such dispute in the courts of Ontario.