Terms & Conditions

Terms and conditions of mkjavier.com

Please read these term of use carefully before using this website

The following terms and conditions govern and apply to your use of or reliance upon this website maintained by MAURO CERTEZA JAVIER IV.

Your access or use of the website indicates that you have read, understand and agree to be bound by these terms and conditions and any other applicable laws, statutes and/or regulations. We may change these terms and conditions at any time without notice, effective upon its posting to the website. Your continued use of the website will be considered your acceptance to the revised terms and conditions.

LICENSING

MK JAVIER/MAURO CERTEZA JAVIER IV is licensed as an insurance broker in the province of Alberta, Canada. This website is not intended as a solicitation for insurance business in any province outside the jurisdiction of the Alberta Insurance Council.

AGE RESTRICTION

You must be at least eighteen (18) years of age to use this website, or any services contained herein. Your access or use of this website indicates your representation that you are at least eighteen (18) year of age. MK JAVIER assumes no responsibility or liability for any misrepresentation of your age.

INTELECTIAL PROPERTY

All intellectual property on the website is owned by us or our licensors, which includes materials protected by copyright, trademark or patent laws. All trademarks, service marks and trade names are owned, registered and/or licensed by us. All content on the website, including but not limited to text, software, code, designs, graphics, photos, sounds, music, videos, applications, interactive features and all other content is a collective work under Canadian and other copyright laws and is the proprietary property of the Company: All rights reserved.

PRIVACY

Your use of this website is subject to our privacy policy. Your acceptance of these terms indicates your consent to the privacy policy published herein.

PRODUCTS/QUOTATION

Under no circumstances should you regard any information you may access in this Website as a recommendation, advice, or complete description of any products, service, or plan. Application for an insurance quotation through this Website does not constitute a binder of insurance coverage or the reporting of a claim. The application may be used by HUB to provide an estimate of the terms, conditions, and costs of coverage. A quotation may be subject to receipt of additional information or other conditions. Insurance coverage is provided by various insurance companies and is subject to the terms and conditions of the policies. Circumstances vary and Website visitors must carefully review their own insurance policies and consult with their insurance advisors.

DISCLAIMER OF WARRANTIES

MK Javier/Mauro Certeza Javier IV and its providers make no warranty of any kind regarding this website and/or the content. This website and content are provided "as-is". MK Javier/Mauro Certeza Javier IV expressly disclaims any representation or warranty that this website will be error-free, secure, or uninterrupted. MK Javier/Mauro Certeza Javier IV further disclaims any warranty as to the accuracy, adequacy, completeness or timeliness of any of the content on this website, and further expressly disclaims liability resulting from or arising out of any errors or omissions contained in the information or materials accessed on or through this website. MK Javier/Mauro Certeza Javier IV and its providers expressly disclaim all warranties and conditions, including implied warranties and conditions of merchantability, fitness for a particular purpose, title, non- infringement, freedom from computer virus and those arising by statute or otherwise in law or from a course of dealing or usage of trade. Some jurisdictions do not allow the disclaimer of implied warranties, so this warranty disclaimer may not apply in whole or in part to you.

LIMITATION OF LIABILITY

MK Javier/Mauro Certeza Javier IV and its providers will not be responsible or liable for (a) any damages to or viruses that may infect your computer equipment or other property as the result of your access to, use of or browsing in this website or your downloading of any content or (b) any injury, loss, claim, damage, or any special, exemplary, punitive, indirect, incidental or consequential damages of any kind (including without limitation lost profits or lost savings), whether based in contract, tort, strict liability or otherwise, that arises out of or is in any way connected with (i) any use of this website or the content found therein, (ii) any failure or delay (including without limitation the use of or inability to use any component of this website to submit applications for insurance products or services), or (iii) the performance or non-performance by us or any provider, even if we have been, or a provider has been advised, of the possibility of damages to such parties or any other party. This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortious behavior, negligence, or under any other cause of action.

AFFELIATE MARKETING AND ADVERTISING

MK Javier/Mauro Certeza Javier IV, through the website and its services, may engage in affiliate marketing whereby we receive a commission on or percentage of the sale of goods or services on or through the website. MK Javier/Mauro Certeza Javier IV may also accept advertising and sponsorships from commercial business or receive other forms of advertising compensation.

INDEMNIFICATION

You defend and indemnify MK Javier/Mauro Certeza Javier IV and any of its affiliates and hold us harmless against any and all legal claims and demands, including reasonable attorney’s fees, which may arise from or relate to you use or misuse of the Website, your breach of theses terms and conditions, or your conduct or actions. We will select our own legal counsel and may participate in our own defence, if we wish to do so.

SERVICE INTERRUPTIONS

We may need to interrupt your access to the website to perform maintenance or emergency services on a scheduled or unscheduled basis. You agree that your access to the website may be affected by unanticipated or unscheduled downtime, for any reasons, and that MK Javier/Mauro Certeza Javier IV will have no liability for any damage or loss caused as a result of such downtime.