The term "HB Group" shall mean HB Group Insurance Management Ltd., and any of its related, affiliated and subsidiary corporations including without limitation Co-operators General Insurance Company and COSECO Insurance Company, and includes the insurance programs marketed under various trademarks.
THE MATERIAL AND INFORMATION IN THIS SITE AND IN THE SITES OF OTHER ENTITIES OF HB GROUP ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. HB Group disclaims all warranties, express or implied, including, without limiting the generality of the foregoing, all warranties of merchantability and fitness for a particular purpose.
It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page set up by an entity of HB Group is distributed with the understanding at the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters and accordingly assume no liability whatsoever in respect to your personal situation.
HB Group completely disclaims all liability for the use of the information contained on this site by any user, including any losses, damages, lawsuits, claims or expenses anyone may incur as a result of using this information. Further, and without limiting the generality of the foregoing, in no event shall HB Group be liable for any direct, indirect, special, incidental or consequential damages arising out of the use of the information herein.
Copyright/Protection Unless otherwise noted, the graphic images, button, layout and text contained in this Web site and in sites of other companies of The Co-operators are the exclusive property of HB Group and may not be copied or distributed, in whole or in part, without the express written consent of HB Group. Permission is granted to print copies of this document, and to display and use this document with a computer solely for personal use.
Hyperlink HB Group cannot guarantee that any Hyperlink set out on the sites will be accurate at the time of your access. Moreover, the sites pointed at by a Hyperlink are developed and possibly maintained by persons over whom HB Group has no control. We cannot and do not monitor the sites linked to our pages on the Internet. Accordingly, HB Group assumes no responsibility for the content of any sites referenced by any Hyperlink or otherwise.
Data protection HB Group has the right, but not the obligation, to monitor any transmission made to or for this Web site.
Software quality HB Group does not warrant that any information, software or other material accessible through one of their Web pages is free of viruses, worms, Trojan horses or other harmful component.