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Terms & Conditions and Privacy Policy

Terms & Conditions and Privacy Policy

The Investigators Group Inc. ("IGI") has been providing investigation services to individuals, corporations and the legal, insurance and risk management industry since 1995. We are committed to the highest ethical standards both as to the accuracy and careful treatment of personal information that comes into our possession and as part of the services we render to our clients.

Terms and Conditions for Website Use

IGI provides information and services through this website ("Website") and access to and use of this Website are provided to you subject to your acceptance of and compliance with the following terms and conditions ("Terms").  By accessing this Website, you acknowledge that you have read accepted, and agreed to these Terms and agree to be bound by them.  IGI reserves the right to change these Terms at any time without prior notice and your continued access or use of this Website after such changes indicates your acceptance of the Terms as modified.

Information on this Website

This Website is provided for general information and is not intended as specific legal or professional advice.  This Website and the information are provided “as is” and IGI disclaims all responsibility for any information, and for any losses or expenses resulting from their use or appearance on this Website.  If you provide feedback or testimonials, you grant IGI a non-exclusive, royalty-free, perpetual, irrevocable, and fully sub-licensable right to use and commercialize the feedback or testimonial in any way and for any purpose without providing any compensation to you or any other person. You also grant IGI the right to use the name you submit with the feedback or testimonial, if any, in connection with IGI's rights hereunder.

Trademarks and Copyrights

The Investigators Group and design, IGI and Investigative Solutions are trade-names and/or trade-marks of The Investigators Group Inc.  Nothing in these Terms or on this Website will be construed as granting or conferring, either expressly, by implication, by estoppel or otherwise, a licence or other right to you to use any such marks or names or any other intellectual property right of IGI. The names of other companies, products and services referred to on this Website may be trade-marks or trade-names of their respective owners. Any unauthorized use of the trade-marks or trade-names of IGI or of third parties is strictly prohibited.

The materials provided on this Website including, without limitation, all portions of this Website, content, brochures, documents, site design, text, graphics and the selection and arrangement thereof, are protected by copyright. All rights reserved. Title to the materials remains with IGI and any unauthorized use of such materials is strictly prohibited. IGI reserves the right to take such steps as it deems necessary, including legal action, to enforce its rights under trade-mark and copyright law.

The content of this Website is protected by copyright. ©2016 The Investigators Group Inc.

Hyperlinks

Hyperlinks on this Website are provided for your convenience only. These links do not imply an endorsement of any linked sites or an affiliation with their owners or operators. IGI has no control over the content of any linked site. This content is the sole responsibility of the owner or operator of the linked site.

No Liability for use of this Website

Neither IGI, its affiliates, nor any of their respective employees, agents, contractors, officers, directors or third party service providers or partners (collectively, "Company Parties") make any warranty or condition of any kind, whether express or implied, regarding this Website or the information and services and Company Parties specifically disclaim the implied warranties and conditions of merchantable quality, fitness for a particular purpose and non-infringement of third party rights, to the maximum extent permitted by law.

All information contained herein is obtained by IGI from sources believed by IGI to be accurate and reliable. Because of the possibility of human and mechanical error as well as other factors, neither the Company Providers nor the author(s) and other information providers are responsible for any errors or omissions. No representation or warranty is provided for any software that may be downloaded from this Website. WE WILL NOT BE LIABLE FOR ANY DAMAGES, LOSSES, COSTS, CLAIMS OR EXPENSES (INCLUDING DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES) ARISING FROM THE USE OR INABILITY TO USE THIS WEBSITE OR THE WEBSITE INFORMATION, OR AN ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY, COMPUTER VIRUS, SYSTEM FAILURE, LOSS OF DATA OR OTHERWISE. THE FOREGOING DISCLAIMER SHALL APPLY REGARDLESS OF THE CAUSE OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER CAUSE OF ACTION WHATSOEVER, EVEN IF THE INVESTIGATORS GROUP INC. HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS PROVISION SHALL SURVIVE THE TERMINATION OF YOUR RIGHT TO USE THIS WEBSITE.

You agree to indemnify the Company Parties against any losses, damages, claims, expenses and costs incurred by the Company Parties as a result of your breach of these Terms or your use of this Website.

General

Except where prohibited by the laws of your jurisdiction, this Website will be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to the principles of conflicts of law.  This provision shall survive the termination of your right to use this Website.

These Terms, the Privacy Policy and all other notices, policies and statements contained on this Website (all as may be amended by IGI from time to time without prior notice) constitute the entire agreement between IGI and you. These Terms cannot be modified except as described herein. Anything in this Website inconsistent with these Terms is superseded by these Terms. No waiver of any of these Terms will be deemed a further or continuing waiver of such Term or any other Term.

Privacy Policy

IGI gathers personal information only in connection with retainers received from clients and our staff have been trained to treat personal information carefully and with respect.

Why The Investigators Group Collects and Discloses Personal Information

The Investigators Group collects and discloses personal information to enable our instructing principals to satisfy themselves with respect to issues relevant to their personal or corporate needs. It also includes collecting and disclosing personal information about third parties with respect to claims made against these clients.

The Kinds of Personal Information The Investigators Group Collects

The type of information The Investigators Group collects depends upon the type and nature of the investigation required. This may include previous claims history, financial, medical health or employment information. We may seek validation information from retailers, wholesalers and suppliers of goods and services. In appropriate cases we may also seek information from authorities such as the Ministry of the Environment, Ministry of Labour, Office of the Fire Marshal, Police and Fire Services, Municipalities, Towns and Cities.

How The Investigators Group Obtains Personal Information

In most cases, personal information is collected directly from the client or their agents or a third party making a claim against our principal.

Personal information may also be collected from involved parties such as public officials (Fire Department, Police, Office of the Fire Marshal) witnesses, other private investigators, credit bureaus, title searchers and the like. The organizations with which we deal are subject to their own privacy codes and we respect those codes.

In some cases, The Investigators Group, or those we entrust with specific services, will infer such consent where appropriate. If an instructing principal tells The Investigators Group that they have consent to collect information, we will rely on that instructing principal's advice. Consent may not be obtained with respect to the collection of certain publicly available information. If information is collected with respect to an investigation involving a suspected breach of contract (or other agreement) or breach of Canadian law, then consent may not be obtained.

The Investigators Group Disclosure of Personal Information

The Investigators Group discloses personal information, including to its affiliated companies, only for the reasons listed above or if required to do so by law. The majority of information is disclosed or transferred solely to our instructing principals. However, in order to collect the information required by our principals, we may disclose personal information to third party service providers. This would include (and is not limited to) insurer's, insurance brokers, insurance adjusters, automobile repair companies, contractors, construction companies, investigators, engineers, accountants, lawyers, and others. We may also disclose personal information to authorities with jurisdiction such as Fire Departments, Fire Marshals, Police and other Federal, Provincial or Municipal authorities for the purposes of verifying the circumstances surrounding a breach of agreement or a breach of a law. We obtain consent to disclosure when required. Consent may also be inferred where appropriate. If an instructing principal advises us that they have their client's consent to disclose information, we will rely on our instructing principals advice. Where The Investigators Group discloses personal information to an approved investigative body (such as the Insurance Crime Prevention Bureau) or when we believe that the information relates to the breach of an insurance policy or other agreement or Canadian law, or where we are required by law to disclose the information, consent may not be obtained. Similarly, if personal information is disclosed to a lawyer for claims purposes or to obtain legal advice, consent may not be obtained.

How The Investigators Group Ensures the Security of Personal Information

Personal information recorded in documents is securely stored at The Investigators Group's offices and its employee's offices in Canada and at offices of The Investigators Group affiliated companies. Electronically recorded information is stored on computer systems maintained by The Investigators Group and affiliated companies. These computer systems and the information stored in them are protected by electronic security systems. The Investigators Group and its affiliated companies restrict access to personal information and our employees, contractors and representatives are under obligation to access personal information only when they have a legitimate business need to do so. The Investigators Group employees receive training with respect to proper personal information handling practices and they are under obligation to comply with the privacy laws, this policy and related codes of conduct. The Investigators Group’s compliance with appropriate personal information practices and privacy laws is overseen by and is the responsibility of our Privacy Officer.

Accuracy and Access to Personal Information

The Investigators Group is committed to the accuracy and completeness of its personal information it uses or discloses to its instructing principals. Upon written request and subject to the following (and any other reasonable conditions which may be necessary) we will provide reasonable access to personal information exclusively to the individual to whom it refers. We will not provide access in any of the following circumstances: If doing so would likely reveal personal information about a third party; If the information is subject to solicitor-client privilege; If revealing the information would reveal confidential commercial information; If revealing the information could affect the security of another person; If the information relates to the actual or suspected breach of an insurance policy or other agreement or the breach of a Canadian law, or; If the information was generated in the course of a formal dispute resolution process; Where The Investigators Group is acting as agent another instructing principal where that principal has the responsibility to respond to access to personal information.

Amendments

The Investigators Group may amend this policy from time to time at its discretion. A current version of this privacy policy is available on The Investigators Group main web site at www.investigators-group.com.

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© 2016 The Investigators Group Inc.