Protection of Information
Texts and illustrations placed online at AlbertaInsurance.com are, and
at all times remain, the intellectual and legal property of the publishers,
unless expressly indicated to the contrary in the text, and may not
in any circumstances be resold without the express consent of the publishers.
Texts presented on AlbertaInsurance.com may however be quoted, provided
that the source (Koester Realty Limited 1963 o/a Koester Insurance Services
) through their website URL (www.AlbertaInsurance.com) are clearly indicated
as such or given as hypertext links.
All content on this site is protected by copyright. For further details,
please read the section "Copyrights & Trademarks" in our
Privacy & Legal Statement.
Koester Realty Limited 1963 o/a Koester Insurance Services requires
that all the visitors to this site abide by the terms and conditions
described in our Privacy & Legal Statement. By accessing the site
you indicate your acknowledgment and acceptance of these terms and conditions.
Koester Realty Limited 1963 o/a Koester Insurance Services may at any
time revise these Terms and Conditions by updating this posting. Users
agree to be bound by such revisions, and should periodically revisit
this page to review the current Terms and Conditions. By accessing the
site you indicate your acknowledgment and acceptance of these Terms
and Conditions.
Privacy Statement
Doing business with an insurance broker involves providing information
about yourself, whether you are requesting a quote, purchasing a policy,
revising your policy or seeking advice. Insurance is to a great extent
based on a foundation of trust between you, your insurance broker and
the insurance companies. We want you to know that you can always trust
Koester Realty Limited 1963 o/a Koester Insurance Services to handle
information responsibly.
We use as a guideline the Code of Conduct legislated under the Registered
Insurance Brokers Act with respect to the use of your personal information.
Information obtained in the course of our professional relationship
concerning your business and affairs is kept strictly confidential and
released only if you authorize it, or the law requires it or we need
it to transact business on your behalf.
The law may require us to disclose
certain information about you to others without your specific authorization.
There are also circumstances in which your consent to disclose information
is deemed to have been given either expressly or implicitly. We might,
for example, need to release your information:
• To insurance support organizations for the purpose of preventing or
detecting fraudulent transactions
• To claims adjusters for the purpose of settling a claim
• To law enforcement or regulatory agencies
The above are only examples. Generally, such disclosures are made only
rarely, or not at all. It is our practice to provide only as much information
as is reasonably necessary to accomplish the intended purpose.
False or Misleading Information
If we are provided with false or misleading
information, you may not receive proper advice, coverage, products or
service. False or misleading information may also result in certain
coverage and policies being cancelled or voided, and could result in
a claim for coverage being denied.
If You should have any Concerns
At Koester Realty Limited 1963 o/a Koester Insurance Services, we pride
ourselves on the level of individual service we provide to our clients.
If you do have a concern or complaint, please contact us. We are committed
to working with you to resolve concerns or complaints. In most cases,
a situation is resolved simply by discussing it with us.
Terms and Conditions
The materials and information on this site are provided "as is,"
and without warranties of any kind, either expressed or implied.
Laws and Regulations
User access to and use of the site are subject to all applicable laws
and regulations.
Product Availability
The products and services referred to on this Web site are
currently offered only in Alberta,
Canada.
Content
Information provided by Koester Realty Limited 1963 o/a Koester
Insurance Services and other sources on this Web site is believed to
have been accurate and reliable when placed on the site, but we cannot
guarantee that it is accurate or complete or current at all times. The
information on this Web site is for information purposes only. It is
not intended to provide financial, legal, accounting or tax advice and
should not be relied upon in that regard.
Software Quality
Koester Realty Limited 1963 o/a Koester Insurance Services 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.
Hyperlinks
Koester Realty Limited 1963 o/a Koester Insurance Services cannot guarantee
that any hypertext links (hyperlinks) provided will be accurate at the
time of your access. Any such hypertext link is entirely independent
of Koester Realty Limited 1963 o/a Koester Insurance Services. Therefore
shall not in any manner be construed as reflecting upon or indicating
any affiliation with, or endorsement of, such site or entity or its
respective products, services or contributions to this Web site. We
cannot and do not monitor the sites linked to our pages on the internet.
Accordingly, Koester Realty Limited 1963 o/a Koester Insurance Services
assumes no responsibility for the content of any sites referenced by
any hyperlink or otherwise. Koester Realty Limited 1963 o/a Koester
Insurance Services believes that making a hyperlink available to publicly
accessible web pages and news groups is legally permissible and consistent
with common, customary expectations of those who make use of the internet.
Copyrights & Trademarks
Trademarks, logos and service marks ("marks") displayed on
the site are the property of Koester Realty Limited 1963 o/a Koester
Insurance Services, ING/Western Union, Economical Mutual Insurance Company
and the Wawanesa Mutual Insurance Company.
Certain names, words, titles, phrases, logos, icons, graphics
or designs in the pages of the Web site may constitute trade names,
registered or unregistered trademarks or service marks of third parties,
and used under license. The display of trademarks on pages at this Web
site does not imply that any license has been granted to any third party.
Users are prohibited from using any such marks without the written permission
of Koester Realty Limited 1963 o/a Koester Insurance Services or such
third entities which may own the marks. All content on the site is protected
by copyright. Users are prohibited from modifying, copying, distributing,
transmitting, displaying, publishing, selling, licensing, creating derivative
works or using any content on the site for commercial or public purposes.
Permission is granted to print copies of information provided, and to
display and use this information with a computer solely for personal
use.
Limitation of Liability
Koester Realty Limited 1963 o/a Koester Insurance Services completely
disclaims all liability, whether based in contract, tort, strict liability
or otherwise, for the use of the information contained on this site
by any user, including any losses, damages, lawsuits, claims or expenses
incurred as a result of using this information.
Further, and without limiting the generality of the foregoing,
in no event shall Koester Realty Limited 1963 o/a Koester Insurance
Services (AlbertaInsurance.com) be liable for any direct, indirect,
incidental, consequential or special damages arising out of the use
of the information herein, or in any way connected with access to or
use of the Web site, even if they have been advised of the possibility
of such damages.
Changes to Terms and Conditions
Koester Realty Limited 1963 o/a Koester Insurance Services reserves
the right to revise these Terms and Conditions at any time and users
are deemed to be informed of and bound by any changes to these Terms
and Conditions.
Violations of Terms and Conditions
Koester Realty Limited 1963 o/a Koester Insurance Services reserves
the right to seek all remedies available at law and in equity for violations
of these Terms and Conditions, including the right to block access from
a particular internet address to the site.