Term of use

LEGAL DISCLAIMER

Employee Care Benefits is a division of 2394260 Ontario Inc.  Employee Care Benefits requires that all visitors to the site adhere to the following Terms of Use. By accessing the site and any of its pages, you indicate your acknowledgement and acceptance of the Terms of Use set forth below without limitation or qualification. Employee Care Benefits may revise these Terms of Use at any time by updating this posting, which revisions will be binding upon all visitors to the site. You should visit this posting to review these Terms of Use from time to time. For these Terms of Use, references to Employee Care Benefits include its affiliates, directors and employees.

All products and services offered by Employee Care Benefits are only offered in jurisdictions where they may be lawfully offered for sale. For our products, we refer you to the documentation used in the particular transaction for further information. The terms and conditions contained in those documents, along with any other terms and conditions which may in the future exist between you and us shall remain in full force and effect and shall apply to the relevant product or service.

NOT OFFERING ANY FINANCIAL ADVICE SPECIFIC TO YOUR NEEDS

The information contained in the pages of this web site is of a general nature only and is not intended to provide specific financial, tax, legal or accounting advice for you. You should not act or rely on the information without first seeking the advice of professionals who can properly assess whether or not it applies to your own situation.

AVAILABILITY OF OUR PRODUCTS AND SERVICES

It is important for you to understand that not all of the products and services described in the web site are offered to or available to every member of the general public. The information is not to be construed as an offer or solicitation to buy or sell any investment or other product, service or information to anyone in any jurisdiction in which an offer or solicitation is not authorized or cannot lawfully be made or to any person or entity to which it is unlawful to make an offer.

NO WARRANTIES

The information provided in the pages of this website is for informational purposes only. Although we do our best to make sure this web site is always accessible and functioning properly, and contains accurate and up to date information, we are supplying it on an “as is” basis, without warranty of any kind, either express or implied. We cannot and do not promise that the site will always be available and meet your needs, that access will never be uninterrupted, that there will never be delays, failures, errors or omissions or loss of transmitted information, that the software we use will be compatible with your system, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your own computer system. We reserve the right to change the information, material and content found in the pages of this site, including these Terms of Use, at any time without notice, by simply updating this site. You agree to review these Terms periodically, and your continued use of this site will tell us that you have agreed to the changes.

TRADE MARKS AND COPYRIGHT

Product names, words, titles, phrases, logos, icons, certain names, logos, icons, graphics or designs or other content in the pages of the web site are trade names or trade-marks or service marks of Employee Care Benefits and our affiliates, the use of which may have been licensed to them. The display of trademarks on pages at this website does not imply that a license of any kind has been granted to anyone else. Any unauthorized downloading, re- transmission, or other copying or modification of trademarks and/or the contents herein may be a violation of federal or common law trade mark and/or copyright law(s) and could subject the copier to legal action.

All information found in the pages of this website is protected under the copyright laws of Canada and in other countries. Unless otherwise specified, no one has permission to copy, redistribute, reproduce or republish, in any form, any information found in the pages of this website.

If you are interested in establishing a link from your website to our home page, or if you wish to incorporate Employee Care Benefits, our name, or our product names within another site, please contact us for permission. Inquiries about permission should be directed to:

Employee Care Benefits
1020 Bayridge Dr. Suite #104,
Kingston, ON K7P 2S2
sales@totalemployeecare.ca

INTERNET E-MAIL

Any unprotected E-mail communication over the Internet is, as with communication via any other medium (e.g. cellular phones, post office mail), subject to possible interception or loss, and is also subject to possible alteration. If you do communicate with us by means of e-mail, we will assume, unless you advise us otherwise, that you consent to our using the information you have sent to us, including your e-mail address, for the purpose of developing and sending an appropriate response to your communication, and disclosing it to such other advisory parties as we deem appropriate for that purpose.

NO ENDORSEMENTS

Links to websites outside Employee Care Benefits are meant for convenience only. No endorsement or approval of any third parties (other than persons or entities with which Employee Care Benefits has a distribution arrangement to provide products and services), or their advice, opinions, information, products or services, is expressed or implied by any information contained on the pages of this web site, including Links to their own web sites. If you use the Links to access other Internet resources or web sites, you do so at your own risk. We do not investigate, verify, or monitor these Links.

CONFIDENTIALITY AND SECURITY

Our website supports browsers that use 128-bit encryption. Encryption is a means of scrambling information for transmission, in this case, between your PC and our computing systems. Information that is encrypted at one end is decrypted (decoded) upon receipt at the other end.

128-bit encryption is the strongest, most secure form of encryption that is generally available in Internet browsers on the market in North America today. Employee Care Benefits requires that its customers use 128-bit encryption when conducting financial transactions over the Internet.

Notwithstanding the above, Employee Care Benefits does not guarantee the confidentiality of any communications made by you via e-mail or otherwise through our websites. If you wish to provide information of a confidential or sensitive nature to Employee Care Benefits, please contact us directly by telephone at 1-877-924-4557 to arrange for delivery/transmission of such information by secure means.

PERSONALIZED OFFERS AND WEB ANALYTICS

We also automatically collect information when you visit our website in order to customize your experience. For example, we collect information about what site referred you to our website, your browser type, operating system type and version, language, and your Internet Protocol (“IP”) address. We also collect information about how you browse through our website, including logging the pages you visit and the amount of time you spend on certain pages. We use this information for a number of technical purposes to ensure that our pages load correctly in your browser, as well as to personalize our offers to you. We also use this information to improve our website. For example:

  1. we use IP addresses to correct pages for your geographical location;
  2. we log the frequency of visits to certain pages on our website and how visitors navigate through our website in order to detect problems, improve our website and learn about what products and services are of interest to our customers;
  3. we use information about products that you have clicked on to make suggestions about other products or services that you might be interested in viewing; and
  4. we track whether certain types of promotional e-mails were opened by you and whether you sought information about a particular product or service in order to make inferences about other products and services you might be interested in.

YOUR AD CHOICES: INTEREST-BASED ADVERTISING

Our website uses small pixel files (small images) and cookies (small text files) to keep track of your browser so that you will be recognized when you visit other websites where our third-party ad management providers may show you advertisements from us based on your visit to our website. Some of these advertisements may be customized to particular products and services that you viewed or they may be based on inferences about products and services that you might be interested in. This is called “interest-based advertising”.

These pixel files and cookies are generally valid for a limited number of days (usually no more than 90 days) and are provided by our ad management providers. We require our ad management providers to participate in the Digital Advertising Alliance of Canada’s Ad Choices Program. Click here [hyperlink] to visit the Digital Advertising Alliance of Canada’s Your Ad Choices website where you can find out more information about digital advertising and how you can opt-out of interest-based advertising.

Please note that if you opt-out of interest-based advertising you may still see advertisements from us on other websites. However, they will not be customized based on your browsing history on our website. In addition, we will continue to customize our offers of products and services to you when you are on our website unless you block cookies from our website.

INDEPENDENT BUSINESSES/LINKS TO THIRD PARTY SITES

From time to time, websites and communications from Employee Care Benefits and our affiliates, nominees, and third parties, which include emails, texts, chats and messages, may also include advertisements for products and services offered by independent businesses; or contain links to websites, webpages, social media, and online platforms operated by independent businesses. Employee Care Benefits and our affiliates, nominees, and third parties have no responsibility for, liability for, or control over those other websites, webpages, social media, mobile and online services; for the businesses, their products or services; or for their collection, use, disclosure or retention of your personal and other information. This Privacy Code does not apply to the collection, use, disclosure and retention of your personal information by websites, webpages, social media, mobile and online services of these independent businesses. If you have questions about how these independent businesses collect, use, disclose or retain personal information, please contact that business.

HOW DO WE PROTECT YOUR PERSONAL INFORMATION?

We take administrative, technical and physical measures to safeguard your personal information against unauthorized access, unauthorized disclosure, theft and misuse. This includes limiting access of employees to, and the use of, your personal information through the use of passwords and graduated levels of clearance. We do not publish all of our security measures online because this may reduce their effectiveness. We take physical precautions to ensure that the computer servers on which your personal information is stored and archived are secure and that access to such servers is protected. We educate our employees with respect to their obligations to protect your personal information

Although we take precautions against possible breaches of our security systems, no company can fully eliminate the risks of unauthorized access to your personal information and no website is completely secure. We cannot guarantee that unauthorized access, hacking, data loss or breaches of our security systems will never occur. Accordingly, you should not transmit personal information to us using our website if you consider that information to be sensitive.

TERMINATION

We reserve the right, in our sole discretion, to terminate your access to the site or any portion thereof, and any related services available on the site at any time, without notice.

APPLICABLE LAW

These Terms of Use will be governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein.

VIOLATIONS OF TERMS OF USE

Employee Care Benefits reserves the right to seek all remedies available at law and in equity for violations of these Terms of Use, including the right to block access from a particular Internet address to the site.

YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS EMPLOYEE CARE BENEFITS FROM ANY LIABILITY, LOSS, CLAIM AND EXPENSE, INCLUDING LEGAL FEES AND EXPENSES ON A SOLICITOR AND CLIENT BASIS RELATED TO YOUR VIOLATION OF THESE TERMS OF USE OR YOUR USE OF THE SERVICES AND INFORMATION PROVIDED AT THE SITE.

Accessibility Policy

Employee Care Benefits Accessibility Policy Statement

STATEMENT OF COMMITMENT

Employee Care Benefits is committed to excellence in serving all customers including people with disabilities and is dedicated to meeting its current and ongoing obligations under the Ontario Human Rights Code respecting non-discrimination.

We understand that obligations under the Accessibility for Ontarians with Disabilities Act, 2005 (AODA) and its accessibility standards do not substitute or limit its obligations under the Ontario Human Rights Code or obligations to people with disabilities under any other law; and we are committed to complying with both the Ontario Human Rights Code and the AODA.

Our accessible customer service policies are consistent with the principles of independence, dignity, integration and equality of opportunity for people with disabilities.

OUR MISSION:

Employee Care Benefits and its subsidiaries mission is a commitment to treating all people in a way that allows them to maintain their dignity and independence. We believe in providing a respectful, hospitable, accessible, and inclusive environment for all persons with disabilities in a manner which takes into account the person’s disability, embodies the principles of integration and equal opportunity and enhances the quality of their lives.

General Definitions (as defined by the AODA Act, 2005)

Assistive Device: a technical aid, communication device or other instrument that is used to maintain or improve the functional abilities of people with disabilities. A personal assistive device is characteristically a device(s) that members and guests bring with them such as a wheelchair, walker or a personal oxygen tank that might assist in hearing, seeing, communicating, moving, breathing, remembering and/or reading.

Barrier: anything that prevents a person with a disability from fully participating in all aspects of society because of his/her disability. This characteristically includes:

  • a physical barrier,
  • an architectural barrier,
  • an informational or communications barrier,
  • an attitudinal barrier,
  • a policy, practice and procedure barrier.

Communication Supports: may include, but are not limited to captioning, alternative and augmentative communication supports, plain language, sign language and other supports that facilitate effective communications.

Disability: means,

Any degree of physical disability, infirmity, malformation or disfigurement that is caused by bodily injury, birth defect or illness including, but not limited to:

  • Diabetes mellitus;
  • Epilepsy;
  • A brain injury;
  • Any degree of paralysis;
  • Amputation;
  • Lack of physical coordination;
  • Blindness or visual impediment;
  • Deafness or hearing impediment;
  • Muteness or speech impediment; or
  • Physical reliance of a guide dog or other animal, or on a wheelchair or other remedial appliance or device.
  • A condition of mental impairment or a developmental disability.
  • A learning disability or a dysfunction in one or more of the processes involved in understanding or using symbols or spoken language.
  • A mental disorder.
  • An injury or disability for which benefits were claimed or received under the insurance plan established under the Workplace Safety & Insurance Act, 1997.

Service Animal: In this policy, a service animal is:

  • any animal used by a person with a disability for reasons relating to the disability; or
  • where the person provides a letter from a member of the college of Audiologist, Chiropractors, Nurses, Occupational Therapists, Optometrists, Physician and/or Surgeons (Non-exhaustive), which confirms that they require the animal for reasons relating to their disability; or

Support Person: means, in relation to a person with a disability, another person who accompanies the person with a disability in order to help with communication, mobility, personal care, medical needs or access to goods and services or facilities.

ASSISTIVE DEVICES

People with disabilities may use their personal assistive devices when accessing our goods, services or facilities.

In cases where the assistive device presents a significant and unavoidable health or safety concern or may not be permitted for other reasons, other measures will be used to ensure the person with a disability can access our goods, services or facilities.

We will ensure that our staff are trained and familiar with various assistive devices we have on site or that we provide that may be used by customers with disabilities while accessing our goods, services or facilities.

COMMUNICATION

We will communicate with people with disabilities in ways that take into account their disability.

We will work with the person with a disability to determine what method of communication works for them.

PROCEDURE:

To request accommodation or assistance for any program, good or service, contact Employee Care Benefits by phone or email.

Feedback process

Employee Care Benefits encourages feedback regarding how it provides programs, goods and services to persons with disabilities. This can be provided via the following methods:

  • E-mail: sales@totalemployeecare.ca
  • Mail: 1020 Bayridge Drive, Suite 104, Kingston, Ontario, K7P 2S2
  • Phone: 1-877-924-4557
  • Fax: 1-877-926-6238

Modifications to this or other policies

Employee Care Benefits is committed to ensuring that its policies, practices and procedures are consistent with and promote the core principles of dignity, independence, integration and equal opportunity. Any policy that does not respect and promote the dignity and independence of persons with disabilities will be modified or removed.