Please read these terms of use carefully. By accessing this site and any pages hereof, you agree to be bound by these terms of use. The content on this site, including these terms of use, is subject to change without notice.
The https://JSCP.com website and all of its content (collectively, the “website” or “site”) is provided by J. S. Cheng & Partners Inc. (“JSCP,” “we,” “us” or “our”) and is subject to the terms set forth herein. If you (“client,” “you,” and “your“) visit our site, you agree to be bound by these Terms of Use. Do not continue to use the website if you disagree with all the terms stated on this page.
All terms refer to the offer, acceptance, and consideration of payment necessary to undertake the process of our assistance to the Client most appropriately for the express purpose of meeting the Client’s needs in respect of the provision of JSCP’s stated services, in accordance with and subject to, prevailing law of Canada. Any use of the above terminology or other words in the singular, plural, capitalization, and/or he/she or they are taken as interchangeable and, therefore, as referring to the same.
Privacy
JSCP does not sell, give, or trade its customer list, prospect list, or mailing lists to any person or company other than JSCP’s parent company, Valani Global Inc., or its other subsidiaries. For additional details on the use of personal data, please refer to our Privacy Policy.
Changes or Discontinuance
JSCP reserves the right to change these Terms of Use at any time. Any modifications to these Terms of Use will be effective upon posting. It is your responsibility to check for any changes to the terms of use periodically. Your continued use of the site after posting any revised Terms of Use will constitute acceptance of the modified Terms of Use.
JSCP reserves the right to modify or discontinue the website or any of its content at any time and for any reason without notice to you. We shall not be held liable for any consequence resulting from our decision to modify or discontinue the website or any content thereof.
Services
JSCP is a company that provides actuarial services to all property and casualty insurance (“P&C”) and related businesses. Our website may provide information about our services. Our services are subject to change without notice, so please contact us for our latest offerings.
We may collaborate with companies other than our parent company to provide services to our clients. Still, such collaboration does not create a joint venture or partnership between JSCP and those companies.
Copyrights and Trademarks
All content on this site is the proprietary information and exclusive property of JSCP or its licensors and is protected by applicable copyright laws. All rights not expressly granted are reserved. JSCP® is the sole owner of its registered trademarks and service marks, including the JSCP name, logo, and any associated design or slogan. Any use of these marks without prior written permission from JSCP is strictly prohibited. All other products and company names are the property of their respective owners.
Authorized Use
JSCP grants you a non-exclusive, non-transferable license to access and use the website solely for your personal, non-commercial use, subject to the Terms of Use set forth herein. You agree to comply with these Terms of Use by accessing or using this website.
You agree not to interfere with others’ use of the site, attempt unauthorized access, or do anything that could harm the site’s security or functionality. You further agree not to take any action in connection with your use of the site which (i) violates any applicable laws or regulations, or (ii) infringes, violates, or otherwise misappropriates the intellectual property or other rights of any third party (including any moral right or privacy right).
You agree not to use any robot, spider, or other automatic device, manual process or application, or data mining or extraction tool to access, monitor, or copy the site or its contents. You will not use the site or its contents (including any contact information listed on the site) to send unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam” (including any unauthorized commercial electronic messages), “chain letters,” or any form of solicitation to any person. You also agree not to take any other action that imposes an unreasonable or disproportionately large load on the site.
Except as expressly provided herein, you may not use, download, upload, reproduce, copy, duplicate, print, display, perform, republish, sell, license, post, broadcast, perform, transmit, disseminate, redeliver using “framing technology,” otherwise distribute, or commercially exploit in any way, the site or any portion thereof or any information or content on the site, without the prior written permission of JSCP.
The website allows you to email JSCP. While JSCP has a Privacy Policy in place, you understand that JSCP does not guarantee confidentiality concerning any information you submit by email through the website. Email is not a secure form of communication, and sensitive information should not be sent this way. You are solely responsible for the information you provide by email through the website and acknowledge that JSCP is not liable for your losses caused by any unauthorized use of your data.
You agree that you will not authorize or assist any third-party to do anything described in this section.
Third-Party Links
Our website may contain links to third-party sites not under our control. JSCP is not responsible for any damages, claims, or other liability arising from or related to your use of any third-party website. Your use of third-party sites is at your own risk, and you waive any claims against JSCP pertaining to these sites. We recommend reviewing their terms and policies.
Hyperlinking To Our Content
We permit hyperlinks to our homepage, provided they don’t misrepresent us or violate any laws or rights. The linking site should have a user data protection policy comparable to ours. We may revoke this permission at any time and demand hyperlink removal. No use of our logos or marks is permitted without written consent.
Certain organizations, such as government agencies, search engines, and news organizations, can link to our site without prior approval, provided they uphold a positive reputation, and their link adds value to our users without misrepresenting us or our endorsements.
Press members may cite portions of text or graphics, provided they credit “Source: JSCP” and affix the JSCP copyright notice: “Copyright © 2023, JSCP”.
We reserve the right to deny or revoke link requests. Link requests should be sent to us, including your name, organization name, contact information, site URL, and the URLs you intend to link to our site.
Approved organizations can link to us using our corporate name, URL, or a relevant description within the context of their site. The use of our logo for linking requires a trademark license agreement.
We reserve the right to deny or revoke any link request at any time for any reason. Please contact us if you would like to request a link to our website.
As per the Terms of Use, approved organizations may link to JSCP’s website using the corporate name, the URL, or any other website description that makes sense within the context and format of the linking party’s site.
We will approve link requests from these organizations if we decide that: (a) the link would not make us look unfavorably to ourselves or to our accredited businesses; (b) the organization does not have any negative records with us; (c) the benefit to us from the visibility of the hyperlink compensates the absence of JSCP; and (d) the link is in the context of general resource information.
These organizations may link to our home page so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.
If you are one of the organizations listed above and are interested in linking to our website, you must inform us by sending an email to JSCP. Please include your name, your organization name, and contact information, as well as the URL of your site, a list of any URLs from which you intend to link to our website, and a list of the URLs on our site to which you would like to link. Wait 2-3 weeks for a response.
Approved organizations may hyperlink to our website as follows:
- By use of our corporate name; or
- By use of the uniform resource locator being linked to; or
- By use of any other description of our website being linked to that makes sense within the context and format of content on the linking party’s site.
No use of JSCP’s logo or other artwork will be allowed for linking absent a trademark license agreement.
Reservation of Rights
We reserve the right to request that you remove all links or any particular link to our website. You approve of immediately removing all links to our website upon request. We also reserve the right to amend these terms of use and its linking policy at any time. By continuously linking to our website, you agree to be bound to and follow these linking terms of use.
iFrames
Without prior approval and written permission, you may not create frames around our web pages that alter the visual presentation or appearance of our website.
Indemnification
You agree to indemnify and hold the JSCP Party harmless from and against any and all damages, liabilities, actions, causes of action, suits, claims, demands, losses, costs, and expenses of any nature whatsoever (including, without limitation, reasonable legal fees, disbursements, and court costs) arising from or in connection with (i) your use of the JSCP website or services, including any content contained, displayed or available therein; (ii) your violation of these Terms of Use; and/or (iii) your violation of any rights of any third party. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. In this event, you agree to provide us with any such assistance and cooperation in asserting any available defenses as we may reasonably request.
Disclaimers
The content contained on the JSCP website is provided for promotional purposes only and should not be construed as professional advice or services. The content on this site, including text, graphics, links, or other items, is provided “as is” and “as available.” JSCP does not warrant the content’s accuracy, adequacy, or completeness and expressly disclaims liability for errors or omissions in such content. No warranty of any kind, implied, express, or statutory, including but not limited to the warranties of non-infringement of third-party rights, title, merchantability, fitness for a particular purpose, and freedom from computer virus, is given in conjunction with the content contained on this site. Hyperlinks to other internet resources are at your own risk; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by JSCP.
YOUR RELIANCE ON THE CONTENT ON THE WEBSITE IS AT YOUR OWN RISK.
JSCP, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY DAMAGES, LOSSES, OR EXPENSES, WHETHER DIRECT, INDIRECT, SPECIAL, PUNITIVE, EXEMPLARY, INCIDENTAL, OR CONSEQUENTIAL, BASED ON ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH:
- THE USE OF THE CONTENT ON THIS SITE OR ANY CONTENT ON A LINKED WEBSITE;
- THE INABILITY TO USE ANY SUCH CONTENT; OR
- ANY FAILURE OF PERFORMANCE, ERROR OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, OR LINE OR SYSTEM FAILURE,
- INCLUDING BUT NOT LIMITED TO ANY UNAUTHORIZED ACCESS TO OR USE OF JSCP’S SERVERS AND/OR ANY AND ALL INFORMATION STORED THEREIN WITHOUT LIMITING THE GENERAL NATURE OF THE PREVIOUS STATEMENTS,
IN NO EVENT SHALL JSCP BE LIABLE FOR ANY DAMAGE RESULTING FROM THE WEBSITE OR ANY CONTENT POSTED THEREON, WHETHER PURSUANT TO WARRANTY, CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR ANY OTHER THEORY, INCLUDING WITHOUT LIMITATION DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT, EXEMPLARY, SPECIAL, LOST PROFITS, FINES, FEES, PENALTIES AND AGGRAVATED OR PUNITIVE DAMAGES, WHETHER OR NOT SUCH DAMAGES WERE FORESEEABLE AND EVEN IF JSCP WAS ADVISED THAT SUCH DAMAGES WERE LIKELY OR POSSIBLE.
Governing Law and Jurisdiction
These Terms of Use of the JSCP website shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without giving effect to any conflict of laws principles. Any action arising out of these Terms of Use or your use of the website shall be brought exclusively in the courts of Toronto, Ontario, and you irrevocably consent to the exclusive jurisdiction of such courts.
You may not assign or transfer these Terms of Use or any of the rights or obligations herein to any third party without the prior written consent of JSCP. JSCP may assign these Terms of Use or any of its rights or obligations hereunder at any time without notice to you. JSCP’s failure to enforce any provision of these Terms of Use shall not be construed as a waiver of its right to enforce such provision or any other provision hereunder.
If any provision of these Terms of Use is deemed to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity or enforceability of any remaining provisions.
These Terms of Use, together with any additional terms to which you agree when using particular elements of the site, constitute the entire agreement between you and JSCP with respect to the use of the site and supersede any prior or contemporaneous communications and proposals (whether oral, written, or electronic) between you and JSCP with respect to the site.
Contact Information
© J. S. Cheng & Partners Inc.
1500 Don Mills Road, Suite 706
Toronto, Ontario, M3B 3K4, Canada
Last Updated: 12 June 2023