Disclaimer
In order to provide you with the information that you need from this Site please read the following conditions carefully.

Binding of coverage
All additions, deletions and changes to coverage must be confirmed by a licensed broker verbally or in writing. Use of email, voice mail or other means of notification does not constitute notification of changes to and binding of coverage. Only your broker can confirm that coverage is in place.

Available only where permitted by law
The insurance services, products and information described in this web site may not be available in all regions of Canada, or to persons who are residents of jurisdictions outside of Canada. Newman Oliver & McCarten Insurance Brokers Ltd. insurance services are only available in jurisdictions where they may be legally provided.

Information Accuracy
The information and contents of this web site are provided strictly for your convenience and we believe that it was accurate when it was placed on the Site. However, this information is subject to change and update at any time without prior notice. Consult a Newman Insurance representative for complete and up to date information about our products and services. The information in this Site is not intended to provide you with financial, insurance or other advice, and Newman Oliver & McCarten Insurance Brokers Ltd. shall not be held responsible for any detrimental reliance you place on this Site or its content. Use of this web site shall be on an "as is" basis and entirely at your own risk.

Privacy and Security
Please keep in mind that complete privacy, confidentiality and security are not yet possible over the Internet. As a result, Newman Oliver & McCarten Insurance Brokers Ltd. shall not be responsible or liable for any harm or loss resulting from use, communication or transmission of any information to/from this web site.

No Liability
Newman Oliver & McCarten Insurance Brokers Ltd., its affiliated companies, its officers, directors, agents or employees, or any other person associated with the creation of this Site, shall not be liable or responsible for any harm, loss or damage (whether arising in contract, tort, negligence, or otherwise) that may arise in any connection with use of this Site, including any direct, indirect, special, third party, or consequential damages.

Links Are Not Endorsements
Other World Wide web sites that may be accessed from this web site by hypertext links, are entirely independent of this web site and shall NOT, in any manner, be construed as any reflection on, or any affiliation with, or endorsement of, such site, or entity, or its respective products or services. We value your visit to our site and should you have any questions about this Site, these conditions, or products and services, please contact us.