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Legal
Terms & Conditions of Use
PLEASE
READ THESE TERMS OF USE AND LEGAL DISCLAIMER CAREFULLY BEFORE USING THIS
SITE. BY USING THE SITE, YOU SIGNIFY YOUR AGREEMENT TO THESE TERMS OF USE. IF
YOU DO NO AGREE TO THESE TERMS OF USE, PLEASE DO NOT USE THIS SITE.
- Expat FinancialTM, SM, ExpatFinancial.comTM, SM,
TFG Global Travel InsuranceTM, SM, GlobalTravelInsurance.comTM,
SM, TFG Global Insurance Solutions Ltd.TM, SM, TFGTM,
SM and Travel Insurance Now.com and the Expat FinancialTM, SM, TFG Global Travel
InsuranceTM, SM and TFG Global Insurance Solutions TM, SM
web sites (the "Web Sites") are owned and operated by TFG Global
Insurance Solutions Ltd. ("TFG"). No material from the Web Sites may
be copied, reproduced, down loaded, uploaded, modified, sold, displayed
published, republished, posted, transmitted distributed, incorporated into
another work or otherwise dealt with or exploited except as expressly
authorized by TFG in writing. Without limiting the foregoing, any use or
modification of the content of the Web Sites is strictly prohibited. Notwithstanding
the foregoing, visitors to the Web Sites may print or download the
information contained on the Web Sites for their own personal and
non-commercial use only and on the condition that they indemnify and hold
harmless David G. Tompkins and TFG from and against all manner of claims,
suits, demands, damages, costs, and consequences of such use. These
terms and conditions may be updated by TFG from time to time without notice
to you.
- The information and content contained in the Web Sites is intended for
general informational purposes only. It is not intended to constitute,
insurance, legal , financial, tax or any other professional advice or
services. You should consult a qualified professional advisor before making
any decision relating to the information contained in the Web Sites.
- Much of the information contained on the Web Sites has been compiled from
third party sources. Accordingly, TFG makes no representation or warranty
concerning the accuracy of the information and content contained in the Web
Sites. The information and content is provided strictly on an "as
is" basis. TFG expressly disclaims all warranties whether express,
implied or statutory, to the greatest extent permissible by law, including,
but not limited, all warranties of accuracy, completeness, merchantability,
performance, and fitness for a particular purpose. All information
should be verified directly with TFG prior to your acting in reliance upon
it.
- DAVID G. TOMPKINS AND TFG EACH HEREBY EXPRESSLY DISCLAIM FOR THEMSELVES
AND THEIR RESPECTIVE EMPLOYEES, SUCCESSORS, HEIRS, AFFILIATES AND AGENTS,
ANY AND ALL LIABILITY FOR ANY DAMAGES OR LOSS SUFFERED BY YOU, OR BY ANY
OTHER PERSON, AS A RESULT OF YOUR USE OF THE INFORMATION AND CONTENT
CONTAINED ON THE WEB SITES INCLUDING, BUT NOT LIMITED TO, ANY CONSEQUENTIAL,
SPECIAL, PUNITIVE, EXEMPLARY AND GENERAL DAMAGES WHETHER OR NOT THEY HAVE
BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
- All links between the Web Sites and other sites are owned, managed and
maintained by independent third parties. As such sites are outside of the
control of TFG, TFG makes no representations or warranties regarding the
accuracy, completeness or any other aspect of the content of such sites or
the advertising, services or products offered or sold by way of such sites.
Furthermore, TFG does not endorse such sites nor any advertising, services
or products offered by way of such sites. You further agree that TGF is in
no way responsible for the content or availability of such sites. YOU
EXPRESSLY AGREE THAT TFG WILL IN NO WAY, DIRECTLY OR INDIRECTLY, BE LEGALLY
LIABLE FOR ANY CONTENT, ADVERTISING, PRODUCTS, SERVICES OR OTHER MATERIALS
AVAILABLE ON OR BY WAY OF SUCH SITES, NOR FOR ANY LOSS OR DAMAGES RESULTING
FROM OR RELATED TO SUCH CONTENT, ADVERTISING, PRODUCTS, SERVICES OR OTHER
MATERIALS OR YOUR USE THEREOF OR RELIANCE THEREON.
- Nothing contained in the Web Sites should be construed as a solicitation,
offer to sell or contract of any kind. Purchasers of insurance products
should check their local laws before buying any insurance product.
- Complete details of the benefits and plans available through TFG are
contained in the policies, schedules and endorsements of the particular
plans and can be obtained from TFG without charge upon request.
- You agree to direct all inquiries regarding claims under policies arranged
by TFG to the insurance company that issued your policy.
All contracts
& claims are negotiated directly between the client and the insurer or
administrator wherever applicable.- Some of the products and services described or advertised
on this site may not be available to residents of certain jurisdictions,
depending on regulatory constraints, including Canada and the U.S. Please
contact Expat Financial sm
for more information about your specific jurisdiction. The international coverage is NOT
available to residents in British Columbia.
- All Premiums must be sent directly to the insurer and
payable directly to the insurer. Your insurance contracts are with the
insurer, not Expat Financial or TFG Global Insurance Solutions Ltd.
- Note that we reserve the right to refuse to provide a
quote - a reason for not quoting is not required to be provided.
- The information contained in this website is not
intended to be an offer to sell or a solicitation in connection with any
product or service by TFG Global Insurance Solutions Ltd., in any jurisdiction
where such an offer or solicitation would be unlawful or in which TFG Global
Insurance Solutions Ltd. is not qualified to do so. Products and services
described in this website may not be available in all jurisdictions. The
information contained in this website is not intended to be a complete
description of all terms, exclusions and conditions applicable to the products
and services
- The information upon which the quotes are based is
obtained from reliable sources, however, the rates produced correlate with the
personal data you provide (ages of applicant, dependents, etc.). In addition
the rates charged by insurance carriers may change, although we are as
diligent as possible when it comes to keeping our rate tables up to date it is
possible that you receive a quote that is not completely accurate.
- The names and logos of all other insurance carriers are
the (registered) trademarks of their respective owners.
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