Any information sent or received over the internet is generally not secure. If you communicate with RIBO using e-mail, RIBO cannot guarantee the total security or confidentiality of any communication to and from our e-mail servers.

In particular, the protection of confidential member information is of paramount importance to RIBO.  In this context, The Registered Insurance Brokers Act,1981 and the enacted Regulations provide for the confidentiality of information related to the administration of the Act and Regulations.

We will not trade, sell or rent your personal information. RIBO takes precautions — including administrative, technical, and physical measures — to safeguard your personal information against loss, theft, and misuse, as well as unauthorized access, disclosure, alteration, and destruction.

RIBO uses Secure Sockets Layer (SSL) encryption on certain web pages where personal information is located. To provide or to update personal information in your profile, you must use an SSL-enabled browser such as Chrome, Safari, Netscape Navigator 3.0 or later, or Microsoft Edge.

You can help us by also taking precautions to protect your personal information when you are on the Internet. For example, change your passwords often using a combination of letters and numbers.

We regularly review our information-handling practices. If you have any questions or comments in this regard, please use the Contact Information at the end of this document.


RIBO may use “cookies” to improve the quality of your visit to this website by providing you with personalized information and features. Cookies are a software technology that enables RIBO systems to recognize your computer and collect non-personal information about you. This type of information may include: type of browser used to access the Internet, type of operating system, and the domain of your Internet service provider.

 Links To and From Other Websites and Social Media Platforms

Certain links on this site may take you to other websites. RIBO provides these links only as a convenience.  If you use linked sites, you will leave this site. If you decide to visit any linked site, you do so at your own risk. These links do not imply an endorsement or affiliation with the owners of any linked sites or platforms.  RIBO has no control over the content or reliability of any linked sites provided.  These sites are the sole responsibility of their owners and operators.

RIBO permits linking to the pages on this website provided that links are opened in a new browser window so the page can be viewed in its intended context. RIBO does not permit any linking to its website that misinforms users about the origin and ownership of RIBO’s web content.

Unless otherwise advised by RIBO all other websites and social media platforms that link to this website are not associated with or endorsed by RIBO.


You acknowledge that your use or reliance on this website, or any documents, materials, resources or references on this website or referred to or recommended through this website, including without limitation any service, product or information, whether provided by RIBO or a third party (collectively, the “resources”), is at your sole risk.

The resources are not intended to provide you or any other person or entity with any advice.

Neither RIBO or any council member, RIBO officer, employee, member, supplier, agent, contractor or representative of (collectively the “representatives”) make any representation or warranty of any kind regarding the resources, which are provided on an “as is”, “where is” and “as available” basis.

The representatives expressly disclaim all representations, warranties and conditions, including without limitation any implied warranties and conditions, including without limitation any implied warranties and conditions of merchantability, satisfactory quality, merchantable quality, title, non-infringement of proprietary rights and fitness for a particular purpose and those arising by statute or otherwise in law or from a course of dealing or use of trade.

The representatives do not guarantee and make no representation or warranty as to the truthfulness, accuracy, reliability, correctness, currency, veracity or completeness of the resources or warrant that this website (or, to the extent applicable, any resource) will continue to operate, operate without interruptions or that it will be error-free, that defects will be corrected or that it will be free of viruses or other destructive elements.

The representatives have no obligation to maintain either the availability or the currency of the resources or to provide notice of any changes made to the resources, and take no responsibility for the resources or for any damages to users of the resources, however caused.

If you identify any error on this website or any material that you consider to be inaccurate or otherwise inappropriate, please contact us immediately and we will take such action as we in our absolute discretion see fit.  The reliability and confidentiality of unencrypted communications and transmissions through the Internet cannot be controlled or guaranteed by RIBO Such communications are inherently insecure and can potentially be viewed by unauthorized third parties.

Limitation of Liability

Subject to applicable law,and under no  circumstances shall RIBO, its former or exsisting Council members, officers, directors, employees or agents be responsible or liable for any loss or damages whatsoever, including (without limiting the generality of the foregoing) any direct, indirect, incidental, special, punitive or consequential damages, arising from and in connection with your use of, access to or your reliance on,or your inability to use or access, this site, any contents of this site, any information provided through this site, any external links on this site, any website linking to this site or any contents therof, or any delivery, hosting and ancillary services or facilities of third party suppliers used by RIBO.RIBO assumes no liability for third party contents of this site or third party information provided through this site.

In any event, you agree that the aggregate liability of the representatives for all damages whatsoever, whether in contract, tort or otherwise, shall be limited to the amount paid by you to RIBO, if any, for accessing this site.


 Applicable Law and Jurisdiction

By accessing or using RIBO’s website, you agree that all matters relating to your access to, or use of the website and its contents shall be governed by the laws of the Province of Ontario and the laws of Canada Applicable therein. You agree and hereby submit to the non-exclusive jurisdiction of the Courts of the Province of Ontario with respect to all matters relating to your access to and use of the site.

Severability And Entire Agreement

In the event that any portion or provision of this Agreement is deemed to be invalid or unenforceable, such portion or provision shall be deemed to be severed.  The remaining portions of the Agreement shall remain in full force and effect, without being invalidated in any way.

These terms and conditions constitute the entire Agreement between the user and RIBO in relation to access to this website supercede any previous agreement or understanding and may not be varied except in writing by RIBO.  All other terms and conditions express or implied by statute or otherwise, are excluded to the fullest extent of applicable law.


If you have any questions about RIBO’s mandate , this website, or these Terms and Conditions, please refer to our Contact Us page to get in touch with the appropriate personnel.

For additional information on PIPEDA’s obligations or if you are unsatisfied about RIBO’s handling of any request, inquiry or complaint, you may address this by contacting the Office of the Federal Information and Privacy Commissioner, as follows:

Privacy Commissioner of Canada
112 Kent Street
Ottawa, Ontario K1A 1H3

(613) 995-8210
(800) 282-1376 (toll free) (website)