Terms & Conditions


Terms and Conditions

This website is provided by the Registered Insurance Brokers of Ontario (‘’RIBO’’) conditional on your acceptance of the terms and conditions of use set forth below.

By accessing, using or downloading materials from this site, you agree to accept and abide by these terms and conditions for each use and each visit to this site. If you do not agree to these terms and conditions, you should not access this site.

Changes to Terms and Conditions

RIBO reserves the right to change this Agreement at any time by updating this page. Use of the website after such changes are posted will signify your acceptance of these revised terms and conditions. If any change to the terms and conditions is not acceptable to you, you should discontinue your use of the website immediately.

 Permitted and Prohibited Uses

Users of this website may not:

  • sell material from this site or reproduce it for sale without the express written permission of RIBO.
  • use this site in a way that could damage it or the material displayed on it.
  • interfere with site security or the security of linked sites.
  • disrupt or interfere with another person’s use of this website.
  • use this site or the information on it to send any type of mass email.
  • attempt to gain unauthorized access to the restricted areas of this site.

Copyright/Permission To Reproduce

This site is protected by copyright. Commercial or for-profit redistribution of the materials on this site, in part or in whole, is prohibited except with the written consent of RIBO.

Except as otherwise specifically noted, the materials on this site may be reproduced for personal or educational use, in part or in whole and by any means, without charge or further permission from RIBO, provided that:

  • due diligence is exercised in ensuring the accuracy of the materials reproduced;
  • RIBO is identified as the source; and
  • the reproduction is not represented as an official version of the materials reproduced; or as having been made in affiliation with, or with the endorsement of RIBO.

When materials on this site are reproduced as part of a published work (i.e., included in a book, journal article, or website), written consent is required as well as notification when the final work is published or posted.

For permission to reproduce the materials on this site for redistribution or republication, contact RIBO.


The names, graphics, and logos on this site are the exclusive property of RIBO and may not be copied, imitated or used in whole or in part without the prior written consent of RIBO. The Logo of The Registered Insurance Brokers of Ontario(‘’RIBO’’) is a trademark owned 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 existing 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)
www.privcom.gc.ca (website)