By accessing and browsing this website you accept and agree to be bound by and comply with, without limitation or qualification, the terms and conditions set out below.
Please read these terms and conditions before using this website. If you do not accept and agree to be bound by the terms and conditions, please do not continue using this site. These terms and conditions may be changed from time to time without notice. Therefore be sure to review these terms and conditions regularly.
In these terms and conditions, any reference to "we," "us," "our," or “Orbit” refers to TW Insurance Services Ltd., operating as Orbit Insurance Services.
The services described in this website are available only to those who are Canadian residents, who have reached the age of majority in their province or territory of residence, and/or who possess the legal authority to create a binding legal obligation.
All information on this website, including quotations and information relating to premiums, is subject to change without notice. We strive to provide accurate and up-to-date material on this website. However, we make no warranties or representations and there are no conditions as to the accuracy or timeliness of the material provided on this website. We assume no liability or responsibility for any errors or omissions on this website.
We are committed to making all contact straightforward and relevant. From time to time, we would like to let clients know about new or enhanced products and services. In addition, we may communicate promotions that may be of interest to you; however, we will not contact you unless you provide consent. You can withdraw consent at any time by clicking the unsubscribe link in the email.
To obtain the most accurate rate and to maximize your eligibility for discounts, it is important to provide accurate information. If, as part of the purchase process, information provided to insurers is subsequently established to be false, an insurance policy may be voided.
Content of this website is the copyright of Orbit Insurance Services and is protected under the Federal and Provincial laws and regulations of Canada. All rights reserved. The information on this website may not be reproduced, or distributed in whole or in part without the prior written consent of Orbit which may be arbitrarily withheld.
Any infringement of these rights will result in appropriate legal action. General informative content articles may be used for the purposes of social media and links may be created to this site as part of newsgroups, blogs and bulletin boards provided the source of the material is credited and clearly indicated to Orbit.
Neither Orbit nor any of their third-party administrators and agents, employees, directors, officers, trustees and affiliated companies and participating insurance suppliers, nor any other party involved in creating, producing or delivering this website, shall be liable for any loss, harm or damage, including, without limitation, any direct, indirect, special, third-party or consequential damages, however caused, to any person as a consequence of, or arising out of, your access to, or use of, this website or any material from this website, even if we have been advised of the possibility of these damages. You agree that the use of this website, and any sites linking to or from this website, is entirely at your own risk.
If any term or condition is found, in whole or in part, to be unlawful, void or for any reason unenforceable, then that provision shall be deemed to be severable from the rest of the provisions and shall not affect the validity and enforceability of any of the remaining terms and conditions.
You agree that the laws of Canada govern any use of this website and any issues which may arise with regard to this website, without regard to rules relating to conflict of laws, including with regard to any dispute arising out of your use of this website or material from this website. The courts of Canada shall have exclusive jurisdiction over all such claims.
Third party website links are owned and operated by an independent party over which Orbit has no control ("Third Party Website"). Any link you take to or from the Third Party Website will be at your own risk. Any information you provide will be governed by the terms of the Third Party Website, including those relating to confidentiality, data privacy and security.
Orbit logos, marks, designs and trademarks are all registered trademarks owned by Orbit. The display of trademarks or trade-names on the website does not convey or create any license or other rights in these marks or names.
Under no circumstances will Orbit be liable for any damages relating directly or indirectly to any action or inaction based on the content, information, products or services or other material available through the website. Orbit will not be responsible for any damages or losses related to, the accuracy, currency or completeness of the content, breach of contract, warranty of fitness, information, products or services or other material obtained through the website.
What are cookies?
Cookies are small text files that are used to store small pieces of information. They are stored on your device when the website is loaded on your browser. These cookies help us make the website function properly, make it more secure, provide a better user experience, and understand how the website performs and to analyze what works and where it needs improvement.
First-party cookies come from the site you are currently using and are mostly necessary for the website to function the right way. They do not collect any of your personally identifiable data.
Third-party cookies are cookies placed by our business partners from a different website. They are mainly used on our website for understanding how the website performs, how you interact with our website, keeping our services secure, providing advertisements that are relevant to you, and all in all providing you with a better user experience by improving your future interactions with our website.
Session cookies are stored temporarily on your computer or device while you use the website, and are deleted when you close your internet browser.
Persistent cookies remain on your computer or device after you have closed your browser, so we can remember if you have visited our website before or your preferences.
Types of cookies we use
We categorize cookies into 4 types depending on their function.
|Necessary||Necessary cookies are required to enable the basic features of this site, such as providing secure log-in or adjusting your consent preferences. These cookies do not store any personally identifiable data.|
|Functional||Functional cookies help perform certain functionalities like sharing the content of the website on social media platforms, collecting feedback, and other third-party features.|
|Analytics||Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics such as the number of visitors, bounce rate, traffic source, etc.|
|Performance||Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors.|
|Advertisement||Advertisement cookies are used to provide visitors with customized advertisements based on the pages you visited previously and to analyze the effectiveness of the ad campaigns.|
|Uncategorized||Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet.|
Other technologies that we use
Web beacons, and single pixel gifs, which are small image files that contain information about you, such as your IP address, that can be downloaded when you visit a website or open an e-mail. This allows us to understand your online behaviour, monitor our email delivery, and provide you with interest-based advertising. These tools also allow our third-party tracking tools to gather information, such as your IP address, and provide this back to us in an anonymized, aggregate form (i.e., in a manner that prevents us from identifying you personally). Aggregate information refers to personal information compiled and expressed in a summary form where no personal identifiers are included. Unlike cookies, web beacons are not stored on your device.
Manage your cookie preferences
On our website:
You can change your cookie preferences any time by clicking the above button. This will let you revisit the cookie consent banner and change or withdraw your consent right away. If you do turn off cookies, remember that you may not be able to use all the services on our websites.
Find out how to manage cookies on popular browsers:
By Google Analytics:
Links to other websites
Please note that this document does not apply to, and we are not responsible for, the privacy practices of third party websites, which may be linked to or accessible through this website. We recommend you read their policies.
1The OTIP Group of Companies includes: