Please carefully read this notice before you use this website. This website is provided by Pacific Life Re Services Limited (hereinafter referred to as 'Pacific Life Re'), a member of the Pacific Life family of companies and an affiliate of Pacific Life Insurance Company, and may be used for informational purposes only. By using this website, or downloading materials from it, you agree to abide by the following terms and conditions. If you do not agree with the following conditions of use, please exit this website.
Website content
Pacific Life Re created this website to be used by clients and potential clients. The website does not, and it is not intended to, provide any financial, legal, accounting, or tax advice, and must not be relied upon by you in that regard. The website should not be used, or relied upon by you, as a substitute for your independent research or consultation with your own financial, legal or tax advisors.
The information, text, graphics and links provided in this website are provided by Pacific Life Re and its website administrator and affiliate, Pacific Life Insurance Company ('Pacific Life'), as a convenience to you. Due to the nature of the Internet, neither Pacific Life Re nor Pacific Life warrants or guarantees the accuracy, completeness or authenticity of the information contained in this website, or the information, text, graphics, links, website functionality, and other items contained on this server or its suitability for any purpose.
Pacific Life Re and Pacific Life do not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available is free of viruses or other harmful components as such information is received by you because Pacific Life Re and Pacific Life cannot control the transmission of information over this medium. Neither Pacific Life Re nor Pacific Life warrants or makes any representations regarding the use of, or the results of the use of, the materials on this site, or the transmission of any software, data or information from the website to you.
Pacific Life Re is responsible for the information made available on this website and does not guarantee that it is accurate, complete or current. This website could include technical inaccuracies or typographical errors. Pacific Life Re will from time to time revise the information, products and services described in this website, and reserves the right to make such changes without notice.
Liability
The use of this website is entirely at your risk. The materials and information in this website (including text, graphics, and functionality) are presented without express or implied warranties of any kind and are provided "as is". It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. Pacific Life Re, Pacific Life and their related, affiliated and subsidiary companies to the full extent permitted by applicable laws disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose as to any matter whatsoever relating to this website or the information contained herein.
To the fullest extent permitted by applicable laws, in no event shall Pacific Life Re, its agents, employees, directors, officers and affiliated companies be liable for any damages of any kind caused to any person as a consequence of the use of this website including but not limited to any direct, special, incidental, indirect or consequential damages of any kind including but not limited to loss of use, loss of data or loss of profits, whether or not advised of the possibility of such damage, or based upon any theory of liability, arising out of or in connection with the use or performance of this website or the information contained herein. We will not be responsible for any detrimental reliance that you may place upon the website or its contents.
Product availability
Unless otherwise specified, the materials in the website are presented solely for the purpose of educating the user about the products and services of Pacific Life Re. Nothing in this website constitutes an offer to buy or sell products or services of Pacific Life Re or its affiliated companies. Pacific Life Re makes no representation that any or all of the materials in the website are appropriate or available for sale in any or all locations. Not all products and services described are available in all countries of the world. No life reinsurance, security or other product offered by Pacific Life Re and its affiliates is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the laws of such jurisdiction. No such security or product is offered or will be sold in any jurisdiction by an entity which is not properly licensed to do so in such jurisdiction.
Those who choose to access this website do so on their own initiative and are responsible for compliance with state, local and foreign laws, if and to the extent such laws are applicable.
Copyright
This website is provided for your personal viewing and Pacific Life maintains all copyrights in its text, buttons, layouts, graphic images and logos contained in this website. Except as stated herein, no portion of this website or its contents may be reproduced, copied, republished, altered, or transmitted, uploaded, downloaded, or posted in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of Pacific Life.
Modification of the materials or use of the materials for any other purpose is a violation of Pacific Life's copyright and other proprietary rights. The use of any such material on any other website or networked computer environment is prohibited.
You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this website, without prior written permission of Pacific Life Re.
An acknowledgment of the source must be included whenever our materials are copied or published.
Any infringement of our rights will result in appropriate legal action. Pacific Life Re and its affiliated companies disclaim any and all liability which may result from any unauthorised reproduction or use of the information on this website.
Licence and reproduction
Permission is granted to print copies of portions of this website, but not the entire website, and to display and navigate around this website with a computer using HTML browser software, solely for personal use.
Any commercial use of this website or any portion hereof is strictly prohibited. A hyperlink to the Uniform Resource Locator (URL) of this website in HTML documents which you prepare, must be approved in writing or via email, prior to making such hyperlink, and is subject to the following conditions: (a) the URL may be used only for the purpose of hyperlinking to Pacific Life Re's home page at "http://PacificLifeRe.com"; (b) the URL shall be clearly identified as being a link to a website owned and operated by Pacific Life Re or its affiliated companies; and (c) you will make no other use of any Pacific Life Re intellectual property, other than the URL, without Pacific Life Re's express written permission.
Trade Marks
The logo shown for Pacific Life Re is a trade mark of Pacific Life. Unless otherwise indicated, all trademarks, service marks, and trade names are proprietary to Pacific Life or its affiliates. Pacific Life enforces its intellectual property rights. Use in commerce other than as "fair use" is prohibited by law except by express licence from Pacific Life.
Other parties' trademarks and service marks that may be referred to herein are the property of their respective owners.
Viruses
Because of the marked increase in the fabrication and proliferation of computer viruses affecting the Internet, we want to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded materials received from the Internet. Pacific Life Re and its affiliates are not responsible or liable for any damage caused by such hazards.
Pacific Life Re and Pacific Life cannot and do not guarantee or warrant that files available for downloading from this website are free of viruses, worms, Trojan horses or other code that has contaminating or destructive properties.
Pacific Life Re and Pacific Life do not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title, non-infringement or fitness for a particular purpose) with respect to the files available for downloading from this site. In no event will Pacific Life Re, Pacific Life or any of their affiliates be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on results obtained from use of files downloaded from this site.
Security
All information, including electronic mail inquiries, submitted to Pacific Life Re while not logged into secured regions of this website is submitted through the Internet, which is an unsecured, public network. Your use of the website is not confidential and you acknowledge that your use of the website (including information you transmit to the website) may be subject to access by, or disclosure to, other persons.
Linked websites
Other Internet or websites which may provide access to this website by hypertext links ("hyperlinks") are entirely independent of this website. Links to other Internet or websites from this website are included as a convenience for our visitors and in no way are meant to imply that Pacific Life Re endorses, sponsors, promotes or is affiliated with the owners of or participants in those sites, or endorses any information contained on those sites, unless expressly stated. Pacific Life Re and its affiliates do not guarantee the accuracy of any information in these other sites nor does it assume any liability for the content or presentation of linked sites.
We cannot guarantee that the hyperlinks set out on our website will be accurate at the time of your access. Moreover, the sites pointed at by hyperlinks have been independently developed and possibly maintained by person(s) over whom Pacific Life Re or its affiliates have no control. Pacific Life Re and Pacific Life cannot and do not monitor the sites linked to its pages on the Internet or any transmission made through the respective web pages and news groups.
Accordingly, Pacific Life Re and its affiliated companies assume no responsibility for the content of any site referenced to by any hyperlink or otherwise. Pacific Life Re believes that our making available hyperlinks to publicly accessible web pages is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.
Service requests
Any information requested is for our internal use to service your request. It is not shared with any third party, unless permitted by you or required by law.
Interactive forms or calculators
Any interactive forms or calculators on this website are there for your information only. Pacific Life Re tracks, retains and/or uses any of the data input into these forms for our internal use only.
Submissions
Pacific Life Re welcomes your comments regarding our website. While we do value your feedback, we ask that you not submit to us any suggestions, materials, ideas or creative concepts for new, modified or different products or services via this website. Pacific Life Re requests this in order to avoid confusion in the future regarding the origin of the concept, product or service.
If, despite our request that you not send us any creative materials, you in fact send us creative suggestions, ideas, concepts or other information (collectively, the Information), such Information shall be deemed by Pacific Life Re to be, and shall remain, the property of Pacific Life Re. None of the Information shall be subject to any obligation of confidence on the part of Pacific Life Re and Pacific Life Re shall not be liable for any use or disclosure of any Information.
Without limiting the foregoing, Pacific Life Re shall exclusively own all rights to the Information of every kind and nature and shall be entitled to unrestricted use of the Information for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Information.
Accessibility
Please click here to view Pacific Life Re’s AODA Accessible Customer Service Policy. This policy sets out customer service standards guidelines to follow in accordance with the Accessibility for Ontarians with Disabilities Act, 2005.
Please click here to view Pacific Services Canada Limited’s AODA Multi-Year Accessibility Plan. This document is the accessibility plan for PSCL and outlines PSCL’s policies, practices, and actions to improve accessibility for individuals with disabilities and to meet the requirements of the Accessibility for Ontarians with Disabilities Act, 2005.