Terms of Use

Please read the following carefully. By using and accessing this website, you acknowledge these terms and agree, without limitation or qualification, to be bound by them and by applicable laws. If you do not agree to these terms, do not access this website or any pages thereof.


TD Insurance encompasses:

  • TD Insurance Credit Protection and TD Insurance travel: products offered by the Toronto-Dominion Bank, TD Life Insurance Company, the Canada Life Assurance Company, or Sun Life Assurance Company of Canada;
  • TD Insurance Life and Health: products underwritten by TD Life Insurance Company
  • TD Insurance Home and Auto: products underwritten by TD General Insurance Company, Primmum Insurance Company, and TD Home and Auto Insurance Company
  • TD Insurance Meloche Monnex: insurance program underwritten by Security National Insurance Company and distributed by Meloche Monnex Financial Services Inc., Meloche Monnex Insurance and Financial Services Inc.;

For the purposes of the following, TD INSURANCE refers to Meloche Monnex Inc. and its subsidiaries who underwrite the
TD Insurance Meloche Monnex home and auto insurance program and the TD Insurance Home and Auto insurance products and services

2.  General Terms

Information or data contained in this website is not guaranteed to be timely, current, accurate, or complete and is subject to change without notice. Changes to the information, products or services described on this website may be made without updating this site to reflect such changes. Please contact us for confirmation before acting on any information or data. This website is presented on an "as is" basis only, for your reference. Internet software or transmission problems may result in the download and display of inaccurate or incomplete information.

3.  Ownership and Monitoring

The website is owned by TD INSURANCE. TD INSURANCE may monitor access to, use of, and other activities relating to the website, and may intervene in relation thereto but does not make any representation or warranty that it will do so. Users hereby consent to any such monitoring and intervention.

4.  Use of Information

The content of this website is provided for information purposes only, unless otherwise indicated, and is not intended to provide specific insurance, investment, tax, legal, or accounting advice to users, and should not be relied upon for that purpose. Users should not act or rely on the information without seeking the advice of a professional.

5.  Availability of Products

The TD Insurance Meloche Monnex and TD Insurance Home and Auto insurance products and services are available only in those jurisdictions where they may be legally offered.
The information on this website does not constitute an offer or solicitation by anyone in any jurisdiction in which an offer or solicitation cannot legally be made, or to any person to whom it is unlawful to make an offer or solicitation.
Due to provincial legislation, our automobile insurance products and services are not available in British Columbia, Manitoba or Saskatchewan.
For any information specific to a provincial jurisdiction, users should contact their advisors.
If users choose to access the website from outside Canada, they do so on their own initiative and are responsible for compliance with applicable local, national, and international laws. Users must be aware of the laws of their countries of origin or that otherwise apply to them in relation to any of the matters described in these pages. Users may not use, export, or re-export the information or any copy or adaptation in violation of any applicable laws or regulations, including export laws and regulations of Canada in force from time to time.

6.  Insurance Products

All insurance products are subject to limitations and conditions in the insurance policies and applicable legislation.

7. Email Disclaimer

Email sent over the Internet is not a secure medium of communication, and privacy cannot be assured. TD INSURANCE cannot assume any responsibility for any injury, harm or damage you may experience or incur by sending personal or confidential information to TD INSURANCE over the Internet by email, or if we send such information at your request.

8. Links to Other Sites

References in this website to third parties' goods or services are not endorsements or approval of such goods and services; links to other websites are not endorsements or approvals of such websites, the third parties named therein, or their products and services, nor is any liability assumed for inaccuracies contained therein, or for incompatibility, non-suitability, viral infection, worms, Trojan horses, or other destructive/disruptive components on or from such websites. You should always use appropriate anti-virus or other protective software to protect your data and equipment.

9. Opinions and Content

Information included in this website may be provided by third parties. The comments and opinions expressed in information found on this site are those of the authors who provided them. They do not represent the views of TD INSURANCE or its affiliates nor do TD INSURANCE or its affiliates endorse said comments and opinions.

10. Proper Use

Users agree not to submit questions or comments that are unlawful, defamatory, harassing, abusive, fraudulent, obscene, are intended to advertise or sell goods or services, contain viruses, or are otherwise objectionable. Users further agree not to submit questions or comments that infringe upon another party's intellectual property rights. Users may not sell, use, reproduce, modify, edit, translate, publish, perform, display, post, transmit and distribute questions, answers or comments for any public or commercial purpose without the written permission of TD INSURANCE. TD INSURANCE reserves the right not to respond to or use questions or comments submitted, particularly if they violate the foregoing conditions. TD INSURANCE reserves the right to edit questions and comments, in whole or in part, at any time and for any reason, prior to posting them on the website.

11. Confidentiality - Use of Information.

The questions or comments you submit and the responses you receive do not form the basis of a professional-client relationship, and they are not subject to standards or requirements of confidentiality and/or privilege associated therewith. Furthermore, TD INSURANCE shall have the perpetual, irrevocable, non-exclusive right to use, reproduce, modify, edit, translate, publish, perform, display, post, transmit and distribute ("Use") your questions, comments, and/or corresponding answers, anonymously or in the aggregate, without compensation to you, for internal or external purposes, alone or as part of other works in any form, media, or technology, whether now known or hereafter developed and to sublicense such rights. TD Insurance will not, however, publicly disclose your questions or comments in a manner that directly associates them with you (except where you include personally identifiable information in a question or comment and such question or comment is used by TD INSURANCE without any editing).

12 . Trademarks and Copyrights

Certain names, logos, designs, titles, words and phrases on this page or other pages of this website may constitute trademarks, service marks or trade names of the Toronto-Dominion Bank (“TD Bank”), of other members of the TD Bank Financial Group or of third parties and used under licence by TD Bank or other members of the TD Bank Financial Group. TD Insurance and TD Insurance Home and Auto are trademarks of the Toronto-Dominion Bank used under licence.
TD Insurance Home and Auto is a trade name of Primmum Insurance Company, TD Home and Auto Insurance Company and TD General Insurance Company. TD Insurance Meloche Monnex is a trade name of Security National Insurance Company, Primmum Insurance Company, Meloche Monnex Financial Services Inc. and Meloche Monnex Insurance and Financial Services Inc.
Trademarks are identified on this website at first time use with the appropriate trademark symbol: ® or TM . Unless otherwise specifically mentioned on a particular page or pages of this website, the symbol ® refers to registered trademarks of Meloche Monnex Inc. used under licence, and the symbol TM refers to trademarks of Meloche Monnex Inc. used under licence.
All information on this website is protected under the copyright laws of Canada and/or other countries. Except for the purposes of downloading the pages of this website for viewing, unauthorized downloading, re-transmission, storage in any medium, copying, redistribution, reproduction, or republication of any part of this site for any purpose is strictly prohibited.
No content from this website may be posted to news groups, mail lists or electronic bulletin boards or incorporated into any other website nor may links be created to this site without the prior written consent of TD INSURANCE.
The display of trademarks, trade names, or service marks on this website does not convey or create any licence or privilege of any kind. Unauthorized use or exploitation of such marks and names is strictly prohibited.

13. Disclaimer of Warranties, Representations, Conditions and Endorsements

TD INSURANCE does not give, make or set any warranties, representations, conditions, guarantees or endorsements, whether expressed or implied by law, statute, trade usage or otherwise, with respect to the functionality or conditions of this website or the information contained therein, including, without limitation, warranties as to merchantability, operation, non-infringement, title, usefulness, completeness, accuracy, adequacy, currency, reliability or fitness for a particular purpose. Without limiting the generality of the foregoing, TD INSURANCE does not give, make or set any express or implied warranties, representations, conditions, guarantees or endorsements to the effect that the information accessed from or through this website will be uninterrupted or free of errors, omissions, defects, viruses or other harmful components, or that any such problems which are discovered will be corrected.

14. Disclaimer of Liability

TD INSURANCE is not responsible in any way for any damages (direct, indirect, incidental, special, economic, consequential, exemplary or punitive) or harm suffered or incurred by anyone arising out of or in connection with:

  • The use or inability to use this website, any of its content or any Web browser;
  • Any error, negligence, interruption, omission, or delay in information, data, or quotes contained in or displayed on this website;
  • TD INSURANCE ’s failure to take corrective measures.

15. Final Provisions

  1. Changes to terms
       TD INSURANCE may modify, alter or otherwise update the Terms of Use and Conditions applicable to this website from time to time,    without notice, by updating this posting. Users agree to review the Terms of Use and Conditions regularly and to be bound by their    continued access and use by such Terms and Conditions as are in effect at the time when they access this TD INSURANCE website.
  2. Changes to information
       The information contained in this website is subject to change at any time without notice.
  3. Reservation of rights
       All rights not expressly granted in these Terms of Use and Conditions are reserved to TD INSURANCE. Nothing contained in these    Terms of Use and Conditions shall be construed as conferring by implication, estoppels or otherwise any licence or right under any    copyright, patent, trademark or other intellectual right of TD INSURANCE to any other person or entity.
  4. Survival
       These Terms of Use and Conditions apply while users are accessing the website and remain in effect thereafter.

16. Other

The disclaimers, terms of use and conditions of this TD INSURANCE legal information page are of general application and shall be read to be supplementary to, and in harmony with, any disclaimer, term, or condition of specific application on a particular page or pages of this website. In case of conflict, the specific shall take precedence over the general.