Terms of Use
1. Acceptance of Terms
By accessing or using the website located at https://kootenayinsurance.ca/ (the “Site”) or by submitting any form, you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, please do not use the Site.
Kootenay Insurance Services Ltd. reserves the right to update these Terms at any time. Continued use of the Site following any changes constitutes acceptance of the revised Terms.
2. Use of the Site
You agree to use this Site only for lawful purposes and in a manner that does not infringe the rights of others. You may not:
- Use the Site to transmit unsolicited communications
- Attempt to gain unauthorized access to any part of the Site
- Use automated tools to scrape, crawl, or index the Site without permission
- Submit false or misleading information through any form
3. SMS Program Terms
The following terms apply to SMS communications between Kootenay Insurance Services Ltd. and individuals who have opted in to receive text messages.
3.1 Program Description
By providing your mobile phone number and checking the SMS opt-in checkbox on any form on this Site, you agree to receive text messages from Kootenay Insurance Services Ltd.. These messages may include appointment reminders, service updates, and promotional offers. Message frequency varies.
3.2 Consent Is Not a Condition of Purchase
Providing your phone number and opting in to receive SMS messages is entirely voluntary. Consent is not required as a condition of purchasing any product or service offered by Kootenay Insurance Services Ltd..
3.3 Message and Data Rates
Message and data rates may apply depending on your mobile carrier and service plan. Kootenay Insurance Services Ltd. is not responsible for any charges imposed by your carrier.
3.4 How to Opt Out
You may opt out of SMS messages at any time by replying STOP to any message received from us. You will receive a one-time confirmation that your request has been processed. You will not receive further messages unless you opt in again.
3.5 Help Instructions
For assistance, reply HELP to any SMS message or contact us at info@kootenayinsurance.ca.
3.6 Carrier Disclaimer
Carriers are not liable for delayed or undelivered messages.
3.7 Supported Carriers
Our SMS program is supported by all major US carriers (including AT&T, T-Mobile, and Verizon) and all major Canadian carriers (including Rogers, Bell, and Telus). Supported carriers are subject to change.
4. Privacy
Your use of the Site and submission of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy at https://kootenayinsurance.ca/privacy-policy.
5. Intellectual Property
All content on this Site — including text, graphics, logos, and images — is the property of Kootenay Insurance Services Ltd. and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without prior written permission.
6. Disclaimer of Warranties
THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. Kootenay Insurance Services Ltd. DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
7. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, Kootenay Insurance Services Ltd. WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE OR ANY SMS COMMUNICATIONS, INCLUDING BUT NOT LIMITED TO UNDELIVERED MESSAGES, CARRIER FILTERING, OR UNAUTHORIZED ACCESS.
8. Governing Law
These Terms are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein.
9. Contact
Kootenay Insurance Services Ltd.
200 – 999 Farwell Street
Trail, British Columbia
Canada V1R 3V1
Email: info@kootenayinsurance.ca
Phone:
Effective Date: August 13, 2026