This website and the contents therein are provided for your personal information and viewing only. The owners and authors of this website, Sandro by himself and on behalf of his wife, Christa with her consent (collectively “we”, “us” or “our”) have the right at our sole discretion to amend, modify, supplement or delete any or all of the content on this website at any time. Concurrently, we also reserve the right at any time to temporarily or permanently disable access to or discontinue any or all sections of this website without any liability on our part. In doing so, we are not obligated in any way to give notification to any party whatsoever that any change on the website will take effect or has taken effect.
We reserve the right to select the Share Your Story submissions and photographs that will be posted on this website at our sole discretion. As such, not all Share Your Story submissions and photographs that are sent to us will be posted on this website. Moreover, even though an individual has consented to having their Share Your Story submission and/or photographs posted on this website, this does not in any way guarantee that it will be selected as a submission to be posted on this website.
By using this website, you are deemed to have agreed to the terms and conditions of use. The authors and owners of this website (collectively “we”, “us” or “our”), reserve the right to modify them at any time. You should check these terms and conditions of use periodically for changes. By using this website after we post any changes to these terms and conditions, you are deemed to agree to accept those changes, whether or not you have reviewed them. If at any time you choose not to accept these terms and conditions of use, please do not use this website.
Restrictions on Use of Materials
The contents of this website are protected by copyright laws, and are the property of their owners and authors. We retain the right to reject, modify, or remove messages or other material that we, in our sole discretion, consider infringing, offensive, abusive, obscene, or otherwise unacceptable, or that violates our objectives and the Terms and Conditions of use for this website. We also reserve the right to edit materials for any other reason. Whether or not we modify or remove such material, users remain solely responsible for the content of their postings and/or messages.
By posting material on this website, you grant us the worldwide, perpetual, nonexclusive right to use your questions, comments, and messages or postings, in their original or edited form, in television broadcasts, editorials, books, articles, commentaries, or in any other medium now known or later developed. You are not entitled to any compensation for any materials submitted by you (via email) that is posted in the “Share Your Story” submission section of this website.
Registration
In order for your “Share Your Story” submission to be even considered for being posted on this website, you will be required to provide specific information via email to us. All information about you must be truthful, and you may not use any aliases or other means to mask your true identity.
Disclaimer
The materials and content on this website are provided “as is” and without warranties of any kind, either express or implied. We disclaim all warranties, express or implied.
No Personal Advice
The information contained in this website cannot replace or substitute the services of trained professionals in any field, including, but not limited to legal or medical matters. In particular, you should consult and/or retain legal, medical and/or financial professionals in all matters concerning any expert advice or assistance relevant to your specific needs. We make no representation or warranties concerning your use of this website. We will not be liable for any direct, indirect, consequential, special, exemplary or other damages that may result from your use of this website.
Security Policy
Protecting your privacy and your information is a priority. We have taken reasonable measures to secure both your information and our physical premises. We exercise reasonable care in providing safe transmission of your information from your computer to us (unless it is sent by a means outside of our control, such as e-mail). Although we will take reasonable efforts to protect the privacy of the information that Share Your Story submitters send to us, we have no legal responsibility or legal obligation to Share Your Story submitters. Furthermore, we accept no liability whatsoever to Share Your Story submitters in the event that their information, photographs and other particulars relating to their submission are accessed by a third party without our consent. As such, we cannot guarantee that our measures will completely bar unauthorized access to your information, thus by using this website you assume this risk.
Your Acceptance of These Terms
If you do not agree to the Terms and Conditions of using this website, please do not use it. Your continued use of this website following the posting of changes to these terms will mean that you accept those changes.
Copyright Protection
The entirety of the contents contained in this website, including photographs, writing/text, facts, information, expert reports or statements, programming, graphic design, graphic art, web design, digital video footage, 3D animation or rendering, and the like are our property and may not be reproduced, transmitted, altered, appropriated, used or in any other manner utilized for private, commercial or public purposes without our prior written consent to do so. You are hereby informed that any infringement of our copyright and/or other legally protective rights will result in legal proceedings against you.
Exclusion of Liability
The entirety of the contents in this website, including information and photographs are based on one individual’s personal experience with TD Meloche Monnex (hereinafter referred to as “TD”), Security National Insurance Company (hereinafter referred to as “Security National”), and York University (hereinafter referred to as “York”) Alumni Association . We are in no way, shape or form communicating directly or indirectly that what happened to the above-noted individual is representative of what will happen to everyone who has dealings with TD, Security National or York.
We are merely using this website as a vehicle to share one individual’s personal experience with other individuals who may have had a similar personal experience in dealing with TD, Security National and York. As such, we take no responsibility for any legal action undertaken on the basis of this website.
The information in this website is not intended to replace medical, legal and/or other expert or professional advice. As such, individuals using this website are encouraged to consult a physician, healthcare professional, and/or medical expert for professional medical expert advice, and they are also encouraged to consult or retain a lawyer for legal advice if they so choose to.
Canadian Residents Only
This website is intended for use by Canadian residents only who are twenty (20) years of age and older. Any reference in this website to TD and/or Security National is intended to refer only to TD and Security National products and services available in Canada.