CHUBBFOLIO – Terms and Conditions

These Terms of Use were last updated on February 24, 2014

Each time you access and use this client portal, you signify your acceptance and agreement to be bound by this Terms of Use Agreement, and you represent and warrant that you have the legal authority to agree to and accept these Terms of Use. If you do not agree with one or more of these Terms of Use, do not access or use this Web Site or the Content. These Terms of Use may be changed or modified at any time upon electronic notice to you. If you use ChubbFolio after we send or post a notice, you accept the changes as of the effective date set out in the notice and your continued use of this client portal will be conditioned upon the Terms of Use in force at the time of your use. You can always check the most current version of the Terms of Use posted on this client portal.

The terms “Chubb”, “we”, “our” and “us” means Chubb Insurance Company of Canada and its affiliates.

1. BECOMING A REGISTERED USER

ChubbFolio is a quick and easy paperless choice designed for Chubb Personal Insurance clients who wish to access their Masterpiece® policy documents and important policyholder services online, at any time. You do not need any special software to open your secure policy documents, just a personal computer with an Adobe PDF Reader. (If you do not have Adobe PDF Reader, please click here to download it.)

Once you have enrolled in ChubbFolio, you will no longer receive Chubb Personal Insurance documents by mail except those documents which we are required by law to provide in paper format and those documents which are not yet eligible for online view through ChubbFolio.

By agreeing to receive your Chubb documents online through ChubbFolio, we will automatically deliver them to Chubb’s secure ChubbFolio portal as soon as they have been approved and released by Chubb. We will notify you at the email address you provide for us when a document is ready for view.

2. SECURITY AND PASSWORD PROTECTION

This site shall be restricted to authorized persons only. Your unique ChubbFolio access code and password are used to identify you and will allow you to access ChubbFolio only. You may also have access to and obtain information on your insurance coverage by speaking to the Chubb Customer Care team at 1-888-57-CHUBB (24822) or by sending an e-mail to ChubbCustomerCare@chubb.com.

You are responsible for the care and control of your ChubbFolio access code and password. You must keep your ChubbFolio access code and password confidential and take every reasonable precaution to maintain them safely. You will not disclose your access code or password to anyone. Any liability arising from unauthorized access to this site as a result of the disclosure of your access code or your password shall be your responsibility.

If you know or suspect that someone is using or may know your ChubbFolio access code or password, you must immediately notify us by calling the Chubb Customer Care team at 1-888-57-CHUBB (24822) or by sending an e-mail to ChubbCustomerCare@chubb.com.

3. DELIVERY OF POLICY AND BOUNCE BACK PROCEDURE

Your documents will be available online after you have successfully enrolled in ChubbFolio, beginning with the most recent postings since June 28, 2012. Any future changes to your policy will be available for view once they have been approved and issued by Chubb. You will receive a ChubbFolio email notification when your documents are available for view. By making your insurance policies available to you on ChubbFolio, you agree and accept that your policies are deemed to be delivered to you for the purposes of satisfying any legislative policy delivery or issuance requirements.

Should we receive a bounceback from the email address you have provided to us when we attempt to notify you that a Chubb document has been posted to ChubbFolio, you will receive your policy documents in paper format and a letter advising you that the Document Alert we sent to your email address was returned to us as undeliverable. The Chubb Customer Care team will attempt to contact you directly to confirm that the correct email address is on file. We will attempt to contact you based on the telephone numbers we have on file provided by your insurance brokers. Your documents will continue to be accessible online.

If within 3 business days we are unsuccessful in reaching you, we will revert completely back to paper copies of your Chubb documents while continuing to post your documents on ChubbFolio until you provide us with an appropriate email address that will accept our notification emails.

To change your email address, simply sign-in to ChubbFolio, click on “My account”, on “Change Email Address”, and follow the steps to change your email address. You will receive a confirmation email to the new email address you have entered. If you need assistance, please contact the Chubb Customer Care team at ChubbCustomerCare@chubb.com or call 1-855-57CHUBB (24822) between the hours of 8:30 am and 7:00 pm EST, Monday through Friday.

You are responsible to advise us of any changes to the email address you provided when you registered for ChubbFolio.

4. USE OF CHUBBFOLIO ONLINE SERVICE

You will use ChubbFolio in accordance with these Terms of Use as they may be changed from time to time or as we may otherwise communicate to you from time to time. You can automatically access documents for all people noted as named insureds with you on any policy. For your auto policy, anyone who is a listed driver can also view your auto policy provided the driver is noted as a named insured with you on any policy that you share. To link policies that do not share these similarities within your household, you can contact Chubb Customer Care at ChubbCustomerCare@chubb.com or call 1-855-57CHUBB (24822) between 8:30 am and 7:00 pm EST, Monday through Friday, and request these additional views. A series of security questions will be asked before any further access is granted to you.

By accessing ChubbFolio you can:

Your documents will be available on the ChubbFolio portal for 2 years. For document viewing over 2 years, please contact the Chubb Customer Care team at 1-888-57-CHUBB (24822) or send an e-mail to ChubbCustomerCare@chubb.com.

You will not use ChubbFolio for illegal, fraudulent or defamatory purposes or take any steps which could undermine the security or integrity of ChubbFolio, or cause harm to or threaten to harm any other user of ChubbFolio or any other Electronic Financial Service.

5. SERVICE FEE

There is no service fee to receive your Chubb policy(s) or related documents electronically.

6. LIMIT OF LIABILITY AND DISCLAIMERS

Under no circumstances shall we, nor our affiliates, agents, and suppliers, be liable for any damages, including without limitation, direct, indirect, incidental, special, punitive, consequential, or other damages (including without limitation all losses, costs, expenses, inconvenience, lost profits, lost revenues, or similar economic loss), whether in contract, tort, or otherwise, arising out of the use or inability to use the materials available here or in any linked site, even if the failure, error or malfunction was a result of our negligence or the negligence of our employees, agents or representatives; or if we are advised of the possibility thereof, nor for any claim by a third party. We will not be responsible for any loss, damage or personal injury suffered by any person by reason of any act or omission in the course of or in connection with the operation of the ChubbFolio online service.

The materials made available, including materials in linked sites directly or indirectly accessible from here, are provided "AS IS" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. We do not warrant that the materials will be error free, nor free of viruses, defamatory, offensive, or other harmful matter. You assume the entire cost of any necessary service, repair, or correction.

ChubbFolio is made available to you for your personal and non-commercial use, and you agree to use this for client portal for lawful purposes only. You shall not copy, use, modify, transmit, distribute, reverse engineer, or in any way exploit copyrighted or proprietary materials available from here, except as expressly permitted by the respective owner(s) thereof. Use of any software available for downloading is governed by the terms of the applicable license agreement accompanying or included with the software. All trademarks, service marks, and trade names are the marks of the respective owner(s), and any unauthorized use thereof is strictly prohibited.

Information or data contained in this website is not guaranteed to be current, accurate, or complete, and there is no warranty or commitment of any kind to update the information contained herein. The information, data, products, and services described in this website are subject to change without notice. This website is not intended to provide specific individual advice about any topic, including without limitation, insurance. Please consult your own professional advisor about your particular circumstances.

The precise coverage afforded by any insurer is subject to the terms and conditions of the policies as issued. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss and the terms and conditions of the policy issued. No warranties or representations of any kind are made to any party.

You agree to defend, indemnify, and hold us and our affiliates harmless from and against any and all claims, losses, liabilities, damages and expenses (including legal fees) arising out of your use.

7. YOUR RIGHT TO CANCEL

Unless otherwise provided in these Terms of Use or agreed to by us, you may cancel the ChubbFolio online service by contacting the Chubb Customer Care team at 1-888-57-CHUBB (24822) or send an e-mail to ChubbCustomerCare@chubb.com. In all cases, you still must fulfill all your obligations under these Terms of Use.

8. OUR RIGHT TO TERMINATE

We may cancel your ChubbFolio access and password, terminate this Terms of Use Agreement, or suspend or refuse to provide the ChubbFolio online service without notice to you. In all cases, you still must fulfill all of your obligations under this Terms of Use Agreement and your policy. You are not relieved of your obligations until all amounts owed to us, including interest, service charges and costs, have been paid in full. Notwithstanding the foregoing, your insurance policy continues to be in full force and effect until the end of the policy term or until it is cancelled.

9. PRIVACY

We respect the privacy of our customers and keeping your personal information confidential has always been fundamental to the way we do business. In our Privacy Policy we explain why we ask for your personal and financial information, how we protect your records, when we release your information, and how you can view, check and correct it if needed.

Where required by law, customer privacy policies will be attached to your insurance policy. By choosing to receive your policy and related documents electronically, you agree to receive and acknowledge receipt of Chubb privacy policy notices electronically.

By using this site, you signify your consent to Chubb's internet privacy policy. If you do not agree to this policy, please do not use this site.

The privacy of communication over the Internet cannot be guaranteed, because the Internet is not a secure medium. Chubb does not assume any responsibility for any harm, loss, or damage that may be experienced or incurred by the receipt or sending of personal or confidential information over the Internet by or to Chubb.

Further information about the personal information handling policies of Chubb in general may be obtained by consulting Chubb's Privacy Policy.

10. LINKS

The materials that can be accessed from any linked sites are not maintained by us and we are not responsible for the contents thereof. Any reference to a linked site or any specific third party product or service by name does not constitute or imply its endorsement by us, and you assume all risk with respect to its use.

11. COOKIES

Chubb may place an electronic "cookie" in the browser files of a guest's computer. Cookies are pieces of information that a web site transfers to an individual's computer hard drive for identification/record-keeping purposes. Cookies themselves do not enable us to access any personal information about our visitors. Chubb does not use cookies to retrieve information from a visitor's computer that was not originally sent in a cookie.

12. INTELLECTUAL PROPERTY, TRADEMARKS AND COPYRIGHT

No part of the materials made available may be reproduced, stored in a retrieval system, or transmitted, in any form or by any means electronic, mechanical, photocopying, recording, or otherwise without prior written approval.

The terms of use related to copyright, trademarks, service marks, trade names, and/or all other materials of a proprietary nature shall be governed in accordance with the laws of the state of New Jersey, U.S.A., excluding its conflict of laws provisions. All other terms of use shall be governed in accordance with the laws of the Province of Ontario, Canada and all Federal laws of Canada applicable therein, excluding any conflict of laws provisions. We reserve the right to add, delete, or modify any or all terms of use at any time with or without notice.

Any information at this site about The Chubb Corporation is used with the permission of The Chubb Corporation.

13. GOVERNING LAW

Any products or services described on this website are available only in provinces and territories of Canada, or other jurisdictions, where they may be legally offered. Nothing on this website is 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. The laws of the Province of Ontario and the federal laws of Canada applicable therein shall govern as to the interpretation, validity and effect of this agreement and any use of this Web site. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the Province of Ontario in any action or proceeding instituted under or related to this agreement or your use of this Web site.

14. CONTACT US IF YOU HAVE A PROBLEM OR CONCERN

Tell us about your problem or concern in the way that is most convenient for you. You may contact the Chubb Customer Care team at 1-888-57-CHUBB (24822) or send an e-mail to ChubbCustomerCare@chubb.com. As a next step, if your concern remains unresolved, we will offer to elevate your problem as set out in our Chubb’s Customer Advocate and Appeal Process.

15. PRINTING THIS AGREEMENT

To print these Terms of Use, click "PRINT" located after the end of these Terms of Use. A printed version of these Terms of Use and of any notice in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these Terms of Use to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

BY CHOOSING TO RECEIVE CHUBB SECURE ONLINE DOCUMENTS, YOU AGREE YOU HAVE READ, ACKNOWLEDGED AND UNDERSTOOD THE ABOVE STIPULATIONS

For a printer friendly version of the complete Terms of Use, click here.