Terms of Service

1. Acceptance of these terms

By accessing or using LIIMRA's website at liimra.ca or any related sub-domain (the "Site"), you agree to these Terms of Service ("Terms"). If you do not agree, do not use the Site.

These Terms govern Site use only. Research, evaluation, advisory, or analytics engagements are governed by a separate written engagement agreement signed by both parties. Where there is a conflict between the engagement agreement and these Terms, the engagement agreement controls.

2. Permitted use

You may use the Site for lawful personal or business purposes consistent with these Terms. You agree not to:

• Interfere with or disrupt the Site, its servers, or networks connected to it.
• Attempt to gain unauthorised access to any portion of the Site or related systems.
• Use any automated means (bots, scrapers, crawlers) to access the Site, except for well-behaved search-engine indexing in accordance with our robots.txt.
• Reproduce, distribute, or create derivative works of LIIMRA materials except as expressly permitted.
• Use the Site to harass, defame, infringe rights, or transmit unlawful content.

3. Content and intellectual property

All content on the Site — including text, methodology notes, briefs, charts, visualisations, photographs, illustrations, code, and the LIIMRA name and logo — is owned by LIIMRA Data & Analytics or licensed to us, and is protected by Canadian and international copyright, trademark, and other intellectual-property laws.

You may view and download a single copy of publicly available materials for personal, non-commercial reference. Any other use — including republication, redistribution, training of AI/ML models, or use in derivative works — requires our prior written permission.

4. Third-party services and links

The Site may contain links to third-party websites or services. Those are provided for convenience only. We do not endorse and are not responsible for third-party content, terms, or privacy practices. Your use of any third-party service is at your own risk and subject to that service's terms.

5. Briefing and contact submissions

Information you submit via our contact or briefing intake forms is handled in accordance with our Privacy Policy. Do not submit highly sensitive personal information, regulated data, or confidential client information through these forms. For engagements requiring those data classifications, contact us to establish a secure intake channel under an engagement agreement.

6. Commercial electronic messages

LIIMRA complies with Canada's Anti-Spam Legislation (CASL). We send commercial electronic messages only with express or implied consent and include a working unsubscribe mechanism. If you receive a message in error or wish to unsubscribe, reply with "unsubscribe" or use the link provided.

7. Disclaimer of warranties

The Site and all content are provided "as is" and "as available." LIIMRA disclaims all warranties of any kind, whether express, implied, statutory, or otherwise — including warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy — to the maximum extent permitted by law.

Information published on the Site is for general informational purposes. It does not constitute professional advice. Engaging LIIMRA for an evaluation, study, or advisory work requires a written engagement agreement that defines scope, methodology, and deliverables.

8. Limitation of liability

To the maximum extent permitted by law, LIIMRA, its directors, officers, employees, and contractors shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages — including loss of profits, revenue, data, or use — arising from or related to your use of the Site, even if advised of the possibility of such damages.

To the extent any liability cannot be excluded, our aggregate liability arising from or related to your use of the Site is limited to the greater of CAD $100 or any amount you have paid us for use of the Site in the 12 months immediately preceding the event giving rise to the claim.

9. Indemnification

You agree to indemnify and hold harmless LIIMRA and its representatives from any claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising from your breach of these Terms, your misuse of the Site, or your violation of any law or third-party right.

10. Termination

We may suspend or terminate your access to the Site at any time, with or without notice, for any reason, including breach of these Terms. Sections that by their nature should survive termination — including content ownership, disclaimers, limitation of liability, indemnification, and governing law — will survive.

11. Governing law and jurisdiction

These Terms are governed by the laws of the Province of Alberta and the federal laws of Canada applicable therein, without regard to conflict-of-laws principles. You agree to the exclusive jurisdiction of the courts located in Edmonton, Alberta for any dispute arising from or related to these Terms or your use of the Site.

12. Changes to these Terms

We may update these Terms from time to time. Material changes will be posted on this page with a revised "Last updated" date. Your continued use of the Site after changes take effect constitutes acceptance of the updated Terms.

13. Contact

Questions about these Terms can be sent to info@liimra.ca with the subject "Terms inquiry".