{"id":1363,"date":"2026-06-09T09:35:43","date_gmt":"2026-06-09T13:35:43","guid":{"rendered":"https:\/\/xodusnb.wpenginepowered.com\/?page_id=1363"},"modified":"2026-06-18T15:00:21","modified_gmt":"2026-06-18T19:00:21","slug":"legal-policies","status":"publish","type":"page","link":"https:\/\/northbridgetravel.ca\/fr\/legal-policies\/","title":{"rendered":"Legal Policies"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1363\" class=\"elementor elementor-1363\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b4c137e e-flex e-con-boxed e-con e-parent\" data-id=\"b4c137e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6019d76 elementor-widget__width-initial elementor-widget-tablet_extra__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6019d76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h1>Legal Policies<\/h1><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f5ac170 elementor-widget__width-inherit elementor-widget-tablet_extra__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"f5ac170\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Legal information about Northbridge Insurance including Terms and Conditions and trademark information.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0b0f39 nbi-accordion elementor-widget elementor-widget-n-accordion\" data-id=\"d0b0f39\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"accessibility\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2180\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2180\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Accessibility Standards Policy <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2180\" class=\"elementor-element elementor-element-115e147 e-con-full e-flex e-con e-child\" data-id=\"115e147\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-675a30f elementor-widget elementor-widget-text-editor\" data-id=\"675a30f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>At Northbridge, we want to provide an open and accessible environment for everyone who works at or visits our offices. It\u2019s our policy to follow the principles of dignity, independence, integration and equal opportunity that are outlined in the Accessibility for Ontarians with Disabilities Act, 2005 (AODA).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a4b3a1 elementor-widget elementor-widget-text-editor\" data-id=\"0a4b3a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>The Accessibility Standards Policy that we\u2019ve put in place applies to:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1523408 elementor-widget elementor-widget-text-editor\" data-id=\"1523408\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Employees<\/li><li>Volunteers<\/li><li>Agents and\/or contractors who deal with the public or other third parties representing Northbridge<\/li><li>Anyone who takes part in the development of Northbridge\u2019s policies, practices and procedures<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9fcc11c elementor-widget elementor-widget-text-editor\" data-id=\"9fcc11c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>In keeping with the principles behind our Accessibility Standards Policy, we\u2019ll make an effort to:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-84535c3 elementor-widget elementor-widget-text-editor\" data-id=\"84535c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Ensure that all individuals receive the same value and quality of service.<\/li><li>Enable individuals with disabilities to do things they need to do, at their own pace, as long as it doesn\u2019t present a safety risk.<\/li><li>Find alternative ways to ensure that individuals with disabilities have access to the same services, in the same place and in a similar manner. We\u2019ll provide adequate notice if there are any service disruptions that might temporarily prevent access.<\/li><li>Take individual needs into account.<\/li><li>Communicate with the individual\u2019s disability in mind.<\/li><li>Ensure that job accommodations are provided for employees with disabilities.<\/li><li>Ensure that accessibility will be considered during all phases of the employment relationship, including performance management and career development.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4395f81 elementor-widget elementor-widget-text-editor\" data-id=\"4395f81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We\u2019ll provide training to all current and new staff members to ensure that accessibility continues to be an integral part of our daily business operations.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b9ea03 elementor-widget elementor-widget-text-editor\" data-id=\"7b9ea03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>If assistance is required<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46b87cb elementor-widget elementor-widget-text-editor\" data-id=\"46b87cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Individuals with disabilities are welcome to use their own assistive devices, support people or service animals in our offices. If there\u2019s a safety issue or other concern, we\u2019ll work with the individual to provide an alternative solution.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc94d30 elementor-widget elementor-widget-text-editor\" data-id=\"dc94d30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Temporary disruptions<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c185bd elementor-widget elementor-widget-text-editor\" data-id=\"4c185bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Should a temporary disruption prevent individuals with disabilities from accessing our offices or our services, we\u2019ll provide updates on our website or by posting notices on our premises.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f12505c elementor-widget elementor-widget-text-editor\" data-id=\"f12505c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Your feedback is important<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9705d90 elementor-widget elementor-widget-text-editor\" data-id=\"9705d90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You can help us make sure that we\u2019re living up to the standards of our accessibility policy by providing us with your feedback. We are happy to provide accessible formats and communication support upon request. Please contact our Human Resources department at <a style=\"text-decoration: underline;\" href=\"tel:416.350.4400\">416.350.4400<\/a> or email us at <a style=\"text-decoration: underline;\" href=\"mailto:peoplesupport@nbfc.com\">peoplesupport@nbfc.com.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cfc1f6f elementor-widget elementor-widget-text-editor\" data-id=\"cfc1f6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You can also reach us by regular mail at:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4e39bf elementor-widget elementor-widget-text-editor\" data-id=\"b4e39bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Northbridge Place<br \/>People and Culture Department<br \/>105 Adelaide St. W.<br \/>Toronto ON<br \/>M5H 1P9<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f1226c elementor-widget elementor-widget-text-editor\" data-id=\"7f1226c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Alternatively, you may contact us by any of the means noted above to request a copy of this policy in a format that takes into account any disability you may have.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d16a4f7 elementor-widget elementor-widget-text-editor\" data-id=\"d16a4f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.northbridgeinsurance.ca\/wp-content\/uploads\/2014\/06\/AODA-Policy-En.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">Click here to download a PDF of our accessibility policy<\/span><\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-679f8ff elementor-widget elementor-widget-text-editor\" data-id=\"679f8ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Any complaints with respect to this policy or Northbridge\u2019s execution of this policy may be sent to Northbridge\u2019s Complaints Liaison Officer\/Ombudsman. The Complaints Liaison Officer\/Ombudsman\u2019s contact details and the process for the handling of such complaints may be found in our Complaints Handling Protocol. <a style=\"text-decoration: underline;\" href=\"https:\/\/www.northbridgeinsurance.ca\/about\/contact-us\/\" target=\"_blank\" rel=\"noopener\">Click here<\/a> for our Complaints Handling protocol.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e2dd50 nbi-accordion elementor-widget elementor-widget-n-accordion\" data-id=\"3e2dd50\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"fraud\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6510\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6510\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Report Insurance Fraud <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6510\" class=\"elementor-element elementor-element-536b773 e-con-full e-flex e-con e-child\" data-id=\"536b773\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-976cd69 elementor-widget elementor-widget-text-editor\" data-id=\"976cd69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Insurance fraud costs everyone. The resulting increase in the cost of insurance premiums is everyone\u2019s concern. If you are aware of someone making false insurance claims, or someone attempting to make a few extra dollars by padding a legitimate claim, take the time to report the issue here. All tips are anonymous unless you would like to provide your name and contact information to discuss the issue in further detail. All personal information is collected in accordance with our Privacy Policy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0dee21b elementor-widget__width-initial elementor-widget-tablet__width-inherit elementor-button-align-start elementor-widget elementor-widget-form\" data-id=\"0dee21b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;step_type&quot;:&quot;none&quot;,&quot;step_icon_shape&quot;:&quot;none&quot;,&quot;button_width&quot;:&quot;100&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" id=\"insurance_fraud_form\" name=\"Report Insurance Fraud Form\" aria-label=\"Report Insurance Fraud Form\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"1363\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"0dee21b\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"\" \/>\n\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tFull name (not required)\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-md  elementor-field-textual\" placeholder=\"Andrew Parker\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tE-mail (not required)\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-md  elementor-field-textual\" placeholder=\"john@company.com\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-message elementor-col-100 elementor-field-required elementor-mark-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-message\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tWhat would you like us to know? (required)\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<textarea class=\"elementor-field-textual elementor-field  elementor-size-md\" name=\"form_fields[message]\" id=\"form-field-message\" rows=\"4\" placeholder=\"Please provide any details necessary to our investigation. *\" required=\"required\"><\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-html elementor-field-group elementor-column elementor-field-group-field_947b614 elementor-col-100\">\n\t\t\t\t\t<script>document.querySelector(\"#form-field-message\").setAttribute(\"maxlength\",5000)<\/script>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Send<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a675d93 nbi-accordion elementor-widget elementor-widget-n-accordion\" data-id=\"a675d93\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"terms\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1740\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1740\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Terms &amp; Conditions <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1740\" class=\"elementor-element elementor-element-fb47f45 e-con-full e-flex e-con e-child\" data-id=\"fb47f45\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-86e9df2 elementor-widget elementor-widget-text-editor\" data-id=\"86e9df2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Overview<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1cc85f4 elementor-widget elementor-widget-text-editor\" data-id=\"1cc85f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Use of this website is subject to the following terms and conditions. Your use of the website constitutes acceptance of these terms and conditions. If you do not agree to these terms and conditions, do not access this website.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75ac6b3 elementor-widget elementor-widget-text-editor\" data-id=\"75ac6b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Disclaimer<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-706b092 elementor-widget elementor-widget-text-editor\" data-id=\"706b092\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Northbridge Financial Corporation and its affiliates, subsidiaries, directors, employees or agents (\u201cNorthbridge\u201d) provide this website for informational purposes only. The content of this website has been compiled in good faith by Northbridge. However, all information is provided \u201cas is\u201d without any warranties of any kind and Northbridge assumes no responsibility to you or any third party for the consequences of any errors or omissions. This website could contain inaccuracies or typographical errors. Any user who accesses this website does so solely at his or her own risk. The content provided in this website may be changed at any time without notice. Changes may be made to these terms and conditions at any time without notice by updating this posting. You agree to review these terms and conditions regularly and your continued use or access of the website will mean that you agree to any changes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-853aac9 elementor-widget elementor-widget-text-editor\" data-id=\"853aac9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Insurers<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89f86fa elementor-widget elementor-widget-text-editor\" data-id=\"89f86fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Travel insurance policies are insured by <strong>Northbridge General Insurance Corporation<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a5949e1 elementor-widget elementor-widget-text-editor\" data-id=\"a5949e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Cookies<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb4a5e3 elementor-widget elementor-widget-text-editor\" data-id=\"bb4a5e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Northbridge uses cookies, tracking tools, other technologies to recognize you when you return to our website, to personalize content, to gather analytics and information about your use of our website, to enable the functionality of certain features of our website, to maintain, monitor, protect and improve the website and to integrate third-party services into our website.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6665d0 elementor-widget elementor-widget-text-editor\" data-id=\"f6665d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You can change your opt-in preferences at any time by clicking\u00a0<span style=\"text-decoration: underline;\"><a class=\"cookie-settings-link\" style=\"cursor: pointer; color: #1c8285; text-decoration: underline;\">Cookie Preferences<\/a><\/span>\u00a0at the bottom of the page.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cbf7313 elementor-widget elementor-widget-text-editor\" data-id=\"cbf7313\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Limitation of Liability<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-047090e elementor-widget elementor-widget-text-editor\" data-id=\"047090e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In no event will Northbridge be liable for any damages, including without limitation, direct, indirect, special, incidental, moral or consequential damages, loss of profits, opportunities or information or for expenses arising in connection with this website, with any software available on this website, with any hyperlinked website or for use thereof or inability to use by interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Northbridge is advised of the possibility of such damages, losses or expenses.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29650cb elementor-widget elementor-widget-text-editor\" data-id=\"29650cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>No Advice<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e25bd1 elementor-widget elementor-widget-text-editor\" data-id=\"4e25bd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This website is not intended to provide specific insurance or other advice for any individual or business entity and should not be relied on for such advice. Persons seeking insurance or other advice should contact a licensed professional, such as their insurance broker, who can take their individual circumstances into account.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab29b72 elementor-widget elementor-widget-text-editor\" data-id=\"ab29b72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Information about Products and Services<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6857535 elementor-widget elementor-widget-text-editor\" data-id=\"6857535\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The descriptions of the various products and services offered by Northbridge contained in this website are provided solely for general informational purposes. No offer is made or intended to be made on this website. The information and descriptions contained in this website are not intended to be complete descriptions of all terms, conditions and exclusions applicable to the products and services. In all cases, products and services are governed by the terms, conditions and exclusions of the actual policy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53dcbe6 elementor-widget elementor-widget-text-editor\" data-id=\"53dcbe6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Products and services mentioned in this website are available only in Canada, in jurisdictions where they may be legally offered. Not all products and services are necessarily available throughout Canada.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04895ea elementor-widget elementor-widget-text-editor\" data-id=\"04895ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Third Party Links<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1874ac5 elementor-widget elementor-widget-text-editor\" data-id=\"1874ac5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Northbridge provides links to third party websites only as a convenience and does not control such websites and is therefore not responsible for the content of any such website. The inclusion of any link by Northbridge does not imply endorsement, investigation or verification by Northbridge of the linked website or the material contained therein. Your access and use of any third-party websites, including the information, material, products and services contained therein are solely at your own risk.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a26a724 elementor-widget elementor-widget-text-editor\" data-id=\"a26a724\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Copyright<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4ad579 elementor-widget elementor-widget-text-editor\" data-id=\"b4ad579\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>All materials published, downloaded or otherwise hosted on this website, including, but not limited to, software, articles, text, information, reports, newsletters, data, web pages, HTML, scripts, code, Java, images, and all other content including the manner in which they appear or are displayed or presented (the \u201cContent\u201d) are protected by copyright laws, and\/or other intellectual property laws including, without limitation, trademark laws and are owned by Northbridge, its affiliates, its licensors or the party credited as the provider of the Content. In addition, this website as a whole is protected by copyright law as a collective work and\/or compilation, pursuant to Canadian copyright laws, international conventions and other copyright laws. You must abide by all copyright notices and restrictions contained in any Content.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1451a61 elementor-widget elementor-widget-text-editor\" data-id=\"1451a61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Restrictions on Use<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-228627b elementor-widget elementor-widget-text-editor\" data-id=\"228627b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You agree that you will not: (i) develop, support, or use software, devices, scripts, robots, scrapers, crawlers, plugins, add-ons, harvesters, spiders or any other automated device, technology, manual work, means or processes to scrape or access or use the website for any purpose other than web indexing; (ii) use the website for any unlawful, unauthorized, fraudulent, or malicious purpose; (iii) use the website in a way that could damage, disable, overburden, or impair any server or the network(s) connected to any server; (iv) use the website in any way that could interfere with any other party\u2019s use and enjoyment of the website; or (v) use the website for any use other than the purpose for which it was intended.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-387c769 elementor-widget elementor-widget-text-editor\" data-id=\"387c769\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Jurisdiction<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dfdbba2 elementor-widget elementor-widget-text-editor\" data-id=\"dfdbba2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This website is controlled by Northbridge from its offices within the Province of Ontario, Canada. The website will be governed by and construed in accordance with the laws of the Province of Ontario and the laws of Canada applicable therein, without giving effect to any principles of conflicts of laws. All disputes, controversies or claims arising out of or in connection with the website shall be submitted to and be subject to the jurisdiction of the courts of the Province of Ontario. You submit and attorn to the exclusive jurisdiction of the courts of the Province of Ontario to finally adjudicate or determine any suit, action or proceeding arising out of or in connection with the website.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb20e48 elementor-widget elementor-widget-text-editor\" data-id=\"eb20e48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Financial Information<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c8ef8e elementor-widget elementor-widget-text-editor\" data-id=\"6c8ef8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tFinancial information for Northbridge Insurance is available through the <a href=\"https:\/\/www.osfi-bsif.gc.ca\/en\/data-forms\/financial-data\/financial-data-property-casualty-companies\" target=\"_blank\">Office of the Superintendent of Financial Institutions.<\/a> You may examine a paper copy of Northbridge Insurance\u2019s most recent financial statements by visiting their office in British Columbia during business hours.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4577b88 nbi-accordion elementor-widget elementor-widget-n-accordion\" data-id=\"4577b88\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"trademarks\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7280\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7280\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Trademark Information <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7280\" class=\"elementor-element elementor-element-8580b37 e-con-full e-flex e-con e-child\" data-id=\"8580b37\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8deb2e0 elementor-widget elementor-widget-text-editor\" data-id=\"8deb2e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Certain names, words, titles, phrases, logos, icons, graphics, designs or other content displayed on this website are trademarks and tradenames of Northbridge Financial Corporation or its affiliates (\u201c<strong>Northbridge<\/strong>\u201d), registered or unregistered and used in Canada or in other countries, as the case may be, and represent only part of the intellectual property of Northbridge. All trademarks and tradenames are used under license from their owner.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e419d99 elementor-widget elementor-widget-text-editor\" data-id=\"e419d99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Certain names, words, titles, phrases, logos, icons, graphics, designs or other content displayed on this website may constitute trademarks or tradenames, registered or unregistered, of third parties and are used under license or with permission. All trademarks and tradenames are and will remain the sole and exclusive property of their respective owners. For more information on third party trademarks or tradenames please see \u201cThird Party Trademarks\u201d below.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-20bcdbe elementor-widget elementor-widget-text-editor\" data-id=\"20bcdbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Except for the above described licenses or permissions, the display of trademarks and tradenames on this website does not imply that a license of any kind has been granted to anyone else, whether by estoppel, implication or otherwise. Website users are not permitted to use these marks or names without express consent from Northbridge or the third-party owner, as applicable. Any unauthorized use, downloading, re-transmission, or other copying or modification of trademarks, tradenames or the content displayed on this website is strictly prohibited and may be a violation of federal, provincial or other law that may apply to trademarks and\/or copyrights and give rise to legal action. Northbridge will take appropriate legal action to enforce its rights, as Northbridge determines to be necessary or advisable in its sole and absolute discretion.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4130a2d elementor-widget elementor-widget-text-editor\" data-id=\"4130a2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Without limiting the generality of the foregoing, trademarks owned by Northbridge include the following:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ca8395 elementor-widget elementor-widget-text-editor\" data-id=\"7ca8395\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Word Trademarks<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-510c474 elementor-widget elementor-widget-text-editor\" data-id=\"510c474\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\">Northbridge Assurance<\/li><li style=\"font-weight: 400;\">Northbridge Insurance<\/li><li style=\"font-weight: 400;\">Northbridge<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-967eaea elementor-widget elementor-widget-text-editor\" data-id=\"967eaea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Design Trademarks<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7280\" class=\"elementor-element elementor-element-b976250 e-grid e-con-full e-con e-child\" data-id=\"b976250\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7280\" class=\"elementor-element elementor-element-e2265b8 e-con-full e-flex e-con e-child\" data-id=\"e2265b8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-06e1e43 elementor-widget elementor-widget-image\" data-id=\"06e1e43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"751\" height=\"157\" src=\"https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbi-hor-en.png\" class=\"attachment-large size-large wp-image-1377\" alt=\"Northbridge Insurance Logo\" srcset=\"https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbi-hor-en.png 751w, https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbi-hor-en-300x63.png 300w, https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbi-hor-en-18x4.png 18w\" sizes=\"(max-width: 751px) 100vw, 751px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7280\" class=\"elementor-element elementor-element-bef69af e-con-full e-flex e-con e-child\" data-id=\"bef69af\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f1d3485 elementor-widget elementor-widget-image\" data-id=\"f1d3485\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"749\" height=\"157\" src=\"https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbi-hor-fr.png\" class=\"attachment-large size-large wp-image-1378\" alt=\"\u00ab Logo \u00bb Northbridge Assurance\" srcset=\"https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbi-hor-fr.png 749w, https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbi-hor-fr-300x63.png 300w, https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbi-hor-fr-18x4.png 18w\" sizes=\"(max-width: 749px) 100vw, 749px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7280\" class=\"elementor-element elementor-element-27a401b e-con-full e-flex e-con e-child\" data-id=\"27a401b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46b1ad0 elementor-widget elementor-widget-image\" data-id=\"46b1ad0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"427\" height=\"262\" src=\"https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbi-stacked-en.png\" class=\"attachment-large size-large wp-image-1380\" alt=\"Northbridge Insurance Logo\" srcset=\"https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbi-stacked-en.png 427w, https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbi-stacked-en-300x184.png 300w, https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbi-stacked-en-18x12.png 18w\" sizes=\"(max-width: 427px) 100vw, 427px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7280\" class=\"elementor-element elementor-element-731f91a e-con-full e-flex e-con e-child\" data-id=\"731f91a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-86d8280 elementor-widget elementor-widget-image\" data-id=\"86d8280\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"431\" height=\"262\" src=\"https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbi-stacked-fr.png\" class=\"attachment-large size-large wp-image-1381\" alt=\"\u00ab Logo \u00bb Northbridge Assurance\" srcset=\"https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbi-stacked-fr.png 431w, https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbi-stacked-fr-300x182.png 300w, https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbi-stacked-fr-18x12.png 18w\" sizes=\"(max-width: 431px) 100vw, 431px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7280\" class=\"elementor-element elementor-element-9266f10 e-con-full e-flex e-con e-child\" data-id=\"9266f10\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c230946 elementor-widget elementor-widget-image\" data-id=\"c230946\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"694\" height=\"220\" src=\"https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbfairfax-en.png\" class=\"attachment-large size-large wp-image-1375\" alt=\"Northbridge a Fairfax Company Logo\" srcset=\"https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbfairfax-en.png 694w, https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbfairfax-en-300x95.png 300w, https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbfairfax-en-18x6.png 18w\" sizes=\"(max-width: 694px) 100vw, 694px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7280\" class=\"elementor-element elementor-element-b755485 e-con-full e-flex e-con e-child\" data-id=\"b755485\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c6b939d elementor-widget elementor-widget-image\" data-id=\"c6b939d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"694\" height=\"220\" src=\"https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbfairfax-fr.png\" class=\"attachment-large size-large wp-image-1376\" alt=\"Logo \u00ab\u2009Northbridge, Une soci\u00e9t\u00e9 de Fairfax\u2009\u00bb\" srcset=\"https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbfairfax-fr.png 694w, https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbfairfax-fr-300x95.png 300w, https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbfairfax-fr-18x6.png 18w\" sizes=\"(max-width: 694px) 100vw, 694px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7280\" class=\"elementor-element elementor-element-f15ea6f e-con-full e-flex e-con e-child\" data-id=\"f15ea6f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c1671bb elementor-widget elementor-widget-image\" data-id=\"c1671bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbi-icon.png\" class=\"attachment-large size-large wp-image-1379\" alt=\"Northbridge Icon\" srcset=\"https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbi-icon.png 512w, https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbi-icon-300x300.png 300w, https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbi-icon-150x150.png 150w, https:\/\/northbridgetravel.ca\/wp-content\/uploads\/2026\/06\/tm-nbi-icon-12x12.png 12w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c08442 elementor-widget elementor-widget-text-editor\" data-id=\"9c08442\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Third-Party Trademarks<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d78911 elementor-widget elementor-widget-text-editor\" data-id=\"0d78911\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Xodus Travel Services and its logo are trademarks of Xodus Travel Services Inc.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b72bba nbi-accordion elementor-widget elementor-widget-n-accordion\" data-id=\"7b72bba\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"privacy\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1290\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1290\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Privacy Policy <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1290\" class=\"elementor-element elementor-element-59495e9 e-con-full e-flex e-con e-child\" data-id=\"59495e9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c4392e elementor-widget elementor-widget-text-editor\" data-id=\"5c4392e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The Northbridge group of companies is committed to protecting your personal information, and has created this Privacy Policy to provide you with information about its privacy practices. This Privacy Policy applies to all of the member companies of Northbridge, including Northbridge Financial Corporation and Northbridge General Insurance Corporation. In this Privacy Policy, the words \u201cyou\u201d and \u201cyour\u201d mean any person who has requested a product or service from us, and the words \u201cNorthbridge\u201d, \u201cwe\u201d, \u201cus\u201d and \u201cour\u201d mean the Northbridge group of companies.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c910d5f elementor-widget elementor-widget-text-editor\" data-id=\"c910d5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Collection, Use and Disclosure of Personal Information<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ab678c elementor-widget elementor-widget-text-editor\" data-id=\"1ab678c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>At Northbridge, we collect, use and disclose your personal information for the following purposes:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3037b10 elementor-widget elementor-widget-text-editor\" data-id=\"3037b10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>offering and providing products and services to meet your needs;<\/li><li>establishing and maintaining communications with you;<\/li><li>verifying personal information you provide in your application;<\/li><li>assessing and underwriting risks on a prudent basis;<\/li><li>performing safety assessments;<\/li><li>determining insurance product prices<\/li><li>investigating and settling claims;<\/li><li>detecting and preventing fraud or other illegal activities;<\/li><li>analyzing business results and compiling statistics;<\/li><li>conducting market research;<\/li><li>improving and tracking the effectiveness of our marketing campaigns;<\/li><li>reporting to regulatory or industry entities;<\/li><li>acting as required or authorized by law.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9719ff3 elementor-widget elementor-widget-text-editor\" data-id=\"9719ff3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>These are our \u201cIdentified Purposes\u201d.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3389dcb elementor-widget elementor-widget-text-editor\" data-id=\"3389dcb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We only collect, use and disclose your personal information for our Identified Purposes. When we collect your personal information, we are doing so not just for any one of the Identified Purposes, but for all of the Identified Purposes. For example, personal information we initially use for the purpose of underwriting your policy may subsequently be used for the purpose of investigating and settling your claim. Similarly, personal information we initially use for the purpose of investigating and settling your claim may subsequently be used for the purpose of underwriting your policy renewal. Should we wish to collect, use or disclose your personal information for a new purpose, we will explain the new purpose to you and obtain your consent before the information is collected, used or shared. We will only collect your personal information by fair and lawful means, and will not collect, use, disclose or retain your personal information without a valid reason for doing so.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e31ea0a elementor-widget elementor-widget-text-editor\" data-id=\"e31ea0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Types of Personal Information Collected<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bfca376 elementor-widget elementor-widget-text-editor\" data-id=\"bfca376\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Personal information is information about an identifiable individual.\u00a0 The type of personal information that we collect and use depends upon the nature of your relationship with us, and may include:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70b2865 elementor-widget elementor-widget-text-editor\" data-id=\"70b2865\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>name, address, e-mail address, and telephone number;<\/li><li>date of birth, gender, family and marital status;<\/li><li>banking information;<\/li><li>medical and health information;<\/li><li>policy type and number.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ba52c6 elementor-widget elementor-widget-text-editor\" data-id=\"7ba52c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Consent<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-051cc8e elementor-widget elementor-widget-text-editor\" data-id=\"051cc8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Your knowledge and consent are required before we may collect, use or disclose your personal information, except in situations permitted by the law, such as during a fraud investigation, or where we are required to disclose information by court order.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cca7314 elementor-widget elementor-widget-text-editor\" data-id=\"cca7314\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You may provide your consent in a variety of ways. By dealing with us on insurance related matters, you provide us with your implied consent for the collection, use, and disclosure of personal information necessary for the Identified Purposes. For example, you provide your implied consent when you request a quote or apply for insurance with us, or when you voluntarily provide personal information to us through your insurance provider.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ec8f60 elementor-widget elementor-widget-text-editor\" data-id=\"0ec8f60\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Consent can also be given by one individual on behalf of another individual. For example, where an individual applies for insurance for themselves and their family, the applicant is giving consent for the collection, use, and disclosure of personal information both for themselves and their family members even though the family members are not present during the application process.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-767b062 elementor-widget elementor-widget-text-editor\" data-id=\"767b062\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>While we may rely on implied consent in certain circumstances, we will not collect, use or disclose your medical and health information, or your banking information, without your express written or verbal consent.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ce1121 elementor-widget elementor-widget-text-editor\" data-id=\"3ce1121\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You may withdraw your consent, subject to legal or contractual obligations and on reasonable notice, but this may limit our ability to provide you with the requested product or service. In the event that you wish to withdraw your consent, you should contact our Chief Privacy Officer for information regarding the implications of such withdrawal, and then if you choose to proceed, give the requisite notice.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a56e25d elementor-widget elementor-widget-text-editor\" data-id=\"a56e25d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Maintaining Accurate Information<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03525cc elementor-widget elementor-widget-text-editor\" data-id=\"03525cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Northbridge will ensure that your personal information is as accurate, complete and up-to-date as is necessary for our Identified Purposes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa14c36 elementor-widget elementor-widget-text-editor\" data-id=\"fa14c36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Protecting your Privacy<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-421471c elementor-widget elementor-widget-text-editor\" data-id=\"421471c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We are committed to protecting your privacy. We maintain physical, electronic and procedural safeguards to protect your personal information from unauthorized access.\u00a0 We review our policies and practices, monitor our computer networks, test the strength of our security, and monitor our compliance with relevant laws in order to help us ensure the safety of your personal information. We restrict access to your personal information to those employees whom we have determined need to know that information to provide products or services to you. All employees of Northbridge are required to comply with this Privacy Policy.\u00a0 Employees who violate this Privacy Policy are subject to disciplinary measures.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa9b71c elementor-widget elementor-widget-text-editor\" data-id=\"fa9b71c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As part of maintaining our relationship with you, we may share your personal information within the Northbridge group of companies, but only for the Identified Purposes, and in accordance with this Privacy Policy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fbd27bb elementor-widget elementor-widget-text-editor\" data-id=\"fbd27bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We may also disclose your personal information to third parties in accordance with our Identified Purposes. For example, as part of the underwriting handling process, we may transfer personal information to other insurance companies including reinsurance companies which share in the risk. Additionally, personal information may be disclosed to government agencies, brokers or agents, other insurers or insurance reporting agencies for underwriting, claims, classification and rating purposes. We may also disclose personal information to businesses that provide goods and services to insurance companies and their customers. If we discover that third parties are improperly handling your personal information, we will take appropriate action to protect your personal information.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad4eb22 elementor-widget elementor-widget-text-editor\" data-id=\"ad4eb22\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We may use service providers located outside of Canada to collect, use, disclose or store personal information. Where we do so, we will contractually require such third party to employ the appropriate security safeguards to protect your personal information, subject to the law in the third party jurisdiction. While the personal information is in another jurisdiction it may be accessed by the courts, law enforcement and national security authorities of that jurisdiction. The jurisdictions where personal information may be collected, used, disclosed and stored include the United States of America. To obtain further information about our policies and practices with respect to privacy, you may contact our Chief Privacy Officer as indicated below.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb12531 elementor-widget elementor-widget-text-editor\" data-id=\"eb12531\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We may collect and use information about your relationship with us to help decide which ads or offers to present to you and to identify other people with similar interests on the web-based platforms and applications of companies who help us advertise. For example, we may match your masked contact information with web-based platforms or applications and, if you are a user of that platform or application, use it to show you or others with similar interests our ads. Those applications may track how you interact with our ads. We will not do this if you have opted out of receiving marketing from Northbridge or have opted out of relationship-based ads with your platform or application accounts.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbbe7f5 elementor-widget elementor-widget-text-editor\" data-id=\"bbbe7f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You can view your settings and opt-out of receiving relationship-based ads by updating your settings on your used web-based platforms and applications.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b48c996 elementor-widget elementor-widget-text-editor\" data-id=\"b48c996\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Web-based applications and platforms may include, but are not limited to, social media and communication platforms, search and browsing tools, entertainment and shopping services, applications and devices, and cloud and productivity services.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2362592 elementor-widget elementor-widget-text-editor\" data-id=\"2362592\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you conclude your relationship with us, we will continue to safeguard the privacy of your personal information in accordance with this policy and as required by law. Your personal information will be retained by us only as long as it is needed, or to meet any legal, regulatory or tax requirements.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f200bf elementor-widget elementor-widget-text-editor\" data-id=\"6f200bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Accessing your Personal Information<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae8f35a elementor-widget elementor-widget-text-editor\" data-id=\"ae8f35a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You have the right to access your personal information that is in our possession or under our control in order to verify the accuracy and completeness of the personal information.\u00a0 To request access, please send your written request to Northbridge\u2019s Chief Privacy Officer.\u00a0 We will respond to your request within thirty days or advise you if additional time is required to respond to your request.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5881f06 elementor-widget elementor-widget-text-editor\" data-id=\"5881f06\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There may be situations in which we are legally prohibited from allowing you access to your personal information.\u00a0 If this is the case, we will advise you of why, subject to any legal restrictions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a932faf elementor-widget elementor-widget-text-editor\" data-id=\"a932faf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We may charge you for providing access to your personal information; however we will only do so after first advising you of the approximate cost.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ebea40 elementor-widget elementor-widget-text-editor\" data-id=\"0ebea40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you believe that any of your personal information is incorrect, you can request that it be amended.\u00a0 We will amend personal information that is demonstrated to be inaccurate or incomplete and will make reasonable efforts to advise other parties to whom we have supplied your personal information of corrections that are needed.\u00a0 There is no charge for verifying and correcting information.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03a8c6b elementor-widget elementor-widget-text-editor\" data-id=\"03a8c6b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Contacting Us<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0f3e45 elementor-widget elementor-widget-text-editor\" data-id=\"c0f3e45\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">If you have a question, complaint, or wish to provide feedback regarding our Privacy Policy or procedures, please contact our Chief Privacy Officer, Paul Krpan:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fe3d42f elementor-widget elementor-widget-text-editor\" data-id=\"fe3d42f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\"><strong>Paul Krpan<\/strong><br \/><em>Chief Privacy Officer<\/em><br \/>Northbridge Financial Corporation<br \/>105 Adelaide Street West<br \/>Toronto, Ontario<br \/>M5H 1P9<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b60b09a elementor-widget elementor-widget-text-editor\" data-id=\"b60b09a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Toll Free:\u00a0<a style=\"text-decoration: underline;\" href=\"tel:1.800.268.9680\">1.800.268.9680<\/a><br \/>Phone:\u00a0<a style=\"text-decoration: underline;\" href=\"tel:416.350.4400\">416.350.4400<\/a><br \/>Email:\u00a0<a style=\"text-decoration: underline;\" href=\"mailto:privacy@nbfc.com\">privacy@nbfc.com<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a578027 elementor-widget elementor-widget-text-editor\" data-id=\"a578027\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">If we do not resolve your questions or complaint to your satisfaction, you may address your concerns to:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cb8c2f elementor-widget elementor-widget-text-editor\" data-id=\"5cb8c2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Office of the Privacy Commissioner of Canada<br \/>30 Victoria Street<br \/>Gatineau, Quebec<br \/>K1A 1H3<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1650621 elementor-widget elementor-widget-text-editor\" data-id=\"1650621\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">Toll Free:\u00a0<a style=\"text-decoration: underline;\" href=\"tel:1.800.282.1376\">1.800.282.1376<\/a>\u00a0(toll free)<br \/>Phone: <a style=\"text-decoration: underline;\" href=\"tel:819.994.5444\">819.994.5444<\/a><br \/>Fax:\u00a0<a style=\"text-decoration: underline;\" href=\"tel:819.994.5424\">819.994.5424<\/a><br \/>TTY:\u00a0<a style=\"text-decoration: underline;\" href=\"tel:819.994.6591\">819.994.6591<\/a><br \/>Website: <a style=\"text-decoration: underline;\" href=\"http:\/\/www.priv.gc.ca\/\" target=\"_blank\" rel=\"noopener\">www.priv.gc.ca<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac3cee9 elementor-widget elementor-widget-text-editor\" data-id=\"ac3cee9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\">This Privacy Policy may be amended from time to time. Please check our website for any amendments and for the current version of this Privacy Policy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-941f16a nbi-accordion elementor-widget elementor-widget-n-accordion\" data-id=\"941f16a\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"cookies\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1550\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1550\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Cookies Policy <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1550\" class=\"elementor-element elementor-element-550f756 e-con-full e-flex e-con e-child\" data-id=\"550f756\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8f5e396 elementor-widget elementor-widget-text-editor\" data-id=\"8f5e396\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Northbridge uses cookies, tracking tools, other technologies to recognize you when you return to our website, to personalize content, to gather analytics and information about your use of our website, to enable the functionality of certain features of our website, to maintain, monitor, protect and improve the website and to integrate third-party services into our website.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0221cde elementor-widget elementor-widget-text-editor\" data-id=\"0221cde\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tYou can change your opt-in preferences at any time by clicking\u00a0<span style=\"text-decoration: underline;\"><a class=\"cookie-settings-link\" style=\"cursor: pointer; color: #1c8285; text-decoration: underline;\">Cookie Preferences<\/a><\/span>\u00a0at the bottom of the page.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Legal Policies Legal information about Northbridge Insurance including Terms and Conditions and trademark information. Accessibility Standards Policy At Northbridge, we want to provide an open and accessible environment for everyone who works at or visits our offices. It\u2019s our policy to follow the principles of dignity, independence, integration and equal opportunity that are outlined in [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1363","page","type-page","status-publish","hentry"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/northbridgetravel.ca\/fr\/wp-json\/wp\/v2\/pages\/1363","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/northbridgetravel.ca\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/northbridgetravel.ca\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/northbridgetravel.ca\/fr\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/northbridgetravel.ca\/fr\/wp-json\/wp\/v2\/comments?post=1363"}],"version-history":[{"count":0,"href":"https:\/\/northbridgetravel.ca\/fr\/wp-json\/wp\/v2\/pages\/1363\/revisions"}],"wp:attachment":[{"href":"https:\/\/northbridgetravel.ca\/fr\/wp-json\/wp\/v2\/media?parent=1363"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}