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Terms of Website Use


Insurance Brokers Association of Alberta (“IBAA”) owns and operates this website (, which is copyrighted by Insurance Brokers Association of Alberta, 2015. By accessing this website, you are agreeing to be bound by the following “Terms of Use.” IBAA reserves the right to update these Terms of Use at any time and advises you to check this page for any changes that may impact your use of this website. Access to and use of this website constitutes agreement to Terms of Use at the time of access.

Copyright and Licences

All content on this website (text, titles, images, videos, soundtracks, logos, trademarks, designs, etc.) is the property of IBAA, its sponsors, and other parties and is protected by copyright, trademark, patent, and intellectual property law. You may link non-member-restricted pages of this website on social media, but you may not reproduce, sell, or exploit any portion of this website without express written permission from IBAA. Certain sections of this website include material designated for download by IBAA Members. IBAA expressly consents that IBAA Members use this material for commercial or private use. Such material that is also marked as available for modification can be modified. Material that is not marked as such cannot be modified. Other sections contain material designated for download by the public. IBAA expressly consents that this material can be downloaded for private use but this material cannot be modified.

IBAA retains a worldwide, royalty-free license to modify, distribute, publish, or delete all content (text, images, videos, soundtracks, etc.) that you post on the website.

Legal Use

Illegal activities on this website may be subject to legal action or loss or reduction of access to this website, as determined by IBAA:
  • Damage to this website’s content or functioning;
  • Distributing malicious computer software (including but not limited to worms, viruses, spyware, and destructive code);
  • Use of this website to spam, phish, pharm, pretext, spider, crawl, or scrape;
  • Data collection for marketing or commercial communication purposes;
  • Fraudulent activity;
  • Harmful activity;
  • Copyright and license infringement;
  • Use of this website’s social platforms for unsolicited marketing;
  • Unauthorized access to restricted sections of the website.

Member/Non-Member and Group Access

Parts of this website have permissions encoded into the website logon that permit access to different types of users. Users must keep their user names and passwords confidential to ensure they are not misused. Should a user manage to by-pass these permissions without IBAA’s express written consent, IBAA may seek legal recourse or limit or cancel the user’s access to the website. This website includes (but is not limited to) permissions for the following groups:
  • IBAA Members only;
  • Specific IBAA Member groups that IBAA sets up;
  • IBAA Non-Members.

Designated representatives for IBAA Member brokerages or Affiliates may add new IBAA Members to their company records in our database so that the new employee can generate an IBAA Member logon. New IBAA Member employees who are not already in our database can create a logon, but membership status will be pending IBAA approval. Non-Members can create Non-Member logons.

User Posts

User posts on this and related websites, as well as on all IBAA social media platforms, should be legal, respectful, relevant to the topic, and respect privacy by not discussing Personal Information or confidential matters.

We may, but have no obligation to, monitor, edit, or remove content that we determine in our sole discretion is unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable, a violation of any party’s intellectual property, unsolicited marketing, or any other violation of these Terms of Use. Posting such content may result in legal action, restriction of or loss of website and posting privileges, or removal of the post as deemed appropriate by IBAA and/or the third party affected by the harmful post.

You agree that your comments will not violate any right of any third party, including copyright, trademark, privacy, personality, or other personal or proprietary right. You further agree that your comments will not contain libelous or otherwise unlawful, abusive, or obscene material, or contain any computer virus or other malware that could in any way affect the operation of this or any other related website. You may not use a false email address, pretend to be someone other than yourself, or otherwise mislead us or third parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third party.

Privacy of Information

IBAA abides by Alberta’s PIPA and Canada’s PIPEDA privacy legislation, as well as Canada’s Anti-Spam legislation on commercial electronic communications.

Personal information is collected in this website only as needed for purposes relevant to your website activities and IBAA membership. For further information, consult IBAA’s Privacy Policy).

IBAA reserves the right to publish any photograph/video taken at any IBAA or IBAA-sponsored event without the permission of the individuals in the image. Names and other personal information will not be included without the express written consent of the individuals.

By participating in an IBAA or IBAA-sponsored event, you are agreeing to release, defend, hold harmless, and indemnify IBAA from any and all claims involving the use of your picture or likeness.

IBAA shall not be liable for any user transgressions of Canadian or Alberta legislation regarding privacy of information, commercial electronic messages, and spam.

Online Course Registration and Other Purchases

In order to register for a course or purchase other products through this website or linked third-party websites, you will need to log on or create an account. This logon contains your user information. Designated representatives for IBAA Member brokerages or affiliates may register their employees for courses. By registering for a course or purchasing a product through this or a linked website, you are certifying that the information in your record and/or the records of those you are registering is accurate.

By registering for a course or purchasing a product through this or a linked website, you are agreeing to the following Terms of Use:
  • Credit card information is always encrypted during transfer over networks;
  • You are at least the age of majority in your province of residence;
  • You will provide current, complete, and accurate purchase and account information for all purchases made through this or a linked website;
  • You are responsible for your registration payment. Concerted attempts will be made to collect any outstanding payments from IBAA member brokers. If IBAA is unable to collect the outstanding payment from the individual, IBAA will pursue the member brokerage that employed the individual at the time of registration;
  • You will promptly update your account and other information, including your email address, so that we can complete your transactions and contact you as needed;
  • We reserve the right to change prices without notice;
  • We reserve the right to cancel or reschedule courses due to low enrolment or extenuating circumstances;
  • Course registrations, withdrawals, transfers, cancellations, and refunds are subject to our Education Policies;
  • In the event that we make a change to or cancel an order, we may attempt to notify you by contacting the email and/or billing address/phone number provided at the time the order was made;
  • We shall not be liable to you or to any third-party for any modification, price change, cancellation, suspension, or discontinuance of the course or product.

Profile Updates

You agree to keep the information in your profile current and up to date, especially the phone numbers and the email addresses through which you wish to be contacted for event registration and general communication purposes.

Content Disclaimers

We make no guarantee that the information on this website is free of errors, complete, or current. Any reliance on the material on this site is at your own risk.

Occasionally, descriptive information on our website may contain typographical errors, inaccuracies, or omissions that may relate to product descriptions, pricing, promotions, offers, shipping charges, course date and location, and availability. We reserve the right to correct at any time without prior notice (including after you have submitted your order) any errors, inaccuracies, or omissions, and to change or update descriptive information or cancel orders if any information in the description is inaccurate.

Any future new services and/or features offered through the website shall also be subject to these Terms of Use.

Third-Party Links

This website includes links to third-party tools that we neither monitor nor control. We are not responsible for ensuring the value of the content, do not warrant, and will not have any liability or responsibility for any of these third-party materials or websites, or for any other materials, products, or services of third-parties.
This website also links to third-party websites that offer some of our online courses. While we may monitor and control the content of these courses, we do not control the functionality. We shall have no liability whatsoever arising from or relating to your use of these third-party tools. Use of these third-party tools is entirely at your own risk and discretion. Please ensure that you are familiar with and approve of the terms on which the tools are provided by the relevant third-party provider(s).

Disclaimer of Warranties; Limitation of Liability

We do not guarantee, represent, or warrant that your use of our service will be uninterrupted, timely, secure, or error-free.

Use of this and related websites is at your sole risk. IBAA’s website provides no representation, warranties, or conditions of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

In no case shall IBAA, our directors, officers, employees, affiliates, agents, contractors, suppliers, service providers, or licensors be liable for any injury, loss, or claim arising from your use of this website or any products procured using this website.


You agree to indemnify, defend, and hold IBAA harmless against any claim or demand made by any third party arising out of your breach of these Terms of Use or the documents they incorporate by reference, or your violation of any law or the rights of a third party.

Legal Jurisdiction

These Terms of Use are governed by the laws of the Province of Alberta and the Government of Canada.
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