Terms & Conditions

You “THE CUSTOMER” AGREE TO BE BOUND BY THIS AGREEMENT AND ACCEPT THESE TERMS AND CONDITIONS.

This Agreement is a legal contract between the Customer and C’LIFE (a.k.a C’Life and CLIFE). It is governed by C’Life operations and practices. The Customer accepts this Agreement by making a purchase on the Site. The terms and conditions of this Agreement are subject to change without prior notice, except that the terms and conditions posted on the Site at the time the Customer initially places or modifies an order will govern the order in question.

This Agreement, and all of its terms and conditions, constitutes a legal contract between the Customer and C’LIFE.  By visiting, browsing, shopping, accessing or otherwise using this Site, the Customer acknowledges that the Customer has read, understood, and agrees to be bound by this Agreement and complies with all applicable laws and regulations.

If the Customer does not agree with this Agreement, as it may be changed by C’LIFE from time to time, do not use this Site. The material provided on this Site is protected by law, including, but not limited to, Canadian copyright laws.

Deadlines
It is the Customer’s sole responsibility to meet all deadlines regarding his or her continuing education (“CE”). The Customer agrees that C’LIFE is not responsible in any circumstances whatsoever if he or she misses a deadline or does not meet the CE requirements for the Customer’s profession for any reason, including slow response times, technical problems, or anything else. C’LIFE cannot guarantee that we will be able to assist you in time if you experience a problem within seven days plus the time needed for course completion prior to your deadline. It is assumed that a full day of CE studies is seven hours. (Example, a 30-hour CE package = 4 days plus 2.9 hours of CE study plus 7 days = 60.29 hour limit on claim for assistance to acquire Certificate before deadline.)

Technical problems are unpredictable. C’LIFE strives to provide the necessary customer service and technical support to complete the Customer’s purchase, course(s), course test(s), and certificate(s) on time, but cannot predict when a technical or other problem could interfere with his or her completion of a course(s). C’LIFE does not accept responsibility for meeting the Customer’s deadline due to technical problems.

The Customer should ensure he or she receives Certificate(s) at least five business days prior to your deadline.

Content
The opinions, information, and views expressed in each course are the responsibility of C’LIFE. C’LIFE and its affiliates, partners, and suppliers accept no liability for losses sustained as a result of content delivered or implied by information included on the website.

Limitations
The Customer creates a personal Login consisting of a username and password allowing access to each purchased course and test.

The course can be stopped, paused and started repeatedly once it is opened without affecting future access. Courses can be studied on screen or printed off. It is the Customer’s responsibility to ensure that he or she has read the course from start to finish. All registrants must pass with a mark of 60% or more an online test to receive their Certificate. The Certificate is supplied once the Create My Certificate button has been pressed.

Also see Interruptions to Service below.

Certificate
The Certificate will be completed with information provided by the Customer when he or she creates an Account. It is not possible for the Certificate to be issued with the information of anyone but the Customer. It is the Customer’s responsibility to retain the Certificate and supporting documents, as required by the Customer’s home province provincial insurance regulator or accrediting body.

Copyright
C’LIFE grants the Customer limited license to access and make personal use of the Site. The Customer is prohibited from altering, copying, downloading (except for caching purposes), linking and modifying the Site content for the purposes of interfering with the content, operation or maintenance of the website. The Customer is granted a limited, revocable, and non-exclusive right to create a hyperlink to the home page of the Site as long as the link does not portray C’LIFE, its affiliates, or their products or services in a false, misleading, derogatory, or otherwise offensive matter. All C’LIFE graphics, logos and trademarks are the exclusive property of C’LIFE and may not be used without express written permission of C’LIFE. All material comprising the Site is under copyright or trademark by C’LIFE. Under no circumstances shall any of the material comprising the Site be copied, displayed, distributed, downloaded, posted, reproduced, republished or transmitted in any form or by any means. To obtain authorization to reuse any part of the site and any course content, please contact us at 905-731-4646 or toll-free at 1-855-711-4646. A breach of any of these restrictions will result in a denial of service to the Customer.

Refunds
C’LIFE will refund any purchase in its entirety during the 6-month access period following purchase providing the Certificate has not been issued. Once a Certificate is issued, no refunds will be given. Please call us at 905-731-4646 or toll-free at 1-855-711-4646 to process your refund request.
 A refund of purchase price is the limitation of liability accepted by C’LIFE, its affiliates, partners, and suppliers.

Account
The password created to access a course is confidential to the person registering for that course. That password must not be disclosed to others. Disclosure or transfer of that password to a third party will result in cancellation without refund of the initial Customer’s purchase.

The Customer will be immediately blocked from using the Site and his or her payment will be forfeited. The Customer will not be able to access the Certificate(s) the Customer has earned and the Customer will be subject to a Violation Report to Primerica. Whomever the Customer shared his or her login with will be immediately blocked from using the site and his or her payment will be forfeited. He or she will not be able to access the Certificate(s) he or she earned and he or she will be subject to a Violation Report to Primerica. There will be no exceptions. If the Customer disagrees with this policy, The Customer should not enroll in this program.

Registration with C’LIFE is acknowledgement that the Customer accepts the Terms and Conditions described in this website.

Privacy.
This privacy notice discloses the privacy practices for this Site. This privacy notice applies solely to information collected by this website. It will notify The Customer of the following:

1. What personally identifiable information is collected from the Customer through the website, how it is used and with whom it may be shared.
2. What choices are available to the Customer regarding the use of his or her data.
3. The security procedures in place to protect the misuse of the Customer’s information.
4. How the Customer can correct any inaccuracies in the information.

Information Collection, Use, and Sharing.

C’Life owns the information collected on this site. C’Life only has access to/collect information that the Customer voluntarily gives us in the Customer’s registration, via email or other direct contact from the Customer. C’Life will not sell, rent or give this information to anyone except when requested by a regulator or organization that is auditing the Customer’s CE. C’Life will provide your information including the Customer’s name, email address, sales rep ID, CIPR (when applicable), MFDA number, NRD number, course completions and credits earned to Primerica Canada and SeeWhy Learning.

Unless the Customer asks us not to, C’Life may contact the Customer via email in the future to tell the Customer about specials, new products or services, or changes to this privacy policy.

The Customer’s Internet Protocol (IP) address is used for identification and verification purposes and to help C’LIFE diagnose problems that may arise with the Site or server. C’LIFE does not use Customer IP addresses for any other purpose.

The data that the Customer willingly provides to C’LIFE, such as Customer name, address, e-mail address and telephone number, is retained for announcements, contests, coupons, invitations, memberships, newsletters, rewards, special sales and discounts, if they should be offered or provided. C’LIFE also retains Customer names and contact data to help C’LIFE resolve business issues that may occur on occasion.

Security
C’LIFE relies on Stripe for payment processing. Stripe protects financial information with industry-leading security and fraud prevention systems.

C’LIFE is an encrypted Site and is transaction secure. All liability for Site security is the express responsibility of the Site encryption provider.

The Customer is responsible for maintaining the confidentiality of the Customer’s account and password. The Customer agrees to accept responsibility for all activities that occur under the Customer account or password.

Abuse
The Customer’s account on this site is created by the Customer for his or her exclusive use. If the Customer shares his or her login details with anyone for the purpose of bypassing payment and/or acquiring credits, this will be revealed in the crosschecking of names and sales rep IDs between C’Life and Primerica. The Customer will be immediately blocked from using the site and his or her payment will be forfeited. The Customer will not be able to access the Certificate(s) The Customer has earned and the Customer will be subject to a Violation Report to Primerica. Whomever the Customer shared his or her login with will be immediately blocked from using the site and his or her payment will be forfeited. He or she will not be able to access the Certificate(s) he or she earned and he or she will be subject to a Violation Report to Primerica. This also applies if the shared login details are further released to other individuals. All will forfeit their purchase price and be blocked from the Site. There will be no exceptions. If the Customer disagrees with this policy, he or she should not enroll in the program.

Changes to Site
C’LIFE may, at its discretion, make changes to this website including course availability and pricing without notification.

Interruptions to Service
C’LIFE, like all website services, may experience an interruption to provision of this website beyond its control. Interruptions to service experienced by Customers due to technical problems with their website service provider will not be the responsibility of C’LIFE.

Disclaimer
Use of the C’LIFE website is at the risk of the Customer. C’LIFE makes no warranties that access to this website will be uninterrupted, secure, and free of errors. C’LIFE also accepts no responsibility for damage to a registrant’s computer or mobile device caused by files.

Termination of Service
C’LIFE reserves the right to refuse service, terminate accounts, remove or edit content, or cancel orders at its discretion.

Stated Limited Liability
UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL C’LIFE BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOSS OF DATA OR PROFIT, ARISING OUT OF THE USE, OR THE INABILITY TO USE, THE MATERIALS ON THIS SITE. IF CUSTOMER USE OF MATERIALS FROM THIS SITE RESULTS IN THE NEED FOR COMPUTER SERVICING, REPAIR OR CORRECTION OF EQUIPMENT OR DATA, THE CUSTOMER ASSUMES ANY COSTS THEREOF.

Other Disclaimers and Liabilities
C’LIFE reserves the right to undertake price changes, product representation, rectification of advertising errors, and any other similar situations. While every effort is made to keep the content of the Site accurate and current, C’LIFE does not warranty the accuracy of Site content; neither does it assume any liability or responsibility for errors or omissions regarding the content of the Site.

PLEASE NOTE THAT C’LIFE WILL NOT BE LIABLE FOR LOST PROFITS, LOSS OF BUSINESS OR OTHER CONSEQUENTIAL, SPECIAL, INDIRECT, OR PUNITIVE DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR FOR ANY CLAIM BY ANY THIRD PARTY EXCEPT AS EXPRESSLY PROVIDED HEREIN. C’LIFE WILL NOT BE LIABLE FOR PRODUCTS OR SERVICES BEING UNAVAILABLE FOR USE OR FOR LOST OR CORRUPTED DATA OR SOFTWARE. THE CUSTOMER AGREES THAT FOR ANY LIABILITY RELATED TO THE PURCHASE OF PRODUCTS OR SERVICES, C’LIFE IS NOT LIABLE OR RESPONSIBLE FOR ANY AMOUNT OF DAMAGES ABOVE THE AGGREGATE DOLLAR AMOUNT PAID BY THE CUSTOMER FOR THE PURCHASE(S) UNDER THIS AGREEMENT.

Entire Agreement
This Agreement constitutes the entire agreement between the Customer and C’LIFE relating to the purchase or sale of goods or services on this Site. The Agreement may only be modified or terminated with regard to goods or services that have been purchased or sold on this Site in writing.  Valid electronic records and signatures shall be accepted under the Agreement. The Customer consents to receiving electronic records, which may be provided via a web browser or e-mail application connected to the Internet. In the event of any conflict between the terms and conditions stated on this Agreement or any terms and conditions on a C’LIFE-generated invoice, the Customer agrees that the provisions of this Agreement shall prevail.

Governing Law
THIS AGREEMENT AND ALL SALES HEREUNDER SHALL BE GOVERNED BY THE LAWS OF THE PROVINCE OF ONTARIO.