Terms and conditions for using PGI services
Effective Date: January 1, 2026
These Terms of Service ("Terms") constitute a legally binding agreement between you ("you" or "User") and PGI Canada Ltd., PGI America Ltd., and its affiliates ("PGI," "we," "our," or "us") governing your access to and use of our website, mobile applications, and Personal Guarantee Insurance services (collectively, the "Services").
By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use our Services.
To use our Services, you must:
By using our Services, you represent and warrant that you meet all eligibility requirements.
PGI provides Personal Guarantee Insurance products and related services designed to protect business owners who sign personal guarantees on business loans. Our Services include:
The specific terms, conditions, and coverage of any insurance policy are governed by the policy documents themselves, which control in the event of any conflict with these Terms.
To access certain features of our Services, you may need to create an account. When creating an account, you agree to:
We reserve the right to suspend or terminate accounts that violate these Terms or that we reasonably believe may be compromised.
When you apply for Personal Guarantee Insurance, you agree to provide truthful, accurate, and complete information. Misrepresentation or omission of material facts may result in denial of coverage, policy cancellation, or claim denial.
All insurance applications are subject to underwriting review and approval. We reserve the right to accept or decline any application at our sole discretion. A quote is not a guarantee of coverage and may change based on underwriting review.
Coverage is contingent upon timely payment of premiums. Failure to pay premiums when due may result in cancellation of coverage. All payments must be made using approved payment methods.
When using our Services, you agree to:
All content, features, and functionality of our Services, including but not limited to text, graphics, logos, icons, images, software, and the compilation thereof, are the exclusive property of PGI or our licensors and are protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any materials from our Services without our prior written consent, except for your personal, non-commercial use.
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
We do not warrant that the Services will be uninterrupted, secure, or error-free, or that defects will be corrected. We do not warrant any results from use of the Services or that any information obtained through the Services is accurate or reliable.
Information provided on our website is for general informational purposes only and does not constitute insurance advice. You should consult with qualified professionals regarding your specific situation.
TO THE FULLEST EXTENT PERMITTED BY LAW, PGI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:
This limitation applies regardless of the legal theory, whether in contract, tort, strict liability, or otherwise, even if PGI has been advised of the possibility of such damages.
You agree to indemnify, defend, and hold harmless PGI and our officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or relating to:
These Terms shall be governed by and construed in accordance with the laws of Bermuda, without regard to its conflict of law provisions.
Any dispute arising out of or relating to these Terms or the Services shall be resolved through binding arbitration in accordance with the rules of the Bermuda International Conciliation and Arbitration Centre. The arbitration shall take place in Hamilton, Bermuda, and the language of the arbitration shall be English.
We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on our website and updating the "Effective Date" at the top of this page.
Your continued use of the Services after any changes become effective constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using our Services.
We may terminate or suspend your access to the Services immediately, without prior notice or liability, for any reason, including but not limited to a breach of these Terms.
Upon termination, your right to use the Services will cease immediately. All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnification, and limitations of liability.
If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.
These Terms, together with our Privacy Policy and any applicable insurance policy documents, constitute the entire agreement between you and PGI regarding the Services and supersede all prior agreements and understandings.
If you have any questions about these Terms, please contact us:
Email: [email protected]
Website: pgicover.com/contact