Reference herein to Mitchell & Abbott Group includes The Mitchell & Abbott Group Insurance Brokers Limited and its affiliated companies in Canada.

Any use of http://www.teamtimhortonsbenefits.com/ (the "website") is subject to the following Terms and Conditions (the "Terms"). If you, in your personal capacity, on account of your business organization or otherwise (collectively the “User”) do not agree with these Terms, please do not access, use, or download content from the Websites in any form or manner whatsoever. These terms may be changed by Mitchell & Abbot Group, in their sole and absolute discretion, at any time without notice.

The User agrees that the Websites shall only be accessed through a standard computer or mobile device browser and that the User will not take any action in any form that causes damage, disables, impairs, overburdens, or interferes with the Websites or the enjoyment and use of the same by any other party.

The User’s use of the Websites constitutes his or her agreement to be bound by and to comply with these Terms and Mitchell & Abbott Group’s Privacy Policy contained herein.

This site is best viewed on Internet Explorer 7.x with the options "JavaScript" and "Cascading Style Sheet" activated and a screen resolution of 1024 x 768. Some documents on this website may only be viewed using Adobe Reader. Please ensure that you are using the most recent version of Adobe Reader.

Mitchell & Abbott Group, the Mitchell & Abbott Group logo and all Mitchell & Abbott Group product names and icons are trademarks of Mitchell & Abbott Group and/or subsidiaries. The copyright in the Websites and all materials contained therein are owned, or licensed by The Mitchell & Abbott Group and are protected by Canadian and international copyright laws. This includes all trademarks, logos, and other proprietary graphics, text; including but not limited to Tim Hortons©. The Website, as a whole, or in part, including all text, images, PDFs and software may not be reproduced, published, displayed, distributed, used as a hyperlink, broadcast, communicated or made available in any other manner without the express prior written consent of The Mitchell & Abbott Group.

This Web site includes links to third party Web sites that may be of interest to you. Mitchell & Abbott Group is not responsible for the accuracy or reliability of information provided on third party Web sites and except where noted, links to third party Web sites should not be taken as an endorsement of those Web sites by Mitchell & Abbott Group. Similarly, links to our Web site from third party Web sites should not be taken as an endorsement by Mitchell & Abbott Group of the content or the owners of those Web sites.

Any transaction made through this Web site using your user ID and password will be deemed a request made by you as the password owner and will be acted upon by Mitchell & Abbott Group. If you notice any errors or omissions concerning the information in your online account, please contact us as soon as possible. Mitchell & Abbott Group is not responsible for any errors or omissions for which no notice has been received. While we have made every effort to ensure the accuracy of the information contained in this Web site, we reserve the right to correct, at any time, any errors and omissions made and to proceed with any related adjustment. There are inherent and important security risks associated with the processing of online transactions over the Internet. Mitchell & Abbott Group is committed to protecting the privacy of your confidential information and has designed this web site accordingly. We have implemented strong security mechanisms, technologies and procedures to significantly reduce these security risks. Your use of this Web site is entirely at your own risk. Mitchell & Abbott Group is not responsible for any harm, loss or damage that may arise in connection with your usage including any detrimental reliance that you may place upon the site and its contents.

Do not send us any personal information by Internet e-mail. To ensure privacy, while in one of our protected online Internet sessions, you can send us a message through the Contact Us area. Mitchell & Abbott Group monitors the usage of your online account for audit purposes and produces statistical data for website development and enhancement.

This secured Web site uses the SSL (Secure Socket Layer) communications protocol to send information to and from your workstation. The role of this protocol, recognized by the most popular Web browsers (Explorer), is to encrypt the data during transmission so that unauthorized person cannot read it.

During your session, the server verifies the amount of time that has passed since your last request. If more than the maximum number of minutes has gone by since your last system interaction within the same session, the server will ask you to re-enter your user ID and password.

Mitchell & Abbott Group takes precautions to ensure the security and confidentiality of data on this secured Web site. In turn, you are requested to abide by the following rules: Never disclose your password to anyone Do not save your password in your computer Do not log into the website under the same user ID more than once at the same time Do not log into the website under two different user IDs at the same time. If you need to access the application under another user ID, you should exit the application and log in with a different user ID We advise you not to deactivate "Cookies" on your Web browser. Currently, in some of our applications, these cookies are used to validate whether the user session is active or not always use the Exit (Log-out) button to securely quit the application. This is all the more important if you are sharing a computer with other users