Terms & Conditions | Lloyd Sadd
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Terms & Conditions

Acceptance of Terms of Use

These web site Terms of Use, including our Privacy Policy and Personal Information Consent documents, govern your use of the Lloyd Sadd Insurance Brokers Ltd., an affiliate of Navacord Corp. (“Lloyd Sadd”) web site. By accessing and browsing this web site, you accept and agree to be bound by and comply with, without limitation or qualification, the terms and conditions set out below. Please read these terms and conditions before using this web site. Lloyd Sadd reserves the right at any time to modify, suspend or terminate the web site (or any portion of it) and/or your use of or access, with or without notice. Lloyd Sadd will not be liable to you or any third-party for any modification, suspension, or termination of the site or the site materials. Lloyd Sadd may amend these Terms at any time by posting the amended terms on this site, without notice to you. Your use of the web site after such posting will constitute consent to the modified Terms. If you do not accept and agree to be bound by the terms and conditions, please do not continue using this site.  Lloyd Sadd accesses the online portal that is accessed through the website via a third party, and is subject to the third party’s terms and conditions in respect of the technology.

“Site Materials” means all services, information, data, document, communications, downloads, files, text, images, videos, webcasts, tools, resources, products, or other content made available or enabled via this site by Lloyd Sadd or any authorized third party.

Your obligations under these Terms include the obligation to abide by other terms and conditions (“Supplemental Terms”) that may apply to specific Lloyd Sadd services, projects, features, and products. This includes your use of any Lloyd Sadd service made available to you on a preview or free trial basis, or any other product or service that you may license or purchase. If a provision of any Supplemental Terms conflicts with these Terms, the provision of the Supplemental Terms will prevail in the context of the service, project or product that is subject to the Supplemental Terms.

Product and Website Availability

The services described in this web site are available only to Alberta residents, who have reached the age of majority, and who possess the legal authority to create a binding legal obligation.


When you use this web site to obtain an insurance quote or to purchase an insurance policy, certain information is sometimes collected, some of which may be personal. For more information, please read our Privacy Policy carefully.

Collection of Public Information

Lloyd Sadd may gather any public information about customers from the following sources:

  • The internet and any public social media profiles that have been made publicly available;
  • Public records, including but not limited to, criminal record checks from federal or provincial government offices, public registries, and other sources permitted by law and that is accessible by the general public.

Lloyd Sadd limits the collection of accurate and up-to-date public information and may be used for the purpose stated in Lloyd Sadd’s Privacy Policy.

Information Accuracy

All information on this web site, including quotations and information relating to premiums is subject to change without notice. We strive to provide accurate and up-to-date material on this web site. However, we make no warranties or representations and there are no conditions as to the accuracy or timeliness of the material provided on this web site. We assume no liability or responsibility for any errors or omissions on this web site. The performance of this web site and all information contained on, downloaded, or accessed from this web site are provided to you on an as is basis, without warranties of any kind whatsoever, including any implied warranties or warranties of merchantability, fitness for a particular purpose or non-infringement of the rights of third parties. Lloyd Sadd shall not be responsible for any problems or technical malfunction of any telephone network or lines, computer on-line systems, servers, Internet access providers, computer equipment, software or any combination thereof including any injury or damage to your or any other persons’ computer as a result of using this web site. Lloyd Sadd reserves the right, at its sole discretion, to modify, disable access to or discontinue, temporarily or permanently, any part or all of this web site or any information contained thereon without liability or notice to you.

Obtaining an Insurance Quote and/or Purchase

This web site offers a secure way to obtain an insurance quote and to purchase insurance. It is important to provide accurate information. If, as part of the purchase process, information provided to insurers is subsequently established to be not true, it may lead to an insurance policy being voided.  You agree to provide accurate information to the best of your knowledge.

You also agree that clicking on certain buttons marked “yes”, “next”, “confirm”, “continue” and any other similar descriptions constitutes authorization to proceed to the next stage of the quote and/or purchase process.

Ownership of Intellectual Property

The site, and all contents and other elements available on or through this web site, are the property of Lloyd Sadd and/or any licensors and/or third parties from whom it obtains content, and are protected by the laws of Canada and relevant provincial laws. Your use of this web site does not transfer to you any ownership or other rights in the web site or its content. All rights reserved. Lloyd Sadd™ is a trade mark owned by Lloyd Sadd Insurance Brokers Ltd. © Lloyd Sadd Insurance Brokers Ltd. 2021.

The text, illustrations, graphics, insurance policies and images displayed on the web site are proprietary and will remain at all times the property of Lloyd Sadd or it’s Licensors. Any reproduction is strictly prohibited.

Certain names, logos, words, titles, phrases, service marks, icons, graphics or designs or other content contained on this web site are trade-marks or trade-names, which belong to or are licensed by Lloyd Sadd Insurance Brokers Ltd. You are not permitted to reproduce these marks, logos, names without the express written consent of Lloyd Sadd Insurance Brokers Ltd. Any unauthorized use, copying, downloading may violate provincial or federal law that may result in legal action.

Insurance Providers and How We Get Paid

All insurance products offered by Lloyd Sadd are arranged for by Lloyd Sadd Insurance Brokers Ltd. and underwritten by a number of licensed Canadian insurance companies. Lloyd Sadd is compensated by either a policy fee charged and/or a commission on all insurance policies sold and renewed on behalf of the insurance companies we represent. Commissions and policy fees can range from 10% to 50% depending on the negotiated terms with the insurance company or the type of policy sold.


The Internet is not entirely secure, and the confidentiality of certain information cannot be guaranteed. This web site has security measures in place to protect the loss, misuse, and alteration of the information under our control. Any unencrypted e-mail communication over the Internet is, as with communications via any other medium such as cellular phones, not secured or confidential, and is subject to possible interception, loss and alteration. We do not encourage anyone to send information, including personal information, to us using unencrypted e-mail. You acknowledge and agree that we, our agents, administrators, employees, and affiliates shall not be responsible for any damages you or anyone else may suffer as a result of the transmission of confidential or sensitive information over the Internet, and that all such communication will be at your own risk.

Use of Cookies

The Lloyd Sadd system uses cookies to allow and facilitate your user session with us. During the quotation or purchase process, cookies store session information to ensure that the data is passed on in proper sequence from step to step. The cookie itself is stored on your own computer and does not contain any personal information. Lloyd Sadd also uses third party analytics code to help us better evaluate the effectiveness of our advertising and to determine the behavior of visitors on our website in an effort to provide you with the most ongoing enhanced customer experience.

Unsubscribe Option

We are committed to making all contact straightforward and relevant. From time to time, we will let clients know about new or enhanced products and services. In addition, we will communicate promotions that may be of interest to you. These include, but are not limited to, promotion codes, new product launches, insurance news, and discount options. Should you not wish to receive written or electronic communications that relate to promotions or enhanced products and services offered by Lloyd Sadd Insurance Brokers Ltd. you can remove your e-mail address from our database which sends promotional and enhanced products and services emails by clicking the unsubscribe the “unsubscribe” or “manage your communication with us” link at the bottom of those emails.

Links to Other Sites

Links from or to Internet sites outside this web site are meant for your convenience only. The owners of these outside sites manage their content for which Lloyd Sadd is not responsible. You access these third party sites at your own risk. Lloyd Sadd is not responsible for damages or prejudice of any nature resulting from the use or the content of the web site or of other sites connected to the web site by hyperlink.

Use of Google Services

The Lloyd Sadd system uses Google Services to provide the following information:

  • Address information
  • Street view panoramas
  • Other information as required

By using the Lloyd Sadd system you are hereby bound by Google’s Terms of Service and Privacy Policy, viewable at the following:

Use of Information

By submitting information, you warrant the information submitted is not confidential third party property and that Lloyd Sadd may publish such information, use it as part of its operations, and incorporate its concepts into services to be distributed by us without liability or compensation to you.


You agree to indemnify and hold Lloyd Sadd and its officers, directors, members, insurers, affiliates, subsidiaries, partners, agents, licensors, licensees, suppliers, employees and representatives harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your: (i) violation of these Terms, including any Supplemental Terms, and/or (ii) violation of applicable law or your violation of any rights of any third party based on or related to your use of the site and/or any site materials and/or software.

Assumption Of Risk And Warranty Disclaimer

You agree to assume all risk in accessing and using the web site or any site materials, and with respect to any activity or project that you undertake based on or utilizing the web site or any site materials. You must take precautions (e.g., virus scans, etc.) to ensure that any content you access is free of viruses, worms or other potentially destructive elements.

Your use of the side and/or any site materials is at your sole risk. The site and all materials, content, information, products, and services are provided on an “as is”, “as available”, and “with all faults” basis. Lloyd Sadd disclaims all express or implied conditions, representations, and warranties of any kind, including any implied warranty or condition of merchantability, satisfactory quality, fitness for a particular purpose, or non-infringement. Lloyd Sadd makes no representations, warranties, conditions or guarantees as to the usefulness quality, suitability, truth, accuracy or completeness of the site, the site materials, or any products, services, content, or information provided by or made accessible by means of the site or any site materials.

Lloyd Sadd makes no warranty or representation that: (A) The site, the site materials, or any products or services will be uninterrupted, timely, secure, or error-free; (B) The results that may be obtained from the use of the site, site materials, products, or services will be accurate or reliable; (C) The quality of the site or any site materials, products, or services will meet your expectations or requirements; or (D) Any errors in the site, site materials, products, or services will be corrected. No advice or information, whether written or oral obtained by your from Lloyd Sadd, whether obtained through the site, site materials, products, services, or otherwise, shall create any warranty not expressly provided in these terms.

Your assume all risk for any damage to your computer system or loss of data that results from use of, or obtaining any content from, the site and/or site materials, products, or services, including without limitation any damages resulting from viruses.

Liability Limitation

To the full extent permitted by the law, Lloyd Sadd is not and shall not be liable for any direct, indirect, punitive, special, incidental, consequential, or exemplary damages (including, without limitation, loss of business, revenue, profits, goodwill, use, data or economic advantage arising out of or in connection with the site or any site materials products, or services, even if Lloyd Sadd has previously been advised of, or reasonably could have foreseen, the possibility of such damages, however they arise, whether in breach of contract or in tort (including negligence), including without limitation damages due to: (A) The use of or the inability to use the site; (B) The cost of procurement of substitute services resulting from any data, information or services obtained, or messages received or transactions entered into, through or from the site; (C) Statements or conduct of any third party on the site, including without limitation unauthorized access to or alteration of transmissions or data, malicious or criminal behavior, or false of fraudulent transactions; or (D) Tools, features, content, or information you may access, use, modify, or rely upon.)

General Provisions

These Terms constitutes the final, complete and exclusive agreement between you and us relating to the subject matter that it covers, and it supersedes all prior versions. You also may be subject to additional terms and conditions that may apply when you purchase products or services, or those of any third party.

The laws and courts of Canada and the province of Alberta govern these Terms, any action related to these Terms, and/or your use of the site. No choice of law rules of any jurisdiction will apply to any dispute under these Terms. You agree to submit to the personal and exclusive jurisdiction of the laws and courts located within the Province of Alberta, Canada.

No failure to exercise promptly any right under these Terms will create a continuing waiver or any expectation of non-enforcement. If any provision of these Terms is held to be invalid by a court of competent jurisdiction, you agree that such provision will be replaced with a new provision that accomplishes the original purpose, and the other provisions of these Terms will remain in full force and effect.