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J.D. Smith & Associates

Insurance Brokers Inc. Disclaimer

Thank you for visiting our website. Please read the following conditions and information carefully.

Insurance coverage outlined on this site will be available only in jurisdictions where permitted by law.

Our Insurance services, products and information outlined on this website may not be available in all regions of Canada or to persons who are residents outside of Canada.

Privacy and Security

Complete privacy, confidentiality and security are not yet possible over the Internet. As a result, our Brokerage will not be responsible or liable for any harm or loss resulting from use, communication or transmission of any information to or from this website. Material is not to be copied from our website.

Use at Your own Risk and Information Accuracy

The contents and information of this website are given strictly for your convenience and we believe that it was accurate when it was placed on the Site. This information is subject to change and updated at any time without prior notice.

The information in this Site is not to be relied upon for any financial, legal or insurance purposes and is intended for information purposes only. We will not be held responsible for any detrimental reliance you place on this Site or its content. It is agreed that if you use of this website it shall be on an "as is" basis and entirely at your own risk.

No Liability Implied or Stated

J.D. Smith & Associates Insurance Brokers Inc., J.D. Smith Insurance Brokers, it's affiliated partners and associated companies, its officers, directors, agents, or employees, or any other person associated with this Site, shall not be liable or responsible for any harm, loss or damage (whether arising in contract, tort negligence, or otherwise) that may arise in any connection with use of this Site, including any indirect, direct, special, third party, or consequential damages.

Every Insurance Policy package has limits and exclusions. It is the responsibility of each individual and company to be knowledgeable and aware of the wordings and coverage's for their Insurance Policy.

Hypertext Links Are Not Endorsements

Other websites that may be accessed from this website by hypertext links, are entirely independent of this website and SHALL NOT BE in any manner construed as any reflection on, or any affiliation with, or endorsement of such site, or entity, or its respective products or services.

We value your visit to our website. Should you have any questions about this site, these conditions, or products and services, please contact our office.

Use of Trademark and Logo Not Permitted

The display and use of trademarks in this website does not imply that a license of any kind has been granted.

J.D. Smith and Associates Insurance Brokers Inc. has trademarks, copyrighted logos and service marks, which are registered and unregistered, in Canada, and/or in other countries. All other service and product names are trademarks or registered trademarks of their respective owners.

Site For Personal Use Only

The contents of this Site are for your own personal use. No one has permission to copy, distribute disseminate, commercially exploit, republish, or otherwise communicate any part of such contents in any manner whatsoever without the prior written consent of our office.

All rights are reserved and © by J.D. Smith & Associates Insurance Brokers Inc. This website is protected under the copyright laws of the Province of Ontario and of Canada, and other countries. Also note that certain information on this website may be copyrighted by others.


RIBO JD Smith Insurance Brokers
105 West Beaver Creek Rd.
Richmond Hill, ON, L4B 1C6
1-800-917-7283
Tel: 905-764-7868
Fax: 905-764-9618
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