Turner's Tips has a strict policy for handling customer information. The information you provide to Turner's Tips is confidential and protected to the fullest extent possible. Turner's Tips will not disclose or distribute customer information to third parties, without prior written consent by the customer.

For complete details, please review the following policies:

Site Policies, Conditions and Agreements

Turner's Tips requests that you review all our policies. The terms of these policies govern your visit to Turner's Tips. When you visit this web site, you accept these conditions. We reserve the right to make changes to our policies, site, and these stated conditions and agreements at any time. If any of these agreements or conditions shall be deemed void, invalid, or for any reason unenforceable, then that condition shall be deemed sever-able and shall not affect the enforceability or validity of any remaining condition.

Information Disclaimer

The contents of the Turner's Tips web site such as any images, text, graphics, information and the other material contained on the Turner's Tips web site, are for informational purposes only. This web site provides information relating to general insurance. It can include automobile, business, home, accident and sickness, or life insurance.

This information is not a part of an actual insurance policy. This information is not meant to provide specific advice related to your insurance policy. Your agent or broker can confirm which parts of the information provided will relate directly to your particular situation. This information is not intended to be a substitute for professional insurance advice, that you will receive from your agent or broker. This information is intended in part, to help start a dialogue between you and your agent or broker.

We have tried to provide some links to other information sources that appear to be useful. This information again needs to be assessed to the relevance of your particular situation, and you need to confirm with your agent or broker as to what applies to you, in your particular situation. Reliance based on the information on the site or from links to the site, is strictly at your own risk.

The regulatory body and advisory council of each province or territory, have the authority regarding insurance in each particular province or territory.

The information on the site is current at the time of posting. If you are aware of a recent change, an error or an omission, please contact us so that we may keep this web site as up-to-date as possible.

Endorsement Disclaimer - Links to Other Sites and Advertising

This web site has links to regulatory bodies and advisory councils for insurance. We have provided some links to private organizations, when we think there is useful information to be gained. When you go to another web site, then you are subject to the privacy policy of that web site. We do not endorse any insurance company products, service or process. We are not responsible for any contents of a web site, that is linked or references to our web site.

When using our web site, your web browser may produce some advertisements - these can be pop ups. We do not endorse or recommend any services or products which appear as a "pop up" advertisement.


The use of the Turner's Tips web site and the content therein, is strictly at your own risk. The delay, interruption, failure or corruption of data or information transmitted in connection with the Turner's Tips web site, there is no assumption of liability by Turner's Tips. This web site and its content are provided as is shown. We can assume no liability for your transmitting any data from this site, as we have no control of how you will choose to do this.

The regulatory bodies and advisory boards of the insurance industry, have the legal right and authority over how insurance is actually performed. The agents and the brokers are the representatives of the various insurance companies in Canada. Information gained from the web site, has to be examined and verified in regards to your particular situation. It is important that you understand clearly, that Turner's Tips does not act as an agent or a broker, and does not sell insurance.

The insurance information provided on the web site is to provoke thoughtful discussion with your agent or broker. It is not to be considered an insurance guide, but an information tool to be used to help you better understand some of your choices. With improved understanding of some of the terms of insurance, you likely will be able to better communicate your needs and concerns to your insurance advisor.

Intrusion Detection

We attempt to monitor the traffic, and will attempt to identify unauthorized attempts to upload or change information or otherwise try to cause damage to this site.

Privacy Notice Last updated October 20, 2008.

At Turner's Tips, we will do our best to protect your privacy. When you visit Turner's Tips, you accept the practices described in this Privacy Notice.

When you use a link to other web pages which are provided within this site, Turner's tips is not responsible for the content or the privacy practices of those sites.

When you submit a question or post information to Turner's Tips, we will collect some information about you. This is to better help us provide what will be useful and to streamline the information that is presented. This information will not be shared with any outside (third parties), without your express consent. When we monitor the site for traffic information, the process does not personally identify users. Contact is generated by the user. We do not contact you unless you request information, and then our contact is in the form of a response.

Further to the regulations of the Federal Personal Information Protection and Electronic Documents Act (PIPEDA), we at Turner's Tips hold this to be our Privacy Policy standard:

We are accountable and responsible for all personal information under our control. Our web master available through "Contact Us" will be responsible for our compliance with the policies and procedures described above.

We identify the purposes for which we collect personal information, at or before the time the information is collected. This privacy declaration is posted at the Home page, and is available throughout the web site.

We will attempt to obtain the appropriate consent from individuals for the use, disclosure or collection of their personal information, except where the law provides an exemption.

The collecting of the personal information, will be limited to that which is necessary for the purposes we have identified. The nature of the web site is such, that personal information will not be collected, only statistical information for tabulation purposes.

The personal information will not be used or disclosed for purposes other than those for which it was collected, except with the consent of the individual or as required by law. We will only retain personal information, as long as necessary for the fulfillment of those purposes.

The personal information we collect, will be as complete, up-to-date and accurate as is necessary, for the purposes for which it is to be used.

We will safeguard the security of personal information under our control, in a manner that is appropriate to the sensitivity of the information.

We will make readily available to individuals, specific information about our policies and procedures relating to the management of personal information, which is under our control.

Upon request, an individual will be informed of the existence, use, and disclosure of his or her personal information which is under our control, and may be given access to, and challenge the accuracy and completeness of that information

Any individual may address a challenge concerning compliance with the above policies and procedures to our Web master through our "Contact Us" page.

Our Privacy Administrator can be reached at: 111 Fifth Avenue, Strathmore, AB T1P 1B7.

Use of the Forum Last Updated October 19, 2008.

Any personal information you submit to Turner's Tips will be governed by our Privacy Policy. If we have an inconsistency between this agreement and the Turner's Tips Privacy Policy, then this agreement shall govern.

If you wish to participate in the "Forum", then we ask that you do not transmit or upload any content of any type that violates or infringes any rights of any party. When you send a communication to a public area such as the Forum, you acknowledge that this content is non-confidential for all purposes.

When you send an e-mail to us or post to the Forum, you are communicating with us electronically. You hereby give consent to receive response communications from us electronically. Turner's Tips will communicate with you by posting notices on the web site or by e-mail. You agree that all notices, disclosures, agreements, and other communications that we provide to you electronically, satisfy any legal requirement that such communications be in writing.

When sending Turner's Tips information, whether it be through a question, forum posting or to an e-mail address on the Turner's Tips "Contact Us" page, you agree not to e-mail any content that violates or infringes any rights of any party. Further, any idea, concept, business information or invention that you send to Turner's tips by e-mail then has to be non-confidential. This then follows that an e-mail submission with an idea, invention, business information or concept now becomes royalty-free with irrevocable, perpetual, worldwide non-exclusive for Turner's tips to use, modify, publish, edit, translate, reproduce, creative derivative works from, distribute, display or perform such content or communication, in this web site. If your information is intended to be private or proprietary, then please so note in clear language when submitting an e-mail to our "Contact Us". Do not submit this type of information on the Forum.

When you use the forum posting, you are solely responsible for this posting. Any consequences of this posting of this posting are yours. Do not rely on postings found in the Forum, as Turner's Tips does not provide this information. This is a public site that allows communication between parties. You are allowed to use this public area under certain conditions. You must conform to these conditions, and if you do not, then this is considered a material breach. You may not do any of the following:

  • Use this Forum to distribute a virus or other harmful computer code;
  • Use this Forum to start chain letters, pyramid schemes, solicit business or post advertisements;
  • Use this Forum for any purpose that is in violation of local, provincial, federal or international laws;
  • Use this Forum to impersonate another person;
  • Use this Forum to post information or material that infringes on the intellectual property rights or others;
  • Use this Forum to post information or material that infringes on the publicity rights or privacy rights of others;
  • Use this Forum to post information or material that is obscene, threatening, abusive, hateful, harassing, unlawful, defamatory, slanderous or embarrassing to any other person or entity as determined by Turner's Tips in it's sole discretion;
  • Use this Forum to collect information about others which could include e-mail addresses without that person's consent;
  • Use this Forum to try and spam information, posting it repeatedly;
  • Allow other persons to use your identity in viewing and posting comments;
  • Participate in activities that inhibits or restricts other persons, from using or enjoying the Forum or which, in the judgment of Turner's Tips, exposes the users of the web site, or Turner's tips to any detriment or liability of any type;
  • Deliberate disruption of the posting of comments, or the normal flow of dialogue on the Forum.

For the good of all users, Turner's tips reserves the right (but is not obligated), to take necessary steps to attempt to resolve difficulties by:

  • Investigating complaints that a user of the Forum has not conformed to the terms of use, and subsequently can remove communications from that user;
  • Record the dialogue in the Forum;
  • Remove any communications that are disruptive, illegal, abusive or obscene, or that have otherwise not met the terms of use of the Forum;
  • Monitor and possibly edit some of the communications in the Forum;
  • Delete a communication posted to the Forum;
  • Terminate a user's access to the Forum.

Turner's Tips has no responsibility to the users of the Forum, to any other person or entity for the performance or nonperformance, of the above mentioned activities. This is a guideline of the user standard for posting within the Forum, and is for informational purposes only.

You agree to defend, indemnify, and hold Turner's Tips, its officers, directors, employees, agents, licensors, and suppliers, harmless from and against any claims, actions or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, resulting from, or alleged to result from, your violation of the terms for the use of the Forum and other public sites within Turner's Tips.

Notice Procedures and Removal of Content

Turner's Tips asks that if you believe that content on this web site infringes your copyright, then you may request removal of this material by contacting our Web master "Contact Us". We endeavour to clearly state all references, with source and date when we have quoted material. Please provide the following information, to enable us to locate the item of concern:

  • Your e-mail address, name, address and telephone number.
  • A description of the item that you believe has been copyrighted.
  • A statement that this use of materials is not authorized.

Turner's Tips and Cookies

Cookies are the alphanumeric identifiers that can be transferred to your computer's hard drive through your Web browser. Reference the "Help" portion of the toolbar on your browser, to tell you how to prevent your browser from accepting new cookies. Most browsers will also notify you, when you receive a new cookie. You can disable cookies altogether.

Turner's Tips will automatically collect your Internet Protocol (IP) address and record your use of the web site. This is done to improve our performance in meeting your information needs. Your information will not be shared with any outside source. We will not provide a list of users to any third party.

Our Address:

Turner's Tips Ltd.
111 Fifth Avenue
Strathmore, Alberta
Canada T1P 1B7