These terms and conditions are an agreement between you and Sandbox Mutual Insurance Company ("Sandbox") regarding your use of the Sandbox website and online services, including all features and functionalities and all associated Content (collectively, the "Sandbox Website"). By accessing and continuing to use the Sandbox Website, you expressly agree to be bound by the terms and conditions described below, as well as any additional services terms which are published on the applicable webpage. If you do not agree with these terms and conditions, please exit the Sandbox Website immediately.

1. Sandbox Website

Information Provided as Service Only. The documentation and information available on the Sandbox Website are provided as a service only and are not the official versions of the company's securities law disclosure documents. Please be advised that the information and documents available on the Sandbox Website are not intended to provide specific legal, accounting, financial or tax advice to you.

Information May Not be Current. Please be advised that the information on the Sandbox Website may not always be the most current source for company information. Sandbox disclaims any liability for any failure to update information on the Sandbox Website.

Changes to Website. The information in the Sandbox Website is subject to change without notice. Sandbox may, at its sole discretion, enhance, delete or modify the features, format, characteristics, functionality, and/or the procedures to use the Sandbox Website, the information available to you through use of the Sandbox Website and upgrades or updates to the Sandbox Website.

Changes to Terms and Conditions. Sandbox may also amend the Website terms and conditions from time to time by providing such revised terms and conditions to you or by publishing the revised terms and conditions on the Sandbox Website. You are responsible for periodically reviewing the amendments on the Sandbox Website and you are deemed to be aware of such amendments. Your continued use of the Sandbox Website shall constitute your acceptance to be bound by the revised terms and conditions.

2. Your Account

User ID and Password. You may be required to adopt a user ID and password in order to use some portions of the Sandbox Website (the "Login Information"). You are solely responsible for maintaining the confidentiality of your Login Information and agree to use commercially reasonable efforts: (i) to protect the security of your Login Information; (ii) not to permit individuals other than employees or contractors approved by you to use the Login Information to gain access to the password-protected portions of the Sandbox; (iii) not to disclose any Login Information to any person except on a need-to-know basis; and (iv) to ensure that employees or contractors approved to access the Sandbox Website on your behalf do so only in connection with your business purposes.

Account Suspension. Sandbox may suspend, cancel or otherwise limit access to your account if there is suspicion of fraudulent or illegal activity, abuse, misuse or error.

Unauthorized Access to the Account. You agree to immediately notify Sandbox in writing of any loss, unauthorized disclosure or actual or suspected unauthorized use of your account.

3. Privacy and Data

Sandbox Privacy Statement. Sandbox is committed to respecting the confidentiality of personal information. Any collection, use or disclosure of personal information by Sandbox is subject to the Sandbox Personal Information Protection Policy, a copy of which is available at:

User Privacy Obligation. You will not breach or attempt to breach the Sandbox Website server(s), software security, nor attempt to access the information of another individual without appropriate authorization or otherwise invade the privacy of others in connection with the use of the Sandbox Website.

Data Security and Integrity. You shall have sole responsibility for the accuracy, currency, quality, integrity, legality, reliability, and appropriateness of any data, information or materials gathered, compiled, uploaded, created or authored by you using the Sandbox Website, and Sandbox shall not be responsible or liable for the deletion, correction, destruction, damage, loss or failure to store, monitor or transmit any data. Sandbox shall not be responsible for adequate security, archival and/or back-up procedures on your behalf. Further, Sandbox will not be liable for any type of communication or data, or the accuracy or sufficiency of the content thereof, which is uploaded or downloaded through your access or use of the Sandbox Website.

User Content and Social Media. You agree that you are entirely responsible for all data, information, graphics, photos, audio, video, links and/or any other content or materials that you post, submit, share or otherwise contribute on or through the Sandbox Website ("Content"). You represent and warrant to Sandbox that you own the Content posted by you or that you have the right, authority and capacity to grant the rights and licenses described in these Website terms and conditions. You represent and warrant to Sandbox that your Content does not infringe the rights of any third party including, without limiting the generality of the foregoing, any copyrights, trade-marks, privacy, publicity or other rights. You acknowledge and agree that Sandbox is not responsible for Content posted on or through the Sandbox Website and that Sandbox has no obligation to screen or monitor or remove Content. Sandbox may, but has no obligation to, screen, monitor, remove or restore Content or Accounts, that Sandbox may, in its sole discretion, deem to have violated these Website terms and conditions. You agree that none of your Content will be proprietary or confidential and Sandbox will not be liable to you for any disclosure or use of your Content. You acknowledge and agree that you alone are responsible for all of your dealings with other users of the Sandbox Website and you acknowledge and agree that Sandbox is not responsible for any other user of the Sandbox Website's conduct or content. Sandbox does not own the Content that you post to or through the Sandbox Website but you hereby agree to grant to Sandbox an irrevocable, perpetual, world-wide, non-exclusive, transferrable, sub-licensable, royalty-free license to use, publish, revise, edit, and create derivative works of and from the Content that you post to or through the Sandbox Website. You understand that by using the Sandbox Website, you may encounter content that may be deemed offensive, indecent, or objectionable. Notwithstanding this, you agree to use the Sandbox Website at your sole risk and that Sandbox shall have no liability to you for content that may be found to be offensive, indecent or objectionable. You agree that you may not post offensive, indecent or objectionable Content on or through the Sandbox Website including, without limiting the generality of the foregoing, violent, nude or pornographic, illegal, unlawful, discriminatory, hateful or other similar Content. You agree that you will not abuse, harass, bully, defame, threaten, intimidate or impersonate anyone, or attempt to do any of the foregoing and you agree that you will not post sensitive or private or confidential information of any other person or entity. You agree that you will not use the Sandbox Website to post Content containing information about, or photos or videos of, any person other than yourself without first obtaining the prior written consent of such persons which consent shall include an acknowledgement that such persons have read and understood Sandbox's Privacy Policy and these Website terms and conditions and you acknowledge and agree that you will be solely liable for any violation of this provision. You agree that you will not use the Sandbox Website for any unauthorized or illegal purpose and you agree to comply with all laws, regulations, and orders, whether local, provincial, state, national or federal, applicable to your use of, or access to, the Sandbox Website and applicable to your Content.

4. Intellectual Property Rights

Copyright. The Sandbox Website is protected by copyright laws.  Its content cannot be altered without breaching Sandbox’s rights and moral rights. All text, illustrations, graphics and images displayed on the Sandbox Website are the property of Sandbox and will remain Sandbox’s property unless stipulated otherwise. They cannot be sold, reproduced, copied, modified, published or distributed, in whole or in part under any circumstances, without express permission from Sandbox.  Any content from the Sandbox Website cannot be referenced or transmitted to newsgroups, mail lists, emails or electronic bulletin boards, incorporated into any other websites or connected via links to the Sandbox Website without prior written consent from Sandbox.

Trademarks. Trade names and trademarks of Sandbox are registered and/or used in Canada and include specific names, words, titles, phrases, logos, icons, graphics, designs and/or other content in the Sandbox Website. These trade names and trademarks represent part of Sandbox’s intellectual property and users cannot use them without the express consent from Sandbox.  Any unauthorized downloading, retransmission, copying or modification of trademarks and/or the contents of the Sandbox Website may be a violation of federal law or other law that may apply to trademarks and/or copyrights and may give rise to legal action.

Reserve of Rights. All rights not expressly granted in these terms are reserved to Sandbox. Nothing in these terms shall be construed as conferring by implication, estoppel or otherwise any license or right under any copyright, patent, trademark or other intellectual right of Sandbox or any other person or entity.

5. Warranty and Disclaimer

General Warranty Disclaimer. Other than as expressly set forth in these terms and conditions, Sandbox makes no representations, warranties or covenants to any person or entity with respect to the Sandbox Website. Except as set forth herein, the Sandbox Website is provided on an “as-is” and “as available” basis. You are solely responsible for all data and information which has been entered, removed or used in connection with your User ID and account. Sandbox does not give any warranties, guarantees, representations or conditions, whether express, implied, statutory or otherwise (including, without limitation: any implied warranty of merchantability; functionality of the Sandbox Website; the user interface; fitness for a particular purpose; accuracy of data; compliance with any description; or non-infringement of third party rights) with respect to any of the Sandbox Website and all such warranties are hereby disclaimed to the maximum extent permitted by applicable law.  

No Warranty of Website Availability. Sandbox does not guarantee the accuracy, timeliness or completeness of any information or document on the Sandbox Website nor that the Sandbox Website may be provided without interruption or error free. Sandbox does not warrant that it will be able to correct all reported defects in the Sandbox Website. Sandbox does not guarantee that the Sandbox Website and access to your account will always function without disruptions or delay. Since the Sandbox Website will be facilitated and/or transmitted through public internet lines, communications networks and public and/or private switched telephony network(s) (as the case may be), you understand that there may be service disruptions or outages.

6. Limitation of Liability and Indemnity

Liability Exclusion. To the maximum extent permitted by applicable law, in no event will Sandbox be liable to any party for any direct, indirect, special or other consequential damages for any use of this Website, or on any other hyperlinked website, including, without limitation, any lost profits, business interruption, loss of programs or other data on your information handling system or otherwise, even if we are expressly advised of the possibility of such damages. This exclusion includes any liability that may arise out of third party claims against you or Sandbox. 

Maximum Liability. Notwithstanding the Liability Exclusion above, the aggregate liability of Sandbox for all claims of any kind whether based in contract, indemnity, warranty, tort (including negligence), strict liability or otherwise, for all losses or damages arising out of, or resulting in connection with this agreement, from the performance or breach thereof, or from the provision of the Sandbox Website, will in no case exceed the amount, if any, paid by you to access the Sandbox Website in the year in which the claim arose. 

Indemnity. You hereby agree to defend, indemnify, and hold harmless Sandbox, its officers, directors, assigns, and service providers and their respective successors and assigns, from and against any and all claims and all costs, liabilities and expenses (including, without limitation, reasonable legal fees) arising out of or relating to your use of the Sandbox Website, your account, your Content or Login Information.

7. Security of Information

Sandbox Security Measures. Sandbox has taken reasonable steps to assist in the protection of your information, including the implementation of reasonable internal security policies and procedures. Data shall be encrypted to reduce the risk of interception, use and modification by third parties. Access to your account is secured by internet security protocol(s), provided that your web browser supports 128-bit encryption, which is standard in current versions of Microsoft Internet Explorer, Mozilla Firefox and Google Chrome. Sandbox will continue to monitor security issues and will update and improve security when it is reasonable and practical to do so. Although the majority of Sandbox's business operations are conducted entirely within Canada, we may engage third party service providers and certain service providers may be based outside of Canada or use systems, access and/or store data or have employees located outside Canada. We take commercially reasonable steps to require that our service providers protect your personal information in accordance with our Privacy Policy and the laws of their domestic jurisdiction.

Your Security Responsibilities. You recognize that complete confidentiality and security is essential when using the Sandbox Website to transmit any data to Sandbox. However, it is important to note that the internet is not a secure method of communication and use of the internet and communications over the internet is subject to possible interception, loss and alteration, which compromises the confidentiality and security of such use and communications. Without the use of encryption, communication through the internet or electronic communication is not secure and privacy cannot be ensured. You should not communicate any personal information to Sandbox through unsecured means. Any information communicated by you to Sandbox through unsecured means shall be deemed non-confidential and Sandbox will not be liable in any manner for any damage caused to a third party as a result of such unsecured communication, including without limitation, use by Sandbox of such information.

Inaccurate Copies. Please note that internet software or transmission problems could produce inaccurate or incomplete copies of various documents when downloaded and displayed on your computer and reference should always be made to the official versions of such documents.

Log Off Account. You should sign off from the Sandbox Website prior to proceeding with any activities that are not related to Sandbox. 

8. Cookies

Sandbox's Use of Cookies. Cookies are very small text files that are downloaded on your hard drive from certain web pages of the Sandbox Website that can collect and store a variety of information, including your preferences and activities on the Sandbox Website. The Sandbox Website uses cookies and Google Analytics and may use identifiers for mobile devices or similar technology to collect data in order to help Sandbox better personalize the content that you and other users may see on the Sandbox Website as well as for administrative and other purposes deemed necessary to maintain, service and improve its products and services. For information on how Google Analytics collects and processes data, click here ( Sandbox does not retrieve any information from your personal computer(s) and will not disclose any of your personally identifiable information.

9. Links to Other Websites

Link to External Sites at your Risk. Links from or to internet sites outside the Sandbox Website are meant for convenience only and your access to them is at your own risk. The publishers of the outside sites manage their content, which is not reviewed or approved by Sandbox. These links are not endorsements, guarantees or recommendations by Sandbox of the products or services offered on those sites. Sandbox cannot guarantee that these links are functional or secure and cannot be held responsible for damages or prejudice of any nature resulting from the use or the content of the other sites connected to the Sandbox Website through links.

10. General

Additional Agreements. You acknowledge and agree that your use of the Sandbox Website, and in particular, the password-protected portions of the Sandbox Website, may require you to enter into one or more additional agreements. These terms and conditions and any additional agreements are intended to be correlative, complementary and mutually explanatory of one another. However, in the event of a conflict, inconsistency or ambiguity between the terms of any additional agreement and these terms and conditions, the terms of the additional agreement shall prevail unless expressly stated otherwise in the additional agreement.

Contact Sandbox. Should you have any questions concerning these terms and conditions, you may contact Sandbox:

By Mail: 
Sandbox Mutual Insurance Company 
250 Willis Crescent 
Saskatoon, SK   S7T 0V2

By Email:

By Phone: