Terms

ONENWON INC. Hole In One Insurance – Terms & Conditions

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The Travelers of Canada General Insurance Company of Canada, will indemnify the Named Insured on Certificates issued under this agreement, an amount not to exceed the amount stated on the Certificate and in any event subject to the maximum limits stated in these Terms and Conditions, for the costs incurred in providing an award to the golfing participant, who during the Policy period specified on the Certificate, makes the first Hole-in-one on a defined and selected hole in a specified tournament. Subject to the prize restoration clause below, subsequent hole-in-one(s) made during the specified tournament on covered holes, will be considered null & void and the value of the prize is considered payable for the first hole-in-one only.

All policies issued will be underwritten by The Travelers of Canada General Insurance Company, 165 University Avenue, Toronto, ON M5H 3B9. The Travelers provides the insurance related to the information listed in return for premium payment and subject to the terms and conditions being honoured. The event must be an official golf tournament, registered with the golf course named in the certificate issued. Policies must be purchased and issued a minimum of 24 hours prior to the tournament tee time. Qualification of any contestant and event location is subject to OneNwon Inc. approval.

If any change requests are necessary after a policy has been issued, OneNwon Inc. must be notified in writing a minimum of 24 hours in advance and said changes will be subject to underwriting approval and issuance of new policy. An increased premium or policy fee may be incurred as a result of the change requested. Failure to notify OneNwon Inc. will or may result in a denied claim.

Unfortunately golf tournaments and promotions get rained out, in which case OneNwon Inc. must be notified within 24 hours after the tournament date to reschedule the tournament date or provide a full premium refund. Incidental costs such as signage if applicable will not be refunded.

The minimum yardage on any insured hole for non professional players must be 150 yards from tee to flagstick. The insured hole(s) remain in its normal position with regard to tee box and flagstick placement. The golf hole and pin placement must not be positioned in a groove or valley on the green that funnels to the insured hole.

The prize value is as selected by the tournament organizer, subject to a maximum prize value of $50,000 and is available for amateur players only who are entered and playing in the insured tournament.

Each tournament group must be a minimum of three players and not more than four. Twosomes are not eligible. Each golfer is limited to one attempt only. If a tournament allows a threesome to have a player hit twice, his or her initial shot is eligible for the hole-in-one only. Mulligans (when a player is allowed to replay any one shot) are not eligible. Also, if a player hits his or her golf ball out of bounds and replays from the tee and his or her next shot goes in the hole, the player scores a three by RCGA rules and therefore is not eligible.

If the golf course is a 9-hole course, the target hole must be designated by hole number whether the front or the back nine holes of play.

The rules of golf, as written the Royal Canadian Golf Association (RCGA) shall apply and all golf equipment must conform to RCGA standards. Equipment includes, but is not limited to golf ball(s), golf clubs, flagstick and hole.

The tournament will station a competent non-biased and non-participant tournament official eighteen years of age or older to monitor play at each insured hole(s) at all times. If a hole-in-one is made, the tournament monitor of that hole must sign the scorecard of the player who registered the hole-in-one as well as all members of the foursome/threesome authenticating and confirming the participant’s hole-in-one. The golf course professional must also authenticate the hole in one by verifying yardage, hole placement and rules of golf were followed.

Tournament must have a minimum of 48 players unless approved by OneNwon Inc. and the participant must complete the full tournament round of golf (18 holes.)

In the event of a hole-in-one, the policy will indemnify the first hole-in-one achieved on any insured hole. The participant must play the entire round of golf and complete the scorecard. OneNwon Inc. will include at no additional charge a one-time fifty percent (50%) prize restoration for any insured hole(s).

All information given on application is true and acknowledged. If the information given by the insured, unintentionally or otherwise is incorrect such as number of players in the insured tournament, OneNwon Inc. has the right to deny any claim. The policy does not cover any claim arising from fraud, dishonesty, misrepresentation or collusion.

In the event there are multiple prizes on the insured hole, then all prizes must be insured with OneNwon Inc. The prize for each flagstick must be clearly identified on the confirmation page normally by colour of the flag. Please verify that there are no other insurers on the insured hole(s).

If a policy has been created and issued by means of an unconfirmed broker, for example a general public client purchases a policy in false perception of being a broker, the policy may become null and void.

Termination – Insured has the right to cancel the policy 24 hours prior to the tournament by submitting written notice. The policy cannot be terminated once the tournament has commenced.

To commence a claim, notification to OneNwon Inc. is required no later than 24 hours from the tournament date. Notification will need to be done by means of a telephone call or email. OneNwon Inc. will require the name, address and telephone number of the winner, the official hole monitor, the names of the playing partners and club pro. We will further require the winner’s score card or a clear photocopy of the same. This can be faxed to 780 433 0936 or emailed to order@onenwon.com.

All claims are paid in Canadian funds. Any claims arising out of fraud, collusion, dishonesty or misrepresentation will be denied.

Any claims that may be disputed are subject to Canadian and applicable provincial jurisdiction laws. Each player is liable for their attorney’s fees.

Please be advised that failure to adhere to all terms and conditions set out will result in a claim being denied.

All policies issued will be underwritten by The Travelers of Canada General Insurance Company, 165 University Avenue, Toronto, ON M5H 3B9. Travelers provides the insurance related to the information listed in return for premium payment and subject to the terms and conditions being honored.

Privacy Policy

I. Introduction

The Travelers of Canada General Insurance Company (“Travelers”) is committed to providing excellent customer service. To meet your insurance needs, Travelers must collect, use and disclose personal information. Travelers respects your privacy and the integrity of your personal information.

This Privacy Policy outlines Travelers’ responsibilities and commitments to protect your personal information. In particular, the Policy addresses:

  • the purposes for which we collect, use and disclose personal information;
  • the nature of the personal information we collect, use and disclose;
  • when and why Travelers collects personal information;
  • the meaning of implied and express consent to collect, use and disclose personal information and when consent is not necessary;
  • how Travelers uses and discloses personal information; and
  • your ability to access your personal information held by Travelers.

II. Legislation

Federal legislation known as the Personal Information Protection and Electronic Documents Act and similar provincial legislation (“privacy legislation”) govern Travelers’ collection, use and disclosure of personal information. Travelers has practices and procedures that satisfy the standards set out in privacy legislation.

In accordance with privacy legislation, Travelers follows ten Fair Information Principles.

  1. Accountability. Travelers’ Privacy Officer is accountable for The Company’s compliance with these ten Fair Information Principles.
  2. Identifying Purposes. Where required, Travelers will explain why the collection of personal information is necessary.
  3. Consent. Travelers relies on your consent prior to collecting, using or disclosing your personal information. Exceptions arise where use or disclosure is required or permitted by law – for example, in the course of a criminal investigation.
  4. Limiting Collection. Travelers collects the personal information necessary to administer insurance policies and fulfill the insurance contract.
  5. Limiting Use, Disclosure and Retention. Travelers will not use or disclose personal information for a reason other than the purpose for which it was collected. Travelers will retain personal information only as long as necessary to fulfill the purposes for which it was collected and as required by law.
  6. Accuracy. Travelers makes best efforts to monitor and update the accuracy of personal information as needed to provide insurance coverage and respond to claims.
  7. Safeguards. Travelers takes steps to safeguard personal information by using safe storage procedures and technological measures which limit access to the information to authorized employees. Where personal information is disclosed to third party service providers, Travelers requires the service providers to also protect the personal information.
  8. Openness. Travelers’ Privacy Policy is readily accessible on Travelers website. On request, a printed copy will be provided.
  9. Individual Access. Travelers recognizes your right to access your personal information held by Travelers. If access must be denied, according to privacy legislation, Travelers will provide an explanation for the denial.
  10. Addressing Privacy Concerns. Travelers’ Privacy Officer welcomes enquiries about our Privacy Policy and privacy practices.

III. What is “Personal Information”?

Personal information is defined in legislation as information about an identifiable individual, excluding the name, title, business address or telephone number of an employee of an organization. Some examples of personal information Travelers may collect include your address, date of birth, e-mail address, medical history or driving record.

IV. When and Why Travelers Collects Personal Information

A. Brokers Collect Personal Information
All consumers who purchase insurance (or consider purchasing insurance) from Travelers do so with the guidance and assistance of a professional, licensed and independent insurance broker. The broker collects your personal information to assess your insurance needs. The broker may recommend that you consider a number of products from different companies. In order to recommend products, the broker provides insurance companies with your personal information. The broker will explain that this exchange of personal information is necessary for insurers to assess your risk profile and provide an accurate quotation regarding the cost of the policy being considered.

The information collected by the broker will depend on the insurance coverage you want. Some examples are provided below to explain the type of information necessary to provide automobile and property insurance.

B. The Collection of Personal Information for Automobile Insurance
If you want to purchase automobile insurance, provincial governments require that you provide information requested on the Automobile Application form. This application form is used by all insurance companies and is approved by provincial insurance regulators. The Automobile Application form varies from province to province, but all provincial governments gather similar information, such as your name, address, how the vehicle will be used, and the applicant’s and listed drivers’ accident history and history of convictions arising from operating an automobile. In some provinces you will be required to answer questions about your health, with respect to your ability to safely operate a vehicle.

C. The Collection of Personal Information for Property Insurance
To provide property insurance, insurance companies require personal information such as your date of birth and occupation, your past experience renting and owning property, as well as information regarding the property. Where there is a mortgagor or any other person with a legal interest in the property, you must disclose this information. Also, Travelers may require a home inspection for underwriting purposes, to be completed by a professional and independent firm, to ensure the property is adequately protected.

V. How Travelers Uses and Discloses Personal Information

Travelers uses and discloses the personal information collected for various purposes:

  • to assess an application for property and casualty insurance coverage;
  • to communicate with a customer regarding an insurance policy;
  • to confirm information provided by a customer or claimant, including verifying identity;
  • to evaluate and settle a claim;
  • to detect and prevent fraud;
  • to offer and provide products and services to meet customer needs;
  • to analyze risk and business results; and
  • as may be required or authorized by law.

Additional examples of Travelers’ use and disclosure of personal information are provided below.
Travelers may verify the accuracy of information provided on any application for insurance. For example, Travelers may check driving records or claims history. Where the information is incorrect, Travelers may decline the application for insurance. Also, as part of the underwriting and claims handling process, Travelers transfers personal information to other insurance companies to verify the accuracy of information provided in the application for insurance or to help identify insurance fraud.

Unfortunately insurance fraud is a reality that leads to higher insurance premiums for everyone. Where circumstances suggest a false or misrepresented claim or policy application, we will conduct a careful investigation that adheres to legal and other guidelines. Such verification and investigation are in the best interest of all consumers as it operates as a check on the accuracy of information, helps identify and prevent fraud and ensures that policyholders pay the appropriate premium based on the risk they represent.

When a claim arises, Travelers uses personal information to investigate the claim, assess damages and make the appropriate payments. If there is a lawsuit, Travelers may need to share personal information with its legal counsel.
Travelers may use your personal information to conduct a satisfaction survey following a claim, to ensure we meet our high standards of customer service.

Travelers may use personal information to conduct statistical studies on information pertaining to groups of policyholders to improve our understanding of claim trends, price adequacy and financial results and forecasts. Travelers may also use aggregate data to conduct statistical studies. For example, we may analyze claims data to determine the proportion of accidents involving vehicles in one area compared to another.

Travelers is required by various provincial statutes to provide information regarding automobile applications, claims and premiums to provincial insurance regulators or to an appointed statistical agency. Such data is used by regulators to conduct statistical studies and research. This provides regulators with a better understanding of consumers’ experiences with insurance.

Travelers may transfer your information to service providers who may process or store your information in the United States. Travelers remains accountable for your information and measures are taken to ensure service providers meet stringent security and confidentiality requirements, however, such information is subject to the laws of the United States and may be accessible to law enforcement and national security authorities of the United States.

Travelers never sells personal information, or other information relating to you, to any organization, including charities or direct marketing groups.

VI. Consent

A. Implied Consent
Consent to collect, use or disclose personal information can be implied or express. Implied consent is inferred from the circumstances, including the relationship between the parties and the nature of the interaction. For example, when you contact an insurance broker to obtain automobile or property coverage, it is reasonable for the broker to presume your implied consent to share personal information with the insurer so that together they can assess and meet your insurance needs. Similarly, it is reasonable for the insurer to presume your implied consent to disclose your personal information to your broker, in order to assess your application or administer your insurance policy.

B. What is Express Consent?
When Travelers handles sensitive personal information, Travelers obtains express written or verbal consent. Sensitive information includes medical information or financial records for claims involving personal injury or income loss. In these circumstances, the sensitive personal information is not collected until a claim is made and it becomes necessary to obtain such information to determine entitlement to benefits. Express consent is obtained at the time of the claim.

C. Exceptions to Consent
Privacy legislation sets out situations in which consent to collect, use or disclose personal information is not necessary. Some examples of when it is not necessary for Travelers to obtain consent include when the information is:

  • disclosed to our lawyers;
  • used to collect debts owed to us by policyholders; or
  • used during an investigation of potential fraud, other policy breaches, or other illegal acts.

D. Withholding or Withdrawing Consent
You may withhold or withdraw your consent; however, this may affect Travelers’ ability to provide insurance or administer an insurance policy. Where the withdrawal or withholding of consent prevents Travelers from providing adequate customer service, Travelers may be unable to process your claim for payment or may cancel an existing policy. In some cases, we may be unable to honour the withdrawal or withholding of consent.

VII. Requests to Access Your Personal Information

You may request access to your personal information that has been collected, used or disclosed by Travelers. To do so, please contact the Privacy Officer by letter or e-mail at the addresses set out below. Access requests must be in writing. We will reply to your request within 30 days.

Please note that email is not a secure mode of communication. For security reasons, do not include sensitive or confidential information in any email message.

Please note that Travelers may charge reasonable costs in providing access to and copies of personal information and will inform you if such costs arise.

Travelers may refuse an access request in situations where:

  • such access would hinder an investigation relating to the enforcement of any law, including alleged fraud;
  • the information is protected by solicitor-client and/or litigation privilege;
  • to do so would reveal confidential commercial information – where possible, Travelers will provide access after removing the confidential information;
  • it is prohibitively costly to provide the information;
  • the information contains references to other individuals – where possible, Travelers will provide access after removing the references to other individuals; or
  • the information was created in the course of a formal dispute resolution process, such as mediation or arbitration.

VIII. For Further Information

This Privacy Policy sets out Travelers’ commitment to safeguarding your personal information. The examples clarify Travelers’ practices with respect to the collection, use and disclosure of personal information, however, they do not represent a complete list of circumstances in which Travelers collects, uses and discloses information to administer insurance policies.

Travelers may update its Privacy Policy to adhere to changes in legislation or to improve service to our policyholders. Please refer to our website for the current Privacy Policy or contact Travelers’ Privacy Officer.

If you would like more information regarding Travelers’ Privacy Policy and practices, please do not hesitate to contact the Privacy Officer.

Telephone: 1-800-268-8447 (toll free)
416-362-7231 (Toronto area)
Fax: 416-366-6229
E-mail: privacy_officer@travelers.com
Address: Privacy Officer
c/o Travelers of Canada General Insurance Company
165 University Avenue
Toronto, Ontario
M5H 3B9

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