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REGISTEROTIP Website and Mobile Application Terms and Conditions
By accessing and using our website or mobile application (collectively, the “Platforms”) 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 the Platforms. If you do not accept and agree to be bound by the terms and conditions, please do not continue using the Platforms. These terms and conditions may be changed from time to time without notice. Therefore, be sure to review these terms and conditions regularly.
In these terms and conditions, any reference to "we," "us," "our," or “OGC” refers to OTIP Group of Companies1 (“OGC”).
Product and Platform Availability
The services described on our Platforms are available only to those who are Canadian residents, who have reached the age of majority in their province or territory of residence, and/or who possess the legal authority to create a binding legal obligation.
Access to certain features or services may vary between the website and mobile application. While we strive to provide a consistent experience across both platforms, some functionalities may be available exclusively on one platform due to technical or regulatory limitations.
We reserve the right to modify, suspend, or discontinue any part of the Platforms or the services offered through them at any time without notice.
Information Accuracy
All information provided through our Platforms, including quotations, information relating to premiums, and benefits-related content is subject to change without notice.
We strive to provide accurate and up-to-date material on our Platforms. However, we make no warranties or representations and there are no conditions as to the accuracy or timeliness of the material provided.
We assume no liability or responsibility for any errors or omissions on our Platforms. Users are encouraged to consult their official insurance and/or benefits documentation or contact a qualified representative for confirmation before making decisions based on the information provided.
Interpretation and Jurisdiction
If any term or condition is found, in whole or in part, to be unlawful, void or for any reason unenforceable, then that provision shall be deemed to be severable from the rest of the provisions and shall not affect the validity and enforceability of any of the remaining terms and conditions.
You agree that the laws of Canada govern any use of the Platforms and any issues which may arise in connection to them, without regard to rules relating to conflict of laws. Any disputes arising out of your use of the Platforms or any material contained therein shall be subject to the exclusive jurisdiction of the courts of Canada.
Internet Security
We know that the internet is not entirely secure, and the confidentiality of certain information cannot be guaranteed. The Platforms have security measures in place to protect the loss, misuse and alteration of the information under our control. As with any digital platform, we recommend using strong passwords and keeping your device software up to date.
Any unencrypted email communication over the internet is, as with communication 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 email. 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.
Unsubscribe Option
We are committed to providing communications that are clear, relevant, and aligned with your interests. From time to time, we may contact you with information about new or enhanced products, services, or promotions that may be of interest, based on your relationship with us. You can withdraw consent at any time by clicking the unsubscribe link in the email or by replying ‘STOP’ to SMS messages.
Cookie Management
Cookies are small text files that are used to store small pieces of information. They are stored on your device when the website is loaded on your browser. These cookies help us make the website function properly, make it more secure, provide a better user experience, understand how the website performs and to analyze what works and where it needs improvement.
We provide you with the opportunity to customize your cookie preferences when you first visit our website, and to change your mind about your consent at any time.
Our mobile application does not use cookies but may use other technologies such as device identifiers, analytics Software Development Kits (SDKs), or similar tools to improve app performance, monitor usage, and support security. These tools do not collect personally identifiable information unless explicitly stated and consented to.
How do we use cookies?
We use cookies:
To facilitate your user session with us by storing 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.
To customize content, marketing and advertising, to provide social media features, and to analyze traffic to the site. We also share non-personally identifiable information about your use of our site with our trusted social media, advertising and analytics partners.
To help us better evaluate the effectiveness of our advertising and to determine the behaviour of visitors on our website in an effort to provide you with an enhanced customer experience.
First-party cookies come from the site you are currently using and are mostly necessary for the website to function correctly. They do not collect any of your personally identifiable data.
Third-party cookies are cookies placed by our business partners from a different website. They are mainly used on our website for understanding how the website performs, how you interact with our website, keeping our services secure, providing advertisements that are relevant to you, and all in all providing you with a better user experience by improving your future interactions with our website.
Session cookies are stored temporarily on your computer or device while you use the website and are deleted when you close your internet browser.
Persistent cookies remain on your computer or device after you have closed your browser, so we can remember if you have visited our website before or your preferences.
Types of cookies we use
We categorize cookies into various types depending on their function.
| Cookie Type | Description |
|---|---|
| Necessary | Necessary cookies are required to enable the basic features of this site, such as providing secure log-in or adjusting your consent preferences. These cookies do not store any personally identifiable data. |
| Functional | Functional cookies help perform certain functionalities like sharing the content of the website on social media platforms, collecting feedback, and other third-party features. |
| Analytics | Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics such as the number of visitors, bounce rate, traffic source, etc. |
| Performance | Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors. |
| Advertisement | Advertisement cookies are used to provide visitors with customized advertisements based on the pages you visited previously and to analyze the effectiveness of the ad campaigns. |
| Uncategorized | Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. |
Manage your cookie preferences
Find out how to manage cookies on popular browsers:
By Google Analytics:
We may use cookies from Google Analytics to analyze your use of our websites, to create reports about visitor activities for us and to provide further services associated with the use of the websites and the Internet. Although this information is collected through your Google ad settings, it is not provided to us in a personally-identifiable format. If you would like to opt out of Google’s ad settings, please go to https://www.google.com/settings/ads or use the Google opt out browser add-on.
Obtaining an Insurance Quote
Our Platforms offer a secure way of comparing insurance quotes from competing providers. To obtain the most accurate rate and to maximize your eligibility for discounts, it is important to provide accurate information. If, as part of the purchase process, information provided to insurers is subsequently established to be false, an insurance policy may be voided. Additional information may be required by our licensed insurance brokers over the phone in order to process or review your request.
In the event where you provide personal information regarding a third party, you confirm that such third party has authorized you to disclose such personal information to us.
By clicking on certain buttons marked "yes," "next," "confirm," "continue" and any other similar descriptions, you agree that making these selections constitutes authorization to proceed to the next stage of the quote process.
Please note that any quote or premium provided through the Platforms are not guaranteed and may be reviewed with you over the phone by one of our licensed insurance brokers.
Electronic or Paper Documents
When you purchase an insurance policy, we give you the option to electronically access most of your insurance documents or you can still choose to receive a paper copy of these documents by mail. If you choose online access only, you understand that these electronic documents may be used as evidence and will have the same force of law as if you had received them by mail.
By choosing electronic documents only, you agree that the email address you provided is your last known address and that you are responsible for notifying us, in a timely manner, of any email address change.
Your My Member Account
To access your My Member Account and complete insurance and/or benefits transactions online, you will need your email address and password to log in to the Platforms. You are required to keep your login credentials safe and secure and not share your password with others. We recommend using a strong, unique password and updating it regularly. If you suspect unauthorized access to your account, contact us immediately.
Your insurance and/or benefits documents will be available on the Platforms in your My Member Account. Through your My Member Account, you may be able to:
Modify or update your insurance policy and/or benefits information, including changes to coverage, beneficiaries, or contact details, subject to eligibility and applicable terms.
Submit insurance claims, track the status of submitted claims, and view claim history.
Certain information in your My Member Account is presented in summary form. Users must always refer to their official insurance and/or benefits documentation for a complete and accurate description of their selected coverage and entitlements.
If you choose to enable biometric authentication (such as facial or fingerprint recognition) to access the mobile application, you acknowledge that this feature is provided through your device’s operating system and is subject to its security protocols. By enabling this feature, you authorize any biometric data stored on your device to be used to access your My Member Account. You are solely responsible for ensuring that only your biometric data is registered on your device. We are not liable for any unauthorized access resulting from the use of biometric authentication.
Specific Terms for the Use of Digital Proof of Insurance
By choosing to access your digital proof of insurance (“DPI”) through our mobile application, you consent to receive your DPI in digital format via the app or your My Member Account, where applicable.
Use of the DPI is voluntary. If you do not agree to these terms, you must carry a paper copy of your proof of insurance. You are responsible for ensuring that all drivers of your insured vehicle are aware of and agree to these terms, and that they have access to the most recent version of the DPI.
You acknowledge that using the DPI involves certain risks, including:
Potential exposure of personal information if your device is unlocked or notifications are visible.
Inaccessibility of the DPI if your device is offline, powered off, locked, or if you are unable to access the app.
It is your responsibility to ensure your device is capable of displaying the most current version of the DPI. Some jurisdictions may not accept digital proof of insurance. You are responsible for ensuring you comply with the legal requirements of any region in which you operate your vehicle.
For your safety and in compliance with applicable laws, do not access the DPI while driving.
Group Benefits Card Disclaimer
By using this card, you authorize the following parties to collect, use, and exchange information for the purposes of plan administration, adjudication/investigation of claims, and patient safety: OTIP, its insurer and their reinsurers and service providers, the Plan Member, and individuals/organizations with personal information about the Plan Member, their spouse, and dependants, including pharmacies and health care providers. All Plan conditions apply. This card is not transferable. Review OTIP's Privacy Policy.
Third Party Information
Our Platforms may contain links to third-party websites, mobile applications or services that are not owned or operated by OGC. These links are provided for your convenience and informational purposes only. By accessing these third-party platforms, you acknowledge and agree that:
You are subject to the terms and conditions, privacy policies, and other applicable rules of those third parties.
OGC is not responsible for the content, accuracy, or practices of any third-party websites or mobile applications.
OGC shall not be liable for any loss or damage arising from your use of or reliance on any third-party content, goods, or services.
We encourage you to review the applicable terms and conditions and privacy policies of any third-party websites or mobile applications before engaging with them.
Information Specific to RTIP Members
The services provided through the mobile application and website are delivered by GreenShield. For the applicable terms and conditions governing the delivery of these services by GreenShield, please click here: www.greenshield.ca/en-ca/terms-and-conditions.
For more information regarding how GreenShield processes your personal information, please visit: www.greenshield.ca/en-ca/privacy-policy.
Privacy
We are committed to protecting your personal information and respecting your privacy. By using our Platforms, you acknowledge and agree that your personal information may be collected, used, and disclosed in accordance with our Privacy Policy.
Ownership of Intellectual Property
Content of the Platforms is the copyright of the OTIP Group of Companies (OGC) and is protected under the Federal and Provincial laws and regulations of Canada. All rights reserved. The information on the Platforms may not be reproduced or distributed in whole or in part without the prior written consent of OGC which may be arbitrarily withheld.
Any infringement of these rights will result in appropriate legal action. General informative content articles may be used for the purposes of social media and links may be created to this site as part of newsgroups, blogs and bulletin boards provided the source of the material is credited and clearly indicated to OGC.
Disclaimer
Neither OGC nor any of their third-party administrators and agents, employees, directors, officers, trustees and affiliated companies and participating insurance suppliers, nor any other party involved in creating, producing or delivering the Platforms, shall be liable for any loss, harm or damage, including, without limitation, any direct, indirect, special, third-party or consequential damages, however caused, to any person as a consequence of, or arising out of, your access to, or use of, the Platforms or any material from them, even if we have been advised of the possibility of these damages. You agree that the use of the Platforms, and any sites linking to or from the Platforms, is entirely at your own risk.
Indemnity
You agree to indemnify, defend and hold harmless OGC and its officers, directors, trustees, information providers, agents, partners, affiliates, from and against any and all liabilities, demands, claims, costs, including reasonable legal fees, incurred by the indemnified parties in connection with any demand, claim, action, suit, or loss due to or arising as a result of any breach by you of these Terms and Conditions or claims arising from your account or arising out of information you submit through your use of the OGC Platforms, your violation of any agreement with OGC and these Terms and Conditions, or your violation of any rights of any third party. You agree to use your best efforts to cooperate with OGC in the defense of any demand, claim, action or suit.
Ownership of Intellectual Property
OGC logos, marks, designs and trademarks are all registered trademarks owned by the OTIP Group of Companies (OGC). The display of trademarks or tradenames on the Platforms does not convey or create any license or other rights in these marks or names.
Nothing in these terms and conditions shall be construed as conferring any right under any copyright of OGC or any other person who owns the copyright.
Limitation of Liability
Under no circumstances will OGC be liable for any damages relating directly or indirectly to any action or inaction based on the content, information, products or services or other material available through the Platforms. OGC will not be responsible for any damages or losses related to, the accuracy, currency or completeness of the content, breach of contract, warranty of fitness, information, products or services or other material obtained through the Platforms.
These Terms and Conditions were last updated on August 1, 2025.
1The OTIP Group of Companies includes:
Ontario Teachers Insurance Plan
OTIP/RAEO Benefits Incorporated
OTIP/RAEO Insurance Brokers Inc.
Curo Claims Services Inc.
TW Insurance Services LTD., operating as “Orbit Insurance Services” (includes Assurance Jean Claude Leclerc Inc.)
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