1. The insurance products are underwritten by the relevant insurance companies named in the description of each insurance product. These insurance products are obligations only of the insurance company they are not products of or offered by Leeman Services (which term shall include a reference to its affiliates, subsidiaries or related companies) and therefore are not obligations of or guaranteed by Leeman Services, in any way.

2. This website does not provide full information on the respective coverage of the insurance products, their benefits, terms, conditions and exclusions. Full information and insurance policy details can be obtained, upon request, from the relevant insurance company. Any information provided in connection with each insurance product (the "Product Content") is the information of the relevant insurance company offering such product. The product content does not originate from Leeman Services and Leeman Services does not warrant the accuracy, adequacy or completeness of the product content and expressly disclaims liability for errors or omissions in the product content.

3. This website does not provide personal financial or investment advice that takes into account your particular circumstance. As such, before you apply for any insurance or make any financial or investment decision, you should, when in doubt, obtain such independent legal, tax, financial and other advice as necessary.

4. Any insurance application made via this website will not be effective until the application has been approved and accepted by the relevant insurance company and an insurance policy is issued to you.

5. Without prejudice to the generality of any other terms applicable to any insurance application made via this website, Leeman Services shall in no event be liable for any damages, loss or expense including, without limitation, direct, indirect, special or consequential damages, or economic loss arising from or in connection with:-

  • The corruption or loss of any insurance application or other data stored in any equipment, terminal or system or in the course of transmission thereof through the Internet, any computer or any electronic or telecommunications system used by Leeman Services or any other person whether or not in connection with any insurance application, including any errors generated in the transmission of any insurance application or data.
  • Any inadvertent disclosure of information transmitted through the website.
  • The acts or omissions of any third party.
  • Moneys paid to or received from any third party.
  • Contracts entered into between you and any third party. and/or
  • Any breach of Leeman Service's obligations or duties (if any) to you caused by or arising from any one or more of the events or matters set out in any one or more of the foregoing sub-paragraphs of this clause.

6. All information submitted to or through Leeman Services via this website shall be deemed and remain the property of Leeman Services and Leeman Services shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in such information. Leeman Services shall not be subject to any obligations of confidentiality regarding submitted information except as otherwise required by any applicable laws.

Information Collection

We will ask you to provide your personal information to us when you enroll for coverage and when you purchase an insurance policy from us. We will also ask you to provide your personal information to us when you send e-mail to us from this website. When you enroll for an insurance policy at Bray Insurance, we will ask you to provide your name, home address, mailing address, telephone number and e-mail address. This information will be provided to the insurance company when you purchase an insurance policy so they can establish you as a policyholder. We will maintain a record of your information at the offices of bray insurance, so we can provide you with policyholder service. The employees of bray insurance are each required to sign and acknowledge a confidentiality and nondisclosure agreement. Each employee has been instructed on maintaining the privacy of each customer and the importance of protecting the customer's personal information.

When you purchase an insurance policy from bray insurance, you will pay the premiums with your credit card or personal cheque. If you use your credit card to pay the premium, your credit card information is deleted from our records after your purchase has been authorized. A transaction number will be provided to you on your binder of insurance. You may use this transaction number as a reference to the credit card purchase. We do not keep a record of your credit card information. If you pay the premium using your personal check, we will keep a copy of your check in your file.

When you send us e-mail from this website, you will provide us with certain personally identifiable information including your e-mail address.

LEEMAN Services is not liable for any commitment and is just financial advisor.