1. ACCEPTANCE OF THE INSURANCE TERMS

a) These terms and conditions, together with any documents and/or additional terms they expressly incorporate by reference (collectively, these "Insurance Terms") govern your access to, and use of, Par-Tee Golf’s ("Company," "we," "us," "our") insurance program (“Par-Tee Golf Insurance”). The Insurance Terms constitutes a legal agreement entered into by you, the purchaser of Par-Tee Golf Insurance (“you”) and the Company.

b) BY USING OR PURCHASING PAR-TEE GOLF INSURANCE, YOU ACCEPT AND AGREE TO BE BOUND AND COMPLY WITH THESE INSURANCE TERMS. IF YOU DO NOT AGREE TO THESE INSURANCE TERMS, YOU MUST NOT PURCHASE PAR-TEE GOLF INSURANCE.

c) By purchasing Par-Tee Golf Insurance, you represent and warrant that you are the legal age of majority under applicable law to form a binding contract with the Company and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not purchase Par-Tee Golf Insurance.

2. MODIFICATIONS TO THE INSURANCE TERMS

a) We reserve the right in our sole discretion to revise and update these Insurance Terms from time to time. Any and all such modifications are effective immediately upon posting and apply to all access to and continued use of Par-Tee Golf Insurance. You agree to periodically review the Insurance Terms in order to be aware of any such modifications.

b) The information and material about Par-Tee Golf Insurance on the Website may be changed, withdrawn, or terminated at any time in our sole discretion without notice.

3. APPLICATION OF THE INSURANCE TERMS

These Insurance Terms only apply to Par-Tee Golf Insurance purchased from January 1, 2025 onward.

4. DEFINITIONS

The following terms have specific meanings and appear in bold face type throughout these Insurance Terms:

• Antiques means Insured Goods that include artwork, collectibles, and old and authentic objects of personal property which were made, fabricated or manufactured a significant period of time before the present, and which have a unique appeal and enhanced value mainly because of its age.
• Broker means the insurance broker of the Insurance Policy provided to the Company by the Insurance Company.
• Carrier means a person or entity who performs, through its affiliates, agents, employees, and/or contractors, the whole or any part of, the physical carriage and transport of, LTL Shipments or Courier Shipments by water, land or air, and who lists such Quotes and markets such services through the Company on the Website.
• Claims Payout means any and all eligible proceeds or any compensation or similar payment to be paid out to you from time to time pursuant to these Insurance Terms as a result of any missing Shipment, or any damage to, or destruction of, in whole or in part, any Shipment for which you have purchased Par-Tee Golf Insurance.
• Chosen Currency means the currency that you chose on the Website (either USD or CAD) at the time of purchase of Par-Tee Golf Insurance.
• Consignee means the person to whom the Insured Goods are required to be delivered as specified in the shipping label or bill of lading.
• Courier Shipment means a Shipment for which one or more shipping label(s) were automatically generated on the Company’s software platforms that you purchased directly from the Company for a delivery that is to be shipped by a courier as a parcel, PAK, or envelope.
• Company means Par-Tee Golf
• Destination means the address of the Consignee or final warehouse or other place of storage at the destination named in the shipping label or bill of lading.
• Discharge Overside means the operation of unloading/loading of Insured Goods into a vessel without passing through the quay at the time of discharge or the shipment operation;
• Electronics means products that are dependent on electricity in order to function, including but not limited to: TVs, audio/visual equipment, laptops, mobile phones and tablets, notebooks and gaming systems, but excluding lights, lighting equipment, copiers and printers and printer accessories.
• Furniture means Insured Goods that are furniture, signs, lights, lighting equipment, copiers and printers and printer accessories.
• Par-Tee Golf Insurance means the program whereby the Company acts as a facilitator of the Insurance Policy between you, the Broker, and the Insurance Company.
• General Merchandise means new, used or refurbished Good(s) that are not classified as Electronics, Furniture or Antiques.
• Inputs means the information you entered into the Website in order to purchase Par-Tee Golf Insurance, including but not limited to, the name of the Carrier, the weight of a package, the dimensions of a package, the declared value of the package (with documentary evidence showing the proof of cost), the classification of a package, accessorial services, its pickup address, its delivery address, and its classification.
• Insurance Company means Liberty Mutual Insurance Company.
• Insurance Policy means the declared value Marine Cargo Policy provided by the Insurance Company through the Broker to the Company.
• Insured Goods means the merchandise that you have chosen to insure with Par-Tee Golf Insurance to be transported as part of an LTL Shipment or a Courier Shipment.
• LTL Shipment means a Shipment for which one or more shipping label(s) were automatically generated on the Company’s software platforms that you purchased directly from the Company for a delivery that is to be shipped by a less-than-truckload service.
• Other Merchandise means Electronics or Antiques.
• Pickup Location means the warehouse or place of storage at the place named on the shipping label or bill of lading for the commencement of the transit.
• POD or proof of delivery means confirmation that a shipment has reached its Delivery Location, as well as the time on which the delivery was made, and if requested by the Customer, an electronic signature from the recipient of the shipment, or a photo of the completed delivery if nobody is physically present to collect the shipment.
• Quote means the written estimate for the price of Par-Tee Golf Insurance on a Shipment displayed on the Website, based upon the Inputs and/or other information you enter or selected on the Website, subject to the agreement between the Company and the Broker.
• Shipments means Courier Shipments and/or LTL Shipments.
• Total Insured Value means the sum of the following:
  • 1) The cost to purchase such Insured Good as displayed on the proof of cost documentation (the “Purchase Cost”);
  However, the Total Insured Value shall exclude duties, taxes or import fees, any Extra Charges (as defined in the Company’s Terms of Service), or any other charges not agreed to by the Insurer prior to the delivery of the Shipment to the Destination.
• Website means the following websites:
  • i) http://www.parteegolf.ca, or
  • ii) such other URL as the Company may notify you about from time to time;

5. GENERAL TERMS

a) Subject to the Exclusions listed in sections 7, 9, 10, 11, and 12, and your strict adherence to these Insurance Terms, Par-Tee Golf Insurance covers all Insured Goods against risks of physical loss or damage from any external cause while in transit.

b) You acknowledge that the insurance coverage for your Insured Goods is provided by Liberty Mutual Insurance Company.

c) You acknowledge that in the event you have a direct relationship with a Carrier and you do not purchase shipping labels from the Company directly, then you cannot purchase Par-Tee Golf Insurance.

6. INSURANCE COVERAGE

a) Per Claim Limit. Par-Tee Golf Insurance covers up to a prescribed amount (as indicated on the Website) per conveyance (regardless of how many packages are in one conveyance) or location. This limit applies separately to any one conveyance or at any place at any time.

b) Term of Coverage. These Insurance Terms attach from the time the Insured Goods leave the Pickup Location, and continue during the ordinary course of transit and terminates upon the earlier of the following: (i) delivery of the Insured Goods to Destination, (ii) delivery of the Insured Goods to any other warehouse or place of storage which you elect to place the Insured Goods for storage other than in the ordinary course of transit or for allocation or distribution, or (iii) on the expiry of 60 days after completion of Discharge Overside of the Insured Goods from the oversea vessel at the final port of discharge (as long as goods are not transported to a destination other than that described in (i) or (ii) of this subsection.

7. EXCLUSIONS – SPECIFIC TO EACH CATEGORY

a) For Good(s) that are classified as General Merchandise, Electronics or Furniture the following exclusions shall apply:

• i) Par-Tee Golf Insurance shall not cover damage to used or refurbished General Merchandise, used Electronics or any Furniture that experience the following types of damage: rust, oxidization, discolouration, scratching, denting, marring, chipping, mechanical or electrical derangement.
• ii) In the event of claim for loss or damage to any part of General Merchandise Insured Goods, Electronics or Furniture, the amount recoverable hereunder shall not exceed such proportion of the cost of replacement of the parts lost or damaged as the Total Insured Value bears of the value of new machinery plus additional charges for forwarding and refitting the new part or parts if incurred.

8. EXCLUSIONS – PRODUCT CATEGORIES

a) Prohibited Items. Par-Tee Golf Insurance will not extend to Shipments that contain items that are prohibited by the Carriers pursuant to their terms and conditions.

b) Excluded Commodities. Par-Tee Golf Insurance does not provide coverage for the following commodities including but not limited to live plants or animals (including reptiles, snakes, birds, insects, etc.), bullion, currency, money, securities, accounts, bills, deeds, evidence of debt, notes, stamps, gift/phone cards/tickets (such as movie, concert, athletic event, etc.), documents, precious metals (gold, silver, etc. in forms of ingots, bullion, coins, etc.), human remains (including ashes), medical samples and/or biological products/diagnostic specimens, blood, blood products, plasma, embryos, human or animal specimens or tissues, urine, bodily fluids, counterfeit, illegal or pirated goods or material, industrial diamonds/carbons/gems, gemstones, any item(s) the carriage of which is excluded by any law, regulation or statute of any federal, state or local government to or through which the shipment may be carried, perishable/temperature controls insured goods/foods/beverages, non-perishable foods/commodities/beverages including alcohol/spirits/wine, wood & paper product, metals (i.e. steel, etc.), tobacco, pharmaceuticals, personal effects/household insured goods including automobile.

• i) furs/skins and taxidermy;
• ii) radioactive / hazardous / restricted or controlled items;
• iii) vehicles/automobiles such as cars, vans, pickup (new/used);
• iv) boats, atvs, motorcycles, etc. (new/used);
• v) ammunition, explosives, arms and military equipment;
• vi) machinery & heavy/industrial/construction equipment.

9. EXCLUSIONS – INCORRECT INPUTS

a) The Company may turn down, or refuse to pay out the entirety of, your claim if the loss, damage, shortage, or non-arrival of any Shipment and its contents:

• i) which is addressed incorrectly or packed insufficiently to withstand the normal rigors of transit;
• ii) when it is obtained by trick, false pretense, or other fraudulent schemes;
• iii) If such a Shipment or its contents have incorrect details, such as an inaccurate estimate on the Total Insured Value of the Insured Goods, or if you fail to provide proof of cost;
• iv) If the Shipment was delivered to the wrong address due to an error in your entering the wrong address into the system.

10. EXCLUSIONS – CONDITIONS IN TRANSIT

a) In no case shall Par-Tee Golf Insurance cover the following:

• i) loss, damage, or expense attributable to your wilful misconduct;
• ii) ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured;
• iii) loss, damage, or expense caused by improper packaging that is the result of inadequate or insufficient packaging to withstand the usual rigors of transport;
• iv) loss, damage, or expense caused by exposure to extreme weather conditions (including heat, moisture, or frost) or temperature changes;
• v) damage to, or loss of, any item that is improperly labelled, marked, or packed;
• vi) loss, damage, or expense arising out of defective, unsafe, or inherently hazardous design, manufacture, or defective packing;
• vii) loss, damage, or expense due to neglect, noncompliance with regulations, or inadequate storage;
• viii) damage or loss resulting from the actions of the Carrier or any third-party service provider outside the scope of this insurance policy.