Terms of Use Policy - Insurance Insight Inc

Terms of Use

This is the website of Insurance Insight Inc., the broker and administrator for insurance and debt waiver programs. The website permits you to obtain information in respect of the insurance and debt waiver programs, and also permits you to submit information and attachments related to exercising benefits under insurance and debt waiver programs.. To speak with an Insurance Insight Inc. representative call 1.866.603.8666.

1. Acceptance of the Terms of Use

These terms of use , constitute a legal agreement and are entered into by and between you and Insurance Insight Inc. and its subsidiaries and affiliates (collectively, “Insurance Insight,” “we,” “us,” “our”). The following terms of use, together with any documents and/or additional terms they expressly incorporate by reference (collectively, these “Terms of Use”), govern your access to and use, including any content, functionality, and services offered on or through the website (the “Website”). Any references to “you” or “your” or “user” means the individual or entity using or accessing the Website.

BY USING THE WEBSITE OR BY CLICKING TO ACCEPT THE TERMS AND CONDITIONS, YOU ACCEPT AND AGREE TO BE BOUND AND COMPLY WITH THESE TERMS OF USE AND OUR PRIVACY POLICY, FOUND AT https://insuranceinsight.ca/privacy-policy, INCORPORATED HEREIN BY REFERENCE. IF YOU DO NOT AGREE TO THESE TERMS OF USE OR THE PRIVACY POLICY, YOU MUST NOT ACCESS OR USE THE WEBSITE.

By using this Website, you represent and warrant that you are the legal age of majority in your province or territory of residence to form a binding contract with Insurance Insight and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.

2. Modifications to the Terms of Use and to the Website.

Before using this Website, please read the following Terms of Use carefully. We reserve the right, in our sole and absolute discretion, to revise and update these Terms of Use from time to time. Any and all such modifications are effective immediately upon posting and apply to all access to and continued use of the Website. You agree to periodically review the Terms of Use in order to be aware of any such modifications and your continued use shall be your acceptance of these.

The information and material on this Website, and the Website may be changed, withdrawn or terminated at any time in our sole discretion without notice. Insurance Insight Inc. does not guarantee the accuracy or completeness of any of the Website content, its functionality or transmission capability. We will not be liable if for any reason all or any part of the Website is restricted to users or unavailable at any time or for any period.

3. Electronic Communications

When you communicate via the Website or send e-mails, text messages, and other communications from any device to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you electronically in a variety of ways, such as by e-mail, text, or by posting notices and messages on this Website. You agree that all agreements, notices, messages, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

4. Website Access

Insurance Insight makes commercially reasonable efforts to maintain the availability of this Website. However, Insurance Insight reserves the right to shut down this Website in order to perform maintenance, updates and other reasonable adjustments. Some or all of the Website may be unavailable during such times.

Insurance Insight reserves the right at any time to modify, suspend, or discontinue, temporarily or permanently, the Website (or any part thereof) with or without notice. You agree that Insurance Insight Inc. shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Website.

You agree that Insurance Insight, in its sole discretion, may suspend or terminate use of the Website for any reason, including, without limitation, if Insurance Insight believes that you have violated or acted inconsistently with the letter or spirit of the Terms of Use. You agree that any termination or suspension of your access to the Website under any provision of the Terms of Use may be effected without prior notice. Further, you agree that Insurance Insight shall not be liable to you or any third party for any termination or suspension of your access to the Website.

You agree that you will not:

interfere or attempt to interfere with the proper functioning of the Website;
bypass any measures used to secure or restrict access to the Website;
impose an unreasonable or disproportionately large burden on the Website’s infrastructure;
employ any automatic devices or means to use or access the Website; or
introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.

5. Your Use of the Website, Account Set-Up and Security

Users are responsible for obtaining their own access to the Website and for the Website’s availability and performance. Users are required to ensure that all persons who access the Website through a user’s internet connection are aware of these Terms of Use and comply with them. Users are responsible for any security breaches or performance issues relating to accessing the Website.

The Website including content or areas of the Website may require user registration. It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete.

Your provision of registration information and any submissions you make to the Website through any functionality such as applications, purchases, profiles and other such functions constitutes your consent to all actions we take with respect to such information consistent with our Privacy Policy https://insuranceinsight.ca/privacy-policy.

Any username, password, or any other piece of information chosen by you or provided to you as part of our security procedures, must be treated as confidential, and you must not disclose it to any other person or entity. You must exercise caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information. You understand and agree that should you be provided an account, your account is personal to you and you agree not to provide any other person with access to this Website or portions of it using your username, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your username or password or any other breach of security. You also agree to ensure that you logout from your account at the end of each session. You are responsible for any password misuse or any unauthorized access.

We reserve the right at any time and from time to time, to disable or terminate your account, any username, password, or other identifier, whether chosen by you or provided by us, in our sole discretion for any or no reason, including any violation of any provision of these Terms of Use.

6. Product Sales

We provide this Website for use only by persons residing in Canada. This Website is not intended for use in any jurisdiction where its use is not permitted. If you access the site from outside Canada you do so at your own risk and you are responsible for compliance with local laws of your jurisdiction.

Products or services described on this Website are only available to individuals or entities residing in Canada (excluding Québec) at the time of application or purchase. The contents of this Website are not intended to constitute an advertisement for such products and services in any other jurisdiction.

The information and descriptions on this Website are not intended to be complete and accurate descriptions of all terms, conditions, and exclusions of the products and services – In all cases, all products and services are subject to the terms and conditions of the applicable policy.

Insurance Insight reserves the right, in its sole and absolute discretion, to change the permitted methods of payment, including without limitation, the credit cards and other payment options that are accepted, at any time.

All purchases are subject to verification by Insurance Insight at any time for any reason. We reserve the right, in our sole and absolute discretion, to require proof of identity (in a form acceptable to Insurance Insight):

For the purposes of verifying the legitimacy of any purchase or other information; and
For any other reason we deem necessary, in our sole and absolute discretion, for the purposes of fulfilling any purchase.

7. Intellectual Property

You understand and agree that the Website and its entire contents, features, and functionality, including but not limited to all information, software, code, text, displays, graphics, photographs, video, audio, design, presentation, selection, and arrangement, are owned by Insurance Insight, its licensors, or other providers of such material and are protected in all forms by intellectual property laws including without limitation, copyright, trademark, patent, trade secret, and any other proprietary rights.

Users of the Website may copy information or materials for their own non-commercial personal use but may not republish or reproduce any part without the prior written permission of Insurance Insight Inc. Republishing and reproducing includes any uploading, downloading or providing access to the information on this site on the Internet or any other local or international computer system or means of distribution. Users are not permitted to modify copies of any materials from this Website nor delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from this Website. An acknowledgement of the source must be included whenever our materials are copied or published. You must not access or use for any commercial purposes any part of the Website or any services or materials available through the Website.

You have no right, title, or interest in or to the Website or to any content on the Website, and all rights not expressly granted are reserved by Insurance Insight. Any use of the Website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark, and other intellectual property laws. Insurance Insight will take appropriate legal action in response to any infringement of its intellectual property rights. Insurance Insight disclaims any and all liability which may result from any unauthorized reproduction or use of the information on this site.

Insurance Insight, the Insurance Insight logo, and all related names, logos, product and service names, designs, images and slogans are trademarks of Insurance Insight Inc. or its affiliates, subsidiaries or licensors. You must not use such marks without the prior written permission of Insurance Insight. Other names, logos, product and service names, designs, images and slogans mentioned or which appear on this Website are the trademarks of their respective owners. Use of any such property, except as expressly authorized, shall constitute a violation of the rights of the property owner and may be a violation of federal or other laws and could subject the violator to legal action.

8. Conditions of Use

As a condition of your access and use, you agree that you will use the Website only for lawful purposes and in accordance with these Terms of Use. The following content standards apply to any and all information a user submits or transmits to the Website. Without limiting the foregoing you warrant and agree that your use of the Website and any information you submit to the Website shall not:

In any manner violate any applicable federal, provincial, local, or international law or regulation including, without limitation, any laws regarding the export of data or software, patent, trademark, trade secret, copyright, or other intellectual property, legal rights (including the rights of publicity and privacy of others) or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations or that otherwise may be in conflict with these Terms of Use or our Privacy Policy https://insuranceinsight.ca/privacy-policy.
Include or contain any material that is exploitive, obscene, harmful, threatening, abusive, harassing, hateful, defamatory, sexually explicit or pornographic, violent, inflammatory, or discriminatory based on race, sex, religion, nationality, disability, sexual orientation, or age or other such prohibited ground or be otherwise objectionable.
Involve, provide or contribute any false, inaccurate or misleading information.
Transmit, or procure the sending of, any advertisements or promotions, commercial activities or sales, including without limitation any “spam”, “junk mail”, “chain letter”, contests, sweepstakes and other sales promotions, barter, or advertising or any other similar solicitation.
Include engaging in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which, as determined by us, may harm Insurance Insight or users of the Website or expose them to liability.
Include causing annoyance, inconvenience, or needless anxiety or be likely to upset, embarrass, or alarm any other person.
Promote any illegal activity, or advocate, promote, or assist any unlawful act.

9. No Reliance

The content on our Website is provided for general information purposes only. The Website is not intended to provide insurance, financial, legal, medical, accounting or tax advice, and should not be used or relied upon as a substitute for professional advice or your independent research.

No advice or information, whether oral or written, obtained by you from Insurance Insight or through or from the Website shall create any representation, warranty, condition or guarantee, whether express or implied, not expressly stated in these Terms of Use.

We make no representations, warranties or guarantees, whether express or implied, that the content on our Website is accurate, complete or up to date. Your use of the Website is at your own risk and Insurance Insight has no responsibility or liability whatsoever for your use of this Website.

10. Privacy

Any user information will be deemed our property and your submissions and use of our site constitutes consent to the collection, use, reproduction, hosting, transmission and disclosure of any such user content submissions in compliance with our Privacy Policy https://insuranceinsight.ca/privacy-policy, as we deem necessary for use of the Website and provision of services.

By using this Website you are consenting to the use of cookies which allow a server to recall previous requests or registration and/or IP addresses to analyze website use patterns. You can set your browser to notify you before you receive a cookie, giving you the chance to decide whether to accept it. You can also set your browser to turn off cookies. If you do, however, some areas of the Website may not function adequately.

11. Third Party Content and Links

This Website may include content provided by third parties, including from other users and third-party licensors. All statements and/or opinions expressed in any such third party content, other than the content provided by Insurance Insight, are solely the opinions and the responsibility of the person or entity providing those materials. Such materials do not necessarily reflect the opinion of Insurance Insight. Insurance Insight is not responsible, or liable to you or any third party, for the content or accuracy of any third party materials.

When you access any website other than this Website, you understand and acknowledge that it is independent of Insurance Insight and that Insurance Insight has no control over the content on any such website. We make no representations about any other websites that may be accessed from this Website. If you choose to access any such sites, you do so at your own risk. We accept no responsibility for such sites or for any loss or damage that may arise from your use of them. You are subject to any terms and conditions of such third party sites. In addition, a link to a non-Insurance Insight website does not mean that Insurance Insight endorses or accepts any responsibility for the content, or the use, of such website.

12. Disclaimer of Warranties and Limitation of Liability

YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY PRODUCTS OR SERVICES FOUND OR ATTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND ANY PRODUCTS OR SERVICES FOUND OR ATTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, MERCHANTABLE QUALITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

NEITHER INSURANCE INSIGHT INC. NOR ANY AFFILIATES OR SUBSIDIARIES NOR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS OR SERVICE PROVIDERS MAKES ANY WARRANTY, REPRESENTATION OR ENDORSEMENT WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, SUITABILITY, ACCURACY, CURRENCY OR AVAILABILITY OF THE WEBSITE OR ITS CONTENTS. WITHOUT LIMITING THE FOREGOING, NEITHER INSURANCE INSIGHT INC. NOR ANY AFFILIATES OR SUBSIDIARIES NOR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS OR SERVICE PROVIDERS REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY PRODUCTS OR SERVICES FOUND OR ATTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR WEBSITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

We cannot and do not guarantee or warrant that files or data available for downloading from the internet or the Website will be free of viruses or other destructive code. You are solely and entirely responsible for your use of the Website and your computer, internet and data security. TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY DENIAL-OF-SERVICE ATTACK, DISTRIBUTED DENIAL-OF-SERVICE ATTACK, OVERLOADING, FLOODING, MAILBOMBING OR CRASHING, VIRUSES, TROJAN HORSES, WORMS, LOGIC BOMBS, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR PRODUCTS FOUND OR ATTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.

UNDER NO CIRCUMSTANCE WILL INSURANCE INSIGHT INC., ITS AFFILIATES OR SUBSIDIARIES AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR SERVICE PROVIDERS BE LIABLE FOR NEGLIGENCE, GROSS NEGLIGENCE, NEGLIGENT MISREPRESENTATION, FUNDAMENTAL BREACH, DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, BREACH OF PRIVACY OR OTHERWISE, EVEN IF THE PARTY WAS ALLEGEDLY ADVISED OR HAD REASON TO KNOW, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, RELIANCE ON, THE WEBSITE, ANY LINKED WEBSITES OR SUCH OTHER THIRD PARTY WEBSITES, NOR ANY SITE CONTENT, MATERIALS, POSTING OR INFORMATION THEREON.

13. Indemnification

To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Insurance Insight Inc., its affiliates, subsidiaries and their respective directors, officers, employees, agents, service providers, contractors, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable legal fees) arising out of or relating to your breach of these Terms of Use or your use of the Website, including, but not limited to, third party sites, any use of the Website’s content, services, and products other than as expressly authorized in these Terms of Use.

14. Enforcement

The failure of Insurance Insight to exercise or enforce any right or provision of the Terms of Use shall not constitute a waiver of such right or provision. If any provision of the Terms of Use is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of the Terms of Use shall remain in full force and effect.

15. Jurisdiction

The laws of the Province of Ontario and the applicable laws of Canada shall govern the Terms of Use and the relationship between you and Insurance Insight with respect to the use of the Website, without giving effect to any choice or conflict of law provision, principle, or rule and notwithstanding your domicile, residence or physical location. You hereby consent and submit to the jurisdiction of the courts of the Province of Ontario and/or the Federal Court of Canada in connection with any proceedings arising from the Website or your use of this Website. You waive any and all objections to the exercise of jurisdiction over you by such courts and to the venue of such courts.

16. Reporting and Contact

The Website is operated by Insurance Insight Inc., 1333 Dorval Drive, Suite 102, Oakville, Ontario, L6M 4G2.

Should you become aware of misuse of the Website, you must report it to Insurance Insight at: [email protected].

All feedback, comments, requests for technical support, and other communications relating to the Website should be directed to: [email protected].