Terms and Conditions
The following terms and conditions, which came into force on December 1st, 2020, constitute the agreement applicable to the use of the InsuraBrokers.ca website, as agreed between its owner and the user thereof. The moment you click the “Send me the Free quotes” icon located at the bottom of the information box, you acknowledge having read and agreed to all of these terms and conditions. It should be noted that these terms and conditions can be modified at any time by InsuranceBrokers.ca. Last update: December 1st, 2020.
Purpose of the website
InsuraBrokers.ca offers the service for collecting the necessary information and putting the user in contact with partners in order to facilitate the access to insurance quotes for the user.
Our mission is to save the user time and money by making it easy to find the insurance that best meets the needs provided by the user, our priority being to find the most competitive price:
Our service includes the following:
- Offer a 100% free and non-binding service for users;
- Collection and distribution of the information required for the preparation of submissions by the partners;
- Obtain fast and competitive quotes while avoiding the multiplication of procedures for the user;
- Provide access to a network of professional partners
First of all, InsuraBrokers.ca is not itself a broker registered with the Autorité des marchés financiers (hereinafter: the “AMF”). InsurabBrokers is merely a tool for collecting and transmitting the information necessary for all partners to create valid quotes for insurance products suited to the users provided needs.
InsuraBrokers.ca does not offer a referral service to do business with one partner over another. The choice to do business with a partner following receipt of the insurance product quote depends entirely and solely on the user and it is up to the latter to make the appropriate verifications with the AMF in order to ensure compliance, legitimacy and the right to practice as a partner, in particular by consulting the registers and information made available to it by the AMF. Before signing a contract with one of our partners, it is the user’s responsibility to demand proof of permit from the AMF and ask the right questions to fully understand the analysis of needs.
Thus, although InsuraBrokers will do its best to put the user in touch with reliable and reputable partners, InsuranBrokers cannot guarantee their qualification, prices, works and services offered and is not responsible for damages resulting from a service agreement made with one of our network partners. See more fully on this subject the section “InsuraBrokers and limitation of liability” below.
Finally, InsuraBrokers does not form part of the contractual agreements between partners and users and does not guarantee the accuracy of the offers sent by our partners. Quotes must be validated with each party implicated. In addition, none of the future clauses may bind InsuraBrokers, its shareholders, directors, employees, agents, assigns, officers and
representatives to any obligations in terms of carrying out brokerage mandates concluded with partners.
InsuraBrokers is not linked in any way with Facebook Inc., either with the “facebook.com” site or any of its services belonging to its network (including, but not limited to ” Instagram ”,“ Occulus VR ”“ WhatsApp ”). InsuraBrokers has not received any approval from Facebook Inc. nor does it intend to do so in the future.
Our “InsuraBrokers” platform provides information that should in no way be taken as real advice from professionals in the world of finance or insurance. Our editors research their information as best they can, but errors may have crept into their texts.
The mission of this platform is very simple: “we put users who have completed our forms on our site in contact with our partners, insurance brokers, mortgage brokers, etc. Our partners hold their appropriate certifications to be professionals in their field. Our forms that provide users with submissions are completely free and do not bind those users in any way.
Information to be transmitted, processing thereof and acceptance by the user
In order to provide its services, InsuraBrokers must collect all the information necessary for the partners to be able to develop a satisfactory submission adapted to the user’s needs. Thus, by accepting these terms and conditions, the user agrees to transmit all the personal or confidential information necessary to InsuraBrokers through an online form, by phone or by email.
Insurabrokers reserves the right to withdraw any information transmitted by the user when it has reason to believe that this information is contrary to these terms and conditions of use or goes against the rights held by third parties.
Any information provided by the user may be modified or removed from the InsuraBrokers Insurance databases by sending an email to this effect to email@example.com. InsuraBrokers reserves a period of 15 days following receipt of such a request to withdraw or modify the information which is the subject of the request.
The information will not be made available to third parties, other than to partners.
By including phone number in the form and submitting it, the user accepts to be contacted by the partners or by InsuraBrokers’ validator team, even if he is registered on the national excluded telecommunication list. The user also agrees to be contacted by the partners by phone, email or text message in order to obtain additional information necessary for the preparation of the quote adapted to the user’s needs or to arrive at the conclusion of a contract. In the impossibility for the partners to reach the user, the latter understands that he will not be able to obtain submissions from these partners.
Accuracy of information provided by the user
The user is at all times responsible for the conformity and veracity of the information that he transmits through the website. All information must therefore be valid, complete and up to date at the time of transmission, otherwise the penalties provided for below in the section “Prohibited acts and penalties in the event of a contravention” may be applied.
InsuraBrokers reserves the right, not the obligation, to view information submitted by users of this site. Thus, InsuraBrokers disclaims any responsibility concerning the verification of the information transmitted by the user and of any effect or damage caused following the transmission or use of these as more fully detailed in the section “InsuraBrokers and limitations of liability ”.
The user who wishes to obtain quotes to take out life insurance, your request may be sent to a financial security advisor. If no submission meets your needs, you can make a second request in order to be put in contact with other partners and thus compare all the submissions obtained.
The confidentiality of information transmitted by the user is of utmost importance to InsuraBrokers. Without being able to guarantee its success, InsuraBrokers commits to take all possible and reasonable means to ensure the security and confidentiality of information transmitted to it by the user and has, moreover, drawn up for this purpose a policy of protection of personal and confidential information in accordance with the An Act respecting the protection of personal information in the private sector which you can consult here: http://www.legisquebec.gouv.qc.ca/fr/showdoc/cs/P-39.1
However, by accepting these terms and conditions, the user understands and acknowledges that despite the good will of InsuraBrokers, it is impossible to guarantee the success of the security measures put in place as well as the confidentiality and security of information transmitted since the Internet is never completely secure. The user thus accepts the risks and possible damages due to the transmission and collection of personal information and accepts the application of the section “InsuraBrokers and limitations of liability ”.
Intellectual property and content
For clarity, the information displayed on the site and any other InsuraBrokers platform is provided for informational purposes and has no official or professional value. Thus, InsuraBrokers does not guarantee the accuracy of the content on its site or any other of its platforms, although efforts are made to keep them up to date.
InsuraBrokers reserves the right to modify or withdraw content from the website or any other of its platforms, without notice.
In addition, the content of the website and its other platforms, its design, layout and functionality as well as the trademarks and images used on the site are the exclusive property of InsuraBrokers and are protected by intellectual property laws. Any copy, reproduction, use, distribution, retransmission, display, publication is therefore strictly prohibited unless you have obtained the written authorization of InsuraBrokers beforehand. However, it is permitted to share our content on social networks and to establish one or more hypertext links (hyperlink) with our web pages, subject to the following conditions: no product from the site is reproduced, no content is placed in a “frame”, that you do not assert anything on behalf of InsuraBrokers (such as recommending a product or service) and that your site does not contain any slanderous, obscene or threatening material.
A violation of this section results in the application of the appropriate sanctions as described below in the section “InsuraBrokers and limitations of liability” and is liable to prosecution.
For user information, the InsuraBrokers website uses “cookies”.
A cookie or cookie is a small text file saved on the hard drive of a visitor to a site like this one. No confidential information is saved and it is not dangerous or harmful to your system. On the contrary, cookies are used to personalize and thus improve the browsing experience on this web platform. If the user no longer wishes to be subject to cookies, he can deactivate them via the options of his browser (whether it is Google Chrome, Mozilla Firefox, Internet Explorer or other).
InsuraBrokers uses Google Analytics and other web tracking tools to analyze user profile and behavior. The data thus generated are transmitted and stored by Google. The user understands that Google may have to communicate this data to third parties if it was legally obliged to do so or if these third parties process this data for Google.
InsuraBrokers and limitations of liability
InsuraBrokers – Obligation of means: InsuraBrokers undertakes to act in the best interests of the user, while exercising prudence and diligence. It also undertakes to act to the best of its abilities in accordance with the practices and rules of the art in order to ensure a quality service in accordance with these terms and conditions through its InsuraBrokers site.
Limitation of general liability in the event of damage : Subject to the relevant provisions of the law, InsuraBrokers, its shareholders, directors, employees, agents, assigns, officers and representatives, are not liable for any direct or indirect damage that may be caused to the user or to a partner arising from the use or inability to use this website, whatever the cause.
Without limiting the generality of the foregoing, InsuraBrokers does not guarantee and is in no way responsible for the following:
- Limitation of liability concerning the functionality of the site: The user understands that no website is entirely immune to computer or other problems and that thus InsuraBrokers cannot guarantee an uninterrupted and fully functional online quote request service (accessibility, error messages, etc.) at all times. Thus, InsuraBrokers does not guarantee in any way the availability or functioning of the website or any other of its platforms or the result of the procedures for requesting a quote.
InsuraBrokers does not guarantee that files hosted on our server will not cause error, that they will not contain computer viruses, trojans or other elements harmful to your computer hardware.
InsuraBrokers reserves the right to terminate its activities, for any reason whatsoever, without notice.
- Limitation of liability concerning the content of the site: As specified previously, InsuraBrokers is not a broker and cannot guarantee the conformity and updating of the information contained on the website.
InsuraBrokers is in no way responsible for any direct or indirect damage caused to the user in connection with any use of any information appearing on the site, any action taken on the basis of the information posted on its website or its platforms or any errors, omissions, inaccuracies or lack of updating in the content.
The opinions or comments in the pages and articles of InsuraBrokers website are those of the editors or of the person to whom they are attributed. InsuraBrokers is not responsible for it.
- Limitation of liability for external sites: InsuraBrokers does not review, endorse, approve or recommend the content posted on websites or any other platform to which hyperlinks
lead. InsuraBrokers can therefore in no way be held responsible for the content of external sites.
When you visit these sites outside of InsuraBrokers, it is entirely at your own risk.
- Limitation of liability concerning the validity and protection of personal and confidential information: As stated previously, the user is at all times responsible for the conformity and veracity of the information that he transmits through the website.
Thus, InsuraBrokers disclaims any responsibility for the verification of information transmitted by the user and any effect or damage caused directly or indirectly following the transmission or use of these.
Moreover, although InsuraBrokers commits to take all possible and reasonable means to ensure the security and confidentiality of the information transmitted to it by the user, InsuraBrokers is in no way responsible for direct or indirect damage suffered by the user in connection with the protection of personal or confidential information transmitted since this is in no way guaranteed.
- Limitation of liability concerning partners and their services: As specified previously, InsuraBrokers does not offer a referral service and is not party in any way to contractual agreements between users and partners.
InsuraBrokers disclaims all responsibility for the partners’ right to exercise, any verification incumbent on the user with the AMF and it can in no way be held responsible for the choice to do business with one partner rather than another and consequences of this choice, in any way. Thus, InsuraBrokers cannot be held responsible for the products or services sold or for any damage caused by the user or partner.
Obligations of users and partners, penalties in the event of contravention and indemnification commitment
The partners and users of the service undertake to:
- comply with all the provisions of these terms and conditions;
- comply with the legislation in force at all times;
- provide legitimate, accurate, complete and up-to-date information;
- not to transmit a fictitious, vexatious request or having the sole purpose of harming or causing an unnecessary waste of time;
- not to compromise the security, accessibility and integrity of the website in any way (malware, spam, viruses, etc.);
- not to represent another person or company without their consent;
- not to violate the rights of InsuraBrokers and third parties, including trademark rights, patent rights, rights to privacy or publicity, copyrights, etc. ;
- not to use a robot or any other electronic means to collect data;
- not to circumvent protective measures intended to restrict access to any part or parts of InsuraBrokers website.
In the event that the user or partners commits a prohibited act or generally contravenes any of the provisions of these terms and conditions, InsuraBrokers reserves the right :
- to restrict or prevent access to its site, its services and all of its platforms, without prior notice;
- to initiate, without delay or notice, any legal action or to take any action necessary to put an end to the contravention and to be compensated for the resulting damages. This compensation shall cover legal and extrajudicial costs, audit costs and other costs and expenses incurred in the course of any lawsuit, action or proceeding relating to the foregoing.
Compensation commitment : The user or the partners undertake (s) to indemnify InsuraBrokers and to protect it, its shareholders, directors, employees, agents, beneficiaries, officers, representatives and partners from all liability in the event of a claim, request or legal action (including costs judicial and extrajudicial, audit costs and other costs and expenses incurred in the course of any lawsuit, action or proceeding relating to the foregoing) for damages suffered or incurred and resulting directly or indirectly from their (their) use of the site to InsuraBrokers, in the event of its (their) liability being called into question or in the event of a breach of any of its (their) obligations in connection with these terms and conditions.
Non-waiver : The silence, negligence or delay of InsuraBrokers to exercise any right or remedy provided for in these terms and conditions shall under no circumstances be interpreted or understood as a waiver of its rights and remedies, and such right or any available remedy necessary to exercise it shall remain valid for as long as the contractual or legal prescription provided for the exercise of such a right or remedy has not expired.
Illegality : The fact that a provision on this page is declared null, invalid or unenforceable by a competent court has no impact on the other provisions of these conditions of use which then continue to exist and apply.
Applicable laws and election : The terms and conditions of InsuraBrokers and their interpretation are governed by the laws of the province of Quebec and by the federal laws of Canada applicable therein. The Parties agree, for any claim or legal action for any reason whatsoever relating to these terms and conditions and their interpretation and application, to choose the judicial district of Quebec, province of Quebec, Canada, as the appropriate place for the hearing of these claims or legal proceedings to the exclusion of any other judicial district which may have jurisdiction over such a dispute according to the requirements of the law.
Contact details and contact
Do not hesitate to contact us for any additional information.
Contact details for InsuraBrokers:
Signature and acceptance of the conditions : By accepting these conditions of use of the website, the user has read, understands and accepts:
- to generally respect all the provisions, obligations and commitments of these Terms and Conditions;
- to respect all the provisions on the limitations of liability and indemnification commitment
- that their personal and confidential information be collected in accordance with the Personal and Confidential Information Protection Policy.