LEGAL STUFF

Terms & Conditions

The fine print

Index

General

Acceptance of terms of use

These web site Terms of Use, including our Privacy Policy and Personal Information Consent documents, govern your use of the Insurely Inc. (“Insurely”) web site. By accessing and browsing this web site 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 this web site. Insurely reserves the right at any time to modify, suspend or terminate the web site (or any portion of it) and/or your use of or access, with or without notice. Insurely will not be liable to you or any third-party for any modification, suspension, or termination of the site or the site materials. Insurely may amend these Terms at any time by posting the amended terms on this site, without notice to you. Your use of the web site after such posting will constitute consent to the modified Terms. If you do not accept and agree to be bound by the terms and conditions, please do not continue using this site.
“Site Materials” means all services, information, data, document, communications, downloads, files, text, images, videos, webcasts, tools, resources, products, or other content made available or enabled via this site by Insurely or any authorized third party.
Your obligations under these Terms include the obligation to abide by other terms and conditions (“Supplemental Terms”) that may apply to specific Insurely services, projects, features and products. This includes your use of any Insurely service made available to you on a preview or free trial basis, or any other product or service that you may license or purchase. If a provision of any Supplemental Terms conflicts with these Terms, the provision of the Supplemental Terms will prevail in the context of the service, project or product that is subject to the Supplemental Terms. Insurely is paid a commission of 10-30% per policy premium by insurers we are contracted.

Referral Disclosure

Insurely may partner with a variety of licensed and unlicensed organizations who may refer potential customers to us. Some of these partners may receive a referral fee for introducing a potential customer to Insurely. Referral partners do not provide insurance advice or discuss insurance products — all insurance guidance is provided solely by Insurely’s licensed brokers.

Product and website availability

The services described in this web site are available only to Canadian residents, who have reached the age of majority, and who possess the legal authority to create a binding legal obligation.

Privacy

When you use this web site to obtain an insurance quote or to purchase an insurance policy, certain information is sometimes collected, some of which may be personal. Third-Party Marketing and Lead Generation: As part of our efforts to enhance our services, Insurely may engage in marketing initiatives that involve partnerships with third-party companies. These companies assist us in bringing potential customers or leads to our website. In some cases, Insurely may pay marketing fees to these third-party partners for their role in these efforts. What This Means for You: While we may collaborate with third-party marketing companies, your personal information will always be handled in accordance with our strict privacy standards. These partnerships are intended to help us offer you competitive products and services, while ensuring that your privacy and data are protected.

We do not share your personal information with these third parties unless it is necessary to fulfill your request (e.g., completing an insurance quote or policy). Any information sharing will be clearly communicated to you, and your consent will be obtained when necessary.

By using our website or services, you acknowledge and agree that Insurely may pay marketing fees to third parties as part of these initiatives. This does not affect the pricing or availability of services offered to you. For more information please read our Privacy Policy carefully.

Collection of Public Information

Insurely may gather any public information about customers from the following sources:
  • The internet and any public social media profiles that have been made publicly available;
  • Public records, including but not limited to, criminal record checks from federal or provincial government offices, public registries, and other sources permitted by law and that is accessible by the general public.
Insurely limits the collection of accurate and up-to-date public information and may be used for the purpose stated in Insurely’s Privacy Policy.

Recording of Phone Calls

Insurely Insurance may monitor and record all incoming and outgoing phone calls for record-keeping, training and quality-assurance purposes. All recorded phone calls are stored securely, and the recorded phone call will only be used for the purpose disclosed. Your phone call may be released to a third party to meet our obligations and assess your eligibility, premiums and adjustment of claims. Our third-party partners also adhere to the applicable Privacy Laws which regulate the collection, use and disclosure of your personal information as we do. If you do not wish to have your call recorded, you will be given an opportunity to communicate with Insurely using another format.

Information Accuracy

All information on this web site, including quotations and information relating to premiums, is subject to change without notice. We strive to provide accurate and up-to-date material on this web site. However, we make no warranties or representations and there are no conditions as to the accuracy or timeliness of the material provided on this web site. We assume no liability or responsibility for any errors or omissions on this web site. The performance of this web site and all information contained on, downloaded or accessed from this web site are provided to you on an as-is basis, without warranties of any kind whatsoever, including any implied warranties or warranties of merchantability, fitness for a particular purpose or non-infringement of the rights of third parties. Insurely shall not be responsible for any problems or technical malfunction of any telephone network or lines, computer on-line systems, servers, Internet access providers, computer equipment, software or any combination thereof including any injury or damage to your or any other persons’ computer as a result of using this web site. Insurely reserves the right, at its sole discretion, to modify, disable access to or discontinue, temporarily or permanently, any part or all of this web site or any information contained thereon without liability or notice to you.