Terms and Conditions of Use and Privacy Policy of Compare Insurances Online

The following terms and conditions have been in effect since August 3, 2017. They may be amended at any time without prior notice from us. By using this site, you acknowledge having read, understood and accepted the following conditions.

Compare Insurances Online (Services)

Our service is committed to the following principles:

• Offer a 100% free and no-obligation service to “requesting” users
• Fast and competitive quotations
• Through a network of professional partner insurers

OUR MISSION: save you time and money by allowing you to easily find your insurance according to your needs. Our service does not favor any of its partners, our priority is for you to find the best price.

In the text below, for the sake of brevity, the terms “insurer” or “partner” refer to insurance brokers, as well as direct insurers.

Exclusion of Contractual Agreements

Compare Insurances Online acts as an intermediary between the users of the service (solicitors) and our partner insurers.  We do not claim to sell insurance; we are not an insurance broker or insurer.  Compare Insurances Online does not hold any other title on behalf of insurance companies.

Compare Insurances Online cannot be included in a contract coming from a contact (applicant/partner) via our web platform.

Compare Insurances Online cannot be held responsible for the products or services sold or any damage caused by the customer (applicant) or the partner (insurer).

Confidentiality of your Information

Compare Insurances Online is committed to respecting the Privacy Act for the protection of personal information in the private sector.

The Use of your Information

By submitting your information to Compare Insurances Online by means of an online form, by telephone or by e-mail, you consent to their transmission to one of our partners to allow them to make you a quote by email and / or phone.

By sending us your phone number via our online form or email, you agree to be contacted by the partner companies, even if you are on the excluded national telecommunications list.

Compare Insurances Online is committed to making reasonable use, not abusive, of your contact information in order to contact you. You agree to receive our confirmation, satisfaction evaluation, and other messages from the Compare Insurances Online team.

You can always be removed from our contact list by sending an email (see our contact information below.)

You agree that our partners will carry out the usual checks with your information (history of insurance claims, credit bureau, driver’s license).

Your information will not be given or shared with third parties.

Compare Insurances Online reserves the worldwide, irrevocable, perpetual, and unpaid right to retain and transmit the data from users of the service.

When filling the form to receive quotes, you accept to occasionally receiving offers from our partners in related service/product niches. You are free to unsuscribe to those at any moment.

Use of Cookies

Compare Insurances Online website uses cookies.

A cookie is a small text file saved on the visitor’s hard drive from a site like this one. No confidential information is taken. This is not dangerous or harmful to your system. On the contrary, cookies are used to personalize and improve your browsing experience on this web platform. If you no longer wish to be subject to cookies, you can disable them via your browser options (whether Google Chrome, Moxilla Firefox, Internet Explorer, or other).

Compare Insurances Online uses Google Analytics and other web tracking tools to analyze the profile and behavior of users.  The data generated is transmitted and stored by Google.

Google may have to disclose this data to third parties if required by law to do so or if these third parties process the data for Google.

Validation of Quotes or Information

Compare Insurances Online does not guarantee the accuracy of quotes sent by our partners.  They must be verified with our partners.

Before signing a contact with one of our partner insurers, it is your responsibility to require their license from the Autorité des Marchés Financiers (AMF) and to ask the right questions to fully understand your needs. Compare Insurances Online does not guarantee the accuracy of the content on its site or any of its platforms.  We will nevertheless try to keep them up to date.  If you would like to report an error, please contact us.

The information posted on the site and any other web platform is provided for informational purposes and has no official or professional value. Compare Insurances Online is not a financial advisor.  We recommend that you consult an insurance professional or insurer.

The opinions or comments in the pages and articles of Compare Insurances Online are those of the editors or the person to whom they are attributed.  Compare Insurances Online is not responsible for this.

Legitimate Use of the Service

The partners and users of the service (applicants) undertake to:

• Provide legitimate information
• Respect the law in force at all times
• Do not compromise the security, accessibility, or integrity of the website in any way (malware, spam, viruses, etc.)
• Not represent another person or company without their consent
• Do not use a robot or other electronic means to collect data
• Do no circumvent protective measures to restrict access to any part of Compare Insurances Online web site

By using our service, the user of the service agrees not to submit fictitious requests to receive information from Compare Insurances Online or our partners.

In the event that false or erroneous information is transmitted by the user of the service (the applicant) to Compare Insurances Online, the user of the service is obligated to indemnify Compare Insurances Online for any recourse or legal action against our company or service.  The compensation must cover legal, extrajudicial, and legal costs.

In the event of an attack in the form of viruses or any other prejudice to the integrity of the website or any other platform of Compare Insurances Online, we will prosecute for damages without notice.

Actions on the faith of Site Content

Compare Insurances Online disclaims any liability for damages that may arise from actions based on information posted on our website or our platforms.

Availability & Site Security

Compare Insurances Online does not guarantee the availability or operation of the website or any of its platforms.

Compare Insurances Online does not warrant that the files hosted on our server will not cause an error, that they do not contain computer viruses, Trojan horses, or other harmful elements to your computer hardware.

Compare Insurances Online reserves the right to terminate its activities without notice, for any reason whatsoever.

Disclaimer to External Sites

Compare Insurances Online does not endorse the contents posted on websites or any other platform to which hyperlinks lead.

When you visit these external sites at Compare Insurances Online, it is at your own risk.

Copyright

The website and contents of Compare Insurances Online are protected by copyright.  Written permission must be obtained from Compare Insurances Online to use them.  It is permissible to share content on social media.  Compare Insurances Online reserves the right to modify or remove content from the website or any of its platforms without notice.

Compare Insurances Online reserves the right to use any ideas received from users (applicants) or its partners, whether they relate to business development, marketing, service development, or otherwise.

Judicial Litigation

In the event that a dispute arises with respect to the application of the terms and conditions on this page, any appeal must take place in the Judicial District of Quebec.

You agree to indemnify Compare Insurances Online, its officers, and its partners in the event of any claim (and attorney’s fees) arising from your use of the Compare Insurances Online website or in the event of their liability being questioned.

General Responsibility

Shareholders, directors, employees, and other persons associated with Compare Insurances Online cannot be held liable for damages resulting from their use, whatever the cause.

Do not hesitate to contact us for any additional information.

Contact details of Compare Insurances Online:

• https://compareinsurancesonline.ca
• info@compareinsurancesonline.ca
• 1 (438) 600-1199