Terms of Service, or Terms of Use

By entering this website (hereinafter referred to as the "site"), you accept and agree to comply with these terms and conditions of use. Should you disagree with these terms, please cease using the site immediately. We retain the right to amend, change, or update these terms and conditions at any time at our sole discretion, and you agree to adhere to any such revisions. This site's content is provided by Talented Planning Insurance Services ("TIPS"), a licensed insurance broker in Ontario. The insurance industry in Ontario is regulated by the Financial Services Regulatory Authority of Ontario ("FSRA"). For further information, please visit FSRA’s website.

Welcome to Insuvise Brokerage (IB) Inc.

Welcome to Insuvise Brokerage (IB) Inc. (“Insuvise,” “we,” “us,” or “our”), the owner of www.insuvise.com (the “Site”). The Site, along with all related webpages, mobile-optimized versions, online services, mobile services, and software, offers insurance brokerage services, insurance quote comparisons, insurance advisory tools, and related offerings (collectively referred to as the “Services”). These Terms of Service (“Terms”) govern your access to and utilization of the Site, including the application for and purchase of any insurance policy through us, our subsidiaries, affiliates, and representatives. By accessing or using the Site, you, your authorized representatives, and any entity you represent agree to these Terms, forming a legally binding agreement with Insuvise Brokerage (IB) Inc.

Please review these Terms thoroughly before using our Site. They govern: (1) your access to and use of the Site; (2) the provision of our Services; and (3) your interactions with certain third parties. We reserve the right to amend these Terms as our Services develop, and it is your duty to periodically review the Site for any updates. By accessing or using our Services, you acknowledge and agree to be bound by these Terms as well as our Privacy Policy. Should you not agree to these Terms or our Privacy Policy, you must immediately cease using our Services and any information available on the Site.

Gathering and Utilization of Personal Information

When utilizing certain services on our website, we may collect personal information and transmit it to our partners. Your use of our Services may involve the transmission of certain personally identifiable information to us. Our procedures for collecting, utilizing, and storing this information are outlined in our Privacy Policy, which is fully incorporated herein by reference.

Insurance Quoting and Brokerage Services

Insuvise Brokerage (IB) Inc. is a licensed life insurance brokerage operating in Ontario regulated by the Financial Services Regulatory Authority of Ontario (FSRA). Our services encompass personalized insurance advice provided to visitors of our Site through digital tools which evaluate their insurance needs and recommend suitable insurance products. This advice is formulated based on information supplied by Site visitors in addition to third-party tools, data feeds, open-source data, and partner data.

As a licensed insurance brokerage, we offer recommendations and facilitate the purchase of life and related insurance products from various insurance companies licensed in Canada. However, it's important to note that all insurance products quoted or sold through our website are third-party offerings and not directly provided by us. We refrain from making representations or warranties regarding these products and assume no liability in connection with them.

These products are provided to you under the terms and conditions of the insurance carriers offering them. Therefore, any questions, concerns, or disputes concerning these products should be directed to the respective insurance carrier, rather than to us.

Utilization of certain services may necessitate your acceptance of supplementary terms and conditions, or engagement in separate agreements with us or relevant third-party insurance carriers. Any third-party insurance products acquired through the website are subject to the terms and conditions stipulated by the respective insurance carrier.

Should a conflict arise between these Terms of Use and the terms of any such additional agreements, the terms of the latter shall prevail.

Obtaining Quotes and Validity of Quotes

We utilize a third-party provider to procure insurance quotes showcased on our Site. These quotes are established by the insurers and furnished to us through the third party. Please be aware that we reserve the right to restrict the number and type of products or the duration of offers displayed to you.

Quotes displayed are formulated based on the information you provide and are subject to verification by the respective insurance companies. It's crucial to understand that these quotes do not constitute a contract or agreement to extend insurance coverage. To avoid potential alterations in price or denial of coverage, it's imperative that all information provided is accurate. Please note that the final quote is contingent upon additional information collected by the insurance company.

Services We Provide

• • Quote Procurement: We facilitate the acquisition of insurance quotes from third-party insurance companies, enabling you to conveniently save and access them at your discretion.
• • Policy Comparison: Utilizing our tools and concise information, we aid in comparing various policies and quotes offered by third-party insurance companies.
• • Needs Assessment: Our informational and computational tools are tailored to recommend insurance products aligned with your individual requirements.
• • Proprietary Content ("Content"): We provide easily comprehensible information to educate you about insurance products, ensuring clarity and understanding.
• • Insurance Product Acquisition: As licensed insurance brokers, we streamline the process of purchasing life and related insurance products, ensuring efficiency and compliance throughout.

Our Revenue Model

The services rendered through our Site and tools are offered to you without any associated charges. In the event of your decision to procure an insurance policy through us, the insurance company will remunerate us with a commission based on the premium assessed. Furthermore, we may receive performance-based compensation from insurance companies. The commission we receive is integrated into the premium you pay, and no supplementary payment is required from you. Any additional fees or charges you may encounter are determined exclusively by the insurance company and are unrelated to our services. Be assured, we strictly adhere to all pertinent laws and regulations governing the receipt of fees or commissions.

Independence of Our Advisory Services

Our advisory services are characterized by impartiality and independence, serving to enhance your decision-making process. We are dedicated to providing unbiased and objective analyses of the diverse range of insurance products and companies available in your province. Our recommendations may be limited to insurance companies and products that have provided relevant information to us or our third-party data providers, or those with whom we have contractual agreements. We continually evaluate our affiliations to ensure that the insurance companies and policies we present accurately represent the market landscape.

Insufficient Information

In the event that we cannot gather sufficient or precise information from you, it may impede our ability to furnish suitable recommendations or quotes. It's important to note that product information and descriptions on the Site are intended for general informational purposes only. For comprehensive details of coverage, please refer to the actual policy. Additionally, it is imperative that you provide full and accurate material circumstances regarding your risk throughout the lifetime of your policy.

Geographical Service Availability

Exclusive Geographic Scope: Our insurance products are tailored exclusively for residents of Ontario, Canada. While individuals residing outside of this province may access certain sections of our Site and utilize some of our Services, we cannot warrant the accuracy, availability, or dissemination of our Content and Services to them. Please be advised that we retain the right to restrict access to our Site or Services at our discretion.

Additional Terms

Site Access Protocol

You are accountable for ensuring your access to our website. We cannot assure uninterrupted availability of our website or any of its content or services. We retain the right to modify or discontinue parts of the website without prior notice. If others access our website through your connection, you are responsible for ensuring their adherence to these terms. To utilize our services, you must be at least 18 years old.

Content Accuracy

The Site operates as a platform for comparing third-party insurance products. However, we do not guarantee the accuracy of the information presented on the Site and cannot be held accountable for any inaccuracies. Therefore, it is imperative to utilize the information on the Site at your own risk. We disclaim liability for any decisions or actions made based on the information obtained from the Site.

We shall exert reasonable efforts to ensure the accuracy and completeness of your Personal Information. Should you identify any inaccuracies, you may request corrections to your Personal Information, provided such requests are made in writing and include sufficient detail to identify your Personal Information and the correction being sought.

No Liability

While every effort has been exerted to ensure the accuracy of the material contained on the website at the time of publication, Insuvise shall not, under any circumstances, be held liable to you or any other individual for any loss or damages (direct, indirect, special, economic, incidental, consequential, punitive, or exemplary, including without limitation loss of revenue, data, anticipated profits, or lost business) arising from the use of, or inability to use, or reliance on, the website, its content, or links (including without limitation any inaccuracies or viruses), or any web browser or other equipment.

To the fullest extent permitted by law, we are not liable for indirect, incidental, or consequential damages, including loss of profits, data, or goodwill. Our total liability for any claim under these Terms is limited to $50 CAD.

Additionally, we hold no liability for any loss resulting from viruses or harmful material encountered while using our website. It is your responsibility to safeguard your IT systems and data.

Third-Party Links and Websites

The Services may contain links to third-party websites, services, or content. However, we bear no responsibility for these third-party sites and do not endorse or exercise control over them. Utilize third-party websites at your own risk, as we disclaim any liability for any issues arising from their use.

Intellectual Property Rights

All content on the Site is copyrighted by Insuvise, with the exception of third-party trademarks or service marks. Reproduction, modification, distribution, or utilization of Site content is strictly prohibited without our prior written consent.

Voluntary Information

If you voluntarily submit information, it shall be considered non-confidential and non-proprietary. We retain the right to utilize this information for any purpose, including reproduction, transmission, and marketing. By submitting voluntary information, you grant us the right to use, modify, and publish it without compensation.

Prohibited Activities

You agree not to:

• • Employ the Services for unlawful purposes
• • Violate third-party rights
• • Interfere with security measures
• • Upload or distribute malicious code
• • Collect personal information without consent
• • Utilize automated means to access the Site
• • Participate in fraudulent activities
• • Sell or transfer access to the Site

Correspondence via Email

We do not accept transactions or instructions via email. However, general inquiries can be sent to us by email. Please be aware that any communication transmitted electronically becomes our property and may be used for any purpose.

Transactional Communications

We may send notifications regarding activities related to your use of our Site and Services. This includes emails and SMS messages for account actions, insurance applications, and updates. We may utilize third-party providers for SMS services. If you wish to opt-out of SMS messages, you can do so by texting “STOP” to the short code provided.

Marketing Communications

If you sign up for an account or subscribe to our newsletter, we will send you marketing communications. These may include articles, offers, and information about financial and consumer products. If you wish to unsubscribe from marketing emails, you can do so by contacting us at contact@insuvise.com or by using the unsubscribe links provided in the messages.

We uphold safeguards to prevent unauthorized access to your data. In the event of a data breach, we will conduct an investigation and notify affected individuals as required by law.

Complaints

If you are dissatisfied with our services, please reach out to our customer service team at contact@insuvise.com. We are committed to addressing your concerns promptly.

Indemnity

By accessing the website, you agree to indemnify and hold harmless Insuvise, its agents, suppliers, and their respective directors, officers, and employees from any and all actions, proceedings, costs, claims, liabilities, damages, and expenses (including reasonable legal fees) arising from or in connection with a breach of these terms and conditions or the use of this website. Additionally, you agree to indemnify and hold Insuvise and its affiliates harmless from any claims or damages arising from your breach of these Terms or misuse of the Services.

Termination

We reserve the right to terminate your access to the Services at any time without prior notice. Upon termination, your right to use the Site and Services will cease. However, certain Terms that should survive termination will continue to apply.

Governing Law

These Terms are governed by the laws of Ontario and Canada. Any disputes arising from these Terms will be resolved exclusively in the courts of Ontario.