Introduction
Welcome to the Best Insurance Online website (the “Website”) owned and operated by Best Insurance Online Inc. (“Best Insurance Online,” “we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of our Website and any content, functionality, products or services offered on or through the Website, whether as a visitor or a registered user.
Please read these Terms carefully before accessing or using our Website. By accessing or using any part of the Website, you agree to become bound by these Terms. If you disagree with all the Terms, you may not access or use the Website. If these Terms are considered an offer, acceptance is expressly limited to these Terms.
We may revise and update these Terms occasionally at our sole discretion. All changes will be effective immediately after we post them. Your continued use of the Website following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page occasionally to be aware of any changes, as they are binding on you.
Accessing Our Website
We grant you a limited, revocable, non-exclusive, non-transferable license to access and make personal, non-commercial use of the Website. You cannot download, copy, or modify any portion of the Website except with our express written consent.
Age Restrictions
The Website is not intended for children under 18. If you are under 18, you may not register for an account or use the Website.
Accounts and Passwords
You may be required to register for an account to access some website features. When you register for an account, you agree to provide accurate, current, and complete information about yourself. You are solely responsible for safeguarding and maintaining the confidentiality of the login credentials you use to access your account and for any activities in connection with your account. You agree to notify us immediately if you suspect or become aware of unauthorized account use.
Intellectual Property Rights
The Website and all of its content, including text, graphics, logos, button icons, videos, images, data compilations, software code, and other materials, are our property and are protected by Canadian and international intellectual property laws. All materials displayed or performed on the Website, including but not limited to text, graphics, logos, tools, photographs, images, illustrations, and software, may not be copied, reproduced, downloaded, distributed, transmitted, republished, displayed, posted or framed in any form without our prior written permission.
Acceptable Use Policy
You agree not to misuse the Website or help anyone else to do so. This includes:
- Harming or attempting to harm minors
- Transmitting any unlawful, threatening, abusive, libellous, defamatory, obscene, vulgar, pornographic, profane, or indecent information
- Transmitting any viruses, worms, Trojan horses, time bombs, or any other harmful software
- Gaining or attempting to gain unauthorized access to the Website or our servers
- Using any data mining, robots, or similar data gathering, extraction, or scraping tools on the Website
- Selling, reselling, renting, leasing, sublicensing, distributing, or exploiting the Website or any of its content for commercial purposes
- Modifying, adapting, translating, reverse engineering, decompiling, or disassembling any portion of the Website
We reserve the right to terminate your access to the Website if you are found violating any of the above rules.
Life Insurance Quotes and Application Process
Insurance Quotes
Our Website allows you to obtain a personalized life insurance quote from one of our partner life insurance companies in Canada. The quotes presented on our Website are non-binding and subject to change. The insurance company will determine the final premium after reviewing your application and completing their underwriting process. We cannot guarantee that the quoted premium will match the final policy premium.
Quotes generated on our Website do not represent offers or obligations by us or any insurance company to provide insurance coverage. We are not an insurer. Only the insurance company can offer you insurance after reviewing your complete application.
Insurance products, premiums, and policy features may vary based on your individual circumstances, such as age, gender, health, lifestyle, occupation, and province of residence. The quotes presented on our Website are based on the information you provide, but the insurance company will determine eligibility and premiums after reviewing your application.
Application Process
If you decide to apply for life insurance after receiving a quote, you must complete an application with one of our partner insurance companies and go through their underwriting process. We will assist you through this process.
You will be required to provide complete and accurate information on your application. Failing to provide complete and accurate information may result in denial of your application or rescission of your policy. You must disclose any material facts that may influence the insurance company’s underwriting decision.
The insurance company may require additional information, medical examinations, tests, attending physician statements, and other requirements as part of the underwriting process.
We do not control insurance companies’ underwriting or claims decisions. The insurance company has full authority to accept, reject, or rate your application according to its criteria and guidelines.
If your application is accepted, you will receive a policy contract from the insurance company that outlines all terms, conditions, limitations, and exclusions. Make sure to review your policy carefully.
Privacy Policy
We are committed to protecting your privacy and safeguarding your personal information. Please review our Privacy Policy, which explains how we collect, use, disclose, and protect your personal information. Using our Website, you consent to our collection and use of your information as outlined in our Privacy Policy.
Disclaimers and Limitations of Liability
Our Website and materials on it are provided on an ‘as is’ basis without warranties, either expressed or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
Under no circumstances, including negligence, will we be liable for any direct, indirect, incidental, special, or consequential damages arising from your access or use of, or inability to access or use, the Website or any content, even if we have been advised of the possibility of such damages.
You expressly acknowledge that we will not be liable for any of the following:
- Any action you take or fail to take based on information provided on the Website
- Any unauthorized access to or alteration, theft, or destruction of your data or equipment
- Any service interruptions, inaccuracies, errors, or omissions on the Website
- Damages resulting from any viruses or harmful code that may affect your access to or use of the Website
Specific provincial laws do not allow limitations on implied warranties or exclusions of certain damages. If these laws apply to you, some or all of the disclaimers, exclusions, or limitations above may not apply to you.
Indemnification
You agree to fully indemnify, defend, and hold us and our directors, officers, agents, contractors, partners, employees, and representatives harmless from and against any claims, damages, losses, or expenses (including reasonable attorney fees) that arise out of or relate to:
- Your use or misuse of the Website
- Any user content you submit, post, transmit, or otherwise make available on the Website
- Your violation of these Terms or any applicable laws
- Your violation of any rights of a third party
We reserve the right, at our own expense, to assume exclusive defence and control of any matter subject to your indemnification. You agree to cooperate fully with us in any defence.
Governing Law and Jurisdiction
These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, excluding its conflict of laws rules. You expressly agree that exclusive jurisdiction for any dispute with Best Insurance Online, or in any way relating to your use of the Website, resides in the courts of the Province of Ontario.
Termination
We reserve the right, in our sole discretion, to restrict, suspend, or terminate your access to all or any part of the Website at any time for any reason without prior notice or liability. We reserve the right to change, suspend, or discontinue all or any part of the Website at any time without prior notice or liability.
Changes to These Terms
In our sole discretion, we reserve the right to change these Terms at any time. Updated versions of the Terms will be posted on the Website and are effective immediately. Your continued use of the Website after a change constitutes your acceptance and agreement to the changed Terms.
Contact Us
If you have any questions about these Terms, please contact us at:
Bestinsuranceonline.ca
Email: [email protected]
Phone: 1 877-611-6722
Address: ORCA Financial Publishers, 36 Toronto St #850, Toronto, ON M5C 2C5, Canada
