Terms of Use
Effective Date: April 4, 2025
Introduction
These Terms of Service (the “Terms”) together with the Privacy Policy govern your access and use of the website (the “Website”), the platform (the “Platform”) and all online products and/or services (collectively and together with the Website and the Platform, the “Services”) that are owned and operated by PolicyMe Corp. (“PolicyMe,” “we,” “us,” or “our”). For clarity, once you have purchased an insurance product, you will be provided with the applicable insurance documents, the terms of which will govern the specific product which you have purchased (a “Purchased Product”).
We provide distribution and administrative services related to the sale of insurance products. We may provide these services on behalf of third-party partners, such as the insurance companies that issue the insurance policies that you may apply for through the Website.
Please read these Terms fully and carefully before using the Services, as these Terms form a legally binding contract between you and us for your use of the Services. These include various disclaimers, limitations, and exclusions, and a dispute resolution clause that governs how disputes will be resolved. We provide you with access to and use of the Services subject to your compliance with these Terms. By using the Services, you agree to be bound by these Terms.
If you are an Advisor (defined below) accessing the Services on behalf of your customer or another entity, you represent and warrant that you have the authority to agree to these Terms on their behalf and acknowledge it is your responsible to obtain and maintain any required licenses. “Advisor” refers to any financial advisor, lawyer, wealth or retirement advisor, insurance broker or any other person that you may use to help you access the Services.
1. Modification
We reserve the right at any time to change: (i) these Terms of Service; (ii) the Website, the Platform, or the Services (except for the terms of any Purchased Products), including terminating, eliminating, supplementing, modifying, adding or discontinuing any of Our Content (defined below) or features or data or services on or available through the Website, the Platform, or the Services or the hours that they are available or imposing limitations on certain features and Services or restricting your access to parts or all of the Services; and (iii) the equipment, hardware or software required to use and access the Website, the Platform, or the Services.
Any changes we make to these Terms of Service will be effective immediately upon notice, which we may provide by any means including, without limitation, posting on the Website, and/or the Platform. Be sure to return to the Website periodically to ensure familiarity with the most current version of these Terms of Service. Your continued use of the Services following notification of any changes to these Terms constitutes acceptance of those changes.
2. Eligibility
By registering for the Services, you represent and warrant that you are (i) a Canadian resident and (ii) the age of majority in the jurisdiction you reside. If you are under the age of majority, you may not, under any circumstances or for any reason, use the Services. We reserve the right to change our eligibility criteria at any time.
3. Registration and Responsibilities
While certain aspects of the Services are public, others require you to sign up for the Services by registering for an account (an “Account”). You are solely responsible for keeping the email associated with your Account accurate and up to date, since this is the only way we can contact you about your Account and your use of the Services. You promise not to (i) intentionally impersonate another person by using their name and/or email address or (ii) use an email address for which you don’t have the proper authorization. You are responsible for keeping your email password secure and should never publish, distribute or post your Account login information. You are also responsible to immediately let us know if there is any unauthorized use of your Account.
4. Your Information
a) Overview. You are solely responsible for any content that you add, create, upload, submit, distribute or post to the Services and you represent that all of Your Information (as defined below) provided or generated by you is accurate, complete, current and in compliance with all applicable laws, rules and regulations (collectively, “Laws”). Furthermore, you represent that all information that you provide is yours to provide and will not infringe on any other person’s rights. “Your Information” includes all information that we collect from you through the Services (and which are outlined in our Privacy Policy under “What Personal Information Do We Collect?”).
By submitting Your Information through the Services, you hereby authorize us to use Your Information, including after termination of your Account or the Services, as necessary (1) to operate, provide, and improve the Website, the Services and our (and our successors’ and assigns’) businesses; (2) to send you marketing and promotional materials with your consent; (3) to contact your beneficiaries or executor on your behalf, and (4) for audit purposes.
If you are working with (a) an advisor or (b) an employer, benefits administrator, insurance company or any third-party institution (this subsection (b) collectively, a “Partner Provider”) to provide you access to the Services, you additionally authorize us to share Your Information with your advisor or Partner Provider (as applicable) for the same purposes.
We take the privacy and security of Your Information very seriously and have built in privacy and security measures into our technology and our business practices.
“Public Information” refers to any content you add, create, upload, submit, distribute or post to public portions of the Services, such as blog comments. By publicly posting Public Information to the Services, you hereby authorize us to use, edit, and reproduce the content (including derivative works) in connection with the Services and our (and our successors’ and assigns’) businesses, including after termination of your Account or the Services. Please do not publicly post or submit any content that you do not want publicly accessible or viewable.
“Aggregate Information” refers to statistical information about how you use the Services as well as your demographic information. By submitting or generating Aggregate Information through your use of the Services, you hereby authorize us to use the Aggregate Information in connection with the Website, the Services and our (and our successors’ and assigns’) businesses, and including after termination of your Account or the Services. To be clear, Aggregate Information is not personally identifiable and cannot be tied back to you, your Account or your web browser.
The authorizations granted to us above do not affect your other ownership or other rights in Your Information, unless otherwise agreed in writing. You will always own Your Information.
b) Security. The security, privacy, and confidentiality of Your Information are of utmost and critical importance to us. The types of information we collect, as well as details on why we collect such information, how we protect such information and our data retention and deletion policies, are available in our Privacy Policy. When we collect, maintain, access, use, or disclose Your Information, we will do so using systems and processes consistent with information privacy and security requirements under applicable federal and provincial laws. Accordingly, we use industry standard administrative, physical, and technical protections to safeguard the security, privacy, confidentiality, and integrity of Your Information. More details can be found in our Privacy Policy.
We shall not be responsible or liable for any losses arising from unauthorized access, hacking, or other security intrusions or failure to store or the theft, deletion, corruption, destruction, damage, or loss of any data or information.
c) Advisors. If you are an Advisor accessing the Services on behalf of your customer or another entity, you represent that you have the authority to (i) add, create, upload, submit, distribute or post any and all Content to the Services on such customer or entity’s behalf and (ii) bind such customer or entity to the authorizations set forth in this Section 3.
5. Our Proprietary Rights
Any information, data, text, photographs, videos, audio clips, written posts and comments, software, scripts, graphics and interactive features generated, provided or otherwise made accessible on or through the Services (collectively, “Our Content”) are our property or that of our suppliers or licensors, and are protected by copyrights, trademarks, service marks, patents, trade secrets or other proprietary rights and laws. You shall abide by and maintain all copyright notices, information and restrictions contained in any of Our Content that you access through the Services. Subject to these Terms, we grant you a worldwide, non-exclusive, non-sublicensable and non-transferable license to use (i.e., to download and display locally) Our Content solely for purposes of using the Services. Use, reproduction, modification, distribution or storage of any of Our Content for purposes other than using the Services is expressly prohibited without our prior written permission. You shall not sell, license, rent, or otherwise use or exploit any of Our Content for commercial use or in any way that violates any third party right. We reserve the right to (a) remove, edit or modify any of Our Content in our sole discretion at any time, without notice to you and for any reason (including without limitation if we think you may have violated these Terms or upon receipt of claims or allegations from third parties or authorities relating to such content) or (b) to remove or block any of Our Content from the Services.
6. Acceptable Use
As a condition of your use of the Services, you agree to use the Services only for lawful purposes and to comply with these Terms and all Laws. You also agree to respect the privacy and Secure Information of other users of the Services.
You agree not to, and shall not allow anyone else to (a) take any action or (b) upload, download, post, submit or otherwise distribute or facilitate the distribution of any of Our Content, including without limitation Your Information, on or through the Service, that:
a) includes anyone else’s identification documents or sensitive financial information;
b) infringes any patent, trademark, trade secret, copyright, right of publicity, right of privacy or other right of any other person or entity or violates any law or contractual duty.
c) you know is false, misleading, untruthful or inaccurate;
d) impersonates, intimidates or harasses any person or entity, including any of our employees or representatives;
e) constitutes unauthorized or unsolicited advertising, junk or bulk e-mail (“spamming”); or
f) is unlawful, threatening, abusive, harassing, defamatory, libellous, deceptive, fraudulent, invasive of another's privacy, tortious, obscene, vulgar, pornographic, offensive, profane, contains or depicts nudity, contains or depicts sexual activity, or is otherwise inappropriate as determined by us in our sole discretion.
You are further prohibited from violating or attempting to violate the security of the Services or our other systems or network security, including without limitation the following:
a) accessing data not intended for users of the Services;
b) gaining unauthorized access to an account, server or any other computer system;
c) attempting to or engaging in, directly or indirectly, probing, scanning or testing the vulnerability of a system or network or to breach security or authentication measures;
d) attempting to interfere with the function of the Services or the Services’ host or network, including without limitation by submitting, directly or indirectly, any of Our Content or Your Information that contains software viruses or any other computer codes, files, or programs that are designed or intended to disrupt, damage, limit or interfere with the proper function of any software, hardware, or telecommunications equipment or to damage or obtain unauthorized access to any system, data, password or other information of ours or of any third party;
e) sending altered, deceptive or false source-identifying information, including without limitation “spoofing” or “phishing”; or
f) forging any TCP/IP packet header.
7. Links To Third Party Websites
You may be able to link to third party websites, services or resources (collectively, “Third Party Websites”) on the internet, and some Third Party Websites may link to the Services. We do not control Third Party Websites in any way, and you acknowledge and agree that we are not responsible or liable for the content, availability, functions, accuracy, legality, appropriateness, advertising, products, information, use of user information, security or privacy policies and practices, or any other aspect or materials of any Third Party Websites. In no event shall we be liable, directly or indirectly, to anyone for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, goods or services available on or through any Third Party Website. We encourage you to review the terms of service and privacy policy of any such Third Party Website. When you access Third Party Websites, you do so at your own risk.
8. Payment Processing and Billing
a) Payment Processor. We accept payment by credit card for your insurance premiums through our third-party payment processor, Stripe https://stripe.com/ca/terms. The processing of payments will be subject to the terms, conditions and privacy policies of Stripe in addition to these Terms. We are not responsible for Stripe’s errorsThe terms of your payment may be determined by agreements between you and your credit card company. If we, through Stripe, do not receive payment from you, you agree to pay any amounts due upon demand.
b) Billing. We will process your Purchased Product rates either monthly or annually and will bill such rates (plus any taxes that may be applicable) to the credit card you provide. You acknowledge that the fees associated with your Purchased Product will be automatically billed again on each renewal date thereafter unless and until you cancel your Purchased Product. You agree that consistent recurring fees may be charged automatically by us without further authorization from you, until you provide prior notice (receipt of which is confirmed by us) that you have terminated this authorization or wish to change your credit card information. Such notice will not affect charges submitted before we could reasonably act. To terminate or change your payment method, log into your account, go to "billing" and change your credit card information.
c) Current Payment Information Required. You are responsible for keeping your credit card information current, complete and updated. If your credit card reaches its expiration date, we may attempt to contact you to update your payment information using your primary email address associated with your account. You agree to promptly notify us and your credit card company if your credit card is canceled (e.g., for loss or theft) or if you become aware of potential breach of security. You agree that we (via Stripe) may continue charging your credit card for the Services unless you have terminated your Purchased Product, or you tell us to use a different credit card before the end of the applicable billing period. We understand that mistakes happen, and we provide a 30-day grace period for missed payments. To promptly pay a missed payment, go to “billing” and follow the instructions to complete your payment.
d) Purchased Product Rates. Once you have a Purchased Product, your rates are locked in for the term (or duration) of the policy you have subscribed for; however, we cannot guarantee similar rates upon renewal.
9. Cancellation and Suspension
a) Cancellation. You will continue to be billed until you cancel your Purchased Product. You must cancel your Purchased Product 10 days before the start of a new renewal period to avoid having the next period’s rates billed to your credit card. We will not issue a refund for the most recently (or any previously) charged fees associated with the Services prior to any such cancellation. You may cancel your Account and/or your use of and access to the Services at any time by contacting us subject to the terms of the Privacy Policy and such cancellation will be effective pursuant to the terms of your Purchased Product. All provisions of these Terms which by their nature should survive termination shall survive, including without limitation, any licenses to Basic Information, Public Information, or Aggregate Information, ownership provisions, warranty disclaimers, indemnity and limitation of liability.
b) Suspension. We reserve the right to suspend your Account and/or your access to the Services immediately , with or without notice to you, and without liability to you, if we, in our sole discretion, believe that:
(i) you have violated or otherwise breached these Terms of Service or the terms of your Purchased Product;
(ii) any information provided by you is untrue, inaccurate, not current or incomplete; or
(iii) you, or any other parties, are obtaining unauthorized access to our Website, or any other of our systems or information.
These suspensions will be for such periods of time as we may reasonably determine is necessary to permit the thorough investigation of such suspended activity. Any suspension will not impact the terms of Purchased Products.
10. Warranty Disclaimer
While we make every attempt at ensuring our Services are up-to-date and accurate, the Services (including without limitation all content, information, function, and materials) are provided “as is”, “as available” and without warranty of any kind, express or implied, including without limitation any warranties implied by any course of performance or usage of trade, any implied warranties of title, non-infringement, merchantability and fitness for a particular purpose, or any warranties concerning the availability, accuracy, completeness, timeliness, usefulness, reliability of any opinion, advice or other content, all of which are expressly disclaimed. We, and our directors, employees, agents, suppliers, partners and content providers do not warrant that: (a) the Services will be timely, secure, free from hacking or other security intrusion, uninterrupted, error free, or available at any particular time or location; (b) any defects or errors will be corrected; (c) any content or software available at or through the Services is free of viruses or other harmful components; or (d) the results of using the Services will meet your requirements or expectations. Your use of the Services is solely at your own risk. If you are dissatisfied with the Services, your sole remedy is to discontinue using the Services.
Other than as required under applicable consumer protection law, in no event and under no circumstances will we be liable for any loss or damage caused by your reliance on information or materials obtained through the Website or Third Party Websites, or by your reliance on any product or service obtained through a Third Party Website. You are solely responsible for evaluating the completeness, accuracy or usefulness of any opinion, advice, results, information or materials available through the Website or obtained through a Third Party Website. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific opinion, advice, product, service, materials or other information. No advice, opinion, results, information or materials, whether oral or written, obtained by you through the Services shall create any warranty not expressly made herein.
11. We Are Not A Licensed Healthcare, Medical, Legal or Financial Professional
We are a licensed insurance distributor; however, we are not a licensed healthcare provider, medical professional, law firm, nor general financial advisory firm and therefore we do not provide medical, legal, non-insurance related financial advice. Additionally, other than providing insurance advice, our employees are not acting as your healthcare providers, medical professionals, lawyers, or financial advisors and do not provide personalized legal, accounting, financial, tax, or health advice. You understand that any commentary or information contained on the Website or through the Services should not be considered to be such professional advice. The Services are not, and should never be, a substitute for the advice of such licensed advisors. We are prohibited from providing any kind of advice, explanation, opinion or recommendation to you about (a) possible diagnoses, medical conditions, medical treatment, life expectancy, or prognoses; (b) legal rights, remedies, defenses, options, selection of forms or strategies; or (c) any kind of advice, explanation, opinion or recommendation about possible financial investments or strategies other than insurance products.
Other than your contract for your Purchased Product, the information or materials that you obtain or receive from us, and our employees, contractors, partners, sponsors, advertisers, licensors or otherwise on or through the Services is for informational purposes only. All medically-related information comes from independent healthcare professionals and organizations. You hereby agree that any information provided to or accessed by you from time to time on or through the Services is not developed or provided by us as investment advice and will not be used or treated by you as investment advice.
12. Indemnification
You shall defend, indemnify and hold harmless us, our affiliates and each of our and their respective employees, contractors, directors, suppliers and representatives from all liabilities, claims and expenses, including reasonable attorneys’ fees, that arise from or relate to your use or misuse of, or access to, the Services, Our Content, or otherwise from Your Information, violation of these Terms, or infringement by you, or any third party using your Account or identity in the Services, of any intellectual property or other right of any person or entity. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with us in asserting any available defenses.
13. Limitation and Liability
We have no special relationship or fiduciary duty to you. You release us from all liability for any release of Your Information, including without limitation your Secure Information.
To the greatest extent permitted under applicable law, in no event shall we, our affiliates, nor any of our or their respective directors, employees, agents, partners, suppliers or content providers, be liable to you or to your delegates, heirs, successors or your estate for (a) any indirect, special, incidental, consequential, compensatory, exemplary or punitive damages arising from or directly or indirectly related to (i) the use of, or the inability to use, the Services, Our Content, materials and functions related thereto, (ii) unauthorized access to or loss, corruption or alteration of your information, data, transmissions, content or other information, (iii) any bugs, viruses, trojan horses, or the like (regardless of the source of origination) (iv) statements or conduct of any third party on or using the Services, (v) our actions or omissions in reliance upon your Account or credit card information and any changes thereto or notices received therefrom, (vi) your failure to protect the confidentiality of your information or any passwords or access rights to your Account, (vii) the acts or omissions of any third party using or integrating the Services or (viii) any other matter relating to the Services, including without limitation, loss of revenue, anticipated profits, goodwill, lost business, use, data, sales, cost of substitute services, or other intangible losses (however arising), even if we or our representative has been advised of the possibility of such damages; or (b) any direct damages in excess of (in the aggregate) the fees paid to us for the particular services during the immediately previous three (3) month period.
14. Dispute Resolution
These Terms of Service and any action related thereto shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflicts of law principles. The parties hereby irrevocably attorn to the exclusive personal jurisdiction and venue of the courts sitting in the City of Toronto, Ontario.
15. Miscellaneous
a) Entire Agreement. These Terms and all other agreements and policies expressly incorporated by reference, each as may be amended or modified by us in accordance with its terms from time to time, together constitute the entire agreement between you and us and govern your use of the Services and supersede all prior or contemporaneous communications and agreements of any kind between you and us with respect to the Services. If any incorporated agreements or policies conflict with these Terms, these Terms shall control and if any terms of your Purchased Product conflict with these Terms, the terms of such Purchased Product shall prevail.
b) Section Headings. Any heading, caption or section title contained in these Terms of Use is inserted only as a matter of convenience and in no way defines or explains any section or provision hereof.
c) Force Majeure. We shall not be liable for any failure to perform our obligations under these Terms where such failure results from any cause beyond our reasonable control, including without limitation mechanical, electronic or communications failure or degradation.
d) Waiver and Severability. Our failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of our right to later enforce that or any other part of these Terms. Waiver of compliance in any particular instance does not mean that we will waive compliance in the future. In order for any waiver of compliance with these Terms to be binding, we must provide you with written notice of such waiver through one of our authorized representatives. If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect and enforceable.
e) Assignment. These Terms of Services are not assignable, transferable or sub-licensable by you except with our prior written consent. We may assign, transfer or convey these Terms of Service to a third party without notice to you.
f) No Relationship. No agency, partnership, joint venture or employment relationship is created as a result of these Terms and neither party has any authority of any kind to bind the other in any respect.
g) Notices. Unless otherwise specified in these Terms, all notices under these Terms will be in writing and will be deemed to have been duly given when (i) receipt is electronically confirmed, if transmitted by email; (ii) received, if personally delivered or sent by certified or registered mail, return receipt requested; or (iii) the day after it is sent, if sent for next day delivery or recognized overnight delivery service. If you need to contact us regarding the Website, the Services or these Terms of Use, please refer to the contact us section of the website.
(i) It is the express wish of the parties that these terms and all related documents be drawn up in English. C'est la volonté expresse des parties que la présente convention ainsi que les documents qui s'y rattachent soient rédigés en anglais.