Terms and Conditions
Acceptance of Terms
By accessing and using the NorthCoverage website and services ("Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this Service.
Description of Service
NorthCoverage is a marketing platform that connects Canadian residents with licensed insurance advisors for the purpose of obtaining final expense insurance quotes. We are not an insurance company, broker, or agent, and we do not sell insurance directly.
What We Provide
- A platform to request final expense insurance quotes
- Connection with licensed insurance professionals in your province
- Educational information about final expense insurance
- Customer support for quote requests
What We Do Not Provide
- Insurance policies or coverage
- Insurance advice or recommendations
- Guarantees of coverage or specific pricing
- Government services or benefits
Eligibility and Use
Age Requirements
You must be at least 18 years of age to use our Service. By using our Service, you represent and warrant that you are at least 18 years old.
Canadian Residents
Our Service is intended for Canadian residents only. You must be a resident of Canada to request quotes through our platform.
Accurate Information
You agree to provide accurate, current, and complete information when requesting quotes. Providing false or misleading information may result in denial of coverage or cancellation of any resulting policy.
Quote Process and Limitations
No Guarantee of Coverage
Quotes provided through our Service are estimates only and do not constitute an offer of insurance. All insurance coverage is subject to:
- Insurance company underwriting guidelines
- Medical underwriting and health assessments
- Provincial licensing and regulatory requirements
- Policy terms and conditions
- Premium payment requirements
Quote Accuracy
While we strive to provide accurate quote information, actual premiums and coverage terms may differ from initial quotes based on detailed underwriting, medical examinations, and insurance company policies.
Privacy and Communications
Consent to Contact
By submitting a quote request, you consent to be contacted by NorthCoverage and our licensed insurance partners via:
- Phone calls (including automated dialing systems)
- Text messages (SMS)
- Email communications
- Mail correspondence
CRTC Compliance
Our communications comply with Canadian Radio-television and Telecommunications Commission (CRTC) regulations. You may opt out of communications at any time by replying "STOP" to text messages or using unsubscribe links in emails.
Data Sharing
Your personal information may be shared with licensed insurance advisors and brokers for the purpose of preparing quotes and providing insurance services. See our Privacy Policy for complete details.
Intellectual Property
The Service and its original content, features, and functionality are and will remain the exclusive property of NorthCoverage and its licensors. The Service is protected by copyright, trademark, and other laws.
Prohibited Uses
You may not use our Service:
- For any unlawful purpose or to solicit others to perform unlawful acts
- To violate any international, federal, provincial, or local regulations or laws
- To transmit, or procure the sending of, any advertising or promotional material without our prior written consent
- To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity
- In any way that infringes upon the rights of others, or in any way is illegal, threatening, fraudulent, or harmful
- To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Service
Disclaimers and Limitations
Service Availability
We do not guarantee that our Service will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Service, resulting in interruptions, delays, or errors.
Third-Party Services
Our Service may contain links to third-party websites or services that are not owned or controlled by NorthCoverage. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.
Limitation of Liability
In no event shall NorthCoverage, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.
Indemnification
You agree to defend, indemnify, and hold harmless NorthCoverage and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees).
Termination
We may terminate or suspend your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.
Governing Law
These Terms shall be interpreted and governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of British Columbia.
Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.
Severability
If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.
Contact Information
If you have any questions about these Terms and Conditions, please contact us:
- Email: legal@northcoverage.com
- Phone: +1 (604) 555-0199
- Mail: NorthCoverage Legal Department
1234 Granville Street, Suite 502
Vancouver, BC V6Z 1L3
These Terms and Conditions constitute the entire agreement between you and NorthCoverage regarding the use of our Service and supersede all prior agreements and understandings.