Terms of Service

By accessing or using the CalculateAndQuote website at calculateandquote.ca (“the Website”), you acknowledge that you have read, understood, and agree to be bound by these Terms and my Privacy Policy. These Terms apply to all visitors, users, and others who access or use the Website.

CalculateAndQuote provides online insurance coverage calculators, educational content, and advisory services to help Canadians understand their insurance needs. My services include:

• Life insurance, critical illness, disability, and group benefits coverage calculators.
• Educational articles and resources about insurance products.
• Personalized consultations with a licensed insurance advisor.
• Quotes from multiple insurance carriers for comparison.

Calculator results are estimates based on the information you provide and general industry guidelines. Actual insurance premiums, coverage amounts, and eligibility depend on individual underwriting by the insurance carrier, including factors such as medical history, lifestyle, and occupation.

You should always consult directly with a licensed insurance professional before making any insurance decisions. While CalculateAndQuote advisors are licensed professionals, the information on this website alone should not be relied upon as the sole basis for any insurance or financial decision.

When using my Website, you agree to:

• Provide accurate and truthful information when using calculators and forms.
• Use the Website only for lawful purposes and in accordance with these Terms.
• Not attempt to interfere with, compromise, or disrupt the Website’s operation or security.
• Not use automated systems (bots, scrapers) to access the Website without my written consent.

All content on the Website — including text, graphics, logos, calculators, tools, and software — is the property of CalculateAndQuote or its licensors and is protected by Canadian copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works from my content without prior written permission.

To the fullest extent permitted by applicable law, CalculateAndQuote and its owners, employees, and affiliates shall not be liable for:

• Any indirect, incidental, consequential, or punitive damages arising from your use of the Website or services.
• Any inaccuracies in calculator results or coverage estimates.
• Decisions made based on information provided on the Website.
• Any loss or damage resulting from unauthorized access to your data.
• Service interruptions, errors, or omissions on the Website.

My total liability for any claim related to the Website or services shall not exceed the amount you paid to CalculateAndQuote (if any) in the 12 months preceding the claim.

My Website may contain links to third-party websites, including insurance carrier websites. I am not responsible for the content, privacy practices, or terms of service of any third-party sites. Visiting these links is at your own risk.

Your use of the Website is also governed by my Privacy Policy, which describes how I collect, use, and protect your personal information in accordance with PIPEDA and applicable Canadian privacy legislation.

I reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website after changes are posted constitutes your acceptance of the revised Terms. I recommend reviewing these Terms periodically.

These Terms 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 conflict of law principles. Any disputes arising from these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of the Province of Ontario, Canada.

I reserve the right to terminate or suspend your access to the Website at my sole discretion, without notice, for conduct that I believe violates these Terms or is harmful to other users, me, or third parties.