Term of Service

1. Introduction

Welcome to CCLI (Compare Canadian Life Insurance)“we”, “us”, “our”, “the Company”). These Terms of Service (“Terms”) govern your access to and use of our website located at [your-domain].ca (the “Site”) and any related services (collectively, the “Services”).
By using the Site or the Services, you agree to be bound by these Terms. If you do not agree with any part of the Terms, you must not access or use the Site or Services.

2. Eligibility

You confirm that you are at least the age of majority in your province or territory of residence and have the legal capacity to enter into a binding agreement. If you are using the Services on behalf of a business, you represent that you have the authority to bind that business to these Terms.

3. Use of the Site and Services

The Site and Services are provided for your personal, non-commercial use only.

You agree not to use the Services for any unlawful or unauthorized purpose, including but not limited to misrepresentation, fraud, or transmitting materials that infringe intellectual property or third-party rights.

You will provide accurate, current, and complete information when requested, and you will update that information as needed.

4. Description of Services

We are an independent Canadian insurance brokerage licensed to compare and provide quotes for life insurance, term insurance, whole life, children’s policies, critical illness insurance, disability insurance, travel insurance and related products. We do not guarantee coverage, approval, or particular premium amounts — all policies are subject to the underwriting requirements of the insurance companies.

Our Services include:

Providing information about insurance products;

Comparing life and health insurance options from multiple insurers;

Facilitating quote delivery and application process;
-Providing general guidance and education about insurance.
You acknowledge that the Site and Services do not constitute legal, tax or financial advice. You should consult a licensed advisor for your specific situation.

5. Intellectual Property

All content on the Site — including but not limited to text, graphics, logos, images, designs, software, data compilations — is owned or licensed by us and is protected by Canadian and international intellectual property laws. You may view, download or print pages from the Site for your personal, non-commercial use only, provided you do not modify the content and retain all copyright and other proprietary notices. Any other use is strictly prohibited without our prior written consent.

6. Termination or Suspension

We reserve the right, in our sole discretion, to suspend or terminate your access to the Site or Services (or any portion thereof) at any time, with or without notice, and for any reason (including breach of these Terms). On termination, your right to use the Services will immediately cease. Sections which by their nature should survive termination (including provisions regarding intellectual property, disclaimers, limitation of liability, governing law) will continue in full force and effect.

7. Disclaimers & Limitation of Liability

7.1 Disclaimers

The Services are provided “as-is” and “as available.” We make no warranties, express or implied, including without limitation warranties of merchantability, fitness for a particular purpose, non-infringement or that the results obtained from use of the Services will be accurate, reliable or meet your expectations.

7.2 Limitation of Liability

To the maximum extent permitted by law, in no event will we, our affiliates, directors, officers, agents or employees be liable for any indirect, incidental, special, consequential or punitive damages, including but not limited to loss of profits, data, business interruption or other losses arising out of or in connection with your use of (or inability to use) the Site or Services—even if we have been advised of the possibility of such damages.
Our total aggregate liability to you for any claim under these Terms shall not exceed the amount you paid us (if any) for the Services during the twelve (12) months preceding the event giving rise to such claim. If no amount was paid, our liability is limited to the minimal amount permitted by law.

8. External Links & Third-Party Sites

The Site may contain links to third-party websites or resources. We have no control over and assume no responsibility for the content, privacy practices or availability of such sites. Inclusion of any link does not imply endorsement.

9. Modifications to Terms

We may revise or update these Terms at any time in our sole discretion by posting a revised version on the Site. The “Last Updated” date will be revised accordingly. Your continued access or use of the Site or Services after such posting constitutes your acceptance of the revised Terms.

10. Governing Law & Jurisdiction

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 its conflict of law provisions. You agree that any disputes arising out of or related to these Terms or your use of the Site will be submitted to the exclusive jurisdiction of the courts located in [London, Ontario].

11. Severability & Waiver

If any provision of these Terms is held invalid or unenforceable by a court of competent jurisdiction, such holding will not affect the validity of the remaining provisions, which will remain in full force and effect. No waiver by us of any right under these Terms shall be deemed a further or continuing waiver of such right or any other right.

12. Entire Agreement

These Terms, together with our Privacy Policy and any other policies posted on the Site, constitute the entire agreement between you and us regarding the subject matter hereof and supersede all prior or contemporaneous communications and proposals (whether oral or written) between you and us.

13. Contact Information

If you have any questions about these Terms, please contact us at: [email protected]