Icompare.ca owns and operates the website located at www.Icompare.ca (“website”). These terms of use apply to all users of the website, including individuals who upload any materials to the website, users who use services provided through this website, and individuals who simply view the content on or available through this website (“users”/ “you”).

These terms of use also apply to any third party website or service, such as a partner blog or social media platform that hosts Icompare.ca content (such as the Icompare.ca YouTube channel).

By utilizing this website and/or service (defined below), you indicate your acceptance of these terms of use. If you do not accept these terms of use, then refrain from using the website or any of its content or services. These terms of use may be amended or updated by Icompare.ca periodically without notice, and the terms may have changed since your last visit to this website. It is your responsibility to review these terms of use for any modifications. Your use after any amendments or updates of these terms of use shall signify your assent to and acceptance of such revised terms. Any new features added to this website from time to time will be subject to these terms of use, unless stated otherwise. You should visit this page periodically to review these terms of use.

In order to use specific features of the website, you may be required to provide particular personal information. All personal information you provide to us will be handled in accordance with the terms of our privacy policy, which is hereby incorporated by reference into these terms of use.

The Service: Icompare.ca provides a comparison service for financial products including car insurance, mortgage rates, credit cards, bank accounts, and home, automobile, and life insurance, and obtains free credit reports from our partners (collectively, “financial products”), enabling users to compare rates and assess the advantages and disadvantages of financial products to select those best suited to their needs. In addition, there are certain financial products listed on the website for which we lack detailed information about features and benefits. For such products, you can submit your contact information, and we will forward your information and request directly to the third-party financial products provider or broker (“vendor”), who will contact you with more information about the requested financial product (the “services”).

Service Disclaimer: By using the services, you understand and acknowledge that Icompare.ca provides a platform for users to obtain information on and compare third-party financial products. Icompare.ca is not a provider or vendor of financial products, nor is it a financial advisor. The information provided on the website is for informational purposes only and is not financial advice or any other kind of advice. Icompare.ca makes no representations or warranties about the accuracy of any information contained on the website and shall not be responsible for inaccuracies, misrepresentations, errors, or omissions in the information provided. Some information may not always be up to date. Additionally, some of the information about certain financial products appearing on the website is provided directly by vendors, not by Icompare.ca (“vendor content”). As between Icompare.ca and vendors, vendors are exclusively responsible for vendor content, and Icompare.ca shall not be responsible for any vendor content or for inaccuracies in any vendor content or any losses, claims, expenses, damages, or liabilities arising as a result of any vendor content. Users are strongly encouraged to use common sense and discretion and to conduct their research before relying on any information provided by the website and to consult an independent competent professional before transacting with any vendor for any financial product. We are not responsible for any advice provided by any professional you consult, nor are we responsible for the acts or omissions of any vendor or user or for any actual, failed, proposed, or discussed transaction following your use of the services or any other decisions you make as a result of using the website and/or services. Users hereby understand and agree to use the information contained on this website at their own risk.

Registration: You do not need an account to view the website; however, certain features, such as a free credit report, will not be available to you without an account. Users have the option to register for an Icompare.ca account. To register for an account, you will be required to provide personal information such as your name, email, and address. You will also need to select a username and password. You are responsible for all activity on your account, so please select a strong password and do not share it with others. Icompare.ca is not liable for any activity occurring on your account, including unauthorized access. Please notify us immediately if you believe your account has been compromised.

Rate Request Forms: For certain financial products (excluding insurance quotes, see section 5 below), you can click on a link on our website that redirects you to the vendor website to apply for the financial product you are interested in. For other financial products, you may need to fill out a request form (“request form”) for more information. If you fill out a request form, you will need to provide additional personal information, including your name, phone number, location, preferred contact method, and specific details about the financial product you are interested in (e.g., if you are interested in mortgage rates, you may need to provide the approximate amount of mortgage you require). We will forward your request form to the applicable vendor, who will then contact you using your preferred contact method. You hereby consent to our collection and processing of the information you provide in your request form and its submission to the vendor offering the financial product you are interested in.

Insurance Quotes: If you are interested in an insurance quote, you will be asked to provide your postal code or province. Once you submit your postal code, you may be redirected to one of the Icompare.ca partners where you can input your information and receive an insurance quote. We may have different partners depending on the type of insurance you need. Additionally, the information you will be asked to provide will differ depending on your insurance needs. By submitting your postal code or province, you consent to being redirected to the website of one of our partners.

User Eligibility for Financial Products: Users understand and agree that any transaction for financial products is between the user and the vendor. Users may not be eligible for all the financial products listed on the website or for the rates displayed on the website. The vendor, not Icompare.ca, is responsible for approving or denying any application for financial products at its sole discretion.

Icompare.ca Fees: The website and service are free for users. However, users understand and agree that Icompare.ca may receive fees for submitting request forms or making referrals to certain vendors and/or our partner organizations.

User Content: All information, data, text, comments, software, music, sound, photographs, graphics, video, messages, or other materials, whether publicly posted or privately transmitted to the website by users in forums or otherwise (“user content”), is the sole responsibility of the users. This means that users, not Icompare.ca, are entirely responsible for all such material uploaded, posted, emailed, transmitted, or otherwise made available by using the service. Icompare.ca does not control or actively monitor user content and, as such, does not guarantee the accuracy, integrity, or quality of such content. Users acknowledge that by using the service, they may be exposed to materials that are offensive, indecent, or objectionable. Under no circumstances will Icompare.ca be liable for any materials, including, but not limited to, any errors or omissions in any materials or any defects or errors in any printing or manufacturing, or for any loss or damage of any kind incurred as a result of viewing or using any user content posted, emailed, transmitted, or otherwise made available via the service.

Restrictions on User Content and Use of the Service : Icompare.ca reserves the right at all times (but will have no obligation) to remove or refuse to distribute any user content and to terminate users or reclaim usernames. We also reserve the right to access, read, preserve, and disclose any information as we reasonably believe is necessary to (i) satisfy any applicable law, regulation, legal process or governmental request, (ii) enforce these terms of use, including investigation of potential violations hereof, (iii) detect, prevent, or otherwise address fraud, security, or technical issues, (iv) respond to user support requests, or (v) protect the rights, property, or safety of our users and the public.

In using the website and/or service, you shall not:

Copy any content unless expressly permitted to do so herein;
Upload, post, email, transmit, or otherwise make available any material that:
Is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, pornographic, libelous, invasive of another’s privacy, hateful, or racially or ethnically objectionable, encourages criminal behavior, gives rise to civil liability, violates any law, or is otherwise objectionable;
You do not have a right to make available under any law or under a contractual relationship;
Infringes any patent, trademark, trade secret, copyright, or other proprietary rights of any party (including privacy rights);
Contains unsolicited or unauthorized advertising, solicitations for business, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation;
Contains software viruses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment or data or the website or that of any users or viewers of the website or that compromises a user’s privacy; or
Contains any falsehoods or misrepresentations or creates an impression that you know is incorrect, misleading, or deceptive, or any material that could damage or harm minors in any way;
Impersonate any person or entity or misrepresent their affiliation with a person or entity;
Interfere with or disrupt the website or servers or networks connected to the website, or disobey any requirements, procedures, policies, or regulations of networks connected to the website or probe, scan, or test the vulnerability of any system or network or breach or circumvent any security or authentication measures;
Intentionally or unintentionally violate any applicable local, state, national, or international law or regulation;
Collect or store personal data about other users or viewers;
License, sell, rent, lease, transfer, assign, distribute, host, or otherwise commercially exploit the website;
Modify, translate, make derivative works of, disassemble, decompile, reverse compile or reverse engineer any software provided as part of the website, except to the extent the foregoing restrictions are expressly prohibited by applicable law; or
Register for the service on behalf of a group or corporate entity.
License of Content: By submitting, posting, or displaying user content on or through the service, you grant us (and our agents) a non-exclusive, royalty-free license (with the right to sublicense) to use, copy, modify, transmit, display, and distribute such user content. You represent and warrant that you have all the rights, power, and authority necessary to grant the rights granted herein to any user content that you submit.

End User License: Except for user content and vendor content, this website and the information and materials it contains, including the comparisons and analyses of the financial products we provide, are the intellectual property and/or proprietary information of Icompare.ca and its partners and licensors and are protected from unauthorized copying and dissemination by copyright law, trademark law, and other intellectual property laws. Subject to the terms of this agreement, Icompare.ca grants you a non-transferable, non-exclusive license to (a) use the website for your use. Nothing in the terms gives you the right to use the Icompare.ca or Icompare.ca names, trademarks, logos, domain names, and other distinctive brand features without our prior written consent. Any future release, update, or other addition to functionality of the website or Icompare.ca app shall be subject to the terms of these terms.

Feedback: If you provide Icompare.ca with any suggestions, comments, or other feedback relating to any aspect of the website and/or service (“feedback”), Icompare.ca may use such feedback on the website or in any other Icompare.ca products or services (collectively, “Icompare.ca offerings”). Accordingly, you agree that: (a) Icompare.ca is not subject to any confidentiality obligations regarding the feedback, (b) the feedback is not confidential or proprietary information of you or any third party, and you have all the necessary rights to disclose the feedback to Icompare.ca, (c) Icompare.ca (including its successors and assigns and any successors and assigns of any Icompare.ca offerings) may freely use, reproduce, publicize, license, distribute, and otherwise commercialize feedback in any Icompare.ca offerings, and (d) you are not entitled to receive any compensation or reimbursement from Icompare.ca or any other users of the website for the feedback.

Advertising: You acknowledge and agree that the website may contain advertisements for vendor financial products and other third-party products and services. If you choose to have any business dealings with a vendor or other third party whose products or services may be advertised on the website, you acknowledge and agree that such dealings are solely between you and such advertiser. You further acknowledge and agree that Icompare.ca shall not have any responsibility or liability for any losses or damages that you may incur as a result of any such dealings. You are responsible for obtaining access to the website, and you acknowledge that such access may involve third-party fees (such as internet service provider access or data fees). You shall be solely responsible for any such fees and also for obtaining any equipment required to access the website. It is your responsibility to ascertain whether any information or materials downloaded from the website are free of viruses, worms, Trojan horses, or other items of potentially destructive nature.

Links & Third-Party Websites: This website (including user content) contains links to other websites not owned or controlled by Icompare.ca, such as our insurance quote partners. In no event shall any reference to any third party, third party product or service, including vendor financial products, be interpreted as an approval or endorsement by Icompare.ca of that third party, third party product, or service. Icompare.ca is also not responsible for the content of any linked websites. Any third-party websites or services accessed from the website are subject to the terms and conditions of those websites, and you are responsible for determining those terms and conditions and complying with them. The presence of a link to any other website(s) on the website does not imply that Icompare.ca endorses or accepts any responsibility for the content or use of such websites, and you hereby release Icompare.ca from all liability and/damages that may arise from your use of such websites or receipt of services from any such websites.

While Icompare.ca does not prohibit linking to third party websites and content, it does not wish to be linked to or from any third-party website that contains, posts, or transmits any of the prohibited content in section 3 of these terms of use. Icompare.ca reserves the right to prohibit or remove (or require you to remove) any link to the website, including, without limitation, any link which contains or makes available any content or information of the foregoing nature, at any time.

Release: Because we do not supervise or control interactions between users and vendors, and because we have very limited control, if any, over the legality, truthfulness, or accuracy of various aspects of the website or services, you agree that you bear all risk and you agree to release Icompare.ca (and its officers, directors, shareholders, agents, employees, affiliates, subsidiaries, and third-party partners) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, now and in the future, arising out of or in any way connected with your use of the services, your interactions and transactions with vendors, your third-party transactions, and our resolution of any disputes between users. You further waive any and all rights and benefits otherwise conferred by any statutory or non-statutory law of any jurisdiction that would purport to limit the scope of a release or waiver.

Disclaimer of Representations, Warranties, and Conditions: The website, service, Icompare.ca app, and all materials provided therein are provided “as is.” Icompare.ca specifically disclaims all representations, warranties, and conditions, either express, implied, statutory, by usage of trade, course of dealing, or otherwise including but not limited to any implied warranties of merchantability, non-infringement, title, satisfactory quality, or fitness for a particular purpose. Any information or material downloaded or otherwise obtained through the use of the service is at your discretion and risk, and you will be solely responsible for any damage to your computer system, loss of data, or any other loss resulting from downloading or using any such material. Icompare.ca does not warrant, endorse, guarantee, provide any conditions or representations, or assume any responsibility for any product or service advertised or offered by any third party through the website or in respect to any website that can be reached from a link on the website or featured in any banner or other advertising on the website, and Icompare.ca shall not be a party to any transaction that you may enter into with any such third party. Icompare.ca will not be liable for any type of content exchanged by means of the service.

Limitation of Liability: Under no circumstances shall Icompare.ca be liable for any indirect, incidental, special, consequential, exemplary, or other damages whatsoever, including, without limitation, any damages that result from (i) your use of or your inability to use this website, Icompare.ca app, or service; (ii) any unauthorized access to or use of our servers and/or any personal information stored therein; (iii) any interruption or cessation of transmission to or from our services; (iv) any bugs, viruses, trojan horses, or the like, which may be transmitted to or through our services by any third party; (v) any errors or omissions in any content or for any loss or damage of any kind incurred as a result of your use of any content posted, emailed, transmitted, or otherwise made available via the service, whether based on warranty, contract, tort, or any other legal theory, and whether or not the company is advised of the possibility of such damages. The foregoing limitation of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction.

By continuing to use this website, you acknowledge that you have read, understood, and agree to abide by these terms of use.