Terms and Conditions

The terms and conditions set out below detail how Instant-Life-Insurance.net can be used. If the Instant Life Insurance website hereinafter referred to as ‘the website’ is used, you are agreeing to be bound by these terms and conditions. If you do not accept any of the terms and conditions stated below, you should not use the website. By using the website, you undertake that you are aged 18 years or older or as applicable in your province.

Instant-Life-Insurance.net collects data from users and passes this information, unaltered, where applicable and after user approval to our chosen third parties.

By providing personal information on the "Website" you consent and acknowledge that you will be contacted by Insurance Supermarket Inc. customer service representatives to facilitate an appointment with a licensed advisor in your area.

Your personal information may be disclosed to service providers outside Canada.

Alterations to these terms and conditions can be made on occasion and once published; these alterations will become immediately effective.

Instant Life Insurance makes no guarantees and is not responsible for:

1. The accuracy or currency of the content of any third party material that appears on the website (this partials/s content that may or may not be identified by Instant-Life-Insurance.net as third party material).

2. The quality of any third party services that may be featured on the website.

3. The content of any third party website that links from the website.

Any financial information featured on the website or accessed via a link from the website is not considered to be financial advice from Instant Life Insurance.

Any issues that may arise from contact or communication with third parties accessed from the website are not the responsibility of Instant Life Insurance.

Any entry into a third party’s terms and conditions are wholly separate to the terms and conditions undertaken when using the website. We recommend when entering into a third party’s terms and conditions, independent advice is sought.

Intellectual Property

Permission must be secured prior to the reproduction or redistribution of material from the website.

Instant Life Insurance owns the rights to the website. All other company names and products belong to their respective owners.

Information from the website must not be used for illegal or immoral use.

Liability Obligations

Instant Life Insurance does all it can to ensure data on the website is accurate and endeavours to immediately correct any inaccuracies as soon as the company is made aware of them. To the extent allowed by law, Instant Life Insurance is not responsible for inaccuracies published on the website.

Instant Life Insurance does not validate, monitor or endorse any third party information submitted to the website and as such, this information could be inaccurate. Instant Life Insurance does not validate, monitor or endorse the data or quotations collected from third parties as presented to you on the search results page.

Instant Life Insurance is not responsible for any harmful effect on technology that may result from using the website nor does Instant Life Insurance give any warranty that the website is free from viruses. In addition, Instant Life Insurance is excluded from liability should any losses or claims occur as a result of your inability to access the website, or from any use of the website or reliance on data published on the website to the extent permitted by law.

Termination of Agreement

Should any of the terms and conditions stated be breached, Instant Life Insurance has the right to terminate the agreement and immediately remove, cancel or suspend access to and use of the website.

All disclaimers, indemnities and exclusions stated within these terms and conditions shall survive termination of the agreement between us for any reason.

Instant Life Insurance is not liable for failure to undertake any obligation under this agreement if failure results from events out of its control, including without limitation Internet/telecoms outages, fire, flood, war and acts of God.

General Information

The website is solely directed at those who access the website from Canada.

Should any provision of the agreement be held unlawful or invalid, that provision shall be deemed severed. Where relevant, the validity of the remaining provision of the agreement will not be affected.

Should Instant Life Insurance not enforce any provision of this agreement, such will not be considered a waiver of any provision or right.

Use of the website and these terms are subject to the laws of Canada which shall exclusively govern the interpretation, application and effect of all the above permissions, exclusions, licenses and conditions of use and shall be construed in accordance with the laws of Canada and the parties submit to the exclusive jurisdiction of the Canadian courts.