Terms of Service

Last updated: March 6, 2024

Introduction

These terms of service (“Terms”) govern your access to and use of the website located at www.iquickhome.com (“Website”) and the service provided by iquickhome (“Service”). iquickhome is an online platform that connects you with the best insurance companies based on your budget and needs. iquickhome does not provide any insurance policies, loans, or other services directly, nor does it endorse or guarantee any of the insurance companies or their products or services.

By using the Website or the Service, you agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree to these Terms or our Privacy Policy, you must not use the Website or the Service.

Acceptance of Terms

You represent and warrant that you are at least 18 years old and have the legal capacity and authority to enter into these Terms. If you are using the Website or the Service on behalf of an entity, you represent and warrant that you are authorized to bind that entity to these Terms and that you agree to these Terms on behalf of that entity.

You also agree to comply with all applicable laws, rules, and regulations when using the Website or the Service. You may not use the Website or the Service for any unlawful, fraudulent, or harmful purpose, or in any way that violates the rights of others.

Description of Service

iquickhome is an online platform that connects you with the best insurance companies based on your budget and needs. You can use the Service to fill out an online form with your personal information, preferences, and requirements, and receive personalized quotes from various insurance companies. You can then compare the quotes and choose the insurance company that best suits your needs. You can also contact the insurance company directly through the Service or by other means.

iquickhome does not provide any insurance policies, loans, or other services directly, nor does it endorse or guarantee any of the insurance companies or their products or services. The Service is only a platform that facilitates your communication with the insurance companies and does not act as an agent, broker, or intermediary for any party. The Service does not have any control over the accuracy, completeness, or quality of the information, quotes, or services provided by the insurance companies or their agents. The Service is not responsible for any decisions or actions you take based on the information, quotes, or services provided by the insurance companies or their agents. You are solely responsible for verifying and evaluating the information, quotes, and services offered by the insurance companies and their agents. You should also consult a professional advisor before making any decisions or taking any actions based on the information, quotes, or services provided by the insurance companies or their agents.

User Responsibilities

You are responsible for your use of the Website and the Service and for any information, content, or materials that you submit, post, upload, or transmit through the Website or the Service (“User Content”). You agree that you will not submit, post, upload, or transmit any User Content that:

• is unlawful, fraudulent, defamatory, libelous, obscene, pornographic, abusive, harassing, threatening, hateful, racist, sexist, or otherwise objectionable or inappropriate;
• infringes or violates the intellectual property rights, privacy rights, publicity rights, or other rights of any third party;
• contains any viruses, malware, or other harmful or malicious code or content that may damage, interfere with, or disrupt the Website, the Service, or any other software, hardware, or system;
• impersonates or misrepresents your identity or affiliation with any person or entity;
• solicits or promotes any illegal or unauthorized activity, or any commercial or political activity or message;
• violates these Terms, our Privacy Policy, or any other applicable policies or guidelines.

You also agree that you will not:

• use the Website or the Service for any purpose other than as intended and authorized by us;
• access or use the Website or the Service in any manner that could damage, disable, overburden, or impair the Website, the Service, or any other software, hardware, or system;
• attempt to gain unauthorized access to the Website, the Service, or any other software, hardware, or system, or any data, information, or content stored or transmitted through them, by hacking, phishing, or any other means;
• interfere with or disrupt the operation or security of the Website, the Service, or any other software, hardware, or system, or any data, information, or content stored or transmitted through them, by spamming, flooding, or any other means;
• modify, copy, reproduce, distribute, transmit, display, perform, publish, license, create derivative works from, reverse engineer, decompile, disassemble, or otherwise exploit the Website, the Service, or any data, information, or content stored or transmitted through them, without our prior written consent;
• use any robot, spider, scraper, or other automated means to access or use the Website, the Service, or any data, information, or content stored or transmitted through them, for any purpose, without our prior written consent;
• use any device, software, or technique to interfere with or attempt to interfere with the proper functioning of the Website, the Service, or any data, information, or content stored or transmitted through them;
• use the Website, the Service, or any data, information, or content stored or transmitted through them, for any purpose that is unlawful, fraudulent, or harmful to us, the insurance companies, or any other party.

You acknowledge and agree that we have the right, but not the obligation, to monitor, review, edit, delete, or take any other action with respect to any User Content or any other activity or content on the Website or the Service, at our sole discretion and without notice or liability to you or any third party. We reserve the right to disclose any User Content or any other activity or content on the Website or the Service, as well as your identity and information, to any third party, if we believe that such disclosure is necessary or appropriate to:

• comply with any law, regulation, subpoena, court order, or request from authorities;
• enforce these Terms, our Privacy Policy, or any other applicable policies or guidelines;
• protect our rights, property, or safety, or the rights, property, or safety of the insurance companies, or any other party;
• prevent or investigate any fraud, abuse, violation, or infringement of these Terms, our Privacy Policy, or any other applicable policies or guidelines;
• cooperate with any investigation or prosecution of any criminal or civil matter.

Intellectual Property

We and our licensors own and retain all rights, title, and interest in and to the Website, the Service, and any data, information, or content stored or transmitted through them, including, but not limited to, all trademarks, logos, trade names, domain names, service marks, software, code, algorithms, databases, and any other intellectual property or proprietary rights (collectively, “Our Content”). Nothing in these Terms grants you any right, title, or interest in or to Our Content, except for the limited license to access and use the Website and the Service as expressly provided in these Terms.

You own and retain all rights, title, and interest in and to your User Content, subject to the license you grant to us in these Terms. By submitting, posting, uploading, or transmitting any User Content, you grant us and our affiliates, service providers, and partners a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, sublicensable, and transferable license to use, reproduce, distribute, transmit, display, perform, modify, adapt, create derivative works from, and otherwise exploit your User Content, in any media and for any purpose, including, but not limited to, providing, improving, and promoting the Website, the Service, and any other products or services we offer or may offer in the future. You also grant us and our affiliates, service providers, and partners the right to use your name, likeness, and any other information you provide in connection with your User Content, if we choose to do so. You represent and warrant that you have the right and authority to grant us this license and that your User Content does not infringe or violate the rights of any third party.

You acknowledge and agree that we are not responsible or liable for any User Content or any other activity or content on the Website or the Service, and that we do not endorse or guarantee any User Content or any other activity or content on the Website or the Service. You use the Website and the Service and any User Content or any other activity or content on the Website or the Service at your own risk and discretion.

Dispute Resolution

If you have any dispute, claim, or controversy with us arising out of or relating to these Terms, our Privacy Policy, or the Website or the Service, you agree to first contact us and try to resolve the issue informally and in good faith. If we are not able to resolve the issue within 30 days, you agree that any such dispute, claim, or controversy will be settled by binding arbitration administered by the Canadian Arbitration Association (“CAA”) under its Commercial Arbitration Rules and Supplementary Procedures for Consumer-Related Disputes. The arbitration will be conducted by a single arbitrator, in the English language, and in accordance with the laws of the Province of Ontario, without regard to its conflict of laws principles. The arbitration will be held in Toronto, Ontario, unless you and we agree otherwise. The arbitrator’s award will be final and binding and may be entered as a judgment in any court of competent jurisdiction. You and we agree to waive any right to a jury trial or to participate in a class action or representative action. You and we may bring claims only in your or our individual capacity and not as a plaintiff or class member in any class or representative action. You and we agree that any claim arising out of or relating to these Terms, our Privacy Policy, or the Website or the Service must be filed within one year after the claim arose, otherwise the claim will be permanently barred.

If any provision of this arbitration agreement is found to be invalid or unenforceable, then the remaining provisions will remain in full force and effect and the invalid or unenforceable provision will be deemed modified to the extent necessary to make it valid and enforceable.

This arbitration agreement does not apply to any claim that is exempt from arbitration under applicable law, such as a claim for injunctive or declaratory relief to protect our intellectual property rights or to prevent or stop any illegal or unethical activity.

Limitation of Liability and Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, WE AND OUR AFFILIATES, SERVICE PROVIDERS, AND PARTNERS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE WEBSITE, THE SERVICE, AND YOUR USE OF THEM, INCLUDING, BUT NOT LIMITED TO, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, AND ACCURACY. WE AND OUR AFFILIATES, SERVICE PROVIDERS, AND PARTNERS DO NOT WARRANT THAT THE WEBSITE, THE SERVICE, OR ANY DATA, INFORMATION, OR CONTENT STORED OR TRANSMITTED THROUGH THEM WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES, MALWARE, OR OTHER HARMFUL OR MALICIOUS CODE OR CONTENT. WE AND OUR AFFILIATES, SERVICE PROVIDERS, AND PARTNERS DO NOT WARRANT THAT THE INFORMATION, QUOTES, OR SERVICES PROVIDED BY THE INSURANCE COMPANIES OR THEIR AGENTS WILL BE ACCURATE, COMPLETE, OR QUALITY. WE AND OUR AFFILIATES, SERVICE PROVIDERS, AND PARTNERS DO NOT WARRANT THAT THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE WEBSITE, THE SERVICE, OR ANY DATA, INFORMATION, OR CONTENT STORED OR TRANSMITTED THROUGH THEM WILL BE SATISFACTORY, RELIABLE, OR BENEFICIAL.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE AND OUR AFFILIATES, SERVICE PROVIDERS, AND PARTNERS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THESE TERMS, OUR PRIVACY POLICY, OR THE WEBSITE OR THE SERVICE, OR YOUR USE OF THEM, OR ANY DATA, INFORMATION, OR CONTENT STORED OR TRANSMITTED THROUGH THEM, OR ANY INFORMATION, QUOTES, OR SERVICES PROVIDED BY THE INSURANCE COMPANIES OR THEIR AGENTS, EVEN IF WE OR THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL OUR OR THEIR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS, OUR PRIVACY POLICY, OR THE WEBSITE OR THE SERVICE, OR YOUR USE OF THEM, OR ANY DATA, INFORMATION, OR CONTENT STORED OR TRANSMITTED THROUGH THEM, OR ANY INFORMATION, QUOTES, OR SERVICES PROVIDED BY THE INSURANCE COMPANIES OR THEIR AGENTS, EXCEED THE AMOUNT OF ONE HUNDRED DOLLARS ($100).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR DAMAGES, SO SOME OF THE ABOVE EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, OUR AND THEIR LIABILITY WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.

Termination

We reserve the right to terminate your access to and use of the Website and the Service, or any part of them, at any time and for any reason, with or without notice or liability to you or any third party. We may also suspend your access to and use of the Website and the Service, or any part of them, if we believe that you have violated these Terms, our Privacy Policy, or any other applicable policies or guidelines, or if we believe that your use of the Website and the Service, or any part of them, may cause harm or damage to us, the insurance companies, or any other party.

You may also terminate your access to and use of the Website and the Service, or any part of them, at any time and for any reason, by discontinuing your use of the Website and the Service, or any part of them, and deleting any User Content or any other data, information, or content that you have stored or transmitted through the Website and the Service, or any part of them. You are solely responsible for backing up any User Content or any other data, information, or content that you have stored or transmitted through the Website and the Service, or any part of them, before terminating your access to and use of the Website and the Service, or any part of them.

Upon termination of your access to and use of the Website and the Service, or any part of them, for any reason, the license you granted to us in these Terms will also terminate and we may delete any User Content or any other data, information, or content that you have stored or transmitted through the Website and the Service, or any part of them, without notice or liability to you or any third party. However, we may retain and use your User Content or any other data, information, or content that you have stored or transmitted through the Website and the Service, or any part of them, for the purposes described in our Privacy Policy or as required or permitted by law.

The provisions of these Terms that by their nature should survive the termination of your access to and use of the Website and the Service, or any part of them, will survive such termination, including, but not limited to, the provisions regarding intellectual property, dispute resolution, limitation of liability and disclaimer of warranties, and general provisions.

Changes to the Terms

We may update these Terms from time to time to reflect changes in our practices, the law, or our Website or Service. We will notify you of any material changes by posting the updated Terms on our Website and by email if you have subscribed to our Service. The date at the top of these Terms indicates when they were last updated. Your continued use of our Website or Service after the updated Terms are posted constitutes your acceptance of the changes.

Contact Information

If you have any questions, comments, or requests regarding these Terms or our Website or Service, please contact us using the following information:
Email: contact@iquickhome.com