Terms Of Service

Viita Insurance Group Inc. is licensed to sell life insurance in Ontario governed by the Financial Services Regulatory Authority of Ontario (“FSRA”). We offer personalized insurance advice in comparison to the creditor insurance offered to our Site visitors by offering them digital tools that can help assess their insurance needs and suggest appropriate insurance products. Our advice is based on information provided by Site visitors, third-party tools, data feeds, open-source, and other partner data. We are not an insurance company, instead of as a licensed insurance agent(s), we and our representatives, provide you with recommendations about and facilitate the purchase of life and related insurance products from a broad set of insurance companies, licensed to sell insurance in Ontario.

The Services we provide include:

  1. Obtaining quotes – We provide you with insurance quotes for products issued by third-party insurance companies. We allow you to save and retrieve such quotes for easy future access.
  2. Comparing policies – We offer easy-to-use tools and summarized information to help you compare different policies and quotes from third-party insurance companies.
  3. Reviewing insurance needs – We include informational and computational tools that offer recommendations to help you assess your insurance needs.
  4. Proprietary content (“Content”) – We offer easy-to-understand information material to disseminate knowledge and information about insurance products.
  5. Buying insurance products – We facilitate the purchase of life and related insurance products for your insurance needs.

Our advisory services are independent to support our customers’ decision-making. We seek to undertake an unbiased, objective analysis of various insurance products and/or insurance companies available in your province to provide you with recommendations that meet your personalized insurance needs. Our recommendation may be limited to those insurance companies and/or products that have made available the relevant information to us or to our third-party data provider(s) and/or those companies that have contracted and/or permitted us to display and sell their products. We will regularly review our arrangements to ensure that the insurance companies and their policies we offer are representative of the market.

If you purchase an insurance policy through Viita Insurance Group Inc., the insurance company will pay Viita Insurance Group Inc. a commission based on the premium that you are charged. Viita Insurance Group Inc. may also receive other performance-based compensation from insurance companies for our services. The premium you pay already includes the commission due to us; no additional payment is required on your part. Any other fees or charges that you may be required to pay (for e.g., policy administration fee) are determined by the insurance company, and not us. When we receive fees or commission for brokering your insurance business, we will act in accordance with all applicable laws. If you were introduced to Viita Insurance Group Inc. to compare your creditor insurance rates by a trusted partner, a referral fee may also be given to that trusted partner for their introduction.

We can arrange the purchase of insurance products only for Site visitors who reside in the province of Ontario, Canada. We don’t arrange the purchase of insurance products for visitors residing outside Ontario or anywhere we aren’t licensed. However, non-Ontario residents may be able to visit and explore certain other sections of our Site and utilize our other Services. We do not guarantee the accuracy, availability, or distribution of our Content and Services to people who reside outside Ontario within Canada or any location outside Canada. We may limit the availability of our Site or Services or content on our Site to any person or geographic area at any time.

Viita Insurance Group Inc. use a third-party provider to obtain the insurance quotes that we present to you on the site. This provider is a fully independent company. Viita Insurance Group Inc. does not control the prices relating to insurance quotes displayed on the Site. These are set by the insurer and provided to us by the third-party provider. On the Site, Viita Insurance Group Inc. may limit the number and type of products or length of offers that are displayed to you.

All quotes displayed by Viita Insurance Group Inc. are based upon the information you provided and subject to underwriting by our partner insurance companies. The displayed quotes are not a contract or agreement to extend insurance coverage. All quotes are subject to verification by the insurance companies. Please ensure that all information provided is accurate to avoid change in price and/or delay or denial of coverage.

‍Your price isn’t final and set until you sign and pay for the actual insurance policy. We do not guarantee that the price quoted on the website will be the same as the price eventually offered to you by the insurer. We do not accept any liability resulting from the change in the price, availability or validity of a quote. The final quote may change subject to additional information an insurance company may collect from you.

‍In the event that there are any discrepancies between the quotes being provided by our Site and the quotes established by insurance companies, the quotes established by the insurance companies shall govern.

‍In case we are unable to collect adequate or accurate information from you, we may be unable to provide appropriate or any recommendations or quotes. Product information and descriptions contained within the Site are not intended to complete descriptions of all applicable terms, exclusions, and conditions, but are provided solely for general informational purposes. If you purchase a policy through us, you should refer to the actual policy for complete details of coverage.

You are obliged to provide full and accurate material circumstances about your risk, now and throughout the lifetime of your policy. A material circumstance is anything that may influence an insurance company’s assessment of your risk and should include certain medical and non-medical information that you have dealt with yourself with or without involving an Insurer. A material circumstance could include knowledge of your historical or anticipated changes to your tobacco usage, substance or drug abuse, driving history, medical condition, criminal convictions, or any financial issues such as potential bankruptcies. If you are unsure as to whether a circumstance is material, we recommend that it be disclosed. Failure to disclose may entitle the Insurance companies to refuse to pay part or all of any subsequent claims.

You are responsible for making all arrangements necessary for you to have access to our website. There is no guarantee that our website, or any content or service on it, will be available at all times. We will not be liable to you if the site or any part of it becomes unavailable for any reason at any time or for any period. Changes to parts or all of the website may be made at any time without notice. If anyone else is accessing our website through your internet connection, you are responsible for ensuring that these other persons are aware of these terms and conditions and that they comply with them. You must be at least 18 years old to access the services on our website.

By using the Services, you understand and acknowledge that the Site provides a platform for users to get information on, and compare third party insurance products. Neither the Site nor Viita Insurance Group Inc. or any of our affiliated companies are an insurance company offering the insurance products listed on the Site.

While we have made every attempt to ensure the accuracy and reliability of the information provided on this Site, we do not make representations or warranties about the accuracy of any information contained on the Site, and we shall not be responsible for any inaccuracies, misrepresentations, errors or omissions in the information provided therein, and some information may not always be up to date.

You agree that we are not liable for any advice provided by third parties. You agree that you are responsible for your own financial and financial decisions and that we are not responsible or liable for any decisions or actions you take or authorize us or third parties to take on your behalf based on the information you receive as a user of the Site. Users hereby understand and agree to use the information contained on this Site at their own risk.

In no event shall we be liable for any special, direct, indirect, consequential, or incidental damages, or any damages whatsoever, arising out of, or in connection with, the use of the Services or the Site.

The availability of insurance policy products varies by province and our Site content may include information about some products that are not currently available or may never be available in your province. Information about insurance companies and their respective products is intended for residents of provinces in which those insurance companies are licensed. All products and services provided by the participating insurance companies on the Site are subject to the terms, conditions, and limitations of each such company and subject to change without notice.

Prohibited activities you agree not to:

  1. Use the Services for any illegal purpose, or in violation of any local, state, national, or international law;
  2. Violate or encourage others to violate the rights of third parties, including intellectual property rights;
  3. Interfere in any way with security-related features of the Services;
  4. Interfere with the operation or any user’s enjoyment of the Services, including by uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code, or attempting to collect personal information about users or third parties without their consent;
  5. Access, monitor or copy any content or information of the Site using any robot, spider, scraper, or other automated means or any manual process for any purpose without our express written permission;
  6. Perform any fraudulent activity, including impersonating any person or entity, claiming false affiliations, accessing the accounts of other users without permission, or falsifying your identity or any information about you, including age or date of birth; or other information;
  7. Sell or otherwise transfer the access granted herein.

All contents of this Site are the copyright of Viita Insurance Group Inc. and are protected under the copyright laws of Canada, except third-party trademarks or service marks, which are the property of their respective owners.

We may, in our sole discretion, suspend or discontinue the Site, the Services, or any Site content at any time without notice. We do not give you permission and you may not mirror, reproduce, modify, distribute, transmit, post, or use the Site content in any other media without our prior written consent.

We will not accept transactions or instructions by Internet email messages. However, questions of a general nature or inquiries may be communicated by sending us an email. Any communication transmitted to us by electronic means becomes the property of Viita Insurance Group Inc. or its affiliates and may be used for any purpose. We are free to use any idea contained in any communication sent to us for any purpose whatsoever, including, but not limited to, developing, manufacturing, and marketing products using such information.

The communication we send to you may be electronic and you agree that we have no obligation to send you paper communication. Electronic communication will be sent to you at the primary email address provided by you. Other than to service legal proceedings, we are not obliged to receive paper correspondence from you.

We maintain commercially reasonable administrative, physical, and technical safeguards designed to prevent any unauthorized use, access, processing, destruction, loss, alteration, or disclosure of the data and information you provide us. If any data or information under our control is compromised as a result of a breach of security, we will investigate the situation and where appropriate, notify those individuals whose information may have been compromised and take other steps, in accordance with any applicable laws and regulations.

There is no liability for loss caused by viruses or technologically harmful material that may infect your computer, programs, or data due to the use of our website or to any website linked to our website. There is no guarantee that our website will be free from viruses. The responsibility to configure your IT systems, computer programs, and the platform required to access our site is on you. You are requested to use your own virus protection software.

You agree to defend, indemnify, release and discharge, to the fullest extent permitted by law, Viita Insurance Group Inc. and its affiliates, officers, directors, employees, agents, consultants, and shareholders, and any other person or entity that directly or indirectly controls, is under common control with or is directly or indirectly controlled by, Viita Insurance Group Inc., and each of their respective successors, assigns, heirs and legal representatives (“Viita Insurance Group Inc.”) as well as any third-party providers of Site Content (“Third Parties”, and with Viita Insurance Group Inc. Parties, collectively, the “Site-Related Parties”), harmless from any responsibility, liability, claim, demand, action, cause of action, or damage (actual or consequential) of every kind and nature, known or unknown, including but not limited to reasonable attorneys’ fees and claims of negligence, arising out of or related to your breach of these Terms or your use or misuse of the Services, the Site Content or the Site.

To the maximum extent permitted by law, the Site-Related Parties shall not be liable for (a) any indirect, incidental, exemplary punitive, or consequential damages of any kind whatsoever, (b) loss of profits, revenue, data, use, goodwill, or other intangible losses, (c) damages relating to your access to, use of, or inability to access or use the Services, (d) damages relating to any conduct or content of any third party or user using the Services, including without limitation, defamatory, offensive or illegal conduct or content, and/or (e) damages in any manner relating to any Site Content. This limitation applies to all claims, whether based on warranty, contract, tort, or any other legal theory, whether or not we have been informed of the possibility of such damage.

Where a remedy set forth herein is found to have failed its essential purpose, to the maximum extent permitted by law, the total liability of Site-Related Parties for any claim under these Terms, including for any implied warranties, is limited to 50 dollars (Canadian $50).You are in agreement not to use our site for commercial or business use. We have no liability to you for any business losses.

‍We do not take on or assume any responsibility for any harm, loss, or corruption to you, your computer, or your data (or any third party data or computer) from your use of the Services.

The Content on the Site is for convenience and information purposes only. Nothing on therein should be construed as rendering tax, legal, investment, or accounting advice. The posting of any prospectus or any other information is not a recommendation or opinion for you to buy or sell any product or participate in any transaction.

We may terminate or suspend your access to or ability to use any and all Services immediately, without prior notice or liability, for any reason or no reason, including but not limited to your breach of any of these Terms. Upon termination of your access to use a Service, you right to access or use the Site or that Service, and any Site Content will immediately cease. All of these Terms that by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, and limitations of liability. Termination of your access to and use of the Services shall not relieve you of any obligations arising or accruing prior to such termination or limit any liability that you otherwise may have to Site-Related Parties.

By accessing and browsing this Site, visitors agree that the laws of Ontario and Canada apply to any issue that might arise with Viita Insurance Group Inc. regarding this Site or the Services, and to settle such dispute in the courts of Ontario. You agree to submit to the jurisdiction of the courts located within Ontario for the purposes of litigating all such claims or disputes.