Introduction
These Terms of Service govern your access to and use of our website. Our website provides general information about life insurance and a lead-matching service that connects you with one or more licensed insurance advisors. We do not provide insurance, legal, financial, or tax advice, and we are not an insurance company. By accessing or using our website, you agree to be bound by these terms. Final wording is pending legal and compliance review.
Acceptable Use
You agree to use our website only for lawful purposes and in a way that does not infringe on the rights of others or restrict their use of the website. You also agree to provide accurate, current, and complete information when you submit a quote request. Inaccurate or incomplete information may affect the guidance you receive from a licensed advisor.
- Harassing or causing distress to any person
- Disrupting the normal operation of the website
- Attempting to gain unauthorized access to our systems
- Submitting false, misleading, or another person's information without their permission
Limitations of Liability
The website and the lead-matching service are provided on an as-is and as-available basis. We make no warranties, express or implied, regarding the website or service. We do not guarantee any specific insurance coverage, premium, eligibility outcome, or that a particular advisor will contact you or recommend a particular product. To the maximum extent permitted by law, we are not liable for indirect, incidental, or consequential losses arising from your use of the website or the service.
Third-Party Advisors
We connect you with independent, licensed insurance advisors. The licensed advisor or insurance provider you choose to work with is solely responsible for the advice they give and any product they recommend. We are not responsible for their conduct, advice, or recommendations. You should verify the credentials of any advisor you choose to work with before entering into any insurance contract.
Intellectual Property
All content on this website is the property of the operator or its content suppliers and is protected by applicable intellectual property laws.
Modifications to Terms
We may modify these terms from time to time. Your continued use of the website after revised terms are posted means you accept the changes.
Governing Law
These terms are governed by and construed in accordance with the applicable laws of Ontario, Canada.
Contact Us
If you have questions about these Terms of Service, contact us at hello@kinforlife.com.