Terms of Service

1. About Harbour Policy

Harbour Policy ("we," "us," or "our") operates the website harbourpolicy.com (the "Site"). Harbour Policy is a lead generation and referral service that connects Canadian consumers with licensed life insurance advisors. We are not an insurance company, broker, or agent. We do not sell, underwrite, or bind any insurance products. All insurance products referenced on this Site are provided by licensed Canadian insurance companies through independent licensed advisors.

2. Acceptance of Terms

By accessing or using the Site, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree with any part of these terms, you must not use the Site. We reserve the right to update these terms at any time, and your continued use of the Site after any changes constitutes acceptance of the revised terms.

3. Eligibility

You must be at least 18 years of age and a resident of Canada to use this Site and submit a quote request. By submitting your information, you confirm that you meet these eligibility requirements and that all information you provide is accurate and truthful.

4. Services Provided

Harbour Policy provides a free online questionnaire that collects basic information about your life insurance needs. Based on your responses, we connect you with a licensed life insurance advisor who will contact you to discuss personalized coverage options. Our service is provided at no cost to you. Advisors are compensated by the insurance companies when a policy is purchased.

We do not guarantee that you will receive a specific quote, rate, or coverage amount. All quotes, rates, and coverage details are determined by the insurance companies and their underwriting criteria. The information displayed on our Site, including estimated pricing, is for illustrative purposes only and does not constitute an offer of insurance.

5. Consent to Be Contacted

By submitting your information through our quote form, you expressly consent to being contacted by a licensed life insurance advisor via telephone, email, or text message at the contact information you provided. This consent is given in accordance with Canada's Anti-Spam Legislation (CASL) and applies to communications related to the life insurance inquiry you initiated.

You may withdraw your consent at any time by contacting us at [email protected] or by informing your assigned advisor directly. Please note that withdrawing consent may limit our ability to provide you with the services you requested.

6. SMS Verification

As part of our form submission process, we use SMS verification to confirm your phone number. By entering your phone number and clicking "Verify," you consent to receiving a one-time verification code via text message. Standard messaging rates from your wireless carrier may apply. This verification is solely for the purpose of confirming your identity and phone number accuracy.

7. User Responsibilities

You agree to provide accurate, current, and complete information when using our quote form. You agree not to use the Site for any unlawful purpose, to impersonate any person or entity, to submit false or misleading information, to interfere with the operation of the Site, or to attempt to gain unauthorized access to any part of the Site or its systems.

8. Intellectual Property

All content on this Site, including text, graphics, logos, images, and software, is the property of Harbour Policy or its content suppliers and is protected by Canadian and international copyright laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written consent.

9. Disclaimer of Warranties

The Site and all information, content, and services provided through it are offered on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy or completeness of any information, including estimated pricing, coverage amounts, or insurer availability displayed on the Site.

10. Limitation of Liability

To the fullest extent permitted by applicable Canadian law, Harbour Policy, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the Site or the services provided. Our total liability for any claim arising from your use of the Site shall not exceed the amount you paid to us for the services, which in all cases is zero dollars ($0), as our service is free.

11. Third Party Links and Services

The Site may contain links to third-party websites or services that are not owned or controlled by Harbour Policy. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Harbour Policy shall not be responsible or liable for any damage or loss caused by your use of any such third-party content or services.

12. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict of law principles. Any disputes arising from these terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts of British Columbia.

13. Changes to These Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the Site. We encourage you to review these terms periodically. Your continued use of the Site following any changes constitutes your acceptance of the revised terms.

14. Contact Information

If you have any questions about these Terms of Service, please contact us at: