Insurance Compass - Terms of Use
By using this app, you acknowledge and agree to the conditions outlined in this notice. Access to or use of this app is permitted only if you accept these terms. Every visitor, user, or individual accessing the app (“User”) is required to comply with these Terms of Use. By accessing, utilizing, or retrieving any data, materials, information, products, services, or other content (collectively, “Content”) through this app, you consent to be bound by these Terms of Use. If you do not agree with these terms, you must discontinue use of the app immediately.
1. Advisor Use Only
This app and the materials contained within are intended exclusively for use by licensed Advisors. They are not intended for public distribution or for use by clients or the general public.
2. No Legal or Financial Advice
The information provided in this Insurance Compass app is for general informational purposes only and is not intended as, nor should it be considered, legal, tax, financial, or professional advice. It is not a substitute for consultation with a qualified legal, tax, or financial professional who can assess your individual circumstances. Users must not rely on this information as a substitute for independent professional advice.
3. Information Not Guaranteed to Be Current or Accurate
While we strive to keep the information within the Insurance Compass app accurate and up-to-date, laws, regulations, and tax rules are constantly changing and can vary significantly by jurisdiction. Therefore, we cannot guarantee the completeness, accuracy, timeliness, or applicability of all information to your specific circumstances.
4. Use at Your Own Risk
Your use of any information obtained through the Insurance Compass app is entirely at your own discretion and risk. You are solely responsible for verifying that the information is accurate, relevant, and appropriate for your intended use.
5. No Client-Professional Relationship
Using the Insurance Compass app or accessing its content does not establish any lawyer-client, financial advisor-client, or other professional-client relationship. The information provided is for general guidance only and should not be interpreted as professional advice or a substitute for consultation with qualified experts.
6. Product Information
Any references to insurance or financial products are for illustrative purposes only. Users must refer to official insurance company illustrations, policy contracts, and information folders for verification and authoritative guidance. These documents govern in all cases.
7. Copyright and Intellectual Property
All content and materials accessible via the Insurance Compass app—including, but not limited to, text, graphics, logos, images, and software—are owned exclusively by PPI Management Inc. or its licensors and are protected by applicable copyright, trademark, and intellectual property laws. Reproduction or duplication of any part of this material is strictly prohibited without the prior written consent of PPI Management Inc.
8. Privacy
PPI Management Inc. is dedicated to safeguarding your privacy. Any personal information collected through the Insurance Compass app is managed in accordance with PPI’s internal privacy policies, which govern how such information is collected, used, disclosed, and protected.
9. Limitation of Liability
To the maximum extent permitted by law, PPI Management Inc., along with its affiliates, directors, officers, employees, agents, and licensors, disclaims liability for any direct, indirect, incidental, special, consequential, or punitive damages. This includes, but is not limited to, losses related to profits, data, usage, goodwill, or other intangible assets arising from:
(i) your access to, use of, or inability to access or use the app;
(ii) any actions or content from third parties on the app;
(iii) any content obtained through the app; and
(iv) unauthorized access to, use of, or alteration of your transmissions or content.
These limitations apply regardless of the legal basis—whether warranty, contract, tort (including negligence), or otherwise, and even if PPI Management Inc. has been advised of the possibility of such damages.
10. Governing Law and Jurisdiction
This disclaimer shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to its conflict of law provisions.
11. Modifications
PPI Management Inc. reserves the right to update or modify these Terms of Use at any time without prior notice. Continued use of the app following any changes constitutes acceptance of those changes.