Agreement and Acceptance
Welcome to PolicyScanner Brokerage Incorporated (“PolicyScanner,” “we,” “us,” or “our”). We own and operate the website www.policyscanner.ca (the “Site”), which provides digital life insurance brokerage, insurance quote comparison, and related advisory services (the “Services”).
These Terms of Service (“Terms”) govern your access to and use of our Site and Services. By accessing or using our Services, you agree to be bound by these Terms and by our Privacy Policy.
Changes to Terms: We reserve the right to modify these Terms at any time. We will notify you of changes by updating the “Last Updated” date above. Your continued use of our Services after changes are posted constitutes acceptance of the modified Terms.
About Our Service
Who We Are: PolicyScanner Brokerage Incorporated is a licensed life insurance brokerage in Ontario, Canada, regulated by FSRA under license #41964M. All of our advisors are LLQP-certified.
What We Do: We provide digital life insurance brokerage services, including quote comparison from multiple life insurance companies, application facilitation, advisory services through our LLQP-certified advisors, and educational content about life insurance products.
Geographic Limitations: Our services are available only to residents of Ontario, Canada.
Email Communications: By submitting a quote request, you consent to receiving a quote confirmation email, advisor follow-up communications, and relevant policy information. You may opt out at any time.
Our Role as Insurance Brokerage
What We Are NOT
- We are NOT an insurance company — we do not issue, underwrite, or provide insurance policies
- We do NOT make underwriting decisions — all coverage decisions are made solely by insurance companies
- We do NOT control pricing — premium rates are set by insurance companies
- We do NOT guarantee coverage — approval is subject to each insurer's underwriting guidelines
- We are NOT financial advisors — we facilitate applications, not comprehensive financial planning
Independence and Compensation: We are compensated through commissions paid by insurance companies when you purchase a policy through our platform. You do not pay any additional fees.
Your Responsibilities
Age and Capacity: You must be at least 18 years old and have the legal capacity to enter into these Terms.
Accurate Information: You are responsible for providing complete and accurate information about your health history, lifestyle factors, financial information, and any other material circumstances that may affect insurance risk.
Failure to provide accurate information may result in claim denial or policy cancellation by the insurance company.
Financial Decisions: You acknowledge that you are responsible for your own financial and insurance decisions. While our LLQP-certified advisors can provide guidance, you should consider consulting with independent financial advisors for comprehensive planning.
Service Limitations
While we strive for accuracy, we make no warranties regarding the accuracy or completeness of information on our Site, currency of insurance product information, or availability of specific products for your situation.
Our Services do not constitute legal, tax, or comprehensive financial advice.
Prohibited Activities
You agree not to:
- Provide false information in applications or communications
- Use our Services for illegal purposes or in violation of applicable laws
- Attempt to circumvent our security measures
- Interfere with the operation of our Site
- Scrape or harvest content from our Site using automated means
- Impersonate others or misrepresent your identity
- Use our Services to engage in fraudulent activities
Limitation of Liability
Our Services are provided “AS IS” and “AS AVAILABLE” without warranties of any kind.
Limitation of Damages: To the maximum extent permitted by law, PolicyScanner's total liability shall not exceed the lesser of the commissions received for the specific transaction in question, or one hundred dollars (CAD $100).
Excluded Damages: In no event shall PolicyScanner be liable for indirect, incidental, or consequential damages, loss of profits, business interruption, or punitive damages.
PolicyScanner is not responsible for any actions, decisions, or omissions by insurance companies, including application denials, claim disputes, policy cancellations, or coverage limitations.
Termination
We may terminate or suspend your access to our Services immediately, without prior notice, for breach of these Terms, violation of applicable laws, fraudulent behavior, or any reason at our sole discretion.
Governing Law and Dispute Resolution
These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada. You and PolicyScanner irrevocably consent to the exclusive jurisdiction of the courts of Ontario, Canada.
Complaint Resolution:
- Contact us directly using the information below
- If not resolved, you may contact FSRA
- For policy-related issues, contact the OmbudService for Life and Health Insurance (OLHI)
Contact Information
Company: PolicyScanner Brokerage Incorporated
Email: info@policyscanner.ca
Legal Inquiries: legal@policyscanner.ca
Address: 6 Urbane Blvd, Kitchener, Ontario, N2E 0J2
Phone: (437) 422-8353
FSRA License: #41964M
PolicyScanner Brokerage Incorporated (FSRA #41964M) · Digital Life Insurance Brokerage · All advisors are LLQP-certified · Last Updated: June 28, 2025