TERMS OF SERVICE

Last updated: August 2026

1. Acceptance of these terms

By accessing and using this website, you agree to these Terms of Service. If you do not agree with them, please do not use the site.

2. Nature of the information published

This website is for informational purposes. Information about products, coverages and benefits is general in nature and does not constitute insurance advice, an offer, or a contract of insurance.

The coverages, amounts, conditions, exclusions, timeframes and requirements of each product are defined exclusively in the policy issued and depend on the assessment of each individual case. In the event of any discrepancy between the information published on this site and the terms set out in the policy, the policy prevails.

3. Quotes and pricing

We do not publish prices on this site. The cost of a policy depends on individual factors such as age, health situation, how the vehicle or property is used, and the coverage selected.

Any quote is provided following a personalized assessment and is subject to applicable underwriting conditions. No communication prior to the issuance of a policy guarantees that an application will be accepted or that coverage will be bound.

4. Virtual assistant and contact channels

This site may offer an automated virtual assistant and messaging channels. Its responses are general and informational in nature, are generated automatically, and do not constitute professional advice and are not binding. The assistant does not provide prices or quotes.

To receive advice on your specific situation, you must book an appointment with one of our agents.

5. Appointment booking

The site allows you to book appointments through a calendar. Booking an appointment does not create any obligation to purchase a product, nor any commitment on our part beyond attending to the scheduled consultation.

6. Territorial scope

We provide services to residents of Ontario, Canada. Any legal, regulatory or coverage reference contained on this site relates to the province of Ontario and should not be interpreted as applicable to other jurisdictions.

7. Intellectual property

The text, images, videos, trademarks and other content on this site are the property of PM Insurance Agents or are used with authorization. Their reproduction, distribution or modification without prior written consent is not permitted.

Third-party trademarks and trade names that may appear belong to their respective owners.

8. Third-party links and services

This site may include links to social media, messaging services, scheduling tools and other services operated by third parties. We do not control those services and are not responsible for their content, practices or privacy policies.

9. Limitation of liability

The site is provided as is. We do not guarantee that it will be free of errors, interruptions or inaccuracies. To the extent permitted by law, we accept no liability for decisions made solely on the basis of information published on this site without first consulting an agent.

10. Changes to these terms

We may update these Terms of Service at any time. The version in force will always be the one published on this page, showing its last updated date.

11. Governing law

These terms are governed by the laws of the province of Ontario and the federal laws of Canada applicable therein.

12. Contact

For any questions regarding these terms: 

Email: [email protected]

Phone: 647-907-0926