Terms of Use

Cookies and ads

Cookies are small data files sent to your Internet browser that allow us and our third-party service providers to recognize you when you visit this website. This enables us to:

• offer certain functionality that makes it more convenient for you to use the website;
• gather information about your use of the website;
• maintain, monitor, protect, and improve the website; and,
• integrate third party services into the website.

If you set your browser to disable cookies, you may not be able to access certain parts of this website or certain parts of it may not work properly.

We use the following cookies on this website:

1. Essential cookies

Essential cookies ensure this website works correctly and securely. Without these cookies, services like getting an insurance quote, logging into your account, managing your policy, paying your policy, and reporting a claim cannot be provided. These cookies also allow this website to remember choices you make (such as your username and language preference).

The essential cookies used on this website are:

• Google Fonts
• JQuery
• JsDelivr
• YouTube Embedded Player
• Website Cookies

2. Analytics cookies

Analytics cookies allow us to improve the experience and performance of our website. These cookies also help us identify issues experienced by visitors.

The analytical cookies used on this website are:

• Firebase
• Google Analytics
• Google Tag Manager
• Matomo

3. Marketing cookies

Marketing cookies include cookies, pixel tags, and other technologies that let us deliver interest-based advertisements about our products and services to you on various websites. You can learn more about, and opt-out from, interest-based advertisements by visiting the AdChoices Canada opt-out page.

The marketing cookies used on this website are:

• Bing Ads (opt-out)
• Facebook/Meta (opt-out)
• Google Ads (opt-out)

Permitted use

All content on the Website and the App are made available only for your personal, lawful, non-commercial use in connection with seeking insurance. Use of the Website or the App by a competitor company or other non-consumer third party is prohibited.

Except as expressly mandated by law, you may not, without our prior written permission:

1. post, transmit, copy, modify, create derivative works from, distribute, sell, or republish anything you obtain or download from the Website or the App, or the Website or the App itself;
2. reverse engineer, disassemble, decode, or otherwise attempt to derive or gain access to the source code of the Website or the App; or
3. engage in systematic retrieval of data or other content from the Website or the App.

You may not:

1. impersonate another person or log into or use an account which you are not authorized to access;
2. use the Website or the App for an unlawful, misleading, fraudulent, illegal, or otherwise unauthorized purpose;
3. disable, remove, or circumvent any security features in or protecting the Website or the App; or
4. otherwise interfere with, damage, or disrupt any part of the Website or the App.

Copyrights and trademarks

Except as otherwise indicated, all materials in the Website and the App, including without limitation the Square One logo and other Square One trademarks and service marks, are the property of Square One and are protected by international copyright and trademark laws, all rights reserved. You may use materials obtained from the Website or the App for the permitted purposes outlined in these Terms of Use, provided that the following copyright notice appears in all copies of any downloaded or printed materials: “© 2023 Square One Insurance Services. All rights reserved.” Any other use is prohibited.

Our products and services

The information and materials provided on the Website and the App are intended for general reference only, and may not describe all terms, conditions, exclusions, and exceptions applicable to Square One’s products and services. All coverages are subject to the terms, conditions, and exclusions of the insurance policies issued. Coverages and their availability may vary by province and your circumstances, and additional minimum coverage limits may be required in your province. The products and services offered on the Website and the App are only available in the jurisdictions in which Square One is properly licensed.

Privacy and passwords

Square One values and protects the privacy of your information. Please review Square One’s Privacy Policy, as it contains important information relating to your use of the Website and the App.

Some portions of the Website and the App are protected and require a user identification code (“User ID”) and password for access. With your consent and direction, we will send a one-time password to the email address or telephone number that you provided. (Please note: your carrier may charge for SMS messages.) Unauthorized access or use of such portions of the Website or the App is prohibited. You agree that you will notify Square One immediately if you believe that a third party has obtained your User ID or password, or if you believe that any unauthorized access or use may occur or has occurred. For your protection, if Square One believes that any unauthorized access may occur or has occurred, Square One may terminate such access without prior notice to you. You also agree that Square One is permitted to act upon any instructions received using your User ID and password and to consider such instructions as authorized by you.

Third-party sites

At times, the Website or the App may have links to websites hosted by other parties (“Third-Party Websites”), or such Third-Party Websites may have links to the Website or the App. These links are offered as a convenience and for informational purposes only, not as referrals or endorsements by Square One of the Third-Party Websites. The Third-Party Websites are maintained by their respective organizations, and those organizations are solely responsible for the content of their websites. Square One does not verify nor make any warranty or representation about the content, accuracy, opinions expressed, warranties, products or services, intellectual property compliance, or links of such Third-Party Websites. You should read the privacy policies and terms of use agreements of all Third-Party Websites.

Disclaimer of warranties

All information, products, content and other materials in the Website or the App, accessible from the Website or the App, or in a Third-Party Website are provided “as is” and without warranties or representations of any kind, either express or implied. This means that Square One expressly disclaims all warranties, express or implied, including without limitation the warranties of title and non-infringement and the implied warranties of merchantability and fitness for a particular purpose. Also, Square One does not represent or warrant that:

1. the operation of the Website or the App will be error-free or uninterrupted;
2. defects will be corrected;
3. the Website, the App, any emails sent by Square One, or the server that makes the Site available are free of viruses or other harmful devices;
4. the Website or the App will be available to you or that you will qualify for products or services offered;
5. the materials in the Website or the App will be accurate as of any particular date; or,
6. the products or services offered through the Website or the App are available outside of Canada or in jurisdictions in which Square One is not properly licensed.

If you are in a province that does not allow a disclaimer of implied warranties, the above disclaimer or a portion of it may not apply to you.

Limitation of liability

Square One shall not be liable for any loss, damage, injury, or claim, nor any special, indirect, incidental, consequential, exemplary or punitive damages of any kind, whether such action is based in tort, contract, negligence, strict liability, or otherwise and even if Square One has been advised of the possibility of such damages, which arises out of or relates in any way to:

1. the App, the Website, materials on the Website or the App, or the inability to use the Website or the App;
2. any Third-Party Website, materials in any Third-Party Website, or the inability to use any Third-Party Website;
3. any defect, omission, error, interruption, delay, or computer virus; or,
4. except because of Square One’s gross negligence or intentional actions, the unauthorized alteration of or access to your transmissions or personal data.

If you are in a province that does not allow the limitation of liability for certain damages, the above limitation of liability or a portion of it may not apply to you. However, you agree in any event that Square One’s total liability for all damages, losses, injuries, or claims of any kind or nature shall be limited to the amount you have paid to access the Website or the App.

You agree to indemnify, defend, and hold harmless Square One and its officers, directors, employees, agents, affiliates, successors, and assigns from and against any claims, damages, losses, liabilities, actions, judgments, settlements, interest, awards, penalties, fines, costs, or expenses of whatever kind, including legal fees, arising from or relating to your use or misuse of the Website or the App, violation of any third party rights, violation of any applicable law, or your breach of these Terms of Use.

Jurisdiction, enforceability, and termination

These Terms of Use and your use of the Website and the App are governed in all respects by the laws of the Province of British Columbia, without giving effect to any principles of conflicts of laws. Any dispute concerning the Website, the App, or these Terms of Use shall be subject to the exclusive venue of a court of competent jurisdiction in Vancouver, British Columbia.

If a court of competent jurisdiction holds any provision of these Terms of Use to be invalid or unenforceable, then such provision shall be severable from and shall not affect the validity or enforceability of the remaining provisions.

These Terms of Use are effective until terminated by either party. You may terminate these Terms of Use without notice to Square One by discontinuing all use of the information contained on the Website and/or the App and destroying the materials you have obtained from the Website and/or the App, including all related documentation and copies. Square One may terminate these Terms of Use and/or the products or services offered by Square One at any time without notice to you if, in our sole judgment, you breach any term or condition of these Terms of Use. Upon termination, you must discontinue all use of the information contained on the Website and/or the App and destroy the materials you have obtained from Square One, including all related documentation and copies. Square One is also entitled to terminate all or part of the Website or the App at any time, without notice to you.

These Terms of Use state the entire agreement regarding the items discussed above.

Accessibility

Square One is committed to ensuring equal access and participation for persons with disabilities. Learn more about our our commitment to accessibility.