These Terms of Service (“Terms”) govern your use of the services provided by Filipino Insurance Broker Canada (“we,” “us,” or “our”) as an insurance broker. By accessing or using our services, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our services.

1. Services: We provide insurance brokerage services to assist you in obtaining insurance coverage. Our services include assessing your insurance needs, providing you with insurance quotes, assisting with insurance applications, managing your insurance policies, and facilitating communications with insurance companies and underwriters.

2. Client Responsibilities: You agree to provide accurate and complete information to us when using our services, including details about your insurance requirements, personal information, and any changes to your circumstances that may affect your insurance coverage. You acknowledge that failure to provide accurate information may impact the adequacy of your insurance coverage.

3. Insurance Products: We offer access to a variety of insurance products from different insurance companies. While we strive to provide you with suitable insurance options based on your needs and preferences, we do not guarantee the availability, pricing, or terms of any insurance product, as these are determined by the insurance companies.

4. Fees and Commissions: We may earn commissions or fees from insurance companies for the products or services we recommend or sell to you. These commissions or fees may vary depending on the insurance product, provider, or specific arrangement we have with them. You acknowledge and consent to our compensation arrangements.

5. Limitation of Liability: To the extent permitted by law, we shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of our services, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses.

6. Indemnification: You agree to indemnify and hold harmless [Your Insurance Brokerage Name], its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses arising out of or in connection with your use of our services or your violation of these Terms.

7. Modifications to Terms: We reserve the right to update or modify these Terms at any time without prior notice. Any changes to these Terms will be effective immediately upon posting on our website. Your continued use of our services after the posting of revised Terms constitutes your acceptance of the changes.

8. Contact Us: If you have any questions or concerns about these Terms or our services, please contact us at: karen@filipinoinsurancebrokercanada.com