These Terms govern your use of RiskBuddy.ca and Risk Buddy's business-connection service. Risk Buddy is a brand operated by 1465708 B.C. Ltd.
1. About Risk Buddy
Risk Buddy is a business connection and lead-generation service that helps connect businesses with licensed commercial insurance professionals.
Risk Buddy is not an insurance company, insurance brokerage, licensed insurance advisor, quote provider or underwriter. Risk Buddy does not sell or bind insurance or provide insurance advice, recommendations, quotes or coverage.
2. Insurance Decisions
Information on RiskBuddy.ca is provided for general informational purposes only and is not insurance, legal, financial or other professional advice.
Insurance products, advice, recommendations, quotes, underwriting decisions, policy terms and coverage are provided or determined by appropriately licensed insurance professionals and insurers.
You are responsible for evaluating your insurance needs and deciding whether to purchase any insurance product.
3. Connections
When you submit an enquiry, Risk Buddy may use the information you provide to identify and facilitate contact with an appropriate licensed commercial insurance professional, as described in our Privacy Policy.
Submitting an enquiry does not guarantee that Risk Buddy will make a connection or that any insurer or insurance professional will offer insurance.
4. No Guarantee of Pricing, Savings or Coverage
Risk Buddy does not guarantee insurance availability, eligibility, pricing, savings, policy terms, underwriting decisions or coverage.
There is no obligation to purchase insurance as a result of submitting an enquiry or speaking with an insurance professional.
5. Information You Provide
You agree to provide information that is accurate to the best of your knowledge and not to knowingly submit false, misleading, unlawful or unauthorized information.
Information submitted through Risk Buddy will be handled in accordance with our Privacy Policy.
6. Website Use
You may not misuse RiskBuddy.ca, attempt to interfere with its operation or security, access systems or information without authorization, or use the website for unlawful, fraudulent or deceptive purposes.
7. Website Availability and Information
We work to keep RiskBuddy.ca available and information reasonably accurate, but we do not guarantee that the website will always be available, uninterrupted or error-free.
Website content may be changed or updated from time to time.
8. Third-Party Professionals and Services
Commercial insurance professionals and other third parties are independent from Risk Buddy unless expressly stated otherwise.
Risk Buddy is not responsible for insurance advice, recommendations, quotes, underwriting decisions, products, services or coverage provided or offered by third parties.
Any insurance relationship you choose to enter into is between you and the applicable licensed professional, brokerage and/or insurer.
9. Limitation of Liability
To the extent permitted by applicable law, Risk Buddy and 1465708 B.C. Ltd. will not be liable for indirect, incidental, special or consequential losses arising from use of the website or the Risk Buddy connection service.
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.
10. Privacy
Our collection, use and disclosure of personal information is described in the Risk Buddy Privacy Policy.
11. Governing Law
These Terms are governed by the laws applicable in the Province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict-of-law principles.
12. Changes
We may update these Terms from time to time. The current version will be posted on RiskBuddy.ca with its most recent update date.
13. Contact
Questions about Risk Buddy or these Terms may be sent to:
Risk Buddy / 1465708 B.C. Ltd.
hello@riskbuddy.ca