Terms of Service

Acceptance of Terms

By accessing or using InsureMyCottage.ca (the "Site"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.

Nature of the Site

InsureMyCottage.ca is operated by Luca, a RIBO-registered insurance broker in Ontario. The Site provides general information about insurance products and services, and a means for prospective clients to request insurance quotes and information.

The content on this Site is for informational purposes only. Nothing on this Site constitutes a binding insurance contract, confirmation of coverage, or a guarantee that any specific coverage is available. Coverage is always subject to the terms, conditions, and availability of the insurer providing the policy.

No Coverage Guarantee

Information, FAQs, and articles on this Site describe how Ontario insurance products generally work. Coverage details, availability, and premiums vary by insurer, property, and individual circumstances. Descriptions using "typically" or "generally" reflect common industry practice and should not be interpreted as a guarantee of coverage in any specific situation.

Regulatory Compliance

Luca is registered with the Registered Insurance Brokers of Ontario (RIBO) and operates in compliance with applicable Ontario insurance regulations. This Site is not intended to solicit business outside of Ontario.

Limitation of Liability

To the maximum extent permitted by law, InsureMyCottage.ca and Luca are not liable for any indirect, incidental, or consequential damages arising from your use of this Site or reliance on information provided herein. The information on this Site is provided "as is" without warranty of any kind.

Third-Party Links

This Site may contain links to external websites. We are not responsible for the content, accuracy, or privacy practices of any third-party sites.

Changes to Terms

We reserve the right to update these Terms of Service at any time. Continued use of the Site following any changes constitutes acceptance of the revised terms.

Governing Law

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

Contact

Questions regarding these terms may be directed to Luca at luca@insuremycottage.ca.