Terms of Service
Last updated: January 2026
1. Acceptance of Terms
By accessing and using LowestRates.io, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our service. We reserve the right to modify these terms at any time, and your continued use constitutes acceptance of any changes.
2. Description of Service
LowestRates.io is a life insurance comparison platform that allows Canadian consumers to compare quotes from multiple insurance providers. We are not an insurance company and do not provide insurance products directly. We connect users with licensed insurance providers and brokers.
3. User Responsibilities
When using our service, you agree to:
- Provide accurate and truthful information
- Be at least 18 years of age
- Use the service for lawful purposes only
- Not attempt to interfere with the service's operation
- Not impersonate others or provide false information
4. Insurance Quotes
Quotes provided through our platform are estimates based on the information you provide. Final insurance rates and coverage are determined by the insurance provider and may differ from initial quotes. We do not guarantee the accuracy of quotes or availability of coverage.
5. Limitation of Liability
LowestRates.io provides information and comparison services on an "as is" basis. We are not liable for any decisions made based on information provided through our platform, insurance coverage disputes, or any damages arising from the use of our service.
6. Intellectual Property
All content on LowestRates.io, including text, graphics, logos, and software, is the property of LowestRates.io or its licensors and is protected by Canadian and international copyright laws. You may not reproduce, distribute, or create derivative works without our written permission.
7. Privacy
Your use of our service is also governed by our Privacy Policy. By using LowestRates.io, you consent to the collection and use of your information as described in our Privacy Policy.
8. Governing Law
These Terms of Service are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes shall be resolved in the courts of Ontario.
9. Contact Information
For questions about these Terms of Service, please contact us at legal@lowestrates.io or write to: LowestRates.io, 123 Bay Street, Suite 1000, Toronto, ON M5J 2T3.