TERMS OF USE & PRIVACY POLICY

Effective Date: Jan 1, 2026
Website: NoBill.ca


PART I — TERMS OF USE
1. Acceptance of Terms

By accessing or using NoBill.ca (the “Website”), you agree to be legally bound by these Terms of Use and Privacy Policy (collectively, the “Agreement”). If you do not agree, you must immediately discontinue use of the Website.

Your continued use constitutes acceptance of any future modifications.

2. Nature of Service

NoBill.ca is an independent marketing and lead generation platform.

We:

Do NOT provide insurance

Do NOT issue policies

Do NOT provide insurance advice

Do NOT act as an insurance broker or agent

Do NOT guarantee quotes, coverage, savings, or approval

We connect users with licensed third-party insurance professionals.

All insurance services are provided solely by independent third parties regulated under applicable provincial and federal laws.

3. No Professional Advice

All content on this Website is provided for general informational and marketing purposes only and does not constitute financial, legal, or insurance advice.

You should consult licensed professionals before making insurance decisions.

4. No Guarantees

We make no guarantees regarding:

Insurance rates

Coverage availability

Savings amounts

Approval outcomes

Response times

Any savings examples are illustrative only and not guaranteed.

5. User Representations

By submitting information, you represent that:

All information provided is true and accurate

You are the age of majority in your province

You have authority to submit the information

You consent to being contacted as described herein

You agree not to:

Submit false or fraudulent information

Attempt to disrupt or hack the Website

Use automated scraping systems

Misrepresent your identity

6. Third-Party Relationships

We are not responsible for:

The conduct of insurance brokers or providers

The accuracy of third-party quotes

Policy terms or underwriting decisions

Any disputes between you and third parties

Your relationship with insurance providers is solely between you and them.

7. Limitation of Liability

To the maximum extent permitted under applicable Canadian law:

NoBill.ca, its parent company, affiliates, officers, directors, employees, contractors, partners, and service providers shall not be liable for any:

Direct, indirect, incidental, special, punitive, or consequential damages

Loss of profits, data, goodwill, or opportunity

Errors, omissions, interruptions, or delays

Unauthorized access to your data

Decisions made based on third-party quotes

Disputes arising from insurance transactions

Use of this Website is at your sole risk.

8. Indemnification

You agree to indemnify and hold harmless NoBill.ca and its affiliates from any claims, liabilities, damages, losses, and expenses (including legal fees) arising from:

Your use of the Website

Your violation of this Agreement

Your submission of inaccurate or unlawful information

Your dealings with third-party providers

9. Disclaimer of Warranties

The Website is provided “AS IS” and “AS AVAILABLE.”

We expressly disclaim all warranties, including:

Merchantability

Fitness for a particular purpose

Non-infringement

Accuracy or reliability of information

Continuous or error-free access

10. Intellectual Property

All Website content, branding, trademarks, logos, text, graphics, and design are the property of NoBill.ca or its licensors.

Unauthorized reproduction or use is strictly prohibited.

11. Governing Law

This Agreement shall be governed by and interpreted in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein.

Any disputes shall be subject to the exclusive jurisdiction of the courts of Ontario.

12. Severability

If any provision of this Agreement is found unenforceable, the remaining provisions remain in full force and effect.

13. Changes to Terms

We reserve the right to update or modify this Agreement at any time without prior notice. Continued use constitutes acceptance of changes.

PART II — PRIVACY POLICY
1. Compliance with Canadian Privacy Law

We collect, use, and disclose personal information in accordance with:

PIPEDA (Personal Information Protection and Electronic Documents Act)

Applicable provincial privacy laws

2. Information We Collect

We may collect:

Name

Address

Postal code

Phone number

Email address

Vehicle details

Insurance history

IP address

Device/browser information

Usage data

Information is collected when voluntarily submitted or through automated technologies.

3. Purpose of Collection

We collect information to:

Connect you with licensed insurance providers

Facilitate quote requests

Improve website functionality

Conduct marketing analytics

Comply with legal obligations

4. Consent (Including CASL Compliance)

By submitting your information, you provide express consent to:

Receive phone calls (including automated dialing)

Receive SMS messages

Receive emails

Be contacted by third-party insurance providers

You may withdraw consent at any time.

5. Disclosure to Third Parties

Your information may be shared with:

Licensed insurance brokers and providers

Marketing and advertising partners

CRM platforms

Hosting providers

Analytics services

Legal authorities if required

We are not responsible for third-party privacy practices.

6. Cookies & Tracking

We use:

Cookies

Tracking pixels

Google Analytics or similar tools

Retargeting tools

These help improve marketing performance and user experience.

You may disable cookies in browser settings.

7. Data Storage & Cross-Border Transfers

Data may be stored or processed outside of Canada and may be subject to foreign laws.

8. Data Retention

We retain personal information only as long as reasonably necessary for business, legal, and compliance purposes.

9. Security

We use commercially reasonable safeguards.

However, no internet transmission is 100% secure. We cannot guarantee absolute security.

10. Access & Correction Rights

Under PIPEDA, you may request access to and correction of your personal information.


11. Children’s Privacy

We do not knowingly collect information from individuals under the age of majority.

12. Limitation of Privacy Liability

To the fullest extent permitted by law, NoBill.ca shall not be liable for:

Unauthorized access due to cyber events

Acts of third parties

Misuse of data after lawful disclosure

Technical failures beyond our control

13. Contact Information

For privacy inquiries:
Email: [email protected]