Terms of Service

1. Acceptance of Terms

By accessing and using H-Compare ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

These Terms of Service ("Terms") govern your use of our website and services operated by H-Compare ("us", "we", or "our").

2. Description of Service

H-Compare is a health insurance comparison platform that helps Canadian residents find and compare health insurance plans from various providers. Our service includes:

• Insurance plan comparison tools
• Quote generation and matching services
• Educational resources about health insurance
• Connection to licensed insurance providers

We are not an insurance provider and do not sell insurance products directly.

3. User Eligibility

To use our service, you must:

• Be at least 18 years of age
• Be a resident of Canada
• Provide accurate and complete information
• Comply with all applicable laws and regulations

4. User Responsibilities

You agree to:

• Provide accurate, current, and complete information
• Maintain the security of your account information
• Use the service only for lawful purposes
• Not interfere with or disrupt the service
• Not attempt to gain unauthorized access to our systems
• Not use automated systems to access our website

5. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the service, to understand our practices.

By using our service, you consent to the collection and use of your information as described in our Privacy Policy.

6. Insurance Information and Disclaimers

Important: The information provided on our website is for comparison purposes only and should not be considered as insurance advice.

• Insurance quotes are estimates and actual premiums may vary
• Coverage details are subject to policy terms and conditions
• We do not guarantee the accuracy of third-party information
• Final insurance decisions should be made with licensed professionals

7. Limitation of Liability

To the maximum extent permitted by law, H-Compare shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, data, or use
• Insurance claim denials or coverage issues
• Delays or errors in quote generation
• Third-party provider actions or inactions

Our total liability to you for any damages shall not exceed the amount you paid us for the service, if any.

8. Intellectual Property

The service and its original content, features, and functionality are and will remain the exclusive property of H-Compare and its licensors. The service is protected by copyright, trademark, and other laws.

You may not reproduce, distribute, modify, or create derivative works of our content without express written permission.

9. Third-Party Services

Our service may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of any third-party websites or services.

You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by your use of third-party services.

10. Service Availability

We strive to maintain continuous service availability but cannot guarantee uninterrupted access. The service may be temporarily unavailable due to:

• Scheduled maintenance
• Technical difficulties
• Third-party service interruptions
• Force majeure events

11. Termination

We may terminate or suspend your access to our service immediately, without prior notice, for any reason, including breach of these Terms.

Upon termination, your right to use the service will cease immediately.

12. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.

Your continued use of the service after any changes constitutes acceptance of the new Terms.

13. Governing Law

These Terms shall be interpreted and governed by the laws of Canada and the Province of Ontario, without regard to conflict of law provisions.

Any disputes arising from these Terms or your use of the service shall be subject to the exclusive jurisdiction of the courts of Ontario.

14. Contact Information

If you have any questions about these Terms of Service, please contact us: