Terms of Service

1. Acceptance of Terms

By accessing or using the website located at makemyrates.com (the “Site”) and any related services provided by MakeMyRates (“MakeMyRates”, “we”, “us”), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these terms, you must discontinue using the Site.

2. Nature of Our Platform & Important Disclaimers

Binding Coverage: Submitting a quote request on this Site does not constitute an offer of insurance, nor does it automatically bind coverage. Coverage is bound only upon successful completion of an underwriting application and direct policy issuance by a licensed insurance underwriter or carrier.

3. User Obligations & Accuracy of Information

Insurance premiums and policy eligibility in Ontario depend critically on the truthfulness and accuracy of the details provided. By using our forms, you represent and warrant that:

• All personal, vehicle, driving record, and property information provided is truthful, complete, and up-to-date.
• You are at least 16 years of age and legally permitted to hold an insurance policy in your jurisdiction.
• You will not submit false, misleading, fraudulent, or automated bot requests.

4. Intellectual Property

All content, graphics, logos, comparison layouts, calculators, and software code on MakeMyRates are the proprietary property of MakeMyRates and protected by Canadian and international copyright and trademark laws. You may not reproduce, scrape, mirror, or commercially exploit any content without express prior written consent.

5. Limitation of Liability

To the maximum extent permitted by applicable Canadian law, MakeMyRates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from the use of, or inability to use, this Site, including differences between estimated rates and final underwriter premiums, or decisions made based on informational articles.

6. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without giving effect to conflict of law principles. Any legal suit, action, or proceeding arising out of or related to these Terms shall be instituted exclusively in the courts of Ontario.

7. Contact Us

If you have any questions or feedback regarding these Terms of Service, please reach out to: