Last updated: November 11, 2026
These Terms of Service ("Terms") are an agreement between you and AdvisorPro ("AdvisorPro," "we," "us") about your use of this website, including its guides, articles, calculators and tools, and the service that lets you ask to be connected with a licensed insurance advisor (together, the "Site"). By using the Site, or by ticking the box when you send a request, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Site.
You must be at least the age of majority in your province or territory to send a request. If you are younger, a parent or guardian must use the Site for you.
AdvisorPro is an educational website and referral service. It is not an insurance broker, agent, adjuster or insurer. It does not sell insurance; give insurance, legal, tax, financial or other professional advice; provide quotes; recommend any insurer, product, price or advisor; or issue, bind, change, renew or administer any policy or claim. Nothing on the Site is an offer of insurance or a solicitation to buy it.
AdvisorPro does not charge the advisors in its network a referral fee, commission or any other payment for the requests it passes on. Its role is general education and, with your consent, passing your request to a licensed insurance advisor.
Articles, guides, examples and calculators on the Site are general information only. They do not take your personal circumstances into account and are not advice, a quotation or a recommendation. Insurance products, rules, regulations and prices differ by insurer, province and over time, and the information may be incomplete or out of date.
Calculators and estimators work only from the numbers and assumptions you enter. Their results are rough illustrations, not predictions, quotes or advice about how much cover you need or whether to make a claim, and they may contain errors. Do not rely on them to make a decision. Speak to a licensed advisor, and check the terms of your own policy, before you act.
You use the Site and everything on it at your own discretion and your own risk. You are responsible for your own decisions.
When you send a request and consent, we may pass it to one or more licensed insurance advisors, who may then contact you by phone, email or text. Sending a request does not create an obligation for you, does not start or guarantee coverage, and does not guarantee a quote, a reply, a particular advisor or any outcome. We do not guarantee how quickly, or whether, an advisor will contact you.
Coverage starts only when an insurer confirms it in writing. You can ask any advisor to stop contacting you at any time, and you can withdraw your consent to AdvisorPro as described in the Privacy Policy.
The advisors and insurers you deal with are independent of AdvisorPro. They are not our employees, partners or agents, and we do not supervise or control them. We refer requests only to advisors who hold the licence their work requires, and we check that before we refer requests to them. Licences can change, so we cannot guarantee an advisor's status at every moment, and we do not endorse, warrant or take responsibility for any advisor, insurer, product, quote, advice, service, application or claim. Any arrangement you make is between you and them, on their terms. You can check an advisor's licence with the regulator, for example RIBO or FSRA in Ontario.
Nothing in these Terms takes away any right you have against an advisor or insurer under the law, their licence or your contract with them.
When you use the Site you agree to:
The Site, its text, guides, tools, design, logos and other content belong to AdvisorPro or its licensors and are protected by copyright and other laws. You may view the Site and print or share individual pages for your own personal, non-commercial use, as long as you keep our notices and do not change them. You may not otherwise copy, republish, sell or build on the content without our written permission. If you send us feedback or suggestions, you allow us to use them freely without owing you anything.
The Site may link to or mention other websites, advisors, insurers, regulators or services. We do not control them, and a link or mention is not an endorsement. We are not responsible for their content, practices, availability or products.
To the fullest extent the law allows, the Site is provided "as is" and "as available," without promises of any kind, express or implied, including promises that it is accurate, complete, current, reliable, secure, always available, error-free, free of harmful components, or suitable for any purpose. We may change, suspend or remove any part of the Site, or limit access to it, at any time without notice.
In these Terms, the "AdvisorPro Parties" means AdvisorPro and its owners, operators, directors, officers, employees, contractors, volunteers, agents, affiliates, licensors, content contributors, service providers and everyone else involved in creating, running or delivering the Site, and their successors and assigns.
To the fullest extent the law allows, the AdvisorPro Parties are not liable to you or anyone else for any loss or damage of any kind arising out of or connected with the Site, including loss from your use of or reliance on, or inability to use, the Site, its content or its tools; the acts, omissions, advice, quotes, products or services of any advisor, insurer or other third party; a request that is not answered, is delayed, or does not lead to coverage or a claim being paid; errors, outages or interruptions; or the loss, interception or unauthorized access to information despite reasonable safeguards. This covers direct, indirect, incidental, special, consequential, exemplary and punitive damages and loss of profit, income, savings, data, coverage, opportunity or goodwill, however caused, and whether the claim is in contract, tort (including negligence), statute or any other theory, even if we were told it could happen.
If, despite this, an AdvisorPro Party is found liable to you, the total liability of all AdvisorPro Parties together will not exceed one hundred Canadian dollars (CAD $100). You agree this is reasonable because the Site is free to you.
You understand that insurance decisions can have significant financial consequences, and you choose to use the Site and to contact or deal with any advisor or insurer voluntarily and at your own risk. To the fullest extent the law allows, you release the AdvisorPro Parties from all claims, demands, losses and liabilities, known or unknown, that arise out of or relate to your use of the Site, your reliance on its content or tools, or your dealings with any advisor, insurer or other third party introduced or mentioned through the Site.
You agree to defend, indemnify and hold harmless the AdvisorPro Parties, and the advisors and insurers to whom your request is referred, from and against any claim, demand, loss, liability, damage, cost or expense, including reasonable legal fees, that arises out of or relates to your breach of these Terms, the information you submit (including its accuracy and your right to share it), your misuse of the Site, or your violation of any law or any person's rights. We may take over the defence of any matter you are indemnifying us for, and you agree to co-operate.
These Terms apply to the fullest extent the law allows. Some laws, including consumer protection laws and the Civil Code of Québec, do not allow certain rights to be waived or certain liability to be excluded or limited, for example liability for intentional or gross fault, or for bodily injury. Where that is the case, the part of these Terms that conflicts with those laws does not apply to you, and the rest continues to apply to the greatest extent permitted. Nothing in these Terms limits any right that cannot lawfully be limited.
We may refuse, suspend or end your access to the Site, or decline to pass on a request, at any time and for any reason, including if we believe you have broken these Terms or the law. Sections that by their nature should continue to apply after that, including sections 3, 9, 10, 11, 12, 13 and 15, will continue to apply.
These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada that apply there, without regard to conflict of laws rules. If you have a concern, please contact us first so we can try to resolve it informally. If a dispute cannot be resolved that way, the courts of Ontario have exclusive jurisdiction, except that where the law gives you the right to bring a claim in the courts where you live, for example as a consumer in Québec, you may do so.
These Terms and the Privacy Policy are the whole agreement between you and AdvisorPro about the Site and replace any earlier understanding. If a part of these Terms is found invalid or unenforceable, it will be applied as far as the law allows and the rest will stay in force. If we do not enforce a right, that is not a waiver of it. You may not transfer your rights under these Terms. We may transfer ours, for example in a sale or restructuring of AdvisorPro. We are not responsible for any failure or delay caused by events beyond our reasonable control.
We may change these Terms from time to time. The date at the top shows the latest version, and a change applies from the date it is posted. If you keep using the Site after a change, you accept the updated Terms. If you do not agree, please stop using the Site.
Questions about these Terms can be sent to hello@advisorpro.ca.