Terms & Conditions

Please read these Terms and Conditions carefully before using the InsurancePackagesDepot website or services. By accessing our website or purchasing a policy, you agree to be bound by these terms.

1. Acceptance of Terms

By using our website or services, you confirm that you are at least 18 years of age, have the legal capacity to enter into a binding agreement, and agree to comply with these Terms and Conditions.

2. Insurance Services

Affordable Insurance Online Insurance acts as a licensed insurance broker and/or insurer. All insurance products are subject to the terms, conditions, and exclusions outlined in the individual policy documents provided at the time of purchase. Online quotes are estimates only and are subject to underwriting approval.

3. Accuracy of Information

You are responsible for providing accurate and complete information when applying for insurance or filing a claim. Providing false or misleading information may result in policy cancellation, claim denial, and potential legal action.

4. Website Use

You agree not to:

• Use the website for any unlawful purpose
• Attempt to gain unauthorised access to any part of the website
• Transmit any harmful, offensive, or disruptive content
• Reproduce or distribute website content without written permission

5. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of Affordable Insurance Online Insurance and is protected by applicable copyright and trademark laws.

6. Limitation of Liability

Affordable Insurance Online Insurance shall not be liable for any indirect, incidental, or consequential damages arising from your use of our website or services. Our total liability shall not exceed the amount paid by you for the relevant insurance policy.

7. Policy Cancellation

You may cancel your policy at any time by contacting us. Cancellation terms, including any applicable refunds, are outlined in your individual policy documents. We reserve the right to cancel a policy for non-payment, misrepresentation, or material change in risk.

8. Governing Law

These Terms and Conditions are governed by 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.

9. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Continued use of our website or services after changes are posted constitutes acceptance of the updated terms.

10. Contact Us

For questions about these Terms and Conditions, please contact us at:

• Email: info@affordableinsuranceonline.online
• Phone: +1 888 875 0471
• Address: 66 Main St, Tonawanda, New York, United States