Terms and Conditions
Introduction
Welcome to Estate Nest Inc Brokerage (“Estate Nest Inc,” “we,” “us,” “I,” and/or “our” as used in these Terms of Service). We provide insurance quote comparison, insurance advisory tools, and other related services (the “Services”). The definition of “Site” includes any and all related webpages and access to any optimized version of our Site via a computer, wireless device, our online services, mobile services, and software. These Terms of Service (“Terms”) govern your access to and use of the Site, including without limitation the application for, and purchase of, any insurance policy through us and our subsidiaries, affiliates, and representatives. These Terms are legally binding between you, the person accessing or using this Site, your duly authorized representatives, and any entity you may represent in connection with your use of the Services and Estate Nest Inc.
Estate Nest Inc is a licensed life insurance brokerage in Ontario and Alberta. We are governed by the Financial Services Regulatory Authority of Ontario (“FSRA”) and the Alberta Insurance Council (“AIC”) in respective provinces. We offer personalized insurance advice to our Site visitors by providing digital tools that help assess insurance needs and suggest appropriate insurance products.
Our advice is based on information provided by Site visitors, third-party tools, data feeds, open-source platforms, and partner data. We are not an insurance company; instead, as a licensed insurance brokerage, we provide recommendations and facilitate the purchase of life and related insurance products from a broad set of insurance companies licensed to sell insurance in your province. We strongly advise consulting a certified financial planner and your chartered professional accountant for detailed advice on your financial situation and taxation guidelines.
Acceptance of Terms
By using this Website (www.estatenest.ca), you fully agree to accept and comply with all terms and conditions stated herein. If you disagree with any of these Terms, you must not use the Website. Minors or individuals below 18 years of age are not permitted to use this Website. If such usage is discovered, we request parents, guardians, or any supervising adult to immediately ensure the minors cease accessing the Website.
Intellectual Property Rights
Other than content you own, Estate Nest Inc (www.estatenest.ca) and/or its licensors own all intellectual property rights and materials contained on this Website. You are granted a limited license solely for purposes of viewing the material on this Website.
Restrictions
You are explicitly restricted from:
- Republishing Website material in any other media.
- Selling, sublicensing, and/or commercializing any Website material.
- Publicly presenting and/or displaying any Website material.
- Using the Website in ways that may harm the Website or impair user access.
- Using the Website contrary to applicable laws and regulations.
- Engaging in data mining, data harvesting, or similar activities.
- Using the Website for unauthorized advertising or marketing.
Certain areas of the Website are restricted from access, and Estate Nest Inc may further restrict your access at its discretion. You must respect Canadian privacy laws and Anti-Spam Legislation (“CASL”) and adhere to these regulations. Non-compliance may result in immediate termination of access.
Services Provided
The Services we provide include:
- Obtaining Quotes: We provide insurance quotes for requested products issued by life insurance companies in Canada with whom we are contracted. Quotes can be saved for future access.
- Comparing Policies: Tools and summarized information to help compare policies and quotes from Canadian insurance companies.
- Reviewing Insurance Needs: Informational tools that provide recommendations based on client-provided information. Clients are assumed to provide truthful and accurate details.
- Proprietary Content: Informational material designed to educate about insurance products.
- Buying Insurance Products: Facilitation of the purchase of life and related insurance products through licensed brokers.
User-Submitted Content
By submitting content (audio, video, text, images, etc.) on the Website, you grant Estate Nest Inc a non-exclusive, worldwide, irrevocable, sublicensable license to use, reproduce, adapt, publish, translate, and distribute it in any media. All submitted content must be original and not infringe on third-party rights. Estate Nest Inc reserves the right to remove user-submitted content at any time without notice.
No Warranties
The Website and its materials are provided “as is,” with all faults. Estate Nest Inc makes no representations or warranties regarding the accuracy, completeness, or reliability of the Website or its content. The Website does not constitute financial, tax, or estate planning advice. Clients are encouraged to consult certified professionals for such matters.
Voluntary Information
If you submit voluntary information (e.g., comments, ideas, designs), it will be considered non-confidential and non-proprietary. By submitting such information, you grant Estate Nest Inc and its partners the irrevocable right to use, reproduce, publish, and distribute the material for any purpose. By submitting, you agree to these Terms, including limitations of liability.
Communication
Electronic communication may be sent to the primary email address you provide. Filling out forms on the Website constitutes written consent for Estate Nest Inc to contact you electronically. Users may unsubscribe from communications by following the instructions provided in emails.
Website Security
We maintain commercially reasonable safeguards to protect user data. In the event of a security breach, affected individuals will be notified as required by applicable laws.
Virus Disclaimer
We do not guarantee the Website is free of viruses or harmful materials. Users are responsible for implementing appropriate virus protection software.
Complaints
If you are dissatisfied with our services, please contact customer service at hello@estatenest.ca. We aim to resolve all complaints in a fair and timely manner.
