This Conditions of Use Agreement (this “Agreement”) establishes a legally binding relationship between You and Lowsurance (“Lowsurance”, “We”, “Our”, or “Us”) concerning your access and interaction with our website, including the content, information, and services offered through the Lowsurance platform, customer support channels, and social media outlets (collectively, the “Services”). Please read this Agreement carefully to understand the terms and conditions governing your use.
Scope and Applicability
This Agreement applies solely to the Lowsurance website and services. It does not extend to any other domain, subdomain, or portal associated with or linked to the primary Lowsurance site that may be operated by third parties, affiliates, or partners, even if links are provided.
Acceptance of Terms
By accessing or using the Lowsurance platform, you agree to comply with and be bound by this Agreement. Your continued use signifies acceptance of these terms. Please be aware that this Agreement includes disclaimers regarding warranties and limitations of liability that may impact you.
Overview of the Lowsurance Platform and Services
This Agreement covers all users engaging with the Lowsurance website through various communication methods such as chat, email, social media, phone, and messaging.
Lowsurance’s platform is designed to provide, quote, and manage insurance products, facilitating ongoing policy adjustments and claims support. We operate directly with various Canadian Insurance Companies.
You can obtain quotes, purchase policies, and make modifications online. All submitted information, including payment details, must be accurate and current. You affirm that all known facts relevant to premium calculation, risk assessment, and coverage decisions are disclosed. Your data is encrypted, securely stored, and transmitted only to authorized parties involved in service processing.
Certain insurance products or related services may be available only in specific regions or jurisdictions, and all offerings are made in compliance with applicable laws.
Descriptions provided on our site are summaries and do not encompass all terms, conditions, or exclusions. The actual policy documents govern the insurance coverage and related services. Should you have questions or need clarification, contact our support team.
If you lose access to your policy documentation, you can contact the insurer directly. All purchases are subject to underwriting eligibility criteria.
Customer Support and Data Collection
Our customer support team comprises licensed insurance professionals. Interactions are monitored and recorded for quality, training, and compliance purposes. Additional personal information may be required to assist you; by engaging with support, you consent to this data collection in accordance with our Privacy Policy.
Material Information and Responsibility
When requesting quotes or purchasing policies, you may be asked to provide material information—details about your vehicle, property, or other insurable interests. This information influences your quotes and coverage options. You are responsible for providing complete and accurate data at all times, including during policy renewal or when reporting changes. Inaccuracies may lead to policy cancellation, claim denial, or benefit forfeiture.
Your quote is valid until the end of the day it was generated and may vary over time due to factors such as changes to your driving record, policy options, or regulatory rate adjustments. Quotes are stored for 30 days for your convenience.
Privacy and Data Use
By using our services, you agree to our Privacy Notice, which describes how your personal data is collected, used, and protected.
Content Submission and Feedback
You may submit reviews, comments, or other content (“Content”) on the public portions of the site. By doing so, you grant us an unlimited, worldwide, royalty-free license to use, reproduce, modify, and distribute your Content in any format or media. You represent that you own or have rights to the Content and consent to its use by us and our affiliates.
Permitted and Restricted Use
All materials on the platform are for personal, non-commercial use unless explicitly authorized. You agree not to use the Services in ways that could harm the platform’s reputation, reverse engineer or tamper with the site, remove proprietary notices, overload systems, or violate applicable laws.
Communication Preferences
We may send you marketing communications, newsletters, and updates. You can opt out at any time.
Intellectual Property
All trademarks, logos, and proprietary information are owned by Lowsurance and its licensors. Unauthorized use or reproduction is prohibited.
External Links
Our site may contain links to third-party websites. We do not control or endorse these sites and disclaim liability for their content or privacy practices.
Warranties and Disclaimers
The Services are provided “as is” without warranties of any kind. We do not guarantee uninterrupted, error-free, or current service. We disclaim any liability for third-party products or conduct.
Liability Limitations
To the maximum extent permitted by law, Lowsurance and its affiliates are not liable for indirect, consequential, or incidental damages arising from your use of the Services. Our maximum liability for any claim is limited to CAD $10.
Indemnity
You agree to defend and hold harmless Lowsurance and its affiliates from claims, damages, or costs resulting from your breach of this Agreement, infringement of rights, or misconduct.
Dispute Resolution and Governing Law
This Agreement is governed by Ontario law. Any disputes will be resolved in Ontario courts.
Modifications
We may update this Agreement at any time. Changes are effective immediately upon posting. Continued use of the Services signifies acceptance of the updated terms.
Miscellaneous
This Agreement is intended for users within Canada of legal age. You agree not to impersonate others or violate laws. This document constitutes our entire agreement regarding your use of the platform. Currently, Services are only available in English.
Data Storage and Third-Party Providers
We may utilize third-party vendors for hosting and technology services, including outside Canada. For details, review our Privacy Policy or contact us.
Contact Information
Questions or concerns about these Terms? Reach us at:
info@lowsurance.com
or
Feedback
Lowsurance
123 Main Street, Suite 456
Toronto, ON M1A 2B3
Last Updated: July 3rd, 2025