Terms of Use

Terms of Use

1. Acceptance of Terms
By accessing or using the True North Insurance website, you agree to these Terms of Use and our Privacy Policy. If you do not agree, do not use the website. These Terms apply only to use of the website and do not replace the terms of any insurance policy, binder, application, or other written agreement.

2. Company Information
True North Insurance is a division of Oracle RMS Insurance Brokers, an insurance brokerage licensed in Ontario, Canada.

3. Eligibility and Permitted Use
You must have the legal capacity to use the website and request our services. You agree to use the website only for lawful purposes and not to interfere with its operation, security, or accessibility; submit false, misleading, fraudulent, or harmful information; or attempt unauthorized access to any system or information.

4. Insurance Disclaimer
Website content does not constitute an offer to sell insurance or confirmation that insurance is available. All applications and requests are subject to underwriting review and insurer approval. Insurance products are governed solely by the applicable policy wording and related documents. Coverage is not bound, amended, renewed, or cancelled through a website submission, voicemail, email, or other request until confirmed in writing by an authorized representative of True North Insurance or the insurer.

5. No Professional Advice
Website content is general information and is not a substitute for advice based on individual circumstances. Users should speak with a qualified insurance professional and, where appropriate, obtain independent legal, tax, or financial advice.

6. Accuracy and Availability
We aim to keep website information accurate and current but do not warrant that all content is complete, accurate, current, or error-free. We may change, suspend, or discontinue any part of the website without notice. Product availability, eligibility, pricing, and coverage vary and are subject to insurer rules and underwriting.

7. Intellectual Property
Unless otherwise stated, website content—including text, graphics, logos, images, layout, and software—is owned by or licensed to True North Insurance, Oracle RMS Insurance Brokers, or their content suppliers and is protected by applicable intellectual-property laws. Content may not be copied, modified, distributed, republished, or commercially exploited without prior written permission, except as permitted by law.

8. Privacy and Data
Our handling of personal information is described in the Privacy Policy above. By submitting information through the website, you acknowledge that it will be handled in accordance with that policy and any additional consent or collection notice presented to you.

9. Third-Party Links and Services
The website may contain links to third-party websites or services. Links are provided for convenience and do not necessarily constitute endorsement. We do not control and are not responsible for third-party content, availability, security, terms, or privacy practices.

10. Limitation of Liability
To the fullest extent permitted by applicable law, True North Insurance, Oracle RMS Insurance Brokers, and their affiliates, directors, officers, employees, representatives, and agents will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to use of, or inability to use, the website or reliance on its content. Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.

11. Indemnification
To the extent permitted by law, you agree to indemnify and hold harmless True North Insurance, Oracle RMS Insurance Brokers, and their respective affiliates, directors, officers, employees, representatives, and agents from claims, losses, liabilities, costs, and expenses arising from your unlawful use of the website, your violation of these Terms, or your infringement of another person’s rights.

12. Suspension or Termination
We may restrict, suspend, or terminate access to the website where reasonably necessary, including in response to misuse, a security concern, a legal requirement, or a breach of these Terms.

13. Governing Law
These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in Ontario. Subject to applicable consumer-protection law, disputes relating to these Terms or the website will be submitted to the courts of Ontario.

14. Severability
If any provision of these Terms is found invalid or unenforceable, the remaining provisions will continue in effect, and the affected provision will be interpreted or limited to the minimum extent necessary to make it enforceable where possible.

15. Changes to These Terms
We may update these Terms periodically. The revised Terms will be posted on the website with an updated date and will take effect when posted unless otherwise stated.

16. Contact Information
Questions about these Terms may be directed to:
Email: info@truenorthbrokers.ca
Phone: (705) 937-TRUE (8783)