JUST COMPARE FINANCIAL COMPARISON LTD.

TERMS OF USE

JUST COMPARE FINANCIAL COMPARISON LTD. (“JUSTCOMPARE” / “WE” / “US”) OWNS AND OPERATES THE WEBSITE LOCATED AT WWW.JUSTCOMPARE.CA (“WEBSITE”). THESE TERMS OF USE APPLY TO ALL USERS OF THE WEBSITE, INCLUDING USERS WHO UPLOAD ANY MATERIALS TO THE WEBSITE, USERS WHO USE SERVICES PROVIDED THROUGH THIS WEBSITE AND USERS WHO SIMPLY VIEW THE CONTENT ON OR AVAILABLE THROUGH THIS WEBSITE (“USERS”/ “YOU”).

THESE TERMS OF USE ALSO APPLY TO ANY THIRD PARTY WEBSITE OR SERVICE, SUCH AS A PARTNER BLOG OR SOCIAL MEDIA PLATFORM THAT HOSTS JUSTCOMPARE CONTENT (SUCH AS THE JUSTCOMPARE FACEBOOK PAGE). BY USING THIS WEBSITE AND/OR SERVICE (DEFINED BELOW), YOU INDICATE YOUR ACCEPTANCE OF THESE TERMS OF USE. IF YOU DO NOT ACCEPT THESE TERMS OF USE, THEN DO NOT USE THE WEBSITE OR ANY OF ITS CONTENT OR SERVICES. THESE TERMS OF USE MAY BE AMENDED OR UPDATED BY JUSTCOMPARE FROM TIME TO TIME WITHOUT NOTICE AND THE TERMS OF USE MAY HAVE CHANGED SINCE YOUR LAST VISIT TO THIS WEBSITE.

IT IS YOUR RESPONSIBILITY TO REVIEW THESE TERMS OF USE FOR ANY CHANGES. YOUR USE AFTER ANY AMENDMENTS OR UPDATES OF THESE TERMS OF USE SHALL SIGNIFY YOUR ASSENT TO AND ACCEPTANCE OF SUCH REVISED TERMS. ANY NEW FEATURES THAT MAY BE ADDED TO THIS WEBSITE FROM TIME TO TIME WILL BE SUBJECT TO THESE TERMS OF USE, UNLESS STATED OTHERWISE. YOU SHOULD VISIT THIS PAGE PERIODICALLY TO REVIEW THESE TERMS OF USE. IN ORDER TO USE CERTAIN FEATURES OF THE WEBSITE, YOU MAY BE REQUIRED TO PROVIDE CERTAIN PERSONAL INFORMATION.

ALL PERSONAL INFORMATION YOU PROVIDE TO US WILL BE TREATED IN ACCORDANCE WITH THE TERMS OF OUR PRIVACY POLICY, WHICH IS HEREBY INCORPORATED INTO THESE TERMS OF USE.

1) GENERAL TERMS OF USE

  1. GENERAL: ACCESS TO AND USE OF THIS WEBSITE IS SUBJECT TO THESE TERMS OF USE AND OUR PRIVACY POLICY. BY ACCESSING AND USING THIS WEBSITE YOU AGREE TO BE BOUND BY AND TO ACT IN ACCORDANCE WITH THESE TERMS OF USE AND OUR PRIVACY POLICY. IF YOU DO NOT AGREE TO THESE TERMS OF USE OR OUR PRIVACY POLICY, YOU ARE NOT PERMITTED TO ACCESS AND USE THIS WEBSITE AND YOU SHOULD CEASE SUCH ACCESS AND/OR USE IMMEDIATELY. IF YOU BREACH ANY TERM OF THESE TERMS OF USE, YOUR RIGHT TO ACCESS AND USE THIS WEBSITE SHALL CEASE IMMEDIATELY.
    1. WE RESERVE THE RIGHT TO AMEND THESE TERMS OF USE FROM TIME TO TIME WITHOUT NOTICE BY AMENDING THIS PAGE. THE AMENDED TERMS OF USE WILL BE EFFECTIVE FROM THE DATE THEY ARE POSTED ON THIS WEBSITE. AS THESE TERMS OF USE MAY BE AMENDED FROM TIME TO TIME, YOU SHOULD CHECK THEM WHENEVER YOU VISIT THIS WEBSITE. YOUR CONTINUED USE OF THIS WEBSITE WILL CONSTITUTE YOUR ACCEPTANCE OF THE AMENDED TERMS OF USE.

  2. THE SERVICE: JUSTCOMPARE PROVIDE AN INDEPENDENT ONLINE SERVICE WHICH ENABLES YOU TO RESEARCH AND COMPARE INSURANCE, FINANCIAL AND OTHER PRODUCTS OR SERVICES PROVIDED BY THIRD PARTIES WHILST USING THIS WEBSITE. OUR COMPARISON SERVICE IS FREE FOR YOU TO USE. WE RECEIVE A FEE AND/OR COMMISSION FROM THE THIRD PARTY PRODUCT OR SERVICE PROVIDERS WHEN YOU USE OUR SERVICE TO PURCHASE PRODUCTS OR SERVICES FROM THEM (COLLECTIVELY, “FINANCIAL PRODUCTS”). IN ADDITION, THERE ARE CERTAIN FINANCIAL PRODUCTS LISTED ON THE WEBSITE FOR WHICH WE DO NOT HAVE ACCESS TO DETAILED INFORMATION ABOUT FEATURES AND BENEFITS. FOR SUCH PRODUCTS, YOU CAN SUBMIT YOUR CONTACT INFORMATION AND WE WILL FORWARD YOUR INFORMATION AND REQUEST DIRECTLY TO THE THIRD PARTY FINANCIAL PRODUCTS PROVIDER OR BROKER (“VENDOR”), WHO WILL CONTACT YOU WITH MORE INFORMATION ABOUT THE REQUESTED FINANCIAL PRODUCT (THE “SERVICES”).

  3. PLEASE BE AWARE THAT NOTHING ON THIS WEBSITE IS, OR SHALL BE DEEMED TO CONSTITUTE, FINANCIAL, INVESTMENT OR OTHER ADVICE OR A RECOMMENDATION OR ENDORSEMENT BY US IN RESPECT OF ANY PRODUCT OR SERVICE REFERRED TO ON THIS WEBSITE. INFORMATION ON THIS WEBSITE IS PROVIDED FOR GENERAL INFORMATION PURPOSES ONLY, SHOULD NOT BE RELIED UPON BY YOU AND IS PROVIDED SO THAT YOU CAN SELECT THE PRODUCT OR SERVICE THAT YOU FEEL IS MOST APPROPRIATE TO MEET YOUR NEEDS. YOU SHOULD ALWAYS CHECK THE SUITABILITY, ADEQUACY AND APPROPRIATENESS OF THE PRODUCT OR SERVICE THAT IS OF INTEREST TO YOU AND IT IS YOUR SOLE DECISION WHETHER TO OBTAIN OR REFRAIN FROM OBTAINING ANY PRODUCT OR SERVICE. IF YOU ARE IN ANY DOUBT AS TO THE SUITABILITY, ADEQUACY OR APPROPRIATENESS OF ANY PRODUCT OR SERVICE REFERRED TO ON THIS WEBSITE, WE SUGGEST THAT YOU SEEK INDEPENDENT PROFESSIONAL ADVICE BEFORE YOU OBTAIN ANY PRODUCT OR SERVICE VIA THIS WEBSITE.

  4. PLEASE BE AWARE THAT NOTHING ON THIS WEBSITE IS, OR SHALL BE DEEMED TO CONSTITUTE, AN OFFER BY US OR ANY THIRD PARTY TO SELL TO YOU ANY PRODUCT OR SERVICE OR TO ENTER INTO ANY CONTRACT WITH YOU IN RESPECT OF ANY PRODUCT OR SERVICE. BY SUBMITTING YOUR DETAILS, YOU ARE MAKING AN OFFER TO OBTAIN THE RELEVANT PRODUCT OR SERVICE FROM THE RELEVANT THIRD PARTY ON ITS TERMS AND CONDITIONS THAT MAY BE ACCEPTED OR REJECTED. THE CONTRACT FOR THE PRODUCT OR SERVICE WILL ONLY BE CONCLUDED ONCE YOUR OFFER HAS BEEN ACCEPTED. YOU WILL RECEIVE CONFIRMATION WHEN YOUR OFFER HAS BEEN ACCEPTED.

  5. JUSTCOMPARE AIM TO PROVIDE UNINTERRUPTED ACCESS TO THIS WEBSITE BUT WE GIVE NO WARRANTY AS TO THE UNINTERRUPTED AVAILABILITY OF THIS WEBSITE. WE RESERVE THE RIGHT TO SUSPEND, RESTRICT OR TERMINATE YOUR ACCESS TO THIS WEBSITE AT ANY TIME.

  6. JUSTCOMPARE RESERVE THE RIGHT TO ADD, AMEND, DELETE, EDIT, REMOVE OR MODIFY ANY INFORMATION, CONTENT, MATERIAL OR DATA DISPLAYED ON THIS WEBSITE AND WITHOUT NOTICE FROM TIME TO TIME.

2) FINANCIAL PRODUCTS DISCLAIMER

FINANCIAL PRODUCTS DISCLAIMER: JUSTCOMPARE IS AN INDEPENDENT COMPARISON SITE THAT RECEIVES ALL FINANCIAL PRODUCT DATA THROUGH TWO ROUTES. ONE IS DIRECTLY FROM THE PRODUCT PROVIDER (LENDER, BANK, CREDIT UNION, SPECIALIST). THE OTHER DATA PROVIDER IS CANNEX FINANCIAL EXCHANGES LIMITED. WE DO NOT PROVIDE ADVICE OR RECOMMEND ANY PRODUCT AND/OR PROVIDER. OUR SERVICE SOLELY TAKES THE CUSTOMERS INFORMATION, ALIGN THAT WITH EACH PROVIDER AND SEE HOW CLOSELY CUSTOMERS MATCH THE ELIGIBILITY REQUIREMENTS OF THE PROVIDERS AND UNDERSTAND HOW LIKELY THEY ARE TO ACCEPT THE CUSTOMER. THERE WILL BE TIMES WHERE PROVIDERS PAY FOR ADVERTISING AND AT THOSE TIME, WE WILL BE CLEAR IN THE AD, THAT IT IS A PAID ADVERTISEMENT SO CUSTOMERS ARE CLEAR THAT WE ARE NOT ADVOCATING THAT ADVERTISEMENT BUT WE WERE PAID TO PROMOTE THE PROVIDERS MESSAGE FOR A PERIOD OF TIME.

3) SERVICE DISCLAIMER

SERVICE DISCLAIMER: BY USING THE SERVICES, YOU UNDERSTAND AND ACKNOWLEDGE THAT JUSTCOMPARE PROVIDES A PLATFORM FOR USERS TO GET INFORMATION ON AND COMPARE THIRD PARTY FINANCIAL PRODUCTS. JUSTCOMPARE IS NOT A PROVIDER. THE INFORMATION PROVIDED ON THE WEBSITE IS PROVIDED FOR INFORMATION PURPOSES ONLY AND IS NOT AND SHOULD NOT BE CONSTRUED AS FINANCIAL ADVICE OR ANY OTHER KIND OF ADVICE. JUSTCOMPARE MAKES NO REPRESENTATIONS OR WARRANTIES ABOUT THE ACCURACY OF ANY INFORMATION CONTAINED ON THE WEBSITE, AND SHALL NOT BE RESPONSIBLE FOR ANY INACCURACIES, MISREPRESENTATIONS, ERRORS OR OMISSIONS IN THE INFORMATION PROVIDED THEREIN, AND SOME INFORMATION MAY NOT ALWAYS BE UP TO DATE. ADDITIONALLY, SOME OF THE INFORMATION ABOUT CERTAIN FINANCIAL PRODUCTS APPEARING ON THE WEBSITE IS PROVIDED DIRECTLY BY VENDORS, NOT BY JUSTCOMPARE (“VENDOR CONTENT”). AS BETWEEN JUSTCOMPARE AND VENDOR, VENDORS ARE EXCLUSIVELY RESPONSIBLE FOR VENDOR CONTENT, AND JUSTCOMPARE SHALL NOT BE RESPONSIBLE FOR ANY VENDOR CONTENT OR FOR ANY INACCURACIES IN ANY VENDOR CONTENT OR ANY LOSSES, CLAIMS, EXPENSES, DAMAGES, OR LIABILITIES THAT ARISE AS A RESULT OF ANY VENDOR CONTENT. USERS ARE STRONGLY ENCOURAGED TO USE COMMON SENSE AND DISCRETION AND TO DO THEIR OWN RESEARCH BEFORE RELYING ON ANY OF THE INFORMATION PROVIDED BY THE WEBSITE, AND TO CONSULT AN INDEPENDENT COMPETENT PROFESSIONAL (SUCH AS, WITHOUT LIMITATION, AN ACCOUNTANT, REAL ESTATE AGENT, MORTGAGE BROKER, INSURANCE BROKER, OR LAWYER) BEFORE TRANSACTING WITH ANY VENDOR FOR ANY FINANCIAL PRODUCT. WE ARE NOT RESPONSIBLE FOR ANY ADVICE PROVIDED BY ANY PROFESSIONAL YOU CONSULT, NOR ARE WE RESPONSIBLE FOR THE ACTS OR OMISSIONS OF ANY VENDOR OR USER OR FOR ANY ACTUAL, FAILED, PROPOSED OR DISCUSSED TRANSACTION FOLLOWING YOUR USE OF THE SERVICES OR ANY OTHER DECISIONS YOU MAKE AS A RESULT OF USING THE WEBSITE AND/OR SERVICES. USERS HEREBY UNDERSTAND AND AGREE TO USE THE INFORMATION CONTAINED ON THIS WEBSITE AT THEIR OWN RISK.

4) REGISTRATION

REGISTRATION. YOU MAY COMPLETE A REGISTRATION PROCESS AS PART OF YOUR USE OF THIS WEBSITE WHICH MAY INCLUDE THE CREATION OF A USERNAME, PASSWORD AND/OR OTHER IDENTIFICATION INFORMATION. ANY USERNAME, PASSWORD AND/OR OTHER IDENTIFICATION INFORMATION MUST BE KEPT CONFIDENTIAL BY YOU AND MUST NOT BE DISCLOSED TO, OR SHARED WITH, ANYONE. WHERE YOU DO DISCLOSE TO OR SHARE WITH ANYONE YOUR USERNAME, PASSWORD AND/OR OTHER IDENTIFICATION INFORMATION, YOU ARE SOLELY RESPONSIBLE FOR ALL ACTIVITIES UNDERTAKEN ON THIS WEBSITE USING YOUR USERNAME, PASSWORD AND/OR OTHER IDENTIFICATION INFORMATION.

  1. YOU MUST CHECK AND ENSURE THAT ALL INFORMATION, CONTENT, MATERIAL OR DATA YOU PROVIDE ON THIS WEBSITE IS CORRECT, COMPLETE, ACCURATE AND NOT MISLEADING AND THAT YOU DISCLOSE ALL RELEVANT FACTS. WE DO NOT ACCEPT ANY RESPONSIBILITY OR LIABILITY FOR ANY LOSS OR DAMAGE YOU MAY SUFFER OR INCUR IF ANY INFORMATION, CONTENT, MATERIAL OR DATA YOU PROVIDE ON THIS WEBSITE IS NOT CORRECT, COMPLETE AND ACCURATE OR IF IT IS MISLEADING OR IF YOU FAIL TO DISCLOSE ALL RELEVANT FACTS.

  2. BEFORE YOU OBTAIN ANY PRODUCT OR SERVICE FROM A THIRD PARTY, YOU MUST CHECK ALL OF THE INFORMATION, CONTENT, MATERIAL OR DATA HELD BY THE THIRD PARTY ABOUT YOU TO ENSURE IT IS CORRECT, COMPLETE, ACCURATE AND NOT MISLEADING AND THAT YOU HAVE DISCLOSED ALL RELEVANT FACTS. IT IS YOUR RESPONSIBILITY TO IDENTIFY AND CORRECT ANY MISTAKES OR ERRORS IN THE INFORMATION, CONTENT, MATERIAL OR DATA HELD BY THE THIRD PARTY ABOUT YOU BEFORE YOU OBTAIN ANY PRODUCT OR SERVICE. FAILURE TO DO SO COULD INVALIDATE THE PRODUCT OR SERVICE PROVIDED BY THE THIRD PARTY. WE DO NOT ACCEPT ANY RESPONSIBILITY OR LIABILITY FOR ANY LOSS OR DAMAGE YOU MAY SUFFER OR INCUR IF ANY INFORMATION, CONTENT, MATERIAL OR DATA HELD BY THE THIRD PARTY ABOUT YOU IS NOT CORRECT, COMPLETE AND ACCURATE OR IF IT IS MISLEADING OR IF YOU HAVE FAILED TO DISCLOSE ALL RELEVANT FACTS.

  3. YOU MUST GET PERMISSION FROM ANY OTHER PERSON ABOUT WHOM YOU PROPOSE TO PROVIDE INFORMATION BEFORE YOU PROVIDE IT. IN SUBMITTING ANY OTHER PERSON’S DETAILS, YOU ARE CONFIRMING TO US THAT YOU HAVE THEIR PERMISSION TO DO SO AND THAT THEY UNDERSTAND HOW THEIR DETAILS WILL BE USED.


5) DATA RETENTION

DATA RETENTION: WE HAVE POLICIES IN PLACE THAT GOVERN THE RETENTION OF YOUR PERSONAL INFORMATION SO IT WILL BE KEPT ONLY FOR AS LONG AS REASONABLY NECESSARY TO FULFILL ITS INTENDED PURPOSE OR TO SATISFY LEGAL REQUIREMENTS.

6) IDENTIFYING PURPOSES

IDENTIFYING PURPOSES: WHEN WE COLLECT YOUR PERSONAL INFORMATION, WE MAY USE OR DISCLOSE IT TO:

  • VERIFY YOUR IDENTITY;
  • PROVIDE AND MANAGE PRODUCTS AND SERVICES YOU HAVE REQUESTED;
  • UNDERSTAND YOUR FINANCIAL SERVICES REQUIREMENTS;
  • PROTECT AGAINST FRAUD AND MANAGE RISK;
  • DETERMINE SUITABILITY OF PRODUCTS AND SERVICES FOR YOU;
  • BETTER MANAGE YOUR RELATIONSHIP WITH US;
  • DETERMINE YOUR ELIGIBILITY FOR CERTAIN OF PRODUCTS AND SERVICES OF OUR PARTNER NETWORK;
  • COMPLY WITH LEGAL OR REGULATORY REQUIREMENTS, OR AS OTHERWISE PERMITTED BY LAW;
  • COMMUNICATE WITH YOU REGARDING PRODUCTS AND SERVICES THAT MAY BE OF INTEREST;
  • UNDERSTAND OUR CUSTOMERS AND TO DEVELOP AND TAILOR OUR PRODUCTS AND SERVICES, AND RESPOND TO ANY QUESTIONS YOU MAY HAVE.
IF A NEW PURPOSE FOR USING YOUR PERSONAL INFORMATION DEVELOPS, WE WILL IDENTIFY THAT PURPOSE.

7) LIMITED USE AND DISCLOSURE

LIMITED USE AND DISCLOSURE: WE WILL ONLY USE OR DISCLOSE YOUR PERSONAL INFORMATION FOR THE PURPOSE(S) IT WAS COLLECTED AND AS OTHERWISE IDENTIFIED IN THESE TERMS AND CONDITIONS. PERSONAL INFORMATION MAY BE RELEASED TO THIRD PARTIES INCLUDING LEGAL OR REGULATORY AUTHORITIES IN CASES OF SUSPECTED CRIMINAL ACTIVITY OR CONTRAVENTION OF LAW, FOR THE DETECTION AND PREVENTION OF FRAUD, OR WHEN REQUIRED TO SATISFY THE LEGAL OR REGULATORY REQUIREMENTS OF GOVERNMENTS, REGULATORY AUTHORITIES OR OTHER SELF-REGULATORY ORGANIZATIONS, OR TO COMPLY WITH A COURT ORDER OR FOR THE PROTECTION OF OUR ASSETS (FOR EXAMPLE, COLLECTION OF OVERDUE ACCOUNTS).

WE MAY SHARE YOUR PERSONAL INFORMATION WITH OUR PARTNER FIRMS, FOR LEGAL AND REGULATORY PURPOSES, TO MANAGE CREDIT RISK AND OTHER BUSINESS RISKS, TO PERFORM ANALYTICS, TO ENSURE WE HAVE CORRECT OR UP TO DATE INFORMATION ABOUT YOU (SUCH AS YOUR CURRENT ADDRESS OR DATE OF BIRTH) AND TO BETTER MANAGE YOUR RELATIONSHIP WITH US.

WE MAY SHARE YOUR PERSONAL INFORMATION WITHIN JUST COMPARE FINANCIAL COMPARISON LTD. FOR THE PURPOSE OF MARKETING, SO THAT WE CAN OFFER YOU A BROADER RANGE OF PRODUCT AND SERVICE SOLUTIONS TO MEET YOUR NEEDS. YOU MAY WITHDRAW YOUR CONSENT TO THIS USE OF YOUR PERSONAL INFORMATION WE DO NOT SELL THE NAMES OR OTHER PERSONAL INFORMATION OF OUR CUSTOMERS. WE DO NOT DISCLOSE THE NAMES OR OTHER PERSONAL INFORMATION OF OUR CUSTOMERS TO OTHER COMPANIES OUTSIDE OF JUST COMPARE FINANCIAL COMPARISON LTD. WITHOUT CONSENT UNLESS REQUIRED OR PERMITTED BY LAW. WE WILL COLLECT CONSENT TO SHARE PERSONAL INFORMATION WITH OUR PARTNER NETWORK WHEN A USER SELECTS AN OFFER FROM A PARTNER FIRM.

OVER TIME, WE MAY BUY NEW BUSINESSES OR SELL SOME OF OUR BUSINESSES. ACCORDINGLY, PERSONAL INFORMATION ASSOCIATED WITH ANY ACCOUNTS, PRODUCTS OR SERVICES OF THE BUSINESS BEING PURCHASED OR SOLD WILL BE TRANSFERRED AS A BUSINESS ASSET TO THE NEW BUSINESS OWNER. WE MAY ALSO TRANSFER PERSONAL INFORMATION AS PART OF A CORPORATE REORGANIZATION OR OTHER CHANGE IN CORPORATE CONTROL.

WE MAY USE AFFILIATES OR OTHER COMPANIES TO PROVIDE SERVICES ON OUR BEHALF SUCH AS DATA PROCESSING, ACCOUNT ADMINISTRATION, ANALYTICS AND MARKETING. SUCH COMPANIES WILL BE GIVEN ONLY THE PERSONAL INFORMATION NEEDED TO PERFORM THOSE SERVICES AND WE DO NOT AUTHORIZE THEM TO USE OR DISCLOSE PERSONAL INFORMATION FOR THEIR OWN MARKETING OR OTHER PURPOSES. WE HAVE CONTRACTS IN PLACE HOLDING THESE COMPANIES TO THE SAME STANDARDS OF CONFIDENTIALITY BY WHICH WE ARE GOVERNED. IN SOME CASES, THESE OTHER COMPANIES MAY BE LOCATED OUTSIDE OF CANADA (SUCH AS IN THE UNITED STATES) AND MAY BE REQUIRED TO DISCLOSE INFORMATION TO COURTS, GOVERNMENT AUTHORITIES, REGULATORS OR LAW ENFORCEMENT IN ACCORDANCE WITH APPLICABLE LAW IN THAT COUNTRY.

8) LIMITED COLLECTION

LIMITED COLLECTION: WE ONLY COLLECT THE PERSONAL INFORMATION THAT WE DETERMINE WE NEED FOR THE PURPOSES OF IDENTIFYING PURPOSES (TERMS AND POLICY #6).

FOR EXAMPLE, WE MAY COLLECT:

CONTACT INFORMATION INCLUDING ADDRESS, TELEPHONE NUMBER AND EMAIL ADDRESS. SOCIAL INSURANCE NUMBER (SIN) AS REQUIRED IN ORDER TO COMPLY WITH REGULATORY REPORTING REQUIREMENTS. YOU MAY PROVIDE YOUR SIN TO ENSURE AN ACCURATE MATCH BETWEEN YOUR PERSONAL INFORMATION AND CREDIT BUREAU INFORMATION AND TO HELP US DIFFERENTIATE CUSTOMERS WHO MAY HAVE THE SAME OR SIMILAR NAME.

FINANCIAL INFORMATION TO ENSURE THAT THE ADVICE AND/OR PRODUCTS WE PROVIDE YOU ARE APPROPRIATE FOR YOU AND THE INVESTMENTS YOU PURCHASE ARE SUITABLE FOR YOU.

DEVICE INFORMATION SUCH AS INFORMATION ABOUT YOUR OPERATING SYSTEM, BROWSER, SOFTWARE APPLICATIONS, IP ADDRESS, GEOLOCATION, SECURITY STATUS AND OTHER DEVICE INFORMATION IN ORDER TO IMPROVE YOUR EXPERIENCE, TO PROTECT AGAINST FRAUD AND MANAGE RISK.

WEBSITE USE INFORMATION SUCH AS BROWSING BEHAVIOR ON JUST COMPARE FINANCIAL INFORMATION LTD. SITES AND LINKS, LOCATION YOU CLICK, FORM DATA AND DOWNLOADS AS WELL AS OTHER DATA GATHERED FROM THE USE OF WEB TOOLS (FOR EXAMPLE, COOKIES, WEB BEACONS, TAGGING) TO BETTER UNDERSTAND YOUR INTERESTS AND NEEDS SO THAT WE CAN SERVE YOU BETTER. FOR MORE INFORMATION, SEE OUR USE OF WEB TOOLS SECTION.

EMPLOYMENT INFORMATION, INCLUDING INFORMATION ABOUT YOUR PREVIOUS AND CURRENT EMPLOYERS, TO CONFIRM YOUR ELIGIBILITY FOR CERTAIN PRODUCTS AND SERVICES.

WE MAY COLLECT PERSONAL INFORMATION ABOUT YOU FROM YOU AND FROM THIRD PARTIES OR SOURCES THAT ARE AVAILABLE TO THE PUBLIC TO SATISFY LEGAL REQUIREMENTS OR REGULATORY EXPECTATIONS OR TO MANAGE OUR RISK AND TO HELP US UNDERSTAND OUR CUSTOMERS IN ORDER TO DEVELOP AND TAILOR OUR PRODUCT AND SERVICE OFFERINGS.

YOU CAN CHOOSE NOT TO PROVIDE US WITH CERTAIN INFORMATION IN SOME SITUATIONS, BUT IF YOU MAKE THIS CHOICE, WE MAY NOT BE ABLE TO PROVIDE YOU WITH THE PRODUCT, SERVICE, OR INFORMATION YOU REQUEST.

9) SECURE OFFER

SECURE OFFER: ONCE A COMPARISON RESULT HAS BEEN POPULATED AND AN OFFER FROM A PROVIDER IS CHOSEN, YOU WILL BE ASKED TO SET A TIME FOR THE PROVIDER TO CONTACT YOU TO COMPLETE THE APPLICATION FOR THE PRODUCT OFFER YOU ARE INTERESTED IN. THE ONLINE FORM YOU HAVE FILLED OUT AND THE SOFT SEARCH RESULTS WE HAVE CAPTURED WILL BE PROVIDED TO THE CHOSEN PROVIDER TO INCORPORATE WITHIN YOUR APPLICATION WITH THEM. IT IS CRUCIAL THAT THE INFORMATION THAT IS PROVIDED TO US, IS AS ACCURATE AS POSSIBLE AS IT PLAYS A VITAL ROLE TO YOUR ACTUAL APPLICATION WITH THE PROVIDER.

10) PERMITTED USE

PERMITTED USE: USER ARE ONLY PERMITTED TO ACCESS AND USE THIS WEBSITE FOR YOUR PERSONAL, NON-COMMERCIAL PURPOSES, MEANING THIS WEBSITE MAY ONLY BE ACCESSED AND USED DIRECTLY BY A PRIVATE INDIVIDUAL OR BY A BUSINESS TO SEEK A PRODUCT OR SERVICE DIRECTLY FOR THAT INDIVIDUAL OR BUSINESS AND ON THEIR OWN BEHALF. ACCESS TO AND USE OF THIS WEBSITE OTHER THAN FOR YOUR PERSONAL, NON-COMMERCIAL PURPOSES IS STRICTLY PROHIBITED.

JUSTCOMPARE RESERVES THE RIGHT AT ALL TIMES (BUT WILL HAVE NO OBLIGATION) TO REMOVE OR REFUSE TO DISTRIBUTE ANY USER CONTENT AND TO TERMINATE USERS OR RECLAIM USERNAMES. WE ALSO RESERVE THE RIGHT TO ACCESS, READ, PRESERVE, AND DISCLOSE ANY INFORMATION AS WE REASONABLY BELIEVE IS NECESSARY TO (I) SATISFY ANY APPLICABLE LAW, REGULATION, LEGAL PROCESS OR GOVERNMENTAL REQUEST, (II) ENFORCE THESE TERMS OF USE, INCLUDING INVESTIGATION OF POTENTIAL VIOLATIONS HEREOF, (III) DETECT, PREVENT, OR OTHERWISE ADDRESS FRAUD, SECURITY OR TECHNICAL ISSUES, (IV) RESPOND TO USER SUPPORT REQUESTS, OR (V) PROTECT THE RIGHTS, PROPERTY OR SAFETY OF OUR USERS AND THE PUBLIC. IN USING THE WEBSITE AND/OR SERVICE YOU SHALL NOT:

  1. COPY ANY CONTENT UNLESS EXPRESSLY PERMITTED TO DO SO HEREIN;
  2. UPLOAD, POST, EMAIL, TRANSMIT OR OTHERWISE MAKE AVAILABLE ANY MATERIAL THAT:
    1. IS UNLAWFUL, HARMFUL, THREATENING, ABUSIVE, HARASSING, TORTUOUS, DEFAMATORY, VULGAR, OBSCENE, PORNOGRAPHIC, LIBELOUS, INVASIVE OF ANOTHER'S PRIVACY, HATEFUL, OR RACIALLY OR ETHNICALLY OBJECTIONABLE, ENCOURAGES CRIMINAL BEHAVIOR, GIVES RISE TO CIVIL LIABILITY, VIOLATES ANY LAW, OR IS OTHERWISE OBJECTIONABLE;
    2. YOU DO NOT HAVE A RIGHT TO MAKE AVAILABLE UNDER ANY LAW OR UNDER A CONTRACTUAL RELATIONSHIP;
    3. INFRINGES ANY PATENT, TRADEMARK, TRADE SECRET, COPYRIGHT OR OTHER PROPRIETARY RIGHTS OF ANY PARTY (INCLUDING PRIVACY RIGHTS);
    4. IS OR CONTAINS UNSOLICITED OR UNAUTHORIZED ADVERTISING, SOLICITATIONS FOR BUSINESS, PROMOTIONAL MATERIALS, "JUNK MAIL," "SPAM," "CHAIN LETTERS," "PYRAMID SCHEMES," OR ANY OTHER FORM OF SOLICITATION;
    5. CONTAINS SOFTWARE VIRUSES OR ANY OTHER COMPUTER CODE, FILES OR PROGRAMS DESIGNED TO INTERRUPT, DESTROY OR LIMIT THE FUNCTIONALITY OF ANY COMPUTER SOFTWARE OR HARDWARE OR TELECOMMUNICATIONS EQUIPMENT OR DATA OR THE WEBSITE OR THAT OF ANY USERS OR VIEWERS OF THE WEBSITE OR THAT COMPROMISES A USER’S PRIVACY; OR
    6. CONTAINS ANY FALSEHOODS OR MISREPRESENTATIONS OR CREATE AN IMPRESSION THAT YOU KNOW IS INCORRECT, MISLEADING, OR DECEPTIVE, OR ANY MATERIAL THAT COULD DAMAGE OR HARM MINORS IN ANY WAY;
  3. IMPERSONATE ANY PERSON OR ENTITY OR MISREPRESENT THEIR AFFILIATION WITH A PERSON OR ENTITY;
  4. INTERFERE WITH OR DISRUPT THE WEBSITE OR SERVERS OR NETWORKS CONNECTED TO THE WEBSITE, OR DISOBEY ANY REQUIREMENTS, PROCEDURES, POLICIES OR REGULATIONS OF NETWORKS CONNECTED TO THE WEBSITE OR PROBE, SCAN, OR TEST THE VULNERABILITY OF ANY SYSTEM OR NETWORK OR BREACH OR CIRCUMVENT ANY SECURITY OR AUTHENTICATION MEASURES;
  5. INTENTIONALLY OR UNINTENTIONALLY VIOLATES ANY APPLICABLE LOCAL, STATE, NATIONAL OR INTERNATIONAL LAW OR REGULATION;
  6. COLLECT OR STORE PERSONAL DATA ABOUT OTHER USERS OR VIEWERS;
  7. LICENSE, SELL, RENT, LEASE, TRANSFER, ASSIGN, DISTRIBUTE, HOST, OR OTHERWISE COMMERCIALLY EXPLOIT THE WEBSITE;
  8. h. MODIFY, TRANSLATE, MAKE DERIVATIVE WORKS OF, DISASSEMBLE, DECOMPILE, REVERSE COMPILE OR REVERSE ENGINEER ANY SOFTWARE PROVIDED AS PART OF THE WEBSITE, EXCEPT TO THE EXTENT THE FOREGOING RESTRICTIONS ARE EXPRESSLY PROHIBITED BY APPLICABLE LAW; OR
  9. REGISTER FOR THE SERVICE ON BEHALF OF A GROUP OR CORPORATE ENTITY.

11) ELIGIBILITY

ELIGIBILITY: USER UNDERSTANDS AND AGREES THAT ANY TRANSACTION FOR ANY FINANCIAL PRODUCTS IS BETWEEN USER AND VENDOR. USERS MAY NOT BE ELIGIBLE FOR ANY OR ALL OF THE FINANCIAL PRODUCTS APPEARING ON THE WEBSITE, OR FOR THE RATES APPEARING ON THE WEBSITE, AND THE VENDOR, AND NOT JUSTCOMPARE, IS RESPONSIBLE FOR APPROVING OR DENYING ANY APPLICATION FOR ANY FINANCIAL PRODUCTS IN ITS SOLE DISCRETION.

12) JUSTCOMPARE FEES

JUSTCOMPARE FEES: THE WEBSITE AND SERVICE IS FREE FOR USERS; HOWEVER, USERS UNDERSTAND AND AGREE THAT JUSTCOMPARE MAY RECEIVE FEES FOR SUBMITTING REQUEST FORMS OR MAKING REFERRALS TO CERTAIN VENDORS AND/OR OUR PARTNER ORGANIZATIONS.

13) USER CONTENT

USER CONTENT: ALL INFORMATION, DATA, TEXT, COMMENTS, SOFTWARE, MUSIC, SOUND, PHOTOGRAPHS, GRAPHICS, VIDEO, MESSAGES OR OTHER MATERIALS, WHETHER PUBLICLY POSTED OR PRIVATELY TRANSMITTED TO THE WEBSITE BY USERS WHETHER IN FORUMS OR OTHERWISE (“USER CONTENT”), IS THE SOLE RESPONSIBILITY OF SUCH USERS. THIS MEANS THAT USERS, AND NOT JUSTCOMPARE, ARE ENTIRELY RESPONSIBLE FOR ALL SUCH MATERIAL UPLOADED, POSTED, EMAILED, TRANSMITTED OR OTHERWISE MADE AVAILABLE BY USING THE SERVICE. JUSTCOMPARE DOES NOT CONTROL OR ACTIVELY MONITOR USER CONTENT AND, AS SUCH, DOES NOT GUARANTEE THE ACCURACY, INTEGRITY OR QUALITY OF SUCH CONTENT. USERS ACKNOWLEDGE THAT BY USING THE SERVICE, THEY MAY BE EXPOSED TO MATERIALS THAT ARE OFFENSIVE, INDECENT OR OBJECTIONABLE. UNDER NO CIRCUMSTANCES WILL JUSTCOMPARE BE LIABLE IN ANY WAY FOR ANY MATERIALS, INCLUDING, BUT NOT LIMITED TO, ANY ERRORS OR OMISSIONS IN ANY MATERIALS OR ANY DEFECTS OR ERRORS IN ANY PRINTING OR MANUFACTURING, OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE VIEWING OR USE OF ANY USER CONTENT POSTED, EMAILED, TRANSMITTED OR OTHERWISE MADE AVAILABLE VIA THE SERVICE.

14) LICENSE OF CONTENT

LICENSE OF CONTENT: BY SUBMITTING, POSTING OR DISPLAYING USER CONTENT ON OR THROUGH THE SERVICE, YOU GRANT US (AND OUR AGENTS) A NON-EXCLUSIVE, ROYALTY-FREE LICENSE (WITH THE RIGHT TO SUBLICENSE) TO USE, COPY, MODIFY, TRANSMIT, DISPLAY AND DISTRIBUTE SUCH USER CONTENT. YOU REPRESENT AND WARRANT THAT YOU HAVE ALL THE RIGHTS, POWER AND AUTHORITY NECESSARY TO GRANT THE RIGHTS GRANTED HEREIN TO ANY USER CONTENT THAT YOU SUBMIT.

15) END USER LICENSE

END USER LICENSE: EXCEPT FOR USER CONTENT AND VENDOR CONTENT, THIS WEBSITE, AND THE INFORMATION AND MATERIALS THAT IT CONTAINS, INCLUDING THE COMPARISONS AND ANALYSES OF THE FINANCIAL PRODUCTS WE PROVIDE ARE THE INTELLECTUAL PROPERTY AND/OR PROPRIETARY INFORMATION OF JUSTCOMPARE AND ITS PARTNERS AND LICENSORS, AND ARE PROTECTED FROM UNAUTHORIZED COPYING AND DISSEMINATION BY COPYRIGHT LAW, TRADEMARK LAW, AND OTHER INTELLECTUAL PROPERTY LAWS. SUBJECT TO THE TERMS OF THIS AGREEMENT, JUSTCOMPARE GRANTS YOU A NON-TRANSFERABLE, NON-EXCLUSIVE, LICENSE TO (A) USE THE WEBSITE FOR YOUR USE. NOTHING IN THE TERMS GIVES YOU A RIGHT TO USE THE JUSTCOMPARE OR JUSTCOMPARE NAMES, TRADEMARKS, LOGOS, DOMAIN NAMES, AND OTHER DISTINCTIVE BRAND FEATURES WITHOUT OUR PRIOR WRITTEN CONSENT. ANY FUTURE RELEASE, UPDATE, OR OTHER ADDITION TO FUNCTIONALITY OF THE WEBSITE OR JUSTCOMPARE APP SHALL BE SUBJECT TO THE TERMS OF THESE TERMS.

16) FEEDBACK

FEEDBACK: IF YOU PROVIDE JUSTCOMPARE WITH ANY SUGGESTIONS, COMMENTS OR OTHER FEEDBACK RELATING TO ANY ASPECT OF THE WEBSITE AND/OR SERVICE ("FEEDBACK"), JUSTCOMPARE MAY USE SUCH FEEDBACK IN THE WEBSITE OR IN ANY OTHER JUSTCOMPARE PRODUCTS OR SERVICES (COLLECTIVELY, " JUSTCOMPARE B OFFERINGS"). ACCORDINGLY, YOU AGREE THAT: (A) JUSTCOMPARE IS NOT SUBJECT TO ANY CONFIDENTIALITY OBLIGATIONS IN RESPECT TO THE FEEDBACK, (B) THE FEEDBACK IS NOT CONFIDENTIAL OR PROPRIETARY INFORMATION OF YOU OR ANY THIRD PARTY AND YOU HAVE ALL OF THE NECESSARY RIGHTS TO DISCLOSE THE FEEDBACK TO JUSTCOMPARE, (C) JUSTCOMPARE (INCLUDING ALL OF ITS SUCCESSORS AND ASSIGNS AND ANY SUCCESSORS AND ASSIGNS OF ANY OF THE JUSTCOMPARE OFFERINGS) MAY FREELY USE, REPRODUCE, PUBLICIZE, LICENSE, DISTRIBUTE, AND OTHERWISE COMMERCIALIZE FEEDBACK IN ANY JUSTCOMPARE OFFERINGS, AND (D) YOU ARE NOT ENTITLED TO RECEIVE ANY COMPENSATION OR RE-IMBURSEMENT OF ANY KIND FROM JUSTCOMPARE OR ANY OF THE OTHER USERS OF THE WEBSITE IN RESPECT OF THE FEEDBACK.

17) TELEPHONE CALLS

TELEPHONE CALLS: TELEPHONE CALLS THAT YOU MAKE TO OUR CUSTOMER SERVICES HELP LINE ON 1-844-400-5222 MAY BE MONITORED AND/OR RECORDED. THIS WILL HELP US TO TRAIN OUR STAFF AND IMPROVE OUR SERVICE TO YOU. A RECORDING WILL ONLY BE USED UNDER PROPER AND CAREFUL SUPERVISION. OUR CUSTOMER SERVICE HELP LINE IS AVAILABLE MONDAY TO FRIDAY 9.00AM TO 5.30PM.

18) ADVERTISING

ADVERTISING: YOU ACKNOWLEDGE AND AGREE THAT THE WEBSITE MAY CONTAIN ADVERTISEMENTS FOR VENDOR FINANCIAL PRODUCTS AND OTHER THIRD PARTY PRODUCTS AND SERVICES. IF YOU ELECT TO HAVE ANY BUSINESS DEALINGS WITH A VENDOR OR OTHER THIRD PARTY WHOSE PRODUCTS OR SERVICES MAY BE ADVERTISED ON THE WEBSITE, USER ACKNOWLEDGES AND AGREES THAT SUCH DEALINGS ARE SOLELY BETWEEN YOU AND SUCH ADVERTISER AND YOU FURTHER ACKNOWLEDGE AND AGREE THAT JUSTCOMPARE SHALL NOT HAVE ANY RESPONSIBILITY OR LIABILITY FOR ANY LOSSES OR DAMAGES THAT YOU MAY INCUR AS A RESULT OF ANY SUCH DEALINGS. YOU SHALL BE RESPONSIBLE FOR OBTAINING ACCESS TO THE WEBSITE AND ACKNOWLEDGE THAT SUCH ACCESS MAY INVOLVE THIRD-PARTY FEES (SUCH AS INTERNET SERVICE PROVIDER ACCESS OR DATA FEES). YOU SHALL BE SOLELY RESPONSIBLE FOR ANY SUCH FEES AND ALSO FOR OBTAINING ANY EQUIPMENT THAT IS REQUIRED TO ACCESS THE WEBSITE. IT IS YOUR RESPONSIBILITY TO ASCERTAIN WHETHER ANY INFORMATION OR MATERIALS DOWNLOADED FROM THE WEBSITE ARE FREE OF VIRUSES, WORMS, TROJAN HORSES, OR OTHER ITEMS OF A POTENTIALLY DESTRUCTIVE NATURE.

19) LINKS & THIRD-PARTY WEBSITES

LINKS & THIRD-PARTY WEBSITES: THIS WEBSITE (INCLUDING USER CONTENT) CONTAINS LINKS TO OTHER WEBSITES THAT ARE NOT OWNED OR CONTROLLED BY JUSTCOMPARE, SUCH AS OUR INSURANCE QUOTE PARTNERS. IN NO EVENT SHALL ANY REFERENCE TO ANY THIRD PARTY, THIRD PARTY PRODUCT OR SERVICE, INCLUDING VENDOR FINANCIAL PRODUCTS, BE CONSTRUED AS AN APPROVAL OR ENDORSEMENT BY JUSTCOMPARE OF THAT THIRD PARTY, THIRD PARTY PRODUCT OR SERVICE. JUSTCOMPARE IS ALSO NOT RESPONSIBLE FOR THE CONTENT OF ANY LINKED WEBSITES. ANY THIRD-PARTY WEBSITES OR SERVICES ACCESSED FROM THE WEBSITE ARE SUBJECT TO THE TERMS AND CONDITIONS OF THOSE WEBSITES AND OR SERVICES AND YOU ARE RESPONSIBLE FOR DETERMINING THOSE TERMS AND CONDITIONS AND COMPLYING WITH THEM. THE PRESENCE ON THE WEBSITE OF A LINK TO ANY OTHER WEBSITE(S) DOES NOT IMPLY THAT JUSTCOMPARE ENDORSES OR ACCEPTS ANY RESPONSIBILITY FOR THE CONTENT OR USE OF SUCH WEBSITES, AND YOU HEREBY RELEASE JUSTCOMPARE FROM ALL LIABILITY AND/DAMAGES THAT MAY ARISE FROM YOUR USE OF SUCH WEBSITES OR RECEIPT OF SERVICES FROM ANY SUCH WEBSITES. WHILE JUSTCOMPARE DOES NOT PROHIBIT LINKING TO THIRD PARTY WEBSITES AND CONTENT, IT DOES NOT WISH TO BE LINKED TO OR FROM ANY THIRD-PARTY WEB SITE WHICH CONTAINS, POSTS OR TRANSMITS ANY OF THE PROHIBITED CONTENT IN SECTION 3 OF THESE TERMS OF USE. JUSTCOMPARE RESERVES THE RIGHT TO PROHIBIT OR REMOVE (OR REQUIRE YOU TO REMOVE) ANY LINK TO THE WEBSITE, INCLUDING, WITHOUT LIMITATION, ANY LINK WHICH CONTAINS OR MAKES AVAILABLE ANY CONTENT OR INFORMATION OF THE FOREGOING NATURE, AT ANY TIME.

20) RELEASE

RELEASE: BECAUSE WE DO NOT SUPERVISE OR CONTROL INTERACTIONS BETWEEN USERS AND VENDORS, AND BECAUSE WE HAVE VERY LIMITED CONTROL, IF ANY, OVER THE LEGALITY, TRUTHFULNESS OR ACCURACY OF VARIOUS ASPECTS OF THE WEBSITE OR SERVICES, YOU AGREE THAT YOU BEAR ALL RISK AND YOU AGREE TO RELEASE JUSTCOMPARE. (AND THEIR OFFICERS, DIRECTORS, SHAREHOLDERS, AGENTS, EMPLOYEES, AFFILIATES, SUBSIDIARIES, AND THIRD PARTY PARTNERS) (ACTUAL AND CONSEQUENTIAL) OF EVERY KIND AND NATURE, KNOWN AND UNKNOWN, SUSPECTED AND UNSUSPECTED, DISCLOSED AND UNDISCLOSED, NOW AND IN THE FUTURE, ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF THE SERVICES, YOUR INTERACTIONS AND TRANSACTIONS WITH VENDORS, YOUR THIRD PARTY TRANSACTIONS, AND OUR RESOLUTION OF ANY DISPUTES BETWEEN USERS. YOU FURTHER WAIVE ANY AND ALL RIGHTS AND BENEFITS OTHERWISE CONFERRED BY ANY STATUTORY OR NON-STATUTORY LAW OF ANY JURISDICTION THAT WOULD PURPORT TO LIMIT THE SCOPE OF A RELEASE OR WAIVER.

21) GENERAL DISCLAIMER

DISCLAIMER OF REPRESENTATIONS, WARRANTIES AND CONDITIONS. THE WEBSITE, SERVICE, JUSTCOMPARE APP AND ALL MATERIALS PROVIDED THEREIN ARE PROVIDED "AS IS." JUSTCOMPARE SPECIFICALLY DISCLAIMS ALL REPRESENTATIONS, WARRANTIES AND CONDITIONS, EITHER EXPRESS, IMPLIED, STATUTORY, BY USAGE OF TRADE, COURSE OF DEALING OR OTHERWISE INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, TITLE, SATISFACTORY QUALITY OR FITNESS FOR A PARTICULAR PURPOSE. ANY INFORMATION OR MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM, LOSS OF DATA, OR ANY OTHER LOSS THAT RESULTS FROM DOWNLOADING OR USING ANY SUCH MATERIAL. JUSTCOMPARE DOES NOT WARRANT, ENDORSE, GUARANTEE, PROVIDE ANY CONDITIONS OR REPRESENTATIONS, OR ASSUME ANY RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY ANY THIRD PARTY THROUGH THE WEBSITE OR IN RESPECT TO ANY WEBSITE THAT CAN BE REACHED FROM A LINK ON THE WEBSITE OR FEATURED IN ANY BANNER OR OTHER ADVERTISING ON THE WEBSITE, AND JUSTCOMPARE SHALL NOT BE A PARTY TO ANY TRANSACTION THAT YOU MAY ENTER INTO WITH ANY SUCH THIRD PARTY. JUSTCOMPARE WILL NOT BE LIABLE FOR ANY TYPE OF CONTENT EXCHANGED BY MEANS OF THE SERVICE.

22) LIMITATION OF LIABILITY

LIMITATION OF LIABILITY: UNDER NO CIRCUMSTANCES SHALL JUSTCOMPARE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR OTHER DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, ANY DAMAGES THAT RESULT FROM (I) YOUR USE OF OR YOUR INABILITY TO USE THIS WEBSITE, JUSTCOMPARE APP OR THE SERVICE, (II) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS, DATA, INFORMATION OR SERVICES, (III) ERRORS, MISTAKES, OR INACCURACIES IN THE MATERIALS ON THE WEBSITE, (IV) PERSONAL INJURY OR PROPERTY DAMAGE OF ANY KIND WHATSOEVER ARISING FROM OR RELATING TO YOUR USE OF THE SERVICE, ANY BUGS, VIRUSES, TROJAN HORSES, OR ANY OTHER FILES OR DATA THAT MAY BE HARMFUL TO COMPUTER OR COMMUNICATION EQUIPMENT OR DATA THAT MAY HAVE BEEN TRANSMITTED TO OR THROUGH THE WEBSITE OR JUSTCOMPARE APP, OR (V) ANY ERRORS OR OMISSIONS IN ANY MATERIAL ON THE WEBSITE OR ANY OTHER LOSS OR DAMAGE OF ANY KIND ARISING FROM OR RELATING TO YOUR USE OF THE WEBSITE. THESE LIMITATIONS SHALL APPLY EVEN IF JUSTCOMPARE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, JUSTCOMPARE’S LIABILITY TO YOU FOR ANY DAMAGES ARISING FROM OR RELATED TO THIS AGREEMENT (FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION), WILL AT ALL TIMES BE LIMITED TO THE GREATER OF (A) FIFTY U.S. DOLLARS ($50) OR (B) AMOUNTS YOU’VE PAID JUSTCOMPARE IN THE PRIOR 12 MONTHS (IF ANY) THE FOREGOING LIMITATIONS SHALL APPLY TO THE FULLEST EXTENSION PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.

23) INDEMNIFICATION

INDEMNIFICATION: YOU SHALL INDEMNIFY AND HOLD JUSTCOMPARE AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, AGENTS, AND EMPLOYEES, HARMLESS FROM ALL CLAIMS, ACTIONS, PROCEEDINGS, DEMANDS, DAMAGES, LOSSES, COSTS, AND EXPENSES (INCLUDING REASONABLE ATTORNEYS' FEES), INCURRED IN CONNECTION WITH ANY MATERIALS SUBMITTED, POSTED, TRANSMITTED OR MADE AVAILABLE BY YOU THROUGH THE SERVICE AND/OR ANY VIOLATION BY YOU OF THESE TERMS OF USE.

24) TERMINATION

TERMINATION: JUST COMPARE FINANCIAL COMPARISON LTD MAY, UNDER CERTAIN CIRCUMSTANCES AND WITHOUT PRIOR NOTICE, IMMEDIATELY TERMINATE YOUR ABILITY TO ACCESS THE WEBSITE OR PORTIONS THEREOF. CAUSE FOR SUCH TERMINATION SHALL INCLUDE, BUT NOT BE LIMITED TO, (A) BREACHES OR VIOLATIONS OF THESE TERMS OF USE OR ANY OTHER AGREEMENT THAT YOU MAY HAVE WITH JUST COMPARE FINANCIAL COMPARISON LTD (INCLUDING, WITHOUT LIMITATION, NON-PAYMENT OF ANY FEES OWED IN CONNECTION WITH THE WEBSITE OR OTHERWISE OWED BY YOU TO JUST COMPARE FINANCIAL COMPARISON LTD), (B) REQUESTS BY LAW ENFORCEMENT OR OTHER GOVERNMENT AGENCIES, (C) A REQUEST BY YOU, (D) DISCONTINUANCE OR MATERIAL MODIFICATION TO THE WEBSITE (OR ANY PART THEREOF), (E) UNEXPECTED TECHNICAL, SECURITY OR LEGAL ISSUES OR PROBLEMS, AND/OR (F) PARTICIPATION BY YOU, DIRECTLY OR INDIRECTLY, IN FRAUDULENT OR ILLEGAL ACTIVITIES. TERMINATION OF YOUR ACCESS TO THE WEBSITE MAY ALSO INCLUDE REMOVAL OF SOME OR ALL OF THE MATERIALS UPLOADED BY YOU TO THE WEBSITE. YOU ACKNOWLEDGE AND AGREE THAT ALL TERMINATIONS MAY BE MADE BY JUST COMPARE FINANCIAL COMPARISON LTD IN ITS SOLE DISCRETION AND THAT JUST COMPARE FINANCIAL COMPARISON LTD SHALL NOT BE LIABLE TO YOU OR ANY THIRD-PARTY FOR ANY TERMINATION OF YOUR ACCESS TO THIS WEBSITE OR FOR THE REMOVAL OF ANY OF THE MATERIALS UPLOADED BY YOU TO THE WEBSITE. ANY TERMINATION OF THESE TERMS OF USE BY JUST COMPARE FINANCIAL COMPARISON LTD SHALL BE IN ADDITION TO ANY AND ALL OTHER RIGHTS AND REMEDIES THAT JUST COMPARE FINANCIAL COMPARISON LTD MAY HAVE.

25) AVAILABILITY & UPDATES

AVAILABILITY & UPDATES: JUST COMPARE FINANCIAL COMPARISON LTD MAY ALTER, SUSPEND, OR DISCONTINUE THIS WEBSITE AT ANY TIME AND FOR ANY REASON OR NO REASON, WITHOUT NOTICE. THE WEBSITE, SERVICE MAY BE UNAVAILABLE FROM TIME TO TIME DUE TO MAINTENANCE OR MALFUNCTION OF COMPUTER OR NETWORK EQUIPMENT OR OTHER REASONS. JUST COMPARE FINANCIAL COMPARISON LTD MAY PERIODICALLY ADD OR UPDATE THE INFORMATION AND MATERIALS ON THIS WEBSITE WITHOUT NOTICE.

26) SECURITY

SECURITY: INFORMATION SENT OR RECEIVED OVER THE INTERNET IS GENERALLY UNSECURE AND JUST COMPARE FINANCIAL COMPARISON LTD CANNOT AND DOES NOT MAKE ANY REPRESENTATION OR WARRANTY CONCERNING SECURITY OF ANY COMMUNICATION TO OR FROM THE WEBSITE OR ANY REPRESENTATION OR WARRANTY REGARDING THE INTERCEPTION BY THIRD PARTIES OF PERSONAL OR OTHER INFORMATION. YOU ARE RESPONSIBLE FOR SAFEGUARDING THE PASSWORD THAT YOU USE TO ACCESS THE SERVICE AND YOU ARE RESPONSIBLE FOR ANY ACTIVITIES OR ACTIONS UNDER YOUR PASSWORD. YOU AGREE TO KEEP YOUR PASSWORD SECURE. JUST COMPARE FINANCIAL COMPARISON LTD WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM YOUR FAILURE TO COMPLY WITH THESE REQUIREMENTS.

27) USE OF WEB TOOLS

USE OF WEB TOOLS: JUST COMPARE FINANCIAL COMPARISON LTD OR ITS SERVICE PROVIDERS MAY USE VARIOUS WEB TOOLS, INCLUDING COOKIES, WEB BEACONS AND TAGGING ON OUR WEBSITES AND ADVERTISEMENTS. COOKIES ARE A STRING OF DATA SENT BETWEEN A SERVER AND A WEB BROWSER TO, FOR EXAMPLE, HELP FACILITATE THE USE OF A WEBSITE AND TO HELP UNDERSTAND HOW A WEBSITE IS BEING USED.

DIFFERENT TYPES OF COOKIES ARE USED FOR DIFFERENT TYPES OF ACTIVITIES. EXAMPLES OF COOKIES WE MAY USE ARE:

SESSION COOKIES ENABLE THE WEBSITE YOU ARE VISITING TO KEEP TRACK OF YOUR MOVEMENT FROM PAGE TO PAGE SO YOU DO NOT GET ASKED FOR THE SAME INFORMATION YOU'VE ALREADY GIVEN TO THE SITE. SESSION COOKIES ALLOW YOU TO PROCEED THROUGH MANY PAGES OF A SITE QUICKLY AND EASILY WITHOUT HAVING TO AUTHENTICATE OR REPROCESS EACH NEW AREA YOU VISIT. THEY ARE NOT WRITTEN TO HARD DRIVE SO THEY ARE DELETED ONCE YOU LOG OUT OR CLOSE YOUR BROWSER. THESE COOKIES DO NOT GATHER INFORMATION ABOUT YOU THAT COULD BE USED FOR MARKETING OR REMEMBERING WHERE YOU HAVE BEEN ON THE INTERNET.

PERSISTENT COOKIES HELP WEBSITES REMEMBER YOUR INFORMATION AND SETTINGS WHEN YOU VISIT THEM IN THE FUTURE, AND HELP US PROVIDE YOU WITH A MORE PERSONALIZED EXPERIENCE WHEN YOU ARE USING JUST COMPARE FINANCIAL COMPARISON LTD WEBSITES BY ANALYZING WHICH PRODUCTS AND SERVICES YOU HAVE USED. WHEN YOU LOG INTO JUSTCOMPARE.CA, WE ASSOCIATE YOU WITH A UNIQUE INTERNAL IDENTIFIER. THE UNIQUE IDENTIFIER ALLOWS US TO KNOW WHO YOU ARE, HOWEVER, THE COOKIE WILL NEVER CONTAIN INFORMATION, SUCH AS YOUR NAME OR ADDRESS, THAT WOULD IDENTIFY YOU TO A THIRD PARTY. THIS UNIQUE IDENTIFIER ENABLES US TO MONITOR YOUR BROWSING HABITS ON JUST COMPARE FINANCIAL COMPARISON LTD WEBSITES SO THAT WE CAN BETTER UNDERSTAND YOUR NEEDS AND COMMUNICATE WITH YOU REGARDING PRODUCTS AND SERVICES THAT MAY BE OF INTEREST TO YOU. PERSISTENT COOKIES ARE STORED ON YOUR COMPUTER.

FLASH COOKIES ARE USED TO IMPROVE YOUR WEBSITE EXPERIENCE BY IDENTIFYING ONLINE BEHAVIORS AND CUSTOMIZING THE ADS YOU VIEW TO REFLECT YOUR BROWSING EXPERIENCE.

COOKIES ARE A COMMONLY USED TECHNOLOGY AND MANY WEB BROWSERS DEFAULT TO AUTOMATICALLY ACCEPT COOKIES. IF YOU DECIDE THAT YOU DO NOT WISH TO RECEIVE COOKIES, REFER TO YOUR BROWSER’S ONLINE HELP FOR FURTHER INSTRUCTION AND INFORMATION ON SETTING COOKIE PREFERENCES. IF YOU DO NOT ACCEPT COOKIES, YOU MAY CONTINUE TO BROWSE OUR WEBSITES; HOWEVER, YOU SHOULD BE AWARE THAT CERTAIN FEATURES OF OUR WEBSITES MAY NOT FUNCTION PROPERLY WITHOUT COOKIES. YOU SHOULD NOTE THAT IF YOU WOULD LIKE TO USE A SERVICE SUCH AS JUSTCOMPARE.CA, YOU WILL BE REQUIRED TO ACCEPT THE COOKIES TO MAINTAIN SESSION INTEGRITY AND ENHANCED SECURITY.

TAGGING IS WHEN WE PLACE CUSTOMIZED CODE ON OUR WEBSITES IN ORDER TO MONITOR USER ACTIVITY ON OUR WEBSITES. THIS TAGGING SOFTWARE CAPTURES USER ACTIVITY AND PASSES IT ON TO A THIRD PARTY FOR ANALYSIS SO THAT WE MIGHT BETTER UNDERSTAND AND ENHANCE THE USER EXPERIENCE AND PROVIDE ADDITIONAL SECURITY CONTROLS.

WEB BEACONS ARE SMALL AND TRANSPARENT IMAGES EMBEDDED IN WEB PAGES THAT, WHEN COMBINED WITH COOKIES, HELP PROVIDE A WEBSITE OPERATOR WITH INFORMATION ABOUT THE USE AND EFFECTIVENESS OF A WEBSITE.

AD MANAGEMENT SOLUTIONS ARE TOOLS THAT ENABLE US TO PRESENT APPROPRIATE ADS TO USERS BASED ON PREVIOUS INTERESTS AS INDICATED BY WEBSITES THEY HAVE VISITED. THESE TOOLS TRACK IF YOU HAVE CLICKED ON A JUSTCOMPARE AD AND IDENTIFY YOUR ACTIVITY WHEN YOU CLICKED ON THAT AD USING COOKIES AND WEB BEACONS. THESE TOOLS DO NOT IDENTIFY YOU PERSONALLY, BUT ARE ASSOCIATED WITH THE DEVICE, SUCH AS THE COMPUTER BEING USED.

ONLINE AUTHENTICATION PROCESS CAPTURES AND STORES DEVICE INFORMATION AS WELL AS INFORMATION YOU PROVIDE IN ORDER TO CONFIRM YOUR IDENTITY EACH TIME YOU VISIT OUR SECURE WEBSITES. WHEN YOU PURCHASE A NEW PRODUCT ONLINE, REGISTER FOR A SECURE ONLINE SERVICE OR ACTIVATE AN EXISTING PRODUCT, THE APPLICATION YOU COMPLETE MAY INCLUDE AN ONLINE AUTHENTICATION PROCESS. THE INFORMATION THAT YOU PROVIDE IN YOUR APPLICATION MAY BE COMPARED AGAINST THE INFORMATION CONTAINED IN YOUR CONSUMER CREDIT REPORT TO VALIDATE YOUR IDENTITY.

28) ANALYTICAL DATA

ANALYTICAL DATA: WE CARRY OUT RESEARCH AND ANALYSIS INTO USAGE AND ACTIVITIES ON OUR WEBSITE. THIS IS USED TO HELP US IMPROVE OUR SERVICE. WE MAY RECORD ANY OF YOUR ACTIVITY ON OUR WEBSITE INCLUDING INFORMATION SUCH AS WHICH PAGES YOU VISIT AND HOW YOU INTERACT WITH THE WEBSITE. WE MAY ASK A THIRD PARTY TO RECORD THIS INFORMATION ON OUR BEHALF AND COOKIES MAY BE USED FOR THIS PURPOSE, HOWEVER ONLY YOUR FIRST NAME WILL BE RECORDED AND NO OTHER PERSONAL INFORMATION YOU ENTER ON OUR WEBSITE (SUCH AS YOUR FULL NAME OR CONTACT DETAILS) WILL BE RECORDED BY THE THIRD PARTY.

29) GOOGLE ANALYTICS

THIS WEBSITE ALSO USES GOOGLE ANALYTICS TO ALLOW US TO MONITOR HOW USERS USE OUR WEBSITE INCLUDING REMARKETING AND ADVERTISING REPORTING FEATURES. PLEASE REFER TO OUR COOKIE POLICY FOR DETAILS OF THE COOKIES THAT ARE USED IN RELATION TO THIS. IF YOU REQUIRE FURTHER INFORMATION OR WISH TO OPT OUT OF GOOGLE ANALYTICS REMARKETING AND ADVERTISING REPORTING FEATURES THEN PLEASE VISIT GOOGLE’S CURRENTLY AVAILABLE OPT-OUTS. WE ARE CONTINUALLY LOOKING TO IMPROVE YOUR USER EXPERIENCE AND SO REGULARLY ADOPT AND IMPLEMENT NEW TECHNOLOGIES TO HELP US DO THIS. PLEASE REGULARLY CHECK OUR COOKIE POLICY FOR FULL DETAILS OF THE COOKIES WE ARE CURRENTLY USING.

30) GENERAL

GENERAL: THESE TERMS OF USE, TOGETHER WITH ANY PRIVACY POLICY THAT MAY BE PUBLISHED ON THE WEBSITE, CONSTITUTES THE ENTIRE AGREEMENT BETWEEN THE PARTIES RELATING TO THE WEBSITE AND SERVICE AND ALL RELATED ACTIVITIES. THESE TERMS OF USE SHALL NOT BE MODIFIED EXCEPT IN WRITING SIGNED BY BOTH PARTIES OR BY A NEW POSTING OF THESE TERMS OF USE ISSUED BY JUST COMPARE FINANCIAL COMPARISON LTD. IF ANY PART OF THESE TERMS OF USE IS HELD TO BE UNLAWFUL, VOID, OR UNENFORCEABLE, THAT PART SHALL BE DEEMED SEVERED AND SHALL NOT AFFECT THE VALIDITY AND ENFORCEABILITY OF THE REMAINING PROVISIONS. THE FAILURE OF JUST COMPARE FINANCIAL COMPARISON LTD TO EXERCISE OR ENFORCE ANY RIGHT OR PROVISION UNDER THESE TERMS OF USE SHALL NOT CONSTITUTE A WAIVER OF SUCH RIGHT OR PROVISION. ANY WAIVER OF ANY RIGHT OR PROVISION BY JUST COMPARE FINANCIAL COMPARISON LTD MUST BE IN WRITING AND SHALL ONLY APPLY TO THE SPECIFIC INSTANCE IDENTIFIED IN SUCH WRITING. YOU MAY NOT ASSIGN THE TERMS OF USE, OR ANY RIGHTS OR LICENSES GRANTED HEREUNDER, WHETHER VOLUNTARILY, BY OPERATION OF LAW, OR OTHERWISE WITHOUT JUST COMPARE FINANCIAL COMPARISON LTD’S PRIOR WRITTEN CONSENT. THE LAWS OF THE PROVINCE OF ONTARIO AND THE FEDERAL LAWS OF CANADA APPLICABLE GOVERN THESE TERMS OF USE THEREIN, WITHOUT REGARD TO CONFLICTS OF LAWS PROVISIONS. IN THE EVENT OF ANY DISPUTE OR PROCEEDING THE PARTIES HEREBY AGREE TO ADHERE TO THE EXCLUSIVE JURISDICTION OF THE COURTS OF THE PROVINCE OF ONTARIO, IN THE CITY OF TORONTO ONTARIO.