1. About These Terms
HighRiskPolicy.ca is owned and operated by The 1057 Group Inc. By visiting the site, using the quote request form, calling from the site, or otherwise interacting with its content, you agree to these Terms of Service and to our Privacy Policy and Cookies Policy.
2. Website Purpose
The site is intended to provide general information about insurance brokerage services and to help prospective customers connect with The 1057 Group Inc. for quote and brokerage assistance. The content is informational only and is not legal advice, financial advice, or a guarantee that any particular policy, premium, insurer, or coverage option will be available.
3. Eligibility and Authority
You represent that you are using the site lawfully and that any information you provide is accurate and not misleading. If you submit information on behalf of another individual or business, you represent that you have authority to do so and to permit us to contact that person or business.
4. No Insurance Coverage Created Through Site Use Alone
Using HighRiskPolicy.ca, submitting a form, or receiving a preliminary response does not bind insurance coverage, create a broker-client relationship for every purpose, or guarantee that coverage has been placed. Coverage exists only when confirmed by the appropriate insurer or authorized broker under applicable procedures.
5. Communications Consent
If you submit contact information or request a quote, you authorize The 1057 Group Inc. and its representatives to contact you about your request by phone, email, or other reasonable communication methods, subject to applicable law.
6. Acceptable Use
You agree not to:
- use the site in a way that violates any law or regulation;
- attempt to interfere with site functionality, security, or availability;
- submit false, deceptive, or unauthorized information;
- copy, scrape, reproduce, or exploit site content for unlawful or competitive misuse; or
- introduce malware, automated abuse, or other harmful code or behaviour.
7. Intellectual Property
All site content, including text, branding, logos, graphics, layout, and underlying code, is owned by or licensed to The 1057 Group Inc. or its licensors and is protected by applicable intellectual-property laws. You may view and use the site for personal or internal business purposes only, unless we give you written permission for broader use.
8. Third-Party Links and Content
The site may contain links to third-party websites, documents, or services. Those third parties are independent from The 1057 Group Inc. We do not control and are not responsible for their content, terms, availability, or privacy practices.
9. Disclaimers
To the maximum extent permitted by law, HighRiskPolicy.ca is provided on an as is and as available basis. We do not warrant that the site will always be uninterrupted, error-free, secure, or free from harmful components, or that the information on the site will always be complete, current, or suitable for every situation.
10. Limitation of Liability
To the maximum extent permitted by law, The 1057 Group Inc. will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or business opportunities arising from or relating to your use of or inability to use the site.
Nothing in these Terms excludes liability that cannot legally be excluded under applicable law.
11. Indemnity
You agree to indemnify and hold harmless The 1057 Group Inc., its officers, directors, employees, contractors, and representatives from claims, losses, liabilities, and expenses arising out of your misuse of the site, your breach of these Terms, or your violation of law or the rights of another person.
12. Governing Law
These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in Ontario, without regard to conflict-of-law principles. You agree that courts located in Ontario will have jurisdiction over disputes relating to these Terms or your use of the site, subject to any mandatory rights you may have under applicable law.
13. Changes to These Terms
We may revise these Terms of Service from time to time by posting an updated version on this page and updating the effective date. Your continued use of the site after a change is posted means you accept the revised Terms.
14. Contact
Questions about these Terms should be directed to The 1057 Group Inc. at 1057 Oxford St W, London, ON N6H 1V6 or by phone at (519) 657-1057.
If you want terms tailored to a specific quoting workflow, CRM, or lead-routing process, those operational details should also be reviewed by legal counsel before publication.