Terms of Service

Welcome to Kidsurance®. These Terms of Service ("Terms") govern your use of this website. Kidsurance® is a brand operated by Adrian LeRoy, a licensed insurance advisor (Ontario and New Brunswick). By using this website, you agree to these Terms. If you do not agree, please do not use the site.

About this website

This website provides general information about children's life insurance and lets you request information or book a call with a licensed advisor. It is an information and contact tool, not a platform for purchasing insurance. No insurance is sold, bound, or issued through this website.

Not advice; not an offer

The information and any illustrative figures on this website are for general educational purposes only. They are not insurance, financial, tax, or legal advice, and they are not a quote, an offer, or a guarantee of insurance. Any values shown are estimates for illustration only and are not guaranteed. Actual coverage, premiums, and policy values depend on the insurer's underwriting, product terms, and approval, and are provided only through a personalized illustration and application with a licensed advisor.

Eligibility

This website is intended for use by residents of Ontario and New Brunswick, where the advisor is licensed. Insurance can only be placed for residents of jurisdictions where the advisor holds a valid licence.

Use of the website

You agree to use this website only for lawful purposes and to provide accurate information when you contact us. You agree not to misuse the site, interfere with its operation, or attempt to access it in an unauthorized way.

Intellectual property

Kidsurance® is a registered trademark. All content on this website, including text, design, logos, and the calculator tool, is owned by or licensed to Kidsurance® and may not be copied, reproduced, or reused without permission.

Third-party links and services

This website may link to or use third-party services (such as scheduling or messaging tools). We are not responsible for the content or practices of third-party websites and services. Insurance products referenced are provided by the applicable insurer, subject to that insurer's own terms.

Limitation of liability

This website is provided "as is," without warranties of any kind. To the fullest extent permitted by law, Kidsurance® and Adrian LeRoy are not liable for any loss or damage arising from your use of, or reliance on, this website or its contents. Your decisions about insurance should be based on a personalized illustration and advice from a licensed advisor, not on this website alone.

Privacy

Your use of this website is also governed by our Privacy Policy, which explains how we handle your personal information.

Changes to these Terms

We may update these Terms from time to time. The "Last updated" date reflects the most recent version. Continued use of the website after changes means you accept the updated Terms.

Contact

Questions about these Terms? Contact Adrian LeRoy — Kidsurance®, hello@kidsurance.ca, 1-888-840-0126.

Governing law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable there.