Terms & Conditions

1. Agreement to Terms

By accessing or using the Hyeock website, pages, forms, quote request tools, or related services, you agree to be bound by these Terms & Conditions and any policies referenced on this website.

If you do not agree with these Terms, please do not use this website or submit personal information through any form on this website.

2. Description of Services

Hyeock is an independent advertising and lead generation website that helps Canadian residents request information about life insurance and related coverage options.

Hyeock is not a life insurance company, insurer, broker, underwriter, financial advisor, or insurance advisor. We do not issue insurance policies, underwrite coverage, approve applications, provide binding quotes, or make coverage decisions.

3. Advertisement Disclosure

This website is an advertisement and sponsored marketing website. It is not a news publication, consumer protection update, government program, government benefit website, or official insurer website.

We may receive compensation for submitted quote requests, referred leads, completed inquiries, or other marketing activity connected with this website.

4. Eligibility

To use this website or submit a quote request, you represent that you:

• Are at least 18 years of age;
• Are a resident of Canada;
• Have the legal capacity to submit a request;
• Will provide accurate, current, and complete information;
• Are submitting information for yourself or with proper authorization.

5. Quote Requests and Lead Sharing

When you submit a request through this website, your information may be shared with a licensed insurance advisor, insurance agency, call center, CRM provider, marketing partner, or insurance partner for the purpose of responding to your inquiry and discussing available insurance options.

Submitting a request does not create an insurance policy, agency relationship, broker relationship, advisory relationship, or guarantee that you will be contacted.

6. No Guarantee of Coverage, Pricing, or Approval

We do not guarantee that you will qualify for insurance coverage, receive a particular rate, be approved by an insurer, or be eligible for any specific product or coverage amount.

Insurance products, eligibility, premiums, coverage amounts, medical exam requirements, application questions, exclusions, limitations, and approval decisions are determined by the licensed advisor, insurance provider, or underwriter.

7. No Insurance, Financial, Legal, or Tax Advice

The content on this website is provided for general advertising and informational purposes only. It should not be treated as insurance, financial, legal, tax, medical, or professional advice.

You should review all policy documents carefully and speak with a qualified licensed professional before making any insurance or financial decision.

8. Consent to Communications

By submitting a form on this website, you agree that Hyeock and/or its partners may contact you about your request by phone, email, text message, or other communication method using the contact information you provide.

You may request not to be contacted or withdraw consent where applicable by using our opt-out page or by contacting us directly.

9. Privacy and Personal Information

Your use of this website is also governed by our Privacy Policy. Please review it to understand how personal information may be collected, used, stored, disclosed, and shared.

By submitting information through this website, you acknowledge that your information may be processed and shared as described in these Terms and in our Privacy Policy.

10. Third-Party Services and Partners

This website may contain links to third-party websites, offers, services, or partner pages. We are not responsible for the content, availability, privacy practices, terms, products, underwriting standards, or business practices of third-party websites or partners.

Any insurance product or service discussed by a third party is subject to that third party's own terms, conditions, privacy practices, licensing, and underwriting requirements.

11. User Responsibilities

You agree not to:

• Submit false, misleading, incomplete, or fraudulent information;
• Use this website for unlawful, abusive, or deceptive purposes;
• Interfere with the operation, security, or availability of this website;
• Attempt to access systems, data, or areas of the website without authorization;
• Copy, scrape, reproduce, or misuse website content without permission.

12. Intellectual Property

All website content, including text, graphics, logos, layouts, design elements, images, icons, scripts, and software, is owned by Hyeock or used under license unless otherwise stated.

You may not copy, reproduce, modify, distribute, sell, or exploit any part of this website without prior written permission.

13. Disclaimer of Warranties

This website and its services are provided on an "as is" and "as available" basis. We do not warrant that the website will be uninterrupted, secure, accurate, complete, current, or error-free.

We make no warranty regarding the availability of insurance options, partner responses, quote results, application outcomes, or third-party services.

14. Limitation of Liability

To the fullest extent permitted by applicable law, Hyeock and its owners, operators, contractors, service providers, and affiliates will not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages arising from your use of this website.

This includes, without limitation, damages related to lost opportunities, lost data, service interruptions, third-party actions, partner decisions, insurance application outcomes, or reliance on website content.

15. Indemnification

You agree to indemnify and hold harmless Hyeock, its owners, operators, contractors, service providers, and affiliates from any claims, damages, liabilities, costs, and expenses arising from your use of this website, your submitted information, your violation of these Terms, or your violation of applicable law.

16. Opt-Out Requests

If you no longer wish to receive marketing communications, you may submit an opt-out request through our opt-out page or contact us using the details below.

Please allow a reasonable processing period for opt-out requests to be applied across relevant systems and partners.

17. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.

18. Changes to These Terms

We may update these Terms from time to time. When we make changes, we may update the "Last Updated" date at the top of this page. Your continued use of this website after changes are posted means you accept the updated Terms.