Effective date: August 6, 2026
These terms govern the use of the protecto.ca website, operated by Services Financiers Protecto Inc. (“Protecto”, “we”, “our”). By accessing this website, you agree to be bound by these terms. If you do not accept these terms, please do not use this website.
1. Nature of Services
Protecto is a financial services firm registered with the Autorité des marchés financiers (AMF) of Quebec under registration number 602624 and licensed in Ontario (FSRAO no. 41378M). We work with a panel of Canadian insurers to offer you the coverage best suited to your needs.
2. Quotes and Estimates
Quotes and estimates presented on this website are provided for informational purposes only. They do not constitute an insurance contract or a guarantee of coverage. Final pricing, terms, and coverage are determined by the insurance company at the time the policy is issued.
3. Accuracy of Information
We make reasonable efforts to ensure the accuracy of information published on this website. However, we do not guarantee that the information is complete, current, or error-free. Insurance product descriptions are summaries and do not replace the contractual terms of the insurance policy.
4. Limitation of Liability
To the extent permitted by law, Protecto shall not be liable for:
- Any direct, indirect, incidental, or consequential damages arising from the use of this website.
- Any errors or omissions in the website content.
- Any interruption or unavailability of the website.
- Any decisions made based on information presented on this website without direct consultation with an advisor.
5. Intellectual Property
The content of this website, including text, images, logos, the Protecto® trademark, and design, is the property of Services Financiers Protecto Inc. and is protected by Canadian intellectual property laws. Any unauthorized reproduction or use is prohibited.
6. Links to Third-Party Websites
This website may contain links to websites operated by third parties. We do not control the content of these websites and assume no responsibility for them. These links are provided for convenience only.
7. Privacy
The collection and use of your personal information are governed by our Privacy Policy.
8. Complaint Handling
If you are dissatisfied with our products or services, our complaint handling policy describes how to submit a complaint and the applicable processing timelines.
9. Governing Law
These terms are governed by and interpreted in accordance with the laws of the Province of Quebec and the applicable federal laws of Canada. Any disputes shall be submitted to the exclusive jurisdiction of the courts of Quebec.
10. Changes
We reserve the right to modify these terms at any time. Changes will take effect upon publication on this page. Your continued use of the website after the publication of changes constitutes your acceptance of the new terms.
11. Contact Us
For any questions about these terms, please contact us:
Services Financiers Protecto Inc. 3755-E Boul Matte, Brossard, Quebec J4Y 2P4 Email: [email protected] Phone: (514) 500-7220 | 1 844 776-6500