Terms and Conditions
www.compareyourtravelinsurance.ca (the website) is owned and operated by CYTI Developments Limited (us, we) whose registered address is: 2900 - 550 Burrard Street, Vancouver, BC V6C 0A3.
These are the terms and conditions which apply to your use of
our service and the Website. Please read them carefully. By
proceeding with access to our service and the Website, you
are deemed to have accepted these terms and conditions. We
reserve the right to vary the conditions of use at any time and
will post any variations on the Website.
About Us
We are Compare Your Travel Insurance, which is a trading name of CYTI Developments Limited. We offer a completely unbiased comparison service as we have no affiliation with the providers on our panel. They aren't owned by us (nor us by them), nor do we have any voting rights or financial investments with them.
Our Service To You
We are an online-only travel insurance comparison website. We work hard to ensure that we have a wide selection of products from specialist insurance providers for you to research and compare.
We can’t offer you advice or make a recommendation on what policy is right for you, but we do try and give you all the information you need to help you decide.
Our service is only available to Canadian residents. By using our service, you are also deemed to have accepted our privacy terms as set out in our Privacy Policy and Cookie Policy.
How Our Service Works
You will be asked to answer a number of questions on the Website. These questions are designed to ensure that we, and the insurance providers on our panel, have all the information necessary to provide you with products that meet your criteria. We cannot guarantee a quote for every circumstance.
It is your responsibility to ensure the information you submit is true, complete, accurate, and not misleading. Failing to do so could invalidate your policy or result in a claim being rejected by your insurance provider.
We aggregate quotes in real-time. We cannot hold quotes and accept no
responsibility for any change in price or cover levels made by insurance providers. It is your responsibility to check that quotes are valid at the time of arranging cover.
Please be aware, that whilst we provide information on a wide range of travel insurance products or services, there may be other products or services available in the market that are not shown on the Website and which may be more appropriate or suitable for you.
Policy Documents
Following successful payment of your policy, you will receive documentation of the insurance policy purchased via the Website electronically.
In the event you do not receive your insurance documentation, please contact us and quote your policy number. Upon receipt, it is important to check your policy documentation to make sure it covers you adequately and that all information is true and correct. You must report errors or mistakes to us before travel commences.
Claiming Against Your Policy
In the event you require overseas medical assistance, or want to make a claim against your policy, you will need to refer to your policy documentation for contact details or get in touch directly with your insurance provider.
Use of the Website
We reserve the right to change, modify, substitute, suspend or remove any material or content on the Website without notice, from time to time without there being any liability on our part. You further accept that such changes may result in your being unable to access the Website or part of it.
We may have to suspend the Website from time to time to carry out maintenance and to make upgrades. The Website is intended for your personal non-commercial use only. You agree to use the Website only for lawful purposes, and in a manner that does not infringe the rights or, restrict or inhibit the use of this Website by any third party.
You agree not to interfere or gain entry to the Website with intent to corrupt, damage or deny service. You may operate a link to the Website provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, as determined by us. You must not operate a link to this Website in such a way as to suggest or imply
any form of association, approval or endorsement by us without prior written consent. We reserve the right to withdraw any linking permission at any time.
You are not permitted to use the Website:
- To harm, threaten, abuse, embarrass, defame, libel, intimidate or harass another person in a way that invades another person’s privacy or is obscene, offensive, hateful, indecent, inappropriate, objectionable, unacceptable, discriminatory or
damaging as determined by us. - To create, check, confirm, update, modify or amend your own or another person’s databases, records or directories.
- To tamper with, modify, reverse engineer or amend any part of the Website.
- Using any automated software, process, program, robot, web crawler, spider, data mining, trawling or other ‘screen scraping’ software, process, program or system.
Your Obligations
You agree to take reasonable precautions to ensure that any data you submit to the Website is true and accurate and free from viruses and anything else, which may have a contaminating or destructive effect on any part of the Website or any other technology.
You must ensure that all data you provide on the Website is correct, complete, accurate, and not misleading and that you disclose all relevant facts. 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 they understand how their details will be used.
Availability of Site
We have taken great care in preparing the Website but given the unpredictability in technology, matters may arise that are beyond our control. Therefore, we cannot guarantee the function, operation or accessibility of the Website will be uninterrupted or error free, that defects will be corrected or that the Website will be free of viruses
or other harmful elements. Occasionally access may be suspended or restricted to enable us to repair, maintain or update the Website.
The colours we use, as well as the display colour capabilities of your particular computer monitor, will greatly affect what you can actually see on the screen. We cannot be held responsible for the limitations of technology and cannot guarantee that your monitor’s display of any colour, texture, or detail graphics or visual elements of the Website will be accurate.
Intellectual Property
The Copyright and all other intellectual property rights in the material contained in the Website, together with the website design, text graphics, and their selection and arrangement, all software complications, underlying source code and software
belong to us or our licensors. All rights are reserved. None of this material may be reproduced or redistributed without our prior written permission. You may, however, download or print a copy for your own non-commercial personal use.
Disclaimer
Every effort is made to ensure that this website is accurate and up to date and it is our aim to correct errors or omissions as soon as possible. However, on occasion there may be an error in the price or type of insurance shown. In this case, our insurance providers reserve the right to cancel or amend any contract entered into with you. This would be without liability to you and a refund would be provided where
applicable.
Nothing within the Website is or should be considered as financial or other advice or a recommendation to purchase any product or service. We recommend that independent professional advice is sought before you purchase any product/service from this website. You should always check the suitability, adequacy and appropriateness of the product that is of interest to you. It is your sole decision to obtain or refrain from obtaining any product this Website refers to.
Nothing on the Website is, or shall be deemed to constitute an offer by us 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 insurance provider on its terms and conditions.
Exclusions of Liability
We use reasonable endeavours to ensure that the data on the Website is accurate and undertake to correct any errors or omissions. However, we do not guarantee that the Website will be fault free and we do not accept liability for any errors or omissions.
We do not accept any responsibility or liability for any loss damage you may suffer or incur if any information, content, material or data you provide on the Website is not correct, complete and accurate or if it is misleading or if you fail to disclose all relevant facts.
Views expressed on third party sites about the products and brands available on this Website do not represent our views or the views of our associated companies, and we are not responsible or liable for the accuracy or content of any such views or expressions.
We do not give any warranty that the Website is free from viruses or other harmful elements, which may affect any technology. Due to the nature of electronic transmission of data over the Internet, any liability we may have for any losses or claims arising from an inability to access the Website, or from any use of the Website or reliance on the data transmitted using the Website, is excluded to the fullest extent permissible by law.
Force Majeure
If we are unable to perform our obligations to you (or able to
perform them only at unreasonable cost) because of
circumstances beyond our control, we may then cancel or
suspend any of our obligations to you, without liability.
Examples of those circumstances include act of God, accident,
explosion, fire, transport delays, strikes and other industrial
disputes.
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