Chatbot Terms and Conditions

Terms of Service for Instant Risk Coverage Support Bot  

Effective Date: May 22, 2024  

By using our Chatbot, you agree to the following terms and conditions. Please read them carefully.   

1. Disclaimer of Warranties 

The Instant Risk Coverage support chatbot (the “Chatbot”) is provided on an “as is” and “as available” basis without warranties of any kind, either communicated or implied. Instant Risk Coverage, its affiliates, and their respective officers, directors, employees, agents, suppliers, or licensors make no representations or warranties of any kind regarding the operation or availability of the Chatbot or the information, content, materials, or products included therein. This includes, but is not limited to, implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Instant Risk Coverage does not warrant that the Chatbot will be uninterrupted, error-free, secure, or that any defects or errors will be corrected. To the fullest extent permissible by applicable law, all such warranties are hereby disclaimed. 

2. Limitation of Liability 

Instant Risk Coverage shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or in connection with the use or inability to use the Chatbot, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses, whether based on warranty, contract, tort (including negligence), or any other legal theory, even if Instant Risk Coverage has been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, so the above limitation may not apply to you. 

3. Accuracy of Information 

 The Chatbot is designed to provide general information based on Instant Risk Coverage’s internal documentation. While we strive to provide accurate and up-to-date information, Instant Risk Coverage does not assume any responsibility for the accuracy, completeness, or usefulness of any information provided by the Chatbot. The Chatbot is intended to offer general guidance and should not be relied upon for professional advice, including but not limited to legal, medical, financial, or insurance matters. Users are solely responsible for verifying any information before relying on it. We encourage you to consult the official policies, documentation, and contracts to ensure that the information provided by the Chatbot matches the official documents. In case of any discrepancy, the official document supersedes the information provided by the Chatbot. 

4. User Responsibility 

Users are solely responsible for their actions and decisions based on the Chatbot’s responses. The Chatbot is not a substitute for professional advice and should not be relied upon for legal, medical, financial, or any other professional advice. Users agree to use the Chatbot at their own risk and hold Instant Risk Coverage harmless from any claims, damages, or expenses arising from their use of the Chatbot. Instant Risk Coverage shall not be held liable for any actions taken by users in reliance on the Chatbot’s information or advice. 

5. No Professional/Legal/Insurance/Policy Advice 

The Chatbot does not provide professional advice, including but not limited to legal, medical, financial, insurance, or policy advice. The information provided by the Chatbot is for general informational purposes only and should not be relied upon as professional advice. Users are strongly encouraged to consult with a qualified professional for specific advice tailored to their individual circumstances. Instant Risk Coverage shall not be liable for any actions taken or decisions made based on the information provided by the Chatbot. 

6. Modification and Termination  

Instant Risk Coverage reserves the right to modify, update, suspend, or terminate the Chatbot service at any time without notice. This includes, but is not limited to, adding or removing features and functionalities. Users agree that Instant Risk Coverage shall not be liable to them or any third party for any modifications, updates, suspensions, or discontinuations of the service. 

7. User Data and Privacy 

Instant Risk Coverage is committed to protecting your privacy. Your use of the Chatbot is subject to our Privacy Policy, which is available at [insert link to Privacy Policy]. By using the Chatbot, you consent to the collection, use, and disclosure of your personal information as described in our Privacy Policy. Users are encouraged to review the Privacy Policy to understand how their data is collected, used, and protected. 

8. Prohibited Uses 

Users agree not to use the Chatbot for any illegal or unauthorized purposes, including but not limited to violating any local, provincial, federal, or international laws. Specifically, users agree not to: 

– Engage in fraudulent or illegal activities using the Chatbot. 

– Harass, threaten, or intimidate others through the Chatbot. 

– Infringe on the intellectual property rights of others using the Chatbot. 

– Transmit or store any content that is harmful, threatening, abusive, defamatory, or otherwise objectionable. 

– Use the Chatbot in any manner that violates the rights of others. 

9. Third-Party Links  

The Chatbot may contain links to third-party websites or services. Instant Risk Coverage disclaims any responsibility or liability for the content, practices, or availability of these third-party websites or services. Users access third-party links at their own risk, and Instant Risk Coverage does not endorse or make any representations about such content or services. Any damages or losses incurred from using third-party websites or services are solely the user’s responsibility. 

10. Governing Law and Jurisdiction  

These Terms of Service shall be governed by and construed in accordance with the laws of the province of Ontario. Any disputes arising from the use of the Chatbot shall be resolved through binding arbitration in accordance with the rules outlined by the Government of Ontario. The arbitration shall take place in Toronto, and the language of the arbitration shall be English. The decision of the arbitrator(s) shall be final and binding, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. Notwithstanding the foregoing, Instant Risk Coverage reserves the right to seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property or confidential information. 

11. Indemnification 

Users agree to indemnify, defend, and hold harmless Instant Risk Coverage, its affiliates, officers, agents, employees, and licensors from and against any and all claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to their use of the Chatbot, breach of these Terms of Service, or violation of any law or the rights of a third party. This obligation will survive the termination of these Terms of Service and your use of the Chatbot. 

12. Intellectual Property 

The Chatbot, including but not limited to its software, graphics, user interface, and documentation, is the exclusive property of Instant Risk Coverage and is protected by Canadian and international copyright, trademark, patent, trade secret, and other intellectual property laws. Users are granted a limited, non-exclusive, non-transferable license to use the Chatbot for personal, non-commercial purposes only. This license does not grant users any rights to the underlying software, source code, or any other proprietary information. Any unauthorized use, reproduction, modification, distribution, or sale of the Chatbot or its components is strictly prohibited and may result in legal action. 

13. Changes to Terms 

Instant Risk Coverage reserves the right to modify these Terms and Conditions at any time, at its sole discretion. Users will be notified of any material changes through appropriate channels, such as updates on our website or direct communication. It is the user’s responsibility to review the Terms and Conditions periodically for any updates. Continued use of the Chatbot following the effective date of any changes constitutes acceptance of those changes. If you do not agree to the revised terms, you must discontinue using the Chatbot immediately. 

14. Entire Agreement 

These Terms and Conditions constitute the entire agreement between you and Instant Risk Coverage regarding the use of the Chatbot and supersede all prior or contemporaneous agreements, whether written or oral. 

15. Acceptance 

By using the Instant Risk Coverage Chatbot, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.   

16. Contact Information  

For any questions or concerns regarding the Chatbot or these terms, please contact us at:  


Phone Number:  1 (800) 517-1390