Terms of Service
Last updated: September 3, 2026
These Terms of Service govern your use of the Smile Insurance website. By accessing or using this site, you agree to these terms. If you do not agree, please do not use the site.
Use of this website
This website is provided for informational purposes to help you learn about insurance and investment products offered through Smile Insurance, and to request a quote or consultation. You agree to use the site only for lawful purposes and not to misuse any content, forms, or functionality.
Educational content, not a policy or advice
Content on this site — including product pages, blog posts, and FAQs — is general educational information. It does not constitute insurance advice, a quote, an offer of coverage, or a binding agreement, and it does not replace a conversation with a licensed advisor about your specific circumstances.
Actual coverage, eligibility, pricing, and terms are determined by the applicable insurance carrier through its own underwriting process, not by this website.
Accuracy of information
We aim to keep information on this site accurate and current, but insurance products, regulations, and provincial health plan coverage can change. We do not guarantee that all content is complete, current, or error-free, and recommend confirming specific details with an advisor before making a decision.
Third-party links
This site may link to third-party websites (such as insurer or government sites) for reference. We do not control and are not responsible for the content or practices of those external sites.
Intellectual property
The content, design, and branding on this website belong to Smile Insurance and may not be copied, reproduced, or distributed without permission.
Limitation of liability
To the extent permitted by law, Smile Insurance is not liable for any damages arising from your use of, or inability to use, this website, or reliance on information provided on it.
Governing law
These terms are governed by the laws of the province in which you reside among Alberta, British Columbia, or Ontario, and the applicable federal laws of Canada.
Changes to these terms
We may update these terms from time to time. Continued use of the site after changes take effect constitutes acceptance of the updated terms.
Contact us
Questions about these terms can be directed to info@smileinsurance.ca or (778) 601-5001.