SecureMyOffer.com

Last updated: March 12, 2026

1. About SecureMyOffer

SecureMyOffer (“SecureMyOffer”, “SMO”, “we”, “us”, or “our”) is a Canadian insurance business based in Ontario that offers insurance-related products and services to eligible customers in Canada, excluding the Province of Quebec, and subject to applicable federal and provincial laws, regulatory requirements, and licensing restrictions.

This website (the “Website”) is intended for use only by individuals located in Canada outside Quebec.

SecureMyOffer provides technology and services that may facilitate access to insurance products offered by licensed insurers.

2. Acceptance of These Terms

By accessing or using this Website, submitting information, creating an account, or completing a transaction, you agree to be bound by these Terms and Conditions (“Terms”).

If you do not agree to these Terms, you must not use the Website.

We may amend these Terms from time to time. The most current version will be posted on the Website. Continued use of the Website after any changes constitutes acceptance of the revised Terms.

3. Privacy Policy

Your use of the Website is also subject to the SecureMyOffer Privacy Policy, which describes how personal information is collected, used, and disclosed.

By using the Website, you consent to the collection, use, and disclosure of your information in accordance with that policy.

4. Eligibility and Age Requirement

The Website is intended only for individuals who are at least the age of majority in their province or territory of residence.

By using the Website, you represent that you meet this requirement.

5. Electronic Communications

By using the Website, you consent to receive communications, disclosures, notices, agreements, and documents electronically.

Electronic communications satisfy any legal requirement that such communications be in writing.

You may request paper copies where required by applicable law.

6. No Advice and No Reliance

The Website and all content are provided for general informational purposes only.

Nothing on the Website:

• constitutes insurance, legal, financial, tax, or accounting advice; or
• should be relied upon in place of reviewing actual insurance policy documents.

Only the terms set out in issued insurance policy documents govern coverage.

7. Insurance Distribution and Coverage

SecureMyOffer may act as an insurance intermediary or technology platform facilitating access to insurance products offered by licensed insurers.

Insurance policies referenced on the Website are issued by the applicable insurer identified in the policy documentation.

SecureMyOffer does not guarantee that any applicant will qualify for coverage.

No insurance coverage is created, bound, or in force unless and until:

• an application has been reviewed and approved; and
• written confirmation of coverage has been issued by SecureMyOffer or the applicable insurer.

Examples, illustrations, or descriptions on the Website do not form part of any insurance contract and do not amend policy terms.

SecureMyOffer does not guarantee the success of any real estate transaction or the acceptance of any offer.

8. Geographic Availability and Quebec Exclusion

SecureMyOffer does not offer products or services in the Province of Quebec.

None of the information on this Website is intended to constitute an offer or solicitation in Quebec.

If you are located in Quebec, you must not use this Website or submit information.

9. REALTOR® References

Where the Website references REALTORS®:

• REALTOR® refers solely to members of the Canadian Real Estate Association (“CREA”);
• references describe eligibility or intended audience only; and
• no endorsement, affiliation, or approval by CREA is implied.

Trademark Notice:

“The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA.”

10. RE/MAX® References and Trademark Use

SecureMyOffer may reference RE/MAX®, RE/MAX Canada, or affiliated real estate professionals in connection with marketing programs, referral programs, or service integrations available through the Website.

Where such references appear:

• RE/MAX® and the RE/MAX Balloon Design are trademarks owned by RE/MAX, LLC and are used under license or with permission.
• References to RE/MAX®, RE/MAX Canada, or RE/MAX affiliated brokers or agents are provided solely to describe program participation, referral relationships, or eligibility for certain services.

Unless expressly stated otherwise:

• SecureMyOffer is not owned by, operated by, or affiliated with RE/MAX, LLC or RE/MAX Canada.
• Use of RE/MAX trademarks does not imply endorsement, sponsorship, or approval of SecureMyOffer or its insurance products.

SecureMyOffer may participate in marketing or referral programs involving RE/MAX affiliated brokerages or agents. Any insurance products available through the Website are offered solely by SecureMyOffer or licensed insurers and not by RE/MAX or its affiliates.

SecureMyOffer does not provide real estate brokerage services and does not act as a real estate agent or brokerage.

11. Website Availability and Accuracy

The Website and its content are provided “as is” and “as available.”

We do not guarantee that:

• the Website will be uninterrupted, timely, secure, or error-free;
• information will be current, complete, or accurate; or
• defects will be corrected.

SecureMyOffer may suspend, modify, or restrict access to the Website or any services at any time without notice.

12. Acceptable Use

You agree not to:

• use the Website for unlawful, misleading, or fraudulent purposes;
• misrepresent your identity, eligibility, or geographic location;
• interfere with Website security, operation, or functionality;
• attempt to gain unauthorized access to systems or data.

You further agree that all information submitted through the Website, including personal details, transaction information, and insurance eligibility information, will be accurate, complete, and not misleading.

SecureMyOffer may restrict, suspend, or terminate access to the Website at its discretion if these Terms are violated.

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13. Payments and Online Transactions

SecureMyOffer accepts electronic payments, including credit cards, through third-party payment processors.

Payments are currently processed through Stripe.

SecureMyOffer does not store full credit card numbers.

Payment processing is subject to the terms and privacy policies of the applicable payment processor. SecureMyOffer is not responsible for service interruptions, errors, or outages caused by payment providers.

SecureMyOffer may change or add payment processors at any time.

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14. Fees, Charges, and Refunds

All applicable fees and charges will be disclosed prior to payment.

Refunds, if any, are governed by:

• applicable insurance policy terms; and
• federal and provincial laws.

Certain administrative or transaction fees may be non-refundable except where required by law.

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15. Third-Party Services and Links

The Website may contain links to or references to third-party services or websites.

SecureMyOffer does not control and is not responsible for the content, availability, or practices of those services.

16. Intellectual Property

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All Website content, excluding third-party trademarks, is owned by or licensed to SecureMyOffer and protected under Canadian intellectual property laws.

Unauthorized reproduction, distribution, or use of Website content is prohibited.

Third-party trademarks referenced on the Website remain the property of their respective owners.

17. Limitation of Liability

Your use of third-party services may be subject to their own terms and privacy policies.
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To the maximum extent permitted by law, SecureMyOffer will not be liable for any loss or damage arising from:

• use of or inability to use the Website;
• reliance on Website content;
• errors, omissions, or inaccuracies in Website information;
• service interruptions, delays, or technical failures.

This limitation includes indirect, incidental, consequential, and special damages.

• system failures
• telecommunications disruptions
• regulatory actions
• natural disasters
• labour disputes
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18. Consumer Rights

Nothing in these Terms limits any rights or remedies you may have under applicable consumer protection legislation that cannot be excluded by contract.

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SecureMyOffer is not responsible for delays or failures caused by events beyond its reasonable control, including:

19. Force Majeure

20. Relationship

Nothing in these Terms creates any partnership, agency, fiduciary, or joint-venture relationship between you and SecureMyOffer.

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21. Assignment

SecureMyOffer may assign or transfer these Terms in connection with a corporate reorganization, financing, merger, or sale of assets.

You may not assign these Terms without our prior written consent.

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22. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

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23. Governing Law and Jurisdiction

These Terms are governed by the laws of the Province of Ontario and the laws of Canada applicable therein, without regard to conflict-of-laws principles.

You agree to submit to the exclusive jurisdiction of the courts of Ontario.

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24. Contact Information

Questions regarding these Terms may be directed to:

SecureMyOfferEmail: privacy@securemyoffer.com

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