Terms of Use

Effective Date: April 3, 2026

1. Eligibility and Jurisdiction

The Site and Services are intended for residents of Canada, excluding Quebec, who are 18 years of age or older.

This Site is operated from the Province of Manitoba, Canada and is intended to comply with the laws of Manitoba and the federal laws of Canada.

By using this Site, you confirm that all information you submit is accurate and truthful.

2. Purpose of Services

RateSaving Scout is a lead generation and marketing service that connects individuals interested in life insurance products with licensed insurance agents and brokers in Canada.

We are not an insurance company, broker, agent, or financial advisor, and we do not sell insurance policies or provide insurance advice.

3. Consent to Contact

By submitting your information through this Site, you expressly consent to be contacted by licensed insurance agents, brokers, or partners by:

• Phone calls
• Emails
• SMS/text messages
• Automated dialing systems where permitted by law

These communications may relate to life insurance or other insurance products.

You may withdraw your consent at any time by contacting the insurance professional who contacted you or by contacting us directly.

All communications are subject to Canada's Anti-Spam Legislation (CASL) and applicable privacy laws.

4. Lead Distribution and Data Sharing

By submitting your information, you acknowledge and agree that:

• Your information may be shared with one or more licensed insurance professionals
• These professionals may contact you regarding insurance products
• Your information may be shared on more than one occasion
• Your information may be shared over time
• Your information may be resold or redistributed to licensed insurance professionals

5. No Insurance or Financial Advice

All content on this Site is for informational purposes only. We do not provide insurance, financial, or legal advice.

Any insurance quotes, recommendations, or policies are provided solely by licensed insurance professionals, and we are not responsible for their advice or services.

6. Third-Party Insurance Professionals

We do not control and are not responsible for:

• Insurance agents, brokers, agencies, or insurance companies
• Their advice, pricing, or communications
• Their compliance with applicable laws
• Their handling of your data after they receive it

Any interactions or agreements you enter into are solely between you and that insurance professional.

7. No Guarantee of Quotes or Coverage

Submitting your information does not guarantee that you will be contacted, receive a quote, qualify for insurance, receive any specific rate, or receive coverage.

8. Limitation of Liability

To the maximum extent permitted by law, Verity Growth and RateSaving Scout shall not be liable for any damages arising from:

• Being contacted by insurance professionals
• Multiple insurance professionals contacting you
• Insurance quotes or policies
• Advice provided by insurance professionals
• Losses resulting from insurance decisions
• Any indirect or consequential damages

Total liability shall not exceed $100 CAD.

9. Indemnification

You agree to indemnify and hold harmless Verity Growth from any claims arising from your use of the Site, your submission of information, your interactions with insurance professionals, or your violation of any laws or regulations.

10. Governing Law

These Terms are governed by the laws of the Province of Manitoba and the federal laws of Canada. Any disputes shall be resolved in the courts of Manitoba, Canada.

11. Contact Information