Terms of Service

Acceptance of the Website Terms and Conditions of Use

These Terms of Service form a binding agreement between users and Oneday TPA Inc. governing access to www.onedaypro.co. By using the site or clicking "I ACCEPT," you agree to comply with these Terms and the Privacy Policy. If you do not agree, do not access or use the Website.

Users must be of legal age and hold or be applying for a valid Canadian insurance licence to access the platform.

Modifications to the Terms and to the Website

Oneday reserves the right to revise Terms at any time, with modifications becoming effective immediately upon posting. Continued use constitutes acceptance. The company may change, withdraw, or terminate Website content without notice and assumes no liability for unavailability.

Life-Insurance Content and Professional Use

The Website provides materials and decision-support resources for licensed insurance professionals. The company strives for accuracy but users remain responsible for regulatory compliance. The site explicitly clarifies that nothing constitutes underwriting advice, legal advice, accounting advice, or tax advice.

Life-Insurance Quotes and Brokering

Oneday TPA Inc. operates as a licensed Managing General Agency / Third-Party Administrator but does not underwrite policies. Premium quotes are non-binding, with final rates determined by the issuing insurer. Product availability varies by province and insurer appointments.

Regulatory Notice

In Ontario, the Financial Services Regulatory Authority of Ontario (FSRAO) oversees life-insurance distribution. Users remain responsible for maintaining required provincial licences and errors-and-omissions insurance.

Your Use of the Website and Security

Users must provide accurate, current, and complete information during registration. They bear responsibility for maintaining login credential confidentiality and all account activities. Users agree not to attempt to circumvent the Website's security features or to introduce malicious code. Internet transmission carries inherent risks that the company cannot guarantee against.

Intellectual Property Rights and Ownership

The Website and all contents are owned by Oneday or its licensors and protected by intellectual-property laws. Users may use materials solely for personal, non-commercial business with Oneday. The company prohibits modification, copying, distribution, transmission, display, reproduction, publication, licensing, derivative works, or sales of Website information without prior written consent.

User Submissions and Interactive Functions

Submitted content must comply with applicable law and not infringe third-party rights. By submitting content, users grant Oneday a worldwide, royalty-free, perpetual licence to use, reproduce, modify, display, and distribute that content. Users waive moral rights to the extent permitted by law.

Acceptable-Use Standards

Users may not:

1. Violate any applicable federal, provincial, local, or international law
2. Attempt unauthorized Website or server access
3. Introduce viruses, trojan horses, worms, logic bombs, or harmful material
4. Impersonate Oneday or other users
5. Transmit unsolicited advertising or spam
6. Restrict or inhibit anyone's Website use or enjoyment
7. Collect or track others' personal information without consent

Violations may result in access suspension or termination.

Site Monitoring and Enforcement

Oneday reserves rights to remove or refuse user content, disclose identity or information when required by law, take necessary action regarding Terms violations, and terminate or suspend access for violations.

Third-Party Websites

The Website may link to third-party sites, but Oneday assumes no responsibility for their content or accuracy. Linking does not imply endorsement, and users access third-party sites at their own risk.

Geographic Restrictions

The Website targets Canadian users. Accessing the site from jurisdictions where its content is illegal is prohibited.

Disclaimer of Warranties

The Website is provided "AS IS" and "AS AVAILABLE," without express or implied warranties, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

To the fullest extent permitted by law, Oneday and associated parties will not be liable for indirect, incidental, special, consequential, or punitive damages from Website use or inability to use it.

Indemnification

Users agree to defend, indemnify, and hold harmless Oneday, its affiliates, and their respective officers, directors, employees, and agents from claims, liabilities, damages, costs, and expenses arising from Terms violations or Website misuse.

Governing Law and Jurisdiction

These Terms are governed by Ontario provincial and Canadian federal laws. Any legal action must be brought exclusively in Ontario courts, and users irrevocably submit to their jurisdiction.

Waiver & Severability

Oneday's waiver of any term provision does not constitute continuing waiver. If any provision is held invalid, remaining provisions continue in effect.

Entire Agreement

These Terms and the Privacy Policy constitute the entire agreement between users and Oneday regarding the Website, superseding all prior agreements.

Contact Information