These terms of use (“Terms of Use”) set out the conditions under which you can use the website located at www.demano.ca (“Platform”).

When you submit an insurance quote request via our Platform, you agree to be bound by our Terms of Use and to comply with them. If you do not agree to the Terms of Use, in whole or in part, please stop using the Platform immediately.

If you have any questions or technical problems, please contact us by email at the following address: service@demano.ca .


Unless the context requires otherwise, the following words and expressions are defined as follows:


We will not be providing any insurance brokerage services, nor will we be furnishing any insurance coverage. We do not offer any financial products or services.

Our role is exclusively limited to acting as an intermediary between the Prospects, the insurers and the firms with which we have entered into partnership agreements. In particular, our role is limited to providing you, via the Platform, with insurance quotes from insurers and to transmit those quotes to a Firm, together with related information, so the Firm may then attend to you with a view to providing you with insurance coverage.

We are in no way liable for services provided following the establishment of a business relationship via our Platform. In addition, we make and give no recommendations, suggestions, representations or specific guarantees in that regard. Innovation is not a party to any offers, commitments or insurance contracts that may be concluded following your use of the Platform, and assumes no liability in this regard, nor with respect to any representations made by our Partners.

We use cookies to facilitate navigation on the Platform and to ensure its proper functioning. A cookie is a very small text file automatically stored on the hard disks of computers used by visitors to the Platform. For further information in this regard, please refer to our Privacy Policy.


You acknowledge and agree that we hold all rights to, titles to and interests in the Platform, including all intellectual property rights contained within the Platform, regardless of whether these rights are registered and regardless of where they are located. It is important to bear in mind that all of the Platform’s content and all information and data contained in it or in any communications we send you from time to time or as needed are protected by intellectual property laws.

Nothing in these Terms of Use gives you any rights to the Platform, other than that which is necessary to give you access permission.

The use of any trademarks or any other content in the Platform is strictly prohibited, as is any reproduction, modification, exploitation, distribution, etc. Nothing in the Platform should be construed as granting a licence or a right to use any trademark or content found therein without our written permission.


Upon receipt of your request, we will provide you with quotes obtained from our Partner insurers, based on the information provided by you. The insurance rates in the quotes will be for information purposes only. We will then send your quote request to a Firm. In this regard, our obligations to you will exclusively be obligations of means. Accordingly, our only obligation will be to take steps to put you in contact with a Firm willing to help you to obtain insurance coverage that meets your criteria and to provide you with a final insurance rate, based on your declarations. However, we cannot be held liable and you will absolve us of any liability if:

In the interests of clarity, we are not liable for any damages of any kind or for any inconvenience, either direct or indirect, arising from the establishment (or non-establishment) of a relationship between a Firm and you, either due to our efforts or arising from the use or operation of the Platform. .
Moreover, you undertake to complete your insurance quote request and to provide information in good faith, in an honest, accurate and timely fashion and to the best of your knowledge. Otherwise, we reserve the right to not follow up on your request, and you will assume full responsibility for any insurance quote requests you submit on our Platform.


You are required to use the Platform responsibly. The following actions or conduct, in particular, are prohibited:

We reserve the right to restrict or rescind your rights of use in the event that you do not comply with these rules or if you misuse the Platform. In addition, we reserve the right to take legal action against you if you attempt to hinder or slow the Platform’s functioning, in whole or in part.


We may modify the content of the Platform, as well as suspend or terminate the activities of the Platform, at any time and at our sole discretion. We do not in any way guarantee the continuous accessibility of the Platform at all times or uninterrupted use.

You agree that the Platform is provided "as is" and "as available". We make no representations or warranties with respect to the Platform, its features and content, including, without limitation, the completeness, accuracy and currency of the content and any guarantee of satisfaction, performance or fitness for a particular purpose, that the Platform will meet your needs and expectations, etc. We cannot be held responsible for service interruptions, delays, server failures, technical problems, loss or theft of data. However, it is specified that Innovation remains responsible to the Prospect as manager of the data that the Prospect has entrusted to it.

To the extent permitted by law, we assume no liability arising from any error or inaccuracy in any content of the Platform, the unavailability of the Platform for any reason and any representation or statement made on it.

Given the nature of the Platform, links to websites operated by other organizations may appear. We are not responsible for the content of these other sites nor endorse their content or message. We accept no liability for any inconvenience or damage that may result.


You agree and undertake to hold us harmless and indemnified from any damages, expenses, claims, complaints, lawsuits, liability or actions arising directly or indirectly from any damages resulting from use of our services or our Platform, unless these damages are directly and exclusively attributable to our grave error or gross negligence.

You release us from any potential liability arising from any claims, lawsuits, complaints, actions, requests and damages in line with disputes involving other third parties.


You agree that these Terms of Use will be governed by and interpreted in accordance with the laws of the Province of Québec, that any resulting dispute or cause of dispute will have arisen in the judicial district of Québec City and that only the courts of the judicial district of Québec City will have jurisdiction to hear any disputes arising directly or indirectly from these Terms of Use.


We may make amendments to these Terms of Use. The updated version of the Terms of Use will be published on the Platform. The changes will automatically take effect 60 days following their publication. Your use of the Platform following that 60-day period will be tantamount to acceptance of the new Terms of Use. You are responsible for consulting the Terms of Use from time to time to see whether any changes have been made.


Each provision of these Terms of Use forms a distinct whole, so that any court decision rendering null and void one of the provisions hereof will not affect the validity or enforceability of the other provisions. Our failure to exercise or to request the application of any right recognized by the Terms of Use or by the Privacy Policy will not constitute a waiver of said right or the provision in question.

The Terms of Use, the Privacy Policy and the updates thereto constitute the entire agreement entered into by you and us in line with use of the Platform and replace any prior representations, declarations or other communications not contained herein.

You may not assign or otherwise transfer any of your rights, in whole or in part, set out in the Terms of Use and the Privacy Policy.


We will use your personal information solely as set out in our Privacy Policy, which is an integral part of these Terms of Use. If you do not want your personal information to be transmitted or used as set out in our Privacy Policy, please do not use the Platform.


In the event of any differences of meaning or interpretation between the original French-language version of these Terms of Use and a translation, the original French-language version shall prevail.