Terms of Use

Effective Date: July 1, 2025
Website: www.elkove.ca
Company: Elkove Inc.
Location: Toronto, Ontario, Canada

1. Acceptance of Terms

By accessing and using this website (the “Site”), you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any part of these terms, please do not use the Site.

2. About Elkove

Elkove Inc. (“Elkove”, “we”, “us”, or “our”) is an insurance brokerage based in Toronto, Ontario. Our services include facilitating insurance products and providing general insurance-related information.

3. No Professional Advice

The information provided on this Site is for general informational purposes only and does not constitute insurance, legal, tax, financial or other professional advice. Always consult directly with a licensed insurance broker for personalized recommendations and binding quotes.

4. Use of the Site

You agree to use the Site lawfully and only for its intended purposes. You may not:

• Interfere with the security or functionality of the Site.
• Attempt to gain unauthorized access to systems or data.
• Use automated tools (e.g., bots, scrapers) to collect data from the Site.

5. Intellectual Property

All content on this Site, including logos, branding, text, and images, is the property of Elkove or its licensors and is protected by Canadian and international copyright and trademark laws. You may not reproduce or reuse this content without prior written permission.

6. Third-Party Links

The Site may contain links to third-party websites. These links are provided for convenience only, and Elkove is not responsible for the content, security, or practices of those external websites.

7. Limitation of Liability

The Sites and all content on the Sites are provided “as is” and Elkove disclaims all warranties of any kind, either express or implied, including all warranties of merchantability and fitness for a particular purpose. 

To the fullest extent permitted by law, Elkove will not be liable for any direct, indirect, incidental, or consequential damages resulting from the use or inability to use the Site, even if we were advised of the possibility of such damages.

8. Privacy

Your use of this Site is also subject to our Privacy Policy, which explains how we collect, use, and protect your personal information. Please read it carefully.

9. Email Communication 

By providing us with your email you consent to communicating with us by email and agree to the terms of our Email Communication Policy which forms part of our Privacy Policy. Please review it to understand your rights and our responsibilities regarding electronic communications.

 10. Governing Law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada. Any disputes arising in connection with these Terms shall be resolved in the courts of Ontario.

11. Changes to Terms

Elkove may update these Terms of Use from time to time. We encourage you to review this page periodically. Continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

12. Contact Us

If you have any questions about these Terms, please contact us at: