Terms and Conditions

Terms & Conditions

This document represents our Terms of Use and Sale (“Agreement”) regarding our website, www.Obvi.ca (“Website”). The terms, “we” and “our” as used in this Agreement refer to Obvi Inc. (“Obvi”).

We may amend this Agreement at any time by posting the amended terms on our Website. We may or may not post notices on the homepage of our Website when such changes occur.

We refer to this Agreement, our Privacy Policy, and any other terms, rules, or guidelines on our Website collectively as our “Legal Terms.” You explicitly and implicitly agree to be bound by our Legal Terms each time you access our Website. If you do not wish to be so bound, please do not use or access our Website.

Limited License

Obvi grants you a non-exclusive, non-transferable, revocable license to access and use our Website in order for you to make purchases and related services through our Website, strictly in accordance with our Legal Terms.

Copyrights and Trademarks

Unless otherwise noted, all materials including without limitation, logos, brand names, images, designs, photographs, video clips and written and other materials that appear as part of our Website are copyrights, trademarks, service marks, trade dress and/or other intellectual property whether registered or unregistered (“Intellectual Property”) owned, controlled or licensed by Obvi. Our Website as a whole is protected by copyright and trade dress. Nothing on our Website should be construed as granting, by implication, estoppel or otherwise, any license or right to use any Intellectual Property displayed or used on our Website, without the prior written permission of the Intellectual Property owner. Obvi aggressively enforces its intellectual property rights to the fullest extent of the law. The names and logos of Obvi, may not be used in any way, including in advertising or publicity pertaining to distribution of materials on our Website, without prior, written permission from Obvi. Obvi prohibits use of any logo of Obvi or any of its affiliates as part of a link to or from any Website unless Obvi approves such link in advance and in writing. Fair use of Obvi’s Intellectual Property requires proper acknowledgment. Other product and company names mentioned in our Website may be the Intellectual Property of their respective owners.

Links to Third-Party Websites

Our Website may contain links to Websites owned or operated by parties other than Obvi. Such links are provided for your reference only. Obvi does not monitor or control outside Websites and is not responsible for their content. Obvi’s inclusion of links to an outside Website does not imply any endorsement of the material on our Website or, unless expressly disclosed otherwise, any sponsorship, affiliation or association with its owner, operator or sponsor, nor does Obvi’ inclusion of the links imply that Obvi is authorized to use any trade name, trademark, logo, legal or official seal, or copyrighted symbol that may be reflected in the linked Website.


Postings on our Website are made at such times as Obvi determines in its discretion. You should not assume that the information contained on our Website has been updated or otherwise contains current information. Obvi does not review past postings to determine whether they remain accurate and information contained in such postings may have been superseded. The information and materials in our website are provided for your review in accordance with the notices, terms and conditions set forth herein. These materials are not guaranteed or represented to be complete, correct or up to date. These materials may be changed from time to time without notice.

To the maximum extent permitted by the applicable law, Obvi disclaims all warranties, representations and conditions regarding use of the site or the information or other Website Content provided and all implied warranties or conditions of merchantability, fitness for a particular purpose, non-infringement, or accuracy, whether express or implied, or arising from a course of dealing, usage or trade practice.

The use of the site and the Website Content is at your own risk. To the maximum extent permitted by the applicable law, Obvi is not responsible for any content or information contained on the site, including but not limited to content or information that you may find undesirable or objectionable.

Without limiting the generality of the foregoing, Obvi makes no representation or warranty that: (i) the site or any component of the site (including, without limitation, the Website Content) will be compatible with your computer, mobile or other device and/or software; (ii) the site or any component of the site (including, without limitation, the Website Content) will be available or will function without interruption or error; (iii) the use of the site or any component of the website (including, without limitation, the Website Content), including, without limitation, the browsing and downloading of any information or material, will be free of any viruses, trojan horses, worms or other destructive, intrusive or disruptive components; (iv) the transmission of information to and from the site will be secure; (v) the use of the site or any component of the site (including, without limitation, the Website Content) will not infringe the rights (including, without limitation, intellectual property rights) of any person or entity; or (vi) the use of the site or any component of the site (including, without limitation, the Website Content) will not cause any damage to your computer, mobile or other device, software or electronic files.


Use of the Obvi Website is subject to the Obvi Privacy Policy.

Confidentiality warning

The Internet is not a secure medium and privacy cannot be ensured. Communications over the Internet are vulnerable to interception and forging. Obvi will not be responsible for any damages you or any third party may suffer as a result of the transmission of confidential information that you make to Obvi through the Internet, or that you expressly or implicitly authorize Obvi to make, or for any errors or any changes made to any transmitted information. Obvi will not be responsible for any damages you or any third party may suffer as a result of the transmission of confidential information that you make to Obvi or any other third party of whom you may have become aware as a result of accessing the site or by following a link to another site which is found on this site through the Internet.

Products and services

Some products or services mentioned on the site may only be available in certain areas or jurisdictions. Any products or services mentioned on the site are made available in accordance with local law and only where they may be lawfully offered for sale.

The information and descriptions contained on this site are not intended to be complete and accurate descriptions of all terms, conditions and exclusions of the product and services- in all cases, you must look to the specific terms and conditions or agreement applicable to the specific product or service. In all cases, the product and services shall be governed by the terms and conditions of the policy applicable thereto.

The site allows you to submit various information, including information regarding you, or the property you seek to insure, for the purposes of obtaining a quote for insurance coverage and/or for the purposes of purchasing products or services including insurance. For example, if you seek guaranteed asset protection insurance, we may ask you for information including your name, vehicle make and model. We use this information for the purposes of providing a quote for insurance, and for selling, providing or administering insurance or other products or services you choose to purchase, and as set out in our Privacy Statement. We rely on the information you provide on the site, and are not responsible if the information you provide is inaccurate in any way. Please note that, in some cases, you may be required to provide us with additional information in the form of a written application prior to receiving a quote or purchasing a product or service. We reserve the right to conduct property inspections to verify information provided.

Obvi reserves the right, in its sole and absolute discretion, to change the permitted methods of payment, including without limitation, the credit cards and/or other types of payment options we are able to accept, at any time.

Without limiting the generality of any other section of this Agreement, Obvi reserves the right to limit or refuse any purchase you place with us.

All purchases are subject to verification by Obvi at any time and for any reason. We reserve the right, in our sole and absolute discretion, to require proof of identity (in a form acceptable to Obvi: (i) for the purposes of verifying the legitimacy of any purchase and/or other information; and/or (ii) for any other reason we deem necessary, in our sole and absolute discretion, for the purposes of fulfilling an purchase in accordance with our interpretation of the terms and conditions of this Agreement and/or the specific terms.

Currency, Taxes, And Additional Charges

All prices and rates are in Canadian currency, unless otherwise expressly stated, and are in effect at the time of publication only and are subject to change without notice. Obvi reserves the right to change any price, rate or fare without notice at any time prior to date of purchase.

In accordance with appropriate regulations, Obvi may charge you a fee or service charge for products sold by Obvi or services performed on your behalf by Obvi, in addition to the insurance premium otherwise listed on the Obvi Website. These fees or service charges may be for, but are not limited to, premium financing, policy placement, document review, account setup or other reasons. We reserve the right to amend our fees & service charges at any time, but these fees will be disclosed where appropriate on the Obvi Website as part of the quoting process.

Unless otherwise expressly stated, all prices exclude all applicable sales taxes, tariffs, excise, and any other taxes or surcharges which may be imposed on Obvi.

Cancellation of Access

We may at any time, without notice, restrict or cancel your access to the Obvi Website if we reasonably feel that you are conducting improper or illegal activities on the Obvi Website.

Third-Party Social Media

Obvi’s use of social media serves as an extension of its presence on the Web. Social media accounts are public and are not hosted on Obvi’s servers. Users who choose to interact with us via social media such Facebook, Twitter, YouTube, LinkedIn and others should read the terms of service and privacy policies of these third-party service providers and those of any applications you use to access them.

No liability

To the extent permitted by the applicable law, Obvi is not responsible for any direct, indirect, special, incidental or consequential damage or any other damage whatsoever and howsoever caused, arising out of or in connection with the use of the site in reliance on the information available on the site, including any loss of use, lost data, lost profits, lost opportunities, expenses, business interruption, personal injury or any other pecuniary loss, whether action is in contract, tort (including negligence), extra-contractual liability or other tortuous action, even if Obvi is advised of the possibility of such damages, losses, or expenses.

Obvi disclaims any liability for unauthorized use or reproduction of any portion of the site.

Obvi makes no representation that content provided on our website, contracts, or related services are applicable or appropriate for use in all jurisdictions

Without in any way limiting the generality of the foregoing, in no event shall Obvi be liable to you or any person: (a) on account of your or that person’s use or misuse of or reliance on the Website Content, the information or other materials accessible on or via the site; or (b) for any loss or damage suffered as a result or in connection with the failure, malfunction, interruption, removal, change or modification of the site or the Website Content.

To the extent permitted by the applicable law, Obvi will not be responsible for any damages you or any third party may suffer as a result of the transmission, storage or receipt of confidential, personal or proprietary information that you make or that you expressly or implicitly authorize Obvi to make, or for any errors or any changes made to any transmitted, stored or received information.

The limitations specified above shall apply regardless of the causes or circumstances giving rise to the claim, even if such claim is based on breach of contract, negligence or other tort, and shall survive a fundamental breach or failure of essential purpose of any limited remedy, the failure of any exclusive remedy, or termination of this agreement. You expressly acknowledge that Obvi has entered into this Agreement with you and makes the site and each component of the site (including, without limitation, the Website Content) available to you, in reliance upon the limitations and exclusions of liability and the disclaimers set forth herein, and that the same form an essential basis of the agreement between you and Obvi.


You will indemnify and save harmless Obvi and its affiliates, and the officers, directors, employees, agents and representatives of each of them, (“Obvi Entities”), from and against any and all losses, claims, damages, actions, causes of action, costs and expenses that any of the Obvi Entities may sustain, incur, suffer or be put to at any time or times as a result of a third party claim or demand that in any way arise out of: i) the use of the site, and/or the Website Content; ii) your violation of any of the terms and conditions of this Agreement; iii) the infringement by you of any intellectual property or other right of any person or entity; and/or iv) out of anything done or omitted to be done by yourself, your servants, employees, agents, trustees, officers, subcontractors, or members relating directly or indirectly to this site or the Website Content.

Insurance Disclaimer

The information on this website is intended for general information and as an aid to understanding the products and services available through Obvi. It is not designed to provide specific financial, legal, or insurance advice.

This website contains information about coverages offered by Obvi but is not intended to list all the conditions and exclusions that apply to described coverages. Complete provisions, exclusions and limitations are set out in policy wording booklets, declarations and other insurance documents.

Obvi’s products and services are only available in the Canadian jurisdictions where they may be legally provided.

The products and services described on this website may change without notice. To ensure you have the most current and complete information, or if you have any questions, please us at

Obvi Inc.
Suite 300 – 4838 Richard Road SW
Calgary, AB, T3E 6L1

Attn: Office