Terms of Use

Effective date: September 16, 2026 Last updated: September 16, 2026

These Terms of Use (the "Terms") govern your access to and use of the CertificateIQ service. CertificateIQ is provided by Jacques Amzallag, an individual carrying on business as a sole proprietor under the CourtageIQ banner, whose mailing address is 4001 Crémazie Street East, Suite 100, Montréal, Québec H1Z 2L2, Canada ("CertificateIQ", "we", "us", "our").

By creating an account, dropping a document, or using the Service in any way, you agree to be bound by these Terms. If you accept these Terms on behalf of a brokerage, you represent that you have authority to bind it, and "you" then means that brokerage and its representatives.

If you do not agree to these Terms, do not use the Service.

1. The Service

CertificateIQ is a cloud software tool for licensed property and casualty insurance brokers in Canada (the "Service"). The broker drops a document issued by an insurer or a wholesaler (declarations page, policy, quote with its binding confirmation, endorsement). The Service extracts the relevant elements, presents them to the broker for confirmation, then produces a certificate of insurance or a cover note as a PDF carrying a verification code and a QR code. The broker can revoke any issued document at any time.

Nothing is typed in by hand: every document the Service produces originates from a source document read by the Service and confirmed by the broker.

We may change, add or remove features at any time. Material reductions to paid-plan features are announced at least 30 days in advance to active subscribers.

2. Who may use the Service

The Service is for professionals only. To create an account you must:

• be at least 18 years old;
• use a work email address at your brokerage's domain (consumer email providers are refused);
• hold a valid property and casualty insurance licence in every province shown on your profile, and tick the declaration to that effect;
• provide accurate, current information, including your name as it appears on your licence, your licence number(s) and your brokerage's name.

You are responsible for the confidentiality of your credentials and for all activity under your account. Notify us without delay at security@certificateiq.ca of any unauthorized access.

A false statement about your licence or your brokerage leads to closure of the account and revocation of the documents issued.

3. Brokerage verification

No document is issued before your brokerage is confirmed. Confirmation comes mainly from the source document itself: the insurer prints the brokerage of record on it, and the Service matches that brokerage to the domain of your work email, to a domain already confirmed, or to the brokerage's website. In the rare cases where that is not possible, the Service may offer a one-time identity check through Stripe Identity, or ask you to record a reason when the document names a brokerage other than yours.

A document naming another brokerage that is itself on CertificateIQ is held for review. We never query, copy or store any regulator's register. "Representative verified by CertificateIQ" means the Service confirmed the link between the broker, their work address and the brokerage printed on the document, and nothing more.

4. Your professional responsibility

4.1 The document is yours. The certificate or cover note is issued by you, in your name and under your licence, on behalf of your brokerage. CertificateIQ is a preparation tool; it is not an insurer, a brokerage or a representative, and it is not party to any insurance contract.

4.2 You confirm what is printed. The Service reads the source document with an artificial-intelligence model and submits every locked value (named insured, mailing address, insured locations and vehicles, insurers, policy number, period, brokerage) for your confirmation. The reading can be wrong or incomplete. You alone are responsible for checking every value, coverage and amount before issuing, exactly as you would for a document prepared by hand.

4.3 Warnings never block. The Service warns you when an amount exceeds the source, when a coverage was added, or when an endorsement was not ticked. On a cover note a written reason is required and logged. These warnings do not replace your judgment; the decision to issue is yours.

4.4 A cover note binds. You must only issue a cover note when coverage has actually been bound with the insurer and you hold the corresponding confirmation. The Service has no way to verify this and relies on your declaration.

4.5 Records. CertificateIQ is not the brokerage's file of record and does not replace your record-keeping obligations toward your regulator or your errors-and-omissions insurer. Keep your own copies.

5. Revocation and verification

5.1 Revoking is free, forever. On any plan, at any usage level, you can revoke a document you issued. Revocation is immediate and visible on the document's verification page. It does not by itself cancel the insurance contract; it only withdraws the certificate or cover note.

5.2 Verification page. Every issued document carries a verification code and a QR code leading to a public page that confirms its status (in force, revoked, superseded, expired) and shows its essential elements. For a personal-lines policy, amounts appear only after the last four characters of the number printed on the document are entered. Anyone you hand a document to may consult that page; by issuing, you consent to it.

5.3 Every language is included. A document can be issued or downloaded again in French, English or bilingual form, on any plan, at no extra cost.

6. Plans, fees and payment

6.1 Plans. The Service comes in three plans:

• Free: five document reads a month. Each issued document is downloadable for 24 hours; after that only the ledger entry behind its verification page is kept. Revocation, the verification page and every language are included.
• Pro: $30 CAD a month, or $300 CAD a year. Reads and issuing without limit. Issued documents kept, holders address book, clause library, renewal flagging, expiry alerts, email delivery.
• Firm: $25 CAD per seat per month, billed yearly, two seats minimum. Everything in Pro for each seat, with one inventory, one holders address book and one clause library shared across the brokerage. Seats are given by the paying account to colleagues' work email addresses.

The features of each plan are described in the Service and may evolve. Material changes to paid plans are announced at least 30 days in advance.

6.2 Fair use. Paid plans have no cap on reads. A volume that plainly departs from normal professional use may be reviewed by us and, if needed, discussed with you. We do not block an issue in progress for that reason.

6.3 Billing. By subscribing to a paid plan you authorize us and our payment provider Stripe to charge the recurring fees to the payment method provided. Subscriptions renew automatically at the end of each period unless cancelled beforehand. Prices are in Canadian dollars and exclude applicable taxes, which we collect where the law requires. Subscription fees are not subject to insurance premium tax.

6.4 Plan changes. Moving from Pro to Firm, or adding seats, takes effect immediately and the difference is prorated on the next invoice. Seats cannot be reduced below the number of people holding them.

6.5 Refunds. Fees are non-refundable except where the law requires. If you cancel mid-period, you keep access until the end of the paid period.

6.6 Failed payment. If a payment fails we notify you and retry for 14 days. Failing payment, the account moves to the Free plan. Documents already issued stay verifiable and revocable; the inventory is not deleted for the following 30 days.

7. Broker content

7.1 Ownership. You keep every right in the documents you drop and the documents you issue with the Service (the "Content"). We claim no ownership of the Content.

7.2 Operating licence. You grant us a limited, non-exclusive, worldwide licence to host, store, read, transform and transmit the Content only as needed to provide the Service to you: reading the source, producing the PDF, the verification page, sending by email at your request, retention according to your plan.

7.3 No AI training on your Content. We do not use the Content to train or improve any artificial-intelligence model, ours or a third party's. Our AI provider, Anthropic, is contractually bound not to train its models on data submitted through its API.

7.4 Personal information in the Content. Insurance documents contain personal information about your clients (named insureds, mortgagees, holders). For that information you are the controller under Quebec's Act respecting the protection of personal information in the private sector and we act as your service provider, on your instructions. You represent that you are entitled to collect that information and to entrust it to us for the Service. Our Privacy Policy describes this processing.

7.5 Reporting a reading error. When you report a reading error, a copy of the source document, of the reading and of your corrections is kept for review and to improve the reader. That copy serves that purpose only.

8. Artificial-intelligence features

Documents are read by an artificial-intelligence model provided by Anthropic. Reading is the core of the Service and cannot be turned off. The model proposes; code checks what can be checked (dates in order, subscription shares, word-for-word match against the document text); you confirm. No value reaches an issued document on the model's word alone.

Reading results can be inaccurate, incomplete or misleading. They are not insurance advice or legal advice. You alone are responsible for decisions made from them.

9. Acceptable use

You agree not to:

• issue a document for coverage that does not exist, is not in force or has not been bound;
• issue a document in the name of a brokerage or representative other than yourself, except with express authorization recorded in the Service;
• use the Service in breach of applicable law, including the Act respecting the distribution of financial products and services, the Insurers Act, the rules of the Autorité des marchés financiers or of any other provincial regulator, Law 25 or PIPEDA;
• drop documents you are not entitled to process;
• circumvent the Free plan's limits through multiple accounts;
• reverse-engineer the Service, access it by automated means or extract data from it other than through the export functions provided;
• harm the integrity or availability of the Service, or attempt to access someone else's account;
• resell or sublicense access to the Service.

We may suspend (freeze) or close an account that breaches this section. A frozen account keeps the ability to revoke its documents.

10. Accounts, states and closure

An account is Active from creation. It becomes Paused if the periodic reconfirmation of the work email address is not completed or if emails bounce; one click resumes it. We may Freeze it for a breach, immediately and reversibly. It is Closed at your request or after a prolonged period of inactivity, with notice.

On closure your access ends. Issued documents stay verifiable until they expire, and ledger entries are kept as set out in the Privacy Policy. You may export your inventory before closure.

11. Intellectual property

The Service, including its software, document templates, text, marks and design (excluding the Content), belongs to us or our licensors and is protected by Canadian and international law. We grant you a limited, non-exclusive, non-transferable, revocable right to use the Service under these Terms for the life of your account. All other rights are reserved.

The wording of system clauses (standard mortgage clause, notice of cancellation, and so on) is supplied as a template. You remain responsible for its fit with the policy and the holder's requirements.

12. Confidentiality

Each party protects the other's confidential information with at least the care it gives its own, and uses it only to perform these Terms. This obligation survives five years after termination, and indefinitely for trade secrets. Information that is public, already known, independently developed or lawfully received from a third party is not confidential.

13. Warranties and disclaimers

We use commercially reasonable efforts to keep the Service available at all times, subject to scheduled maintenance and circumstances beyond our control. We promise no particular uptime percentage.

EXCEPT AS EXPRESSLY STATED IN THESE TERMS, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR ACCURACY OF READINGS. WE DO NOT WARRANT THAT AN ISSUED DOCUMENT MEETS THE REQUIREMENTS OF ANY HOLDER, LENDER, INSURER OR REGULATOR.

Where a warranty cannot be excluded under applicable law, its duration is limited to ninety (90) days from your first use of the Service.

14. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, EACH PARTY'S TOTAL LIABILITY ARISING FROM THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE FEES YOU PAID US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED CANADIAN DOLLARS ($100 CAD).

NEITHER PARTY IS LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, BUSINESS OPPORTUNITY OR DATA, EVEN IF ADVISED OF THEIR POSSIBILITY. IN PARTICULAR, WE ARE NOT LIABLE FOR ANY CLAIM BY AN INSURED, A HOLDER, A LENDER OR AN INSURER BASED ON THE CONTENT OF A DOCUMENT YOU CONFIRMED AND ISSUED.

These limitations do not apply to breaches of confidentiality, infringement of intellectual property, indemnification obligations, gross negligence, wilful misconduct or fraud, or to any liability that cannot be limited by law. You acknowledge that the Service's fees reflect this allocation of risk and that the Service would not be provided without it.

15. Indemnification

You will indemnify, defend and hold us harmless from any third-party claim arising from: (a) a document you issued; (b) your breach of these Terms or of applicable law, including your regulator's rules; (c) the Content, including any allegation that it infringes a third party's rights; or (d) your gross negligence or wilful misconduct. We will notify you promptly of any claim, let you control its defence (with no settlement imposing an obligation on us without our written consent) and cooperate reasonably at your expense.

16. Term and termination

These Terms apply for as long as you have an account. You may close your account at any time from the Service or by writing to us. We may terminate or suspend your access immediately for a material breach not cured within fourteen (14) days of notice (or immediately if it cannot be cured), where the law requires, or if we stop offering the Service, in which case we give 60 days' notice and the ability to export your inventory.

Sections 4, 5.1, 7.1, 11, 12, 13, 14, 15, 16 and 17 survive termination.

17. Governing law and disputes

These Terms are governed by the laws of the Province of Québec and the federal laws of Canada applicable there. The parties first try to settle any dispute by direct discussion for thirty (30) days. Failing that, the dispute goes to the exclusive jurisdiction of the courts of Québec sitting in the district of Montréal. Either party may nonetheless seek an injunction before any competent court to protect confidentiality, intellectual property or the integrity of the Service.

18. Changes, notices and language

We may update these Terms. Material changes are announced at least 30 days before they take effect, by email or by a banner in the Service. Continued use after that date is acceptance.

We give you notice by email at your account address or by a notification in the Service. You give us notice at legal@certificateiq.ca or by registered mail at the address below.

These Terms are offered in French and English. The version you accepted governs; the other is provided for reference. In case of discrepancy, the accepted version prevails.

19. General

These Terms, with the Privacy Policy and the list of sub-processors, are the entire agreement between you and us about the Service. You may not assign them without our written consent; we may assign them in a reorganization, merger or sale, with notice. If a provision is held invalid, the others remain in force. A waiver is valid only in writing. Neither party is liable for delay caused by events beyond its reasonable control. The parties are independent contractors. Headings are for reading only.

20. Contact

Questions about these Terms: legal@certificateiq.ca

Jacques Amzallag, CertificateIQ 4001 Crémazie Street East, Suite 100 Montréal, Québec H1Z 2L2 Canada

These Terms of Use were last updated on September 16, 2026.