Terms and Conditions

Introduction

QuickPolicies.com (“we”, “us”, “our”) is a free digital resource provided by Sivaiah Technologies Inc. offering downloadable templates for contracts, policies, and business documents (“Templates”). These Templates are made available at no cost to support individuals, professionals, and small businesses across Canada.

Please note: We are not a law firm, we do not offer legal advice, and the use of any Template does not constitute a lawyer-client relationship. All content provided is for informational purposes only and should not be considered a substitute for professional legal counsel.

Acceptance of Terms

By accessing or using QuickPolicies.com, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree with any part of these Terms, you should not use this website or download any templates.

We may update these Terms from time to time to reflect changes in our practices or legal obligations. When changes are made, we will revise the “Last Updated” date at the bottom of this page. Your continued use of the Website after any such updates means you accept the revised Terms.

Services

• Template Access: Users can freely browse and download a wide range of document templates (“Templates”) available on QuickPolicies.com. These templates are offered at no cost and can be used for personal or internal business purposes.
• Download and Storage: Once selected, Templates can be downloaded directly from our platform. Some files may be hosted securely via Google Cloud Storage or other content delivery methods for fast and reliable access.
• Use Restrictions: All Templates provided by QuickPolicies.com are for informational use only. You may not resell, redistribute, modify for resale, or use any content for commercial purposes outside your own business operations without express written permission.

Use of Templates

• License Grant: By downloading a template from QuickPolicies.com, Sivaiah Technologies Inc. grants you a non-exclusive, non-transferable license to use the Templates for your personal or internal business use. You may not resell, redistribute, sublicense, or create derivative works for commercial distribution without our express written permission.
• Permitted Uses: You are allowed to download, customize, and use the Templates as part of your business operations or personal planning, provided your use complies with these Terms and all applicable laws.
• Prohibited Uses: You may not use the Templates in connection with any illegal activity, or to produce documents that are false, deceptive, or misleading. You are solely responsible for ensuring your usage complies with applicable legal and regulatory requirements.
• Disclaimer: All Templates are provided “as is” for informational purposes only, without warranties of any kind, express or implied. Sivaiah Technologies Inc. does not guarantee the legal validity or suitability of any Template for your specific situation. We recommend consulting a licensed professional for legal or compliance advice where needed.

Intellectual Property

• Ownership: All Templates, written content, visual assets, and other materials available on QuickPolicies.com are the intellectual property of Sivaiah Technologies Inc. or its licensors. These materials are protected by copyright, trademark, and other applicable intellectual property laws in Canada and internationally.
• Usage Restrictions: You may not copy, reproduce, republish, upload, post, or distribute any Template or content for commercial gain or public display without our express written permission. Templates are provided for individual use only, and their availability does not imply transfer of ownership.
• Trademarks and Attribution: All trademarks, logos, and service marks displayed on QuickPolicies.com are the property of Sivaiah Technologies Inc. or their respective owners. No license or right is granted to use any of these marks without prior written consent.

Payments and Refunds

All templates offered on QuickPolicies.com are provided free of charge. We do not collect payment or offer any paid subscriptions, premium tiers, or upgrades.

• No Payment Required: Users may browse, download, and use any template available on the website without creating an account or submitting payment.
• No Refunds Necessary: Since no transactions occur, refund policies do not apply. If you experience issues accessing a file or encounter an error in a template, please contact us and we’ll do our best to assist you.
• Support and Corrections: We aim to keep all templates accurate and accessible. If you identify any problems or outdated content, please report it and we’ll make corrections promptly.

Promotions

At this time, QuickPolicies.com does not offer any promotional codes, discounts, or paid offers. All templates are made available to users completely free of charge.

If we introduce promotional campaigns in the future—such as giveaways, limited-time downloads, or user engagement incentives—they will be clearly described along with any applicable terms and eligibility criteria. We reserve the right to modify or cancel such campaigns at our discretion.

Privacy Policy

To understand how we collect, use, store, and protect your personal information, please review our Privacy Policy. By using QuickPolicies.com, you acknowledge and agree to the terms outlined in that policy as part of these Terms and Conditions.

Disclaimer of Warranties

All templates and related content provided through QuickPolicies.com are offered on an “as is” and “as available” basis without warranties of any kind, either express or implied. This includes, but is not limited to, any implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Sivaiah Technologies Inc. makes no guarantees regarding the accuracy, completeness, or suitability of the templates for your specific situation. Use of these templates is at your own risk, and we encourage consulting a qualified professional where necessary.

Prohibited Activities

When using QuickPolicies.com, you agree not to engage in any activity that disrupts, harms, or misuses the platform. Prohibited activities include but are not limited to:

• Unauthorized Access: Attempting to access any part of the website or related systems through means not intentionally made available, including automated tools, bots, or scripts.
• Service Disruption: Interfering with or attempting to disrupt the website’s operation, including by overloading, flooding, spamming, or launching denial-of-service attacks.
• Security Violations: Attempting to probe, scan, or breach security or authentication measures, or accessing systems without authorization.
• Malware Distribution: Uploading, posting, or transmitting any software or code that contains viruses, malware, or any other harmful component.
• Illegal Use: Using the platform to engage in any unlawful, fraudulent, or deceptive activity.
• Reverse Engineering: Modifying, decompiling, disassembling, or reverse engineering any part of the website or its features to gain unauthorized access or functionality.

Limitation of Liability

• General Limitation: To the fullest extent permitted by law, Sivaiah Technologies Inc. shall not be held liable for any indirect, incidental, special, consequential, or punitive damages—such as loss of data, revenue, or goodwill—arising from: (i) your use of or inability to use the templates or website; (ii) actions or content of third parties; or (iii) unauthorized access to or alteration of your data or transmissions.
• No Monetary Liability: Because QuickPolicies.com provides its services and templates for free, Sivaiah Technologies Inc. assumes no financial liability for any loss or damages related to the use of its content. You agree that your sole remedy is to stop using the website and its resources.
• Acknowledgment of Risk: By using this website, you acknowledge that any reliance on the templates or content is at your own discretion and risk. We do not guarantee that our templates will meet your specific requirements or comply with local laws.

Changes to Terms

We may update or modify these Terms at any time, at our sole discretion. When changes are made, we will revise the “Last Updated” date at the bottom of this page. For significant updates, we may also display a prominent notice on the website or contact you directly if appropriate.

By continuing to use QuickPolicies.com after any such updates, you agree to be bound by the revised Terms. We encourage you to review this page periodically to stay informed about any changes.

Compliance with Law

• User Responsibility: You agree to use QuickPolicies.com and its templates in full compliance with all applicable local, provincial, national, and international laws, regulations, and standards. You must not use the templates to violate laws, infringe rights, or facilitate any illegal activity.
• Template Legality: While Sivaiah Technologies Inc. aims to provide high-quality and practical templates, it is your responsibility to ensure they are legally valid and appropriate for use in your specific jurisdiction. We do not guarantee compliance with any particular legal framework.
• Lawful Use Only: You must not use any template or content from this site for unlawful, fraudulent, or misleading purposes. If you are uncertain about a template’s suitability, we strongly recommend seeking advice from a licensed legal professional.
• Indemnification: You agree to indemnify and hold harmless Sivaiah Technologies Inc., including its employees, agents, and partners, from any claims, liabilities, or legal actions that arise from your unlawful use of the templates or violation of third-party rights.

Dispute Resolution

If a dispute arises in connection with your use of QuickPolicies.com or these Terms, we encourage you to contact us first at info@quickpolicies.com to attempt an informal resolution. Most concerns can be resolved quickly through open communication.

Should informal resolution fail, the following process will apply:

• Negotiation: Both parties will attempt to resolve the dispute in good faith within 30 days of notification.
• Mediation: If negotiation is unsuccessful, the parties agree to submit the matter to mediation under the rules of the ADR Institute of Canada. Mediation will be held in Ontario, Canada, and costs will be shared equally unless agreed otherwise.
• Arbitration: If mediation does not resolve the issue, the dispute will be settled by binding arbitration in accordance with the Arbitration Rules of the ADR Institute of Canada. The arbitration will be held in English in Ontario, Canada, and decided by a single arbitrator.
• Time Limit: Any claims must be brought within one (1) year from the date the issue was discovered or should have reasonably been discovered.

Nothing in this section prevents either party from seeking urgent legal remedies (such as injunctions) from a court. Any such proceedings shall be brought exclusively in the courts of Ontario, Canada, to which all parties consent to jurisdiction.

Indemnification

You agree to defend, indemnify, and hold harmless Sivaiah Technologies Inc., including its officers, directors, employees, and agents, from and against any claims, liabilities, damages, losses, or expenses (including reasonable legal fees) that arise from:

• Your use of QuickPolicies.com or any template offered through the site;
• Your violation of these Terms or any applicable law;
• Your infringement of any third-party rights, including intellectual property or privacy rights;
• Any harm or claim made by a third party resulting from your use or misuse of the templates.

This indemnification obligation will survive the termination of your use of QuickPolicies.com and any updates to these Terms.

Governing Law

These Terms are governed by and interpreted in accordance with the laws of the Province of Ontario, Canada, without regard to conflict of law principles. By using QuickPolicies.com, you agree that any disputes or claims will be handled under Ontario law.

If any part of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions will continue to be fully effective. Our failure to enforce any right or provision does not waive that right.

These Terms represent the complete and exclusive agreement between you and Sivaiah Technologies Inc. concerning the use of QuickPolicies.com and override any previous agreements or communications.