Terms Of Use
Frostwave Labs Inc.
2967 Dundas St. W., #992 Toronto, ON, M6P 1Z2, Canada
Introduction
Please carefully review our Terms of Use before using the novah.ai website (the "Site"). By using the Site, you agree to be bound by these Terms of Use. If you do not agree with any part of these Terms of Use, you must refrain from using the Site. Your continued use of the Site will indicate your acceptance of these Terms of Use, which may be modified by novah.ai at any time without prior notice to you. We recommend checking this page regularly for updates.
Given that we offer services related to various products and services, our Terms of Use are divided into two sections. After reading Section 1, which applies to all products and services, please proceed to Section 2 for additional terms specific to the product or service you require.
Section 1 (applies to all products and services)
1 General
1.1 Your access to and use of this website are subject to these Terms of Use and our Privacy Policy. By accessing and using this Website, you agree to abide by and act in accordance with these Terms of Use and our Privacy Policy. If you disagree with these Terms of Use or our Privacy Policy, you are not permitted to access or use this Website, and you should immediately discontinue such access and/or use.
1.2 If you violate any provision of these Terms of Use, your right to access and use this Website will be immediately terminated.
1.3 We reserve the right to amend these Terms of Use without notice by updating this page. The revised Terms of Use will take effect from the date of posting on this Website. As these Terms of Use may be periodically amended, it is advisable to review them whenever you visit this Website. Your continued use of this Website will signify your acceptance of the updated Terms of Use.
1.4 If, in our sole judgment, you breach any term or condition of these Terms of Use, we may terminate these Terms of Use and/or the products or services offered by novah.ai at any time without notice to you. Upon termination, you must cease all use of the information provided on the Site and delete any materials obtained from novah.ai, including any related documentation and copies.
2 Our Service
2.1 We offer an independent online service that allows you to research and compare mortgage, insurance, credit card, financial, and other products or services offered by third parties while using this Website. Our comparison service is free for your use, and we do not impose any fees or commissions on the products or services you compare. Instead, we will connect you with third-party providers who offer these products or services. We receive compensation from these third-party providers through fees and/or commissions.
2.2 Please be aware that nothing on this website constitutes an endorsement by us of any product or service mentioned herein. This website provides lists of recommendations for informational purposes only and should not be relied upon. It is your responsibility to assess the suitability, adequacy, and appropriateness of any product or service for your needs. If you have any doubts about the suitability, adequacy, or appropriateness of a product or service mentioned on this website, we recommend seeking independent professional advice before obtaining such product or service through this website.
2.3 Please note that nothing on this website shall be considered an offer by us or any third party to sell any product or service to you. Nor will we enter into any contract with you for any product or service. When you submit your details, you are making an offer to obtain the relevant product or service from the respective third party based on their terms and conditions, which may be accepted or rejected. The contract for the product or service will only be formed when your offer is accepted. It is important to understand that the acceptance of your payment, where applicable, on this Website does not constitute acceptance of your offer. You will receive confirmation once your offer has
been accepted.
2.4 When you apply for a credit card through novah.ai, we may receive compensation from the credit card company. However, our card reviews are always based on objective analysis and are written either by a staff writer or a carefully vetted freelancer. novah.ai maintains editorial independence from its affiliates.
2.5 We aim to provide uninterrupted access to this Website, but we do not guarantee its continuous availability. We reserve the right to suspend, restrict, or terminate your access to this Website at any time.
2.6 We reserve the right to add, amend, delete, edit, remove, or modify any information, content, material, or data displayed on this Website without notice, as needed.
3 Permitted Use
3.1 You are authorized to access and use this Website solely for personal, non-commercial purposes. This means that the Website may be accessed and used by private individuals or businesses seeking products or services for their own personal or business needs. Any use of this website other than for personal, non-commercial purposes is strictly prohibited.
3.2 You may not use this Website:
In any unlawful, fraudulent, or commercial manner.
To harm, threaten, abuse, embarrass, defame, libel, intimidate, or harass others or invade their privacy. Additionally, you may not use it in a manner that is obscene, offensive, hateful, indecent, inappropriate, objectionable, unacceptable, discriminatory, or damaging, as determined by us.
To create, verify, update, modify, or amend your databases, records, or directories or those of others.
To tamper with, modify, reverse engineer, or amend any part of this Website.
In a manner that interferes with, disrupts, or places an unreasonable or disproportionately large burden on our communication and technical systems, as determined by us.
Using any automated software, process, program, robot, web crawler, spider, data mining, trawling, or other 'screen scraping' software, process, program, or system.
3.3 You may create a link to this website as long as it is done in a fair and legal manner that does not harm our reputation or take advantage of it, as determined by us. Such links must not imply any form of association, approval, or endorsement by us. We retain the right to request the immediate removal of any link to this Website at any time and may withdraw linking permission at our discretion.
4 Intellectual Property Rights
4.1 The copyright for the information, content, materials, or data displayed on novah.ai website belongs to us or our licensors. You may temporarily print, copy, download, or store extracts of information, content, materials, or data displayed on this Website for your personal use, subject to the following conditions:
It may not be used for any commercial purposes and may not be commercially exploited, published, distributed, extracted, reutilized, or reproduced without our prior written consent.
You may not use any automated software, process, program, or system, robot, web crawler, spider, data mining, trawling, or other 'screen scraping' software, process, program, or system.
It may not be sold or transferred to any third party.
Copies must retain any copyright or other intellectual property notices contained in the original material.
Images displayed on this Website are protected by copyright and may not be reproduced or appropriated in any manner without the prior written consent of their respective owner(s).
No logos, trademarks, or service marks displayed on this Website may be printed or downloaded, except as part of the text in which they are integrated.
You must not modify the paper or digital copies of such information, content, materials, or data.
It may not be excerpted, utilized, used, reproduced, published, reformatted, and/or displayed on any other website without our prior written consent.
The status of us and our licensors as the authors of such information, content, materials, or data must be acknowledged.
4.2 All intellectual property rights, including but not limited to copyright, design rights, patents, inventions, logos, business names, trading names, service marks, and trademarks, internet domain names, moral rights, rights in databases, data, source codes, software, specifications, know-how, processes, and business methods (whether registered or unregistered and including all rights to apply for registration) in and relating to this Website (including information, content, materials, or data displayed on it), belong to us or our licensors, and all such rights are reserved.
4.3 Except as stated elsewhere in these Terms of Use, none of the intellectual property rights belonging to us or our licensors in and relating to this website (including information, content, materials, or data displayed on it) may be used, copied, modified, published, extracted, utilized, transmitted, displayed, sold, excerpted, reverse engineered, made available, reproduced, reformatted, or distributed by you without our prior written consent.
4.4 All rights in novah.ai are owned by us.
4.5 You shall retain ownership of any views, opinions, reviews, ratings, comments, content, or material you submit, display, distribute, upload, post, share, publish, or otherwise make publicly available on or through this Website ("User Content"). You grant us a perpetual, irrevocable, transferable, worldwide, royalty-free, and unlimited license to use, modify, keep, share, sell, save, copy, distribute, publish, display, excerpt, reproduce, utilize, extract, make available, and transmit such User Content in any manner and for any purpose. Sections 5, 6, and 7 are important, and you should read them carefully as they exclude or limit our liability to you and detail your responsibilities.
5 Limits to Our Liability
5.1 Nothing in these Terms of Use excludes or limits our liability for death or personal injury caused by our negligence or for our fraud or fraudulent misrepresentation.
5.2 While we use reasonable efforts to ensure information on this website is accurate, up to date, and will correct errors after becoming aware, we do not check, monitor, review, verify, or endorse, and are not responsible or liable for any loss or damage you may suffer or incur in connection with any information, content, material, or data collected from or provided by third parties, which is displayed on or is otherwise available from this Website or any third-party websites. Such information, content, material, or data may be inaccurate, incomplete, or out of date. It is your responsibility to check that such information, content, material, or data is accurate, complete, correct, and up to date.
5.3 Any views, opinions, advice, reviews, ratings, or comments on this website or any third-party websites made by third parties (including User Content as described in paragraph 4.5) do not represent our views, opinions, or advice, should not be relied upon by you, and are not checked, monitored, reviewed, verified, or endorsed by us. We are not responsible or liable for any loss or damage you may suffer or incur in connection with such views, opinions, advice, reviews, ratings, or comments, including their accuracy, truthfulness, or completeness.
5.4 We do not give any warranty or guarantee that this Website, any third-party website, or any information, content, material, or data on this Website or any third-party website is free from viruses, spyware, malicious software, trojans, worms, logic bombs, or anything else that may have a contaminating, harmful, or destructive effect on any technology. You must ensure that you use appropriate virus-checking software. We are not responsible or liable for any loss or damage you may suffer or incur in this regard caused by any third party.
5.5 We are not responsible or liable for any loss or damage you may suffer or incur in connection with your use of this Website caused by any event beyond our reasonable control, including the electronic transmission of information, content, material, and data over the internet and the interception or decryption of it by others.
5.6 We are not responsible or liable for any indirect loss or damage you may suffer or incur in connection with your use of this website (including any loss of savings you expect to make, loss of business or business opportunity, or loss of profit or revenue) or for any loss or damage you may suffer or incur in connection with your use of this Website which was not foreseeable by us when you used this Website.
5.7 We are not responsible or liable for any loss or damage you may suffer or incur in connection with any inability to access and use this Website for any reason.
6 Disclaimer of Warranties
6.1 Use of this website and/or the services is at your own risk. Neither the Materials, Submissions nor the Third Party Content have been verified or authenticated in whole or in part by novah.ai, and they may include inaccuracies or typographical or other errors. novah.ai does not warrant the accuracy or timeliness of the Materials, Submissions or the Third Party Content contained on this Site. novah.ai has no liability for any errors or omissions in the Materials, Submissions and/or the Third Party Content, whether provided by novah.ai or our licensors.
novah.ai, FOR ITSELF AND ITS LICENSORS, MAKES NO EXPRESS, IMPLIED OR STATUTORY REPRESENTATIONS, WARRANTIES, OR GUARANTEES IN CONNECTION WITH THIS SITE, THE SERVICES, ANY MATERIALS, SUBMISSIONS OR THIRD PARTY CONTENT, RELATING TO THE QUALITY, SUITABILITY, TRUTH, ACCURACY OR COMPLETENESS OF ANY INFORMATION OR MATERIAL CONTAINED OR PRESENTED ON THIS SITE, INCLUDING WITHOUT LIMITATION THE MATERIALS, THE THIRD PARTY CONTENT AND THE SUBMISSIONS OF OTHER USERS OF THIS SITE. UNLESS OTHERWISE EXPLICITLY STATED, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THIS SITE, THE SERVICES, MATERIALS, THIRD PARTY CONTENT, SUBMISSIONS, AND ANY INFORMATION OR MATERIAL CONTAINED OR PRESENTED ON THIS SITE IS PROVIDED TO YOU ON AN “AS IS,” “AS AVAILABLE” AND “WHERE-IS” BASIS WITH NO WARRANTY OF IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF THIRD PARTY RIGHTS. novah.ai DOES NOT PROVIDE ANY WARRANTIES AGAINST VIRUSES, SPYWARE OR MALWARE THAT MAY BE INSTALLED ON YOUR COMPUTER.
7 Exclusion of Our Liability in Respect of Third-Party Advice, Assistance, Websites, and Products or Services
7.1 You can apply for a variety of products and services via this website. These products and services are not provided by us but are instead provided by third parties over whom we do not have control. It is your responsibility to satisfy yourself that you wish to obtain any product or service before doing so. We are not responsible or liable for any loss or damage you may suffer or incur in connection with any product or service you obtain after using this Website or for any acts, omissions, errors, or defaults of any third party in connection with that product or service.
7.2 Please be aware that the information and descriptions of products and services on this website may not represent the complete descriptions of all the features and terms and conditions of those products and services. You must ensure that you carefully read all the features and terms and conditions of any product or service before applying.
7.3 If you apply for and obtain any product or service, you will be contracting with a Third Party who will be providing that product or service to you on their own terms and conditions. It is your responsibility to ensure that you understand and agree with those terms and conditions before entering into a contract to obtain that product or service. We are not responsible or liable for any loss or damage you may suffer or incur if any information, content, material, or data held by the third party about you is not correct, complete, and accurate or if it is misleading or if you have failed to disclose all relevant facts.
7.4 We provide links from this Website and from emails sent to you as part of our service to the websites of third parties. These websites are owned and operated by Third Parties over whom we do not have control. You access and use these third-party websites at your sole risk and your sole discretion. You are solely responsible for any use of these third-party websites and for any decision to obtain or refrain from obtaining any of the products or services available on such Third Party websites. Any links to third-party websites are provided for your interest and convenience only. We do not endorse, recommend, or accept responsibility for such third parties, their products or services, their websites, or for any information, opinions, or views given or advice provided by such third parties (whether on their websites or otherwise). We are not responsible or liable for any loss or damage you may suffer or incur in connection with your use of any third-party websites or for any acts, omissions, errors, or defaults of any Third Party in connection with their website.
7.5 Your use of any third-party website will be governed by the terms and conditions of use and privacy policy applicable to that website. Such terms and conditions of use and privacy policy will be different from these Terms of Use and our Privacy Policy. It is your responsibility to ensure that you understand and agree with the terms and conditions of use and privacy policy of any Third Party website before using that website. We are not responsible or liable for any loss or damage you may suffer or incur in connection with the terms and conditions of use or the privacy policy applying to any Third Party website or for any acts, omissions, errors, or defaults of any third party in connection with those terms and conditions of use and/or privacy policy.
7.6 Any views, opinions, advice, or assistance given or provided to you by a Third Party after you have used this website do not represent our views, opinions, advice, or assistance and are not checked, monitored, reviewed, verified, or endorsed by us. We do not endorse, recommend, or take responsibility for any third party who provides you with any views, opinions, advice, or assistance. You act or refrain from acting on any third party's views, opinions, advice, or assistance at your sole risk and sole discretion and you are solely responsible for any decision to act or refrain from acting on such views, opinions, advice, or assistance. We are not responsible or liable for any loss or damage you may suffer or incur in connection with such views, opinions, advice, or assistance, including in relation to their accuracy, truthfulness, or completeness or for any acts, omissions, errors, or defaults of any third party in connection with such views, opinions, advice, or assistance.
7.7 Please be aware that while this website provides information on a wide range of products or services, there may be other products or services available on the market which are not shown on this website and which may be more appropriate or suitable for you than those shown here.
8 Your Responsibilities
8.1 You must take all reasonable precautions (including using appropriate virus checking software) to ensure that any information, content, material, or data you provide (including User Content as described in paragraph 4.5) is free from viruses, spyware, malicious software, trojans, worms, logic bombs, and anything else which may have a contaminating, harmful, or destructive effect on any part of this website or the websites of third parties or any other technology.
8.2 You may complete a registration process as part of your use of this website which may include the creation of a username, password, and/or other identification information. Any username, password, and/or other identification information must be kept confidential by you and must not be disclosed to, or shared with, anyone. Where you do disclose to or share with anyone your username, password, and/or other identification information, you are solely responsible for all activities undertaken on this Website using your username, password, and/or other identification information.
8.3 You must check and ensure that all information, content, material, or data you provide on this website is correct, complete, accurate, and not misleading and that you disclose all relevant facts. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content, material, or data you provide on this Website is not correct, complete, and accurate or if it is misleading or if you fail to disclose all relevant facts.
8.4 Before you obtain any product or service from a Third Party, you must check all of the information, content, material, or data held by the Third Party about you to ensure it is correct, complete, accurate, and not misleading and that you have disclosed all relevant facts. It is your responsibility to identify and correct any mistakes or errors in the information, content, material, or data held by the third party about you before you obtain any product or service. Failure to do so could invalidate the product or service provided by the third party. We do not accept any responsibility or liability for any loss or damage you may suffer or incur if any information, content, material, or data held by the third party about you is not correct, complete, and accurate or if it is misleading or if you have failed to disclose all relevant facts.
8.5 You must get permission from any other person about whom you propose to provide information before you provide it. In submitting any other person's details, you are confirming to us that you have their permission to do so and that they understand how their details will be used.
8.6 You are solely responsible and liable for your conduct on this Website and for your User Content. You must ensure that:
You own your User Content or otherwise have the right to grant the license set out in paragraph 4.5. Your User Content does not violate or infringe any privacy rights, intellectual property rights (such as copyright, database rights, and trademarks) or other rights of any third party (including any right of confidentiality).
Your User Content does not violate or infringe any law.
Your User Content is true, complete, accurate, and not misleading where it relates to facts or is genuinely held where it relates to an opinion.
Your User Content is not harmful, fraudulent, threatening, defamatory, embarrassing, distressing, infringing, abusive, inflammatory, intimidating, harassing, libelous, stalking, profane, obscene, indecent, inappropriate, hateful, discriminatory, or racially, ethnically, sexually, or otherwise objectionable.
8.7 You agree that you will be liable to us for any damage, loss, claim, demand, liability, or expense (including reasonable legal fees) that we may suffer or incur arising out of or in connection with your conduct on this Website and/or your User Content.
9 Privacy
9.1 We are committed to protecting your privacy and treat your privacy very seriously. We process information about you in line with our Privacy Policy. By using this Website, you agree to the way in which we process and deal with your personal information.
10 Miscellaneous
10.1 This website is only intended for use by residents of Canada. We make no warranty or representation that any product or service referred to on this Website and/or any service we provide is available or otherwise appropriate for use outside of Canada. If you choose to use this Website from locations outside of Canada, you do so at your sole risk and you are responsible for compliance with all applicable local laws.
10.2 If any provision of these Terms of Use is held to be unlawful, invalid, or unenforceable, that provision shall be deemed deleted from these Terms of Use, and the validity and enforceability of the remaining provisions of these Terms of Use shall not be affected.
10.3 These Terms of Use constitute the entire agreement between you and us relating to your access to and use of this Website and supersede any prior agreements (including any previous terms of use of this Website).
10.4 No failure or delay by us in exercising any right under these Terms of Use will operate as a waiver of that right nor will any single or partial exercise by us of any right preclude any further exercise of any right.
11 Governing Law
These Terms of Use and your use of the Site are governed in all respects by the laws of the Province of Ontario, without giving effect to any principles of conflicts of laws. Any dispute concerning the Site or these Terms of Use shall be subject to the exclusive venue of a court of competent jurisdiction in the Province of Ontario.
In the event that a court of competent jurisdiction holds any provision of these Terms of Use to be invalid or unenforceable, then such provision shall be severable from and shall not affect the validity or enforceability of the remaining provisions.
12 Insurance Products
Our insurance service, provided by novah.ai, enables you to search for and compare various insurance products from multiple insurance providers.
To compare or obtain a quote for any insurance product, you'll need to answer a series of questions on our website. These questions are designed to ensure that both we and the relevant insurance providers have all the necessary information to provide you with accurate and timely details about the insurance products you're interested in. Your responses to these questions will determine the level of coverage and the cost associated with the insurance product. It is of utmost importance that you answer these questions truthfully, comprehensively, and accurately, disclosing all relevant facts. Failure to do so could render the insurance product you purchase invalid, leaving you without coverage. In such cases, claims may not be paid, and you may be held responsible for any third-party costs arising from events that would have otherwise been covered by the insurance product.
To apply for an insurance product, you must get in touch with the respective insurance provider. We will provide you with a direct link to their website and/or a dedicated telephone number, along with any necessary identification to access your details.
Before applying for any insurance product, it's critical to verify all information held by the insurance provider about you to ensure its accuracy, completeness, and truthfulness. Any mistakes or errors in the information must be corrected before you proceed with your application. Failure to do so may jeopardize your selected insurance product's validity.
Please note that the information you provide may be used for specific credit checks carried out by licensed credit-referencing agencies. These checks are part of the underwriting process for certain insurance providers, and while a record of the search will be made, it will not adversely affect your credit profile.
Some insurance providers may share loyalty scheme data with their insurance underwriters to assess and rate your coverage, determining your premiums. If you are uncertain whether any information is relevant or should be disclosed, or if you suspect inaccuracies, you should communicate this to your prospective insurance provider before applying for the insurance product. Failure to provide complete and accurate information or to disclose any circumstances that may affect their risk assessment could lead to the invalidation of your insurance policy.
Most insurance providers make certain assumptions about you, which may differ from any assumptions made by us. It's your responsibility to review the assumptions made by insurance providers as they form an integral part of your contract with the selected insurance provider. If any assumption made by an insurance provider is incorrect, you must inform them before applying for any insurance product to prevent potential invalidation of the insurance product.
By using our services, you consent to us using your data to send you renewal quotes as your annual policy's expiration date approaches. These reminders may include generating a new quote for you based on previously provided information. It's crucial to ensure the accuracy, completeness, and truthfulness of all your information before applying for any insurance product. Correcting any errors or inaccuracies in your information is your responsibility before proceeding with your application.
Before applying for any insurance product, it's essential to thoroughly read the product's terms and conditions, the insurance provider's terms and conditions, and any other related documentation. Familiarize yourself with all the specifics of the insurance product, such as restrictions, exclusions, conditions, and obligations associated with it. It's your responsibility to ensure that the insurance product aligns with your needs, and you agree to its terms and conditions before applying. We bear no responsibility or liability for any losses or damages you may incur if the insurance product you apply for doesn't meet your requirements or isn't suitable for you.
novah.ai is operated by Direct Rate Insurance Services Inc. in British Columbia, licensed with the Insurance Council of BC for general and life insurance activities.
13 Financial Products
Our financial service, provided by novah.ai, enables you to search for and compare various financial products from different product providers.
To compare any financial product, you'll need to answer a series of questions on our website. These questions are designed to ensure that both we and the relevant product providers have all the necessary information to provide you with accurate and timely details about the financial products you're interested in. It is crucial to answer these questions truthfully, comprehensively, and accurately, disclosing all relevant facts.
To apply for a financial product or service, you must get in touch with the respective product provider.
Before applying for any financial product or service, it's essential to verify all information held by the product provider about you to ensure its accuracy and completeness. Any mistakes or errors in the information must be corrected before you proceed with your application.
If you are uncertain whether any information is relevant or should be disclosed, or if you suspect inaccuracies, you should communicate this to your prospective product provider before applying for the financial product.
Before applying for any financial product or service, it's essential to thoroughly read the product's terms and conditions, the product provider's terms and conditions, and any other related documentation. Familiarize yourself with all the specifics of the financial product, such as interest rates, early redemption charges, restrictions, exclusions, conditions, and obligations associated with it. It's your responsibility to ensure that the financial product aligns with your needs, and you agree to its terms and conditions before applying. We bear no responsibility or liability for any losses or damages you may incur if the financial product you apply for doesn't meet your requirements or isn't suitable for you.
14 User Generated Content (Including Discussion Forums and User Reviews)
You agree that any User Content (as described in paragraph 4.5 of Section 1) will comply with this paragraph 14 and the User Content Standards.
You are not permitted to use this website to:
Collect email addresses or other contact information of others for the purposes of sending unsolicited emails or other unsolicited communications.
Promote or encourage illegal activity.
Do anything that is unlawful, harmful, fraudulent, threatening, defamatory, embarrassing, distressing, infringing, abusive, inflammatory, intimidating, harassing, libelous, stalking, profane, obscene, indecent, inappropriate, hateful, discriminatory, or racially, ethnically, sexually, or otherwise objectionable or for the purpose of harming or attempting to harm minors in any way.
Do anything that violates the rights of others (such as rights of privacy).
Impersonate any other person or falsely state or otherwise misrepresent yourself.
Upload, post, transmit, distribute, share, store, or otherwise make publicly available any personal information of any other person, including names, addresses, phone numbers, and email addresses.
Upload, post, transmit, distribute, modify, reproduce, share, store, or otherwise make publicly available any information, material, data, or content that infringes any patent, trademark, trade secret, copyright, or other intellectual property right of any other person.
Send any unsolicited or unauthorized advertising, promotional materials, 'junk mail,' 'spam,' 'chain letters,' or any other form of such solicitation.
Post links to alternative community groups or forums except with our prior written consent.
We reserve the right, but have no obligation, to review or monitor any User Content.
We are not responsible or liable for the review or monitoring of any User Content.
We reserve the right to close, delete, edit, refuse to post, amend, modify, or remove (without notice) any User Content at our sole discretion for any reason, including without limitation User Content that, in our sole opinion, breaches these Terms of Use.
You agree that any information you provide to us about yourself will be true, accurate, and complete, and that you will ensure that this information is kept accurate and up-to-date at all times.
We advise you to think very carefully before posting or uploading any personally identifiable information about you on this Website.
The Terms of Use were last updated: 7/9/2025
