Partner Program Terms

1. Who we are

PGicover is a brand of PGI Canada Ltd., a licensed insurance broker. Our address is 997 Seymour St Ste 250-787, Vancouver, BC V6B 3M1.

These Partner Program Terms (Terms) apply when you join the PGicover partner program (the Program).

2. The program

Partners introduce business owners to PGicover. That is the whole job.

Partners do not give insurance advice, quote, solicit, complete applications or handle client money. PGicover does all underwriting and all advice.

3. Who can be paid

We can only pay eligible referrers. Who is eligible depends on the insurance rules in the province where the client is located. Examples are licensed insurance agents or brokers, mutual fund, real estate or mortgage brokers, financial planners, premium financing businesses, and businesses whose products reduce an insured risk.

PGicover confirms your eligibility before paying any fee. We do not pay fees for self-referrals.

4. Fees

We pay a flat fee per qualified referral. A referral is qualified when the referred client submits an application through your link.

The fee is paid whether or not the client buys a policy. It is never tied to a policy being bound, to renewals or to premium.

The fee for each qualified referral depends on the partner's tier. Current fee tiers are shown at https://pgicover.com/partners/ and in your partner dashboard. Strategic Partners receive a negotiated rate set in writing.

Fees are held for 30 days, then paid. PGicover may change fee tiers with notice; a change never reduces a fee already earned. Fees are paid monthly. No payout is made until your eligible balance reaches $100. Smaller balances carry forward to the next month.

5. Client disclosure and consent

PGicover tells each referred client in writing that the partner may receive a fee.

Client details are shared with the partner only with the client's consent.

6. Use of the PGicover name and links

Use only materials that PGicover has approved. Do not make misleading claims.

Never say that PGicover pays the lender or guarantees a loan. If you describe a claim, say that the insurer pays the named insured, who then pays the lender.

Do not refer clients located in Quebec. Do not promise any price.

7. Privacy

Follow Canadian privacy law, including PIPEDA and provincial privacy laws. Never sell or share client data.

Our own handling of personal information is described in the Privacy Policy.

8. Ending the Program

Either side can end this relationship without notice.

Earned fees for qualified referrals made before the end date are still paid.

9. No partnership or agency

Partners are independent. A partner is not an employee, agent or partner of PGicover and has no authority to bind PGicover.

10. Limitation of liability

To the fullest extent allowed by law, PGicover is not liable for indirect or consequential losses arising from the Program. Our total liability to a partner is limited to the fees earned and unpaid under these Terms.

11. Changes to these terms

We may change these Terms. We will give notice by email or by posting the update on this page, and we will update the effective date. Continuing in the Program after a change means you accept it.

12. Governing law

These Terms are governed by the laws of British Columbia and the federal laws of Canada that apply there. The courts of British Columbia, sitting in Vancouver, have jurisdiction over any dispute.

13. Contact

Questions about these Terms? Contact us.