TopRates.ca is operated by Webhub4u Inc., a Canadian technology company that publishes educational content about Canadian insurance, credit cards, mortgages, and investing. TopRates.ca also operates a contact form through which prospective customers may submit inquiries.
Webhub4u Inc. is not a licensed insurance broker, mortgage broker, credit advisor, investment advisor, or financial advisor.
Information published on TopRates.ca is provided for general educational purposes only and should not be treated as personalized financial, insurance, mortgage, credit, tax, legal, or investment advice.
Insurance Referral Partnership
Insurance inquiries submitted through TopRates.ca may be referred to KLC Group Canada Inc., an independent insurance advisory firm.
KLC Group Canada Inc. is licensed under Ontario’s life insurance agent licensing framework administered by the Financial Services Regulatory Authority of Ontario (FSRA). Its advisors hold individual Life Licence Qualification Program (LLQP) licences where required.
The two companies maintain a documented commercial referral arrangement under which Webhub4u Inc. may receive a per-referral fee for inquiries referred to KLC Group Canada Inc.
Editorial Content
Articles, reviews, guides, comparisons, and other informational content published on TopRates.ca are intended for general educational purposes only.
TopRates.ca does not provide personalized recommendations and does not make suitability assessments for insurance, mortgage, credit card, investment, or financial products.
Where TopRates.ca has a referral, advertising, or affiliate arrangement with a third-party provider, such as a credit card issuer, mortgage brokerage, insurance provider, or other financial services company, that relationship will be disclosed on the relevant page, article, or form where applicable.
Future Plans
TopRates.ca and KLC Group Canada Inc. plan to expand into property and casualty insurance comparison services, including auto, home, tenant, business, and related insurance categories, in 2027.
This planned expansion is expected to occur alongside KLC Group Canada Inc.’s future registration as a RIBO-licensed insurance brokerage in Ontario.
Until the required registration is granted, TopRates.ca does not sell, quote, bind, broker, or advise on property and casualty insurance products.
Important Notice
Submitting a contact form through TopRates.ca does not create a broker-client, advisor-client, financial advisor-client, or fiduciary relationship with Webhub4u Inc..
Any licensed insurance advice, where applicable, is provided only by appropriately licensed representatives of KLC Group Canada Inc.
Webhub4u Inc. does not provide licensed insurance, mortgage, credit, investment, tax, legal, or financial advice.
Contact
For privacy, data protection, general inquiries, or complaints about editorial content or website operations, please contact: