Compliance & licensing
HelloSafe is an independent travel insurance marketplace. The licensed insurers underwrite and the regulatory documents, claims and complaints sit with them. You keep the client relationship and the commission.
The distribution model
Three roles, three sets of responsibilities. The regulated activity never sits with you.
You refer and route: tracked links, widget, white-label or API. You follow the marketing rules and keep your client relationship.
HelloSafe is an independent travel insurance marketplace. We compare plans from licensed Canadian insurers and connect travellers to them. We never sell or underwrite a policy ourselves.
Manulife, Allianz Global Assistance, TuGo, Blue Cross and other licensed Canadian insurers underwrite the policies. HelloSafe compares them independently, with no exclusive agreements.
Licensing by integration mode
Insurance in Canada is regulated province by province, and HelloSafe never sells a policy. Whatever the integration depth, you stay a referrer. The only thing that changes is how the journey is embedded.
Tracked links and the comparison widget route to the HelloSafe journey. You never collect insurance data, so no registration is required on your side.
Quote and checkout run on HelloSafe rails, in your colours. The comparison, the insurer's documents and the support path stay with HelloSafe and the licensed insurer, not with you.
Even with quotes rendered in your interface, the policy is concluded with the licensed insurer, and the regulatory documents come from them. Your product stays a product, not a brokerage.
Insurance is regulated province by province, with no national insurance licence. HelloSafe works with insurers and partners authorized in their provinces. Every partner is reviewed at signup: we flag anything specific to your province before you go live.
Data & privacy
The program keeps personal data where it belongs: with the traveller and the insurer, not scattered across your systems. Personal information is handled in accordance with Canadian privacy law (PIPEDA) and Quebec's Law 25.
Consent-first analytics, minimal collection and documented processing, from the click to the certificate, in line with PIPEDA and Quebec's Law 25.
Payment runs on HelloSafe's hosted checkout. Card numbers never touch your stack: your PCI surface stays at zero.
Your dashboard works on clicks, quotes, sales and Sub-IDs. You receive neither identity documents nor insurance policy files.
API keys are scoped per caller and revocable one by one. Access to conversion data follows the same boundaries.
Fraud & integrity
Commissions only move on signed, verified events. The controls that protect HelloSafe protect your revenue too.
Every conversion is signed with a per-caller HMAC-SHA256 key and rejected outside a 5 minute replay window.
A ref must match the link's real owner. Forged or mismatched refs are refused, never silently accepted.
pending, validated, cancelled: forbidden transitions return an error instead of overwriting the ledger.
Per-conversion amount ceilings, FX rates frozen at ingest and an auditable trail on every state change.
Marketing rules
The program protects travellers and partners alike. The rules fit in two lists.
What partners check before they sign.
No. HelloSafe is an independent marketplace that compares plans from licensed Canadian insurers, and it never sells or underwrites a policy. Insurance is regulated province by province; you refer and route, and the policy is concluded with the licensed insurer.
The licensed insurer, with HelloSafe routing the traveller to the right path. The traveller gets the insurer's assistance line and a formal complaints process. Your role ends at the referral, and your dashboard keeps the commission visible.
No. Payment runs on HelloSafe's hosted checkout. Your stack never sees a card number, which keeps your PCI exposure at zero.
Practically none. Reporting is built on clicks, quotes, sales and the Sub-IDs you define. Identity documents and policy files stay between the traveller, the insurer and HelloSafe, handled under PIPEDA and Quebec's Law 25.
Yes. White-label changes the brand on the journey, not who carries the risk. The policy is still concluded with the licensed insurer, and the regulatory documents come from them. HelloSafe never sells or underwrites.
Brand bidding on HelloSafe in paid search, misleading claims, spam, cashback mechanics and unsolicited extensions. The full list ships with the program terms; accounts that cross it are closed.
Insurance is regulated province by province, and one link routes each visitor to the journey localized for their market. At signup we review your audience and flag anything specific to your province before you go live.
A compliance question we didn't cover? Contact us
Zero licensing, full speed
Tell us where your audience is and how you want to integrate. We confirm the compliant path for your province within 24 hours.
