Terms of Use
Last updated: October 12, 2026
The short version
- Meet is an AI assistant. It gives information and non-binding estimates, not financial, legal or tax advice.
- An estimate isn't an approval, a pre-approval or an offer of credit. Lenders make the decisions.
- Agents and businesses that subscribe to Meet are also bound by our separate Agent Terms of Service.
1. About these terms
These Terms of Use apply when you use meetquoteshack.com, app.meetquoteshack.com, or Meet, our AI assistant, by chat, text, email, phone, Facebook Messenger or Instagram. That includes using Meet on an agent's own website or phone line. "QuoteShack", "we" and "us" mean MeetQuoteShack Inc. By using the service, you agree to these terms and to our Privacy Policy.
If you're an agent, broker, loan officer or other business subscribing to Meet, our Agent Terms of Service also apply. Where the two conflict, the Agent Terms of Service take priority.
2. What Meet is, and what it isn't
- Meet is an AI assistant. It answers general questions, takes applications, collects documents, books appointments, sends reminders and connects you with a licensed professional.
- QuoteShack is not a lender. We don't make credit decisions, approve or pre-approve loans, or offer credit.
- Any estimate, rate, payment amount or "where you stand" result is an estimate for information only. It's based on what you told us and general guidelines. The final amount, rate and approval are always decided by a lender after it verifies your information.
- Meet doesn't give financial, legal, tax or investment advice. Talk to a licensed professional before making decisions.
- AI can make mistakes. Please check anything important with your agent.
3. Your information and consents
- Please give accurate, complete information, and only your own, or information you're authorised to share.
- Contact: when you give us your phone number or email, you agree that we, and the agent helping you, may contact you about your enquiry by email, text or phone.
- Text messages: message frequency varies, and message and data rates may apply. Reply STOP to opt out, or HELP for help.
- Credit check: we run a soft credit check only if you tick the box allowing it. See the Privacy Policy.
- Marketing: optional. You can unsubscribe at any time.
4. Phone calls
When you call a Meet number, you're speaking with an AI assistant. During business hours, Meet can transfer you to a person. Outside business hours, it will take your details so someone can call you back. We keep a written transcript of the call. We don't keep audio recordings.
5. Agents and other professionals
Agents who use Meet are independent licensed professionals, not QuoteShack employees. We check their licence before Meet sends them leads. Any advice, product recommendation or service they give you is their own responsibility.
6. Acceptable use
Please don't misuse the service. That includes giving false information, pretending to be someone else, trying to access other people's information, interfering with the service, scraping it, or using it for anything unlawful. We may suspend access if these terms are broken.
7. Our content
The website, the app, Meet and their content belong to QuoteShack or its licensors. You may use them for their intended purpose, but you may not copy, resell or reverse-engineer them.
8. Third-party services
Some features rely on other companies, such as booking calendars, Stripe for payments and ID checks, and TransUnion for credit checks. Their own terms apply to their services, and we're not responsible for them.
9. No guarantees
We work hard to keep Meet accurate and available, but the service is provided "as is". To the extent the law allows, we make no promise that it will be uninterrupted, error-free, or that you'll be approved for any loan.
10. Limit of liability
To the extent the law allows, QuoteShack isn't liable for indirect, incidental or consequential losses arising from use of the service. That includes decisions you or a lender make based on an estimate. Nothing in these terms limits rights you have under consumer protection law that can't be waived.
11. Changes
We may update these terms. We'll change the date at the top, and continued use means you accept the updated terms.
12. Governing law
These terms are governed by the laws of British Columbia and the federal laws of Canada that apply there.
13. Contact
MeetQuoteShack Inc.
777 Hornby Street, Suite 600
Vancouver, BC V6Z 1S4
Email: raj@meetquoteshack.com