> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.duuo.cooperators.ca/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.duuo.cooperators.ca/_mcp/server.

# Welcome

## Welcome

The Partner Prefill API lets approved partners send verified customer data to Co‑operators before a customer starts an insurance quote.

Co‑operators uses the submitted data to pre-populate the insurance quote journey. Customers can review, edit, or remove any prefilled information before continuing. No quote is submitted, bound, or changed on the customer's behalf. This helps deliver a streamlined experience reducing manual data entry.

Customers who do not arrive through the prefill API channel will continue through the standard quote journey.

## Who this Guide is for

This guide is for partner development teams building a server-side integration with Co‑operators.

Use it to:

* Request an OAuth 2.0 access token.

* Submit customer data for prefill.

* Redirect customers into the Co‑operators quote experience.

* Handle validation warnings, errors, retries, and expired records.

* Prepare for implementation review before launch.

## What to expect

Here’s what to expect when you partner with Co‑operators and integrate with our Prefill API.

1. **Discovery:** Connect with our Partnerships Team to ensure our Prefill API is right for your use case.

2. **Build:** Our product-specific documentation will guide you through the integration. If questions arise, Your Partner Account Manager and our Technical Team will be available to support you.

3. **Test:** Complete Partner Acceptance Testing to confirm your integration is ready for production.

4. **Review:** Work with your Partner Account Manager to review your integration to ensure it meets Co‑operators’ compliance requirements and allow time for any required revisions.

5. **Go Live:** Once approved, your integration can move into production and be made available to customers.

## Before you begin

Before building, confirm that your team has:

* A signed partnership agreement with Co‑operators.

* Sandbox API credentials.

* An assigned Co‑operators integration contact.

* Necessary language required to obtain consent from the clients and provide notice of disclosure of their personal information to the insurer before transmitting such information.

* A secure server-side environment for storing credentials and sending API requests.

Do not call the Prefill API directly from browser or mobile client code.

> *⚠️ COMPLIANCE NOTICE: Insurance products are closely regulated by provincial governing bodies, and other applicable federal regulators. Please consult with your own legal advisors regarding your compliance with applicable laws related to privacy and your handling of personal information. A compliance review of your implementation with your Account Manager will be required prior to going live. Any changes to consent language after launch require review prior to deployment.*