Last updated : 20 Mar, 2026
1. Acceptance of Terms
By accessing or using this website, you agree to be bound by these Terms and Conditions. If you do not agree, please refrain from using the site.
These terms apply to all visitors, clients, and users of this website and are governed by applicable laws in British Columbia, Alberta, Ontario, and Canada.
2. Purpose of Website
This website provides general information about life insurance, financial planning, and related services offered by an independent advisor. It is not intended to replace personalized advice or formal recommendations.
All content is for informational purposes only and should not be considered legal, financial, or tax advice.
3. Advisor Role and Independence
The advisor operates independently and may collaborate with licensed professionals or insurance carriers to provide specialized guidance. All recommendations are made in good faith and in accordance with applicable compliance standards.
The advisor does not represent any insurer exclusively and may offer products from multiple providers.
4. No Guarantee of Results
While every effort is made to provide accurate and helpful information, financial outcomes depend on individual circumstances and market conditions. Past performance is not indicative of future results.
No guarantees are made regarding insurance approvals, investment returns, or financial outcomes.
5. Intellectual Property
All content on this website—including text, graphics, logos, and downloadable materials—is the property of the advisor or licensed for use. You may not reproduce, distribute, or modify any content without written permission.
6. Limitation of Liability
The advisor is not liable for any direct, indirect, incidental, or consequential damages arising from the use of this website or reliance on its content.
This includes, but is not limited to, loss of data, business interruption, or financial loss.
7. Third‑Party Links and Tools
This website may contain links to third‑party websites or use external tools (e.g., scheduling platforms, secure forms). These are provided for convenience only. The advisor is not responsible for the content, privacy practices, or accuracy of third‑party sites.
8. Privacy and Data Use
Use of this website is subject to the [Privacy Policy]. By submitting information, you consent to its collection and use as outlined in that policy.
9. Changes to Terms
These Terms and Conditions may be updated at any time without prior notice. Continued use of the website after changes are posted constitutes acceptance of the revised terms.
10. Governing Law
These terms are governed by the laws of the province in which the advisor operates (BC, Alberta, or Ontario), and applicable federal laws of Canada.
11. Contact Information
If you have questions about these Terms and Conditions, please contact:
Email: [email protected]
Address : unit 207, 12788, 76a Avenue
Phone: (604) 418-3377