DiscloseAll Financial Services Inc.

Last Updated: November 25, 2025

These Terms & Conditions (“Terms”) govern your use of the website operated by DiscloseAll Financial Services Inc. (“we”, “us”, “our”). By accessing or using this website, you agree to comply with and be bound by these Terms. If you do not agree with any part of these Terms, you should discontinue use of the website.

This website provides general information about insurance, financial products, and services offered by DiscloseAll Financial Services Inc., licensed in Ontario and British Columbia. It does not facilitate online purchases, policy binding, premium payments, or account creation.

1. Use of Website

You may use this website for lawful purposes only. You agree not to:

1. Attempt to access secure areas without authorization
2. Upload or distribute harmful software or materials
3. Misrepresent your identity or provide misleading information
4. Interfere with website operation or security
5. Use the website to collect data or send unsolicited communications
   

We may terminate or restrict access to the website for any user who violates these Terms.

2. No Financial or Insurance Advice

Content on this website is provided for general informational purposes only.

Nothing on this site:

1. Constitutes insurance, legal, tax, or financial advice
2. Guarantees the availability of any insurance product
3. Creates a broker-client relationship
4. Confirms insurance coverage or eligibility
   

Insurance advice requires direct communication with a licensed advisor.

Coverage is only issued after approval by the insurance provider in accordance with applicable laws and underwriting guidelines.

3. No Online Transactions or Policy Binding

This website does not support:

1. Online insurance applications
2. Policy purchases or renewals
3. Premium payments
4. Policy changes or cancellations
   

Submitting a contact form does not:

1. Create coverage
2. Bind an insurance contract
3. Start an application
4. Guarantee a quote or product availability
   

Insurance transactions occur only off-site, through licensed representatives.

4. Accuracy of Information

We strive to provide accurate and up-to-date information. However:

1. Product details and availability may change
2. Insurance provider information may differ
3. Regulatory requirements may vary by jurisdiction
   

We make no warranty regarding completeness or accuracy of the information.

Use of the website and reliance on its content is at your own risk.

5. Intellectual Property

All content on this website—including text, graphics, logos, icons, images, and layout—is the exclusive property of DiscloseAll Financial Services Inc., our partners, or licensors.

You may not:

1. Copy, reproduce, republish, sell, or distribute website content
2. Modify or create derivative works
3. Use our trademarks or branding without permission
   

Limited personal, non-commercial use is permitted.

6. Third-Party Links

Our website may contain links to third-party websites, including:

1. Insurance providers
2. Government agencies
3. Financial institutions
4. External resources
   

We are not responsible for:

1. Content on third-party sites
2. Accuracy of external information
3. Privacy practices of those websites
   

Accessing third-party links is at your own risk.

7. Privacy

Your use of the website is also governed by our Privacy Policy.

By using the site, you acknowledge that you have reviewed and agree to that policy.

8. Cookies and Tracking Technologies

Our website and Shopify’s hosting system use cookies and analytics technologies to:

1. Improve user experience
2. Analyze website performance
3. Track usage patterns
   

You may adjust your browser settings to disable cookies, though some features may not function properly.

9. Disclaimer of Warranties

This website is provided on an “as is” and “as available” basis.

We make no warranties, express or implied, including but not limited to:

1. Accuracy of content
2. Availability or uninterrupted access
3. Fitness for a particular purpose
4. Non-infringement
   

Your use of the website is at your own risk.

10. Limitation of Liability

To the fullest extent permitted by law, DiscloseAll Financial Services Inc. is not liable for any:

1. Direct, indirect, incidental, or consequential damages
2. Loss of data, profits, or business opportunities
3. Injuries or damages arising from use of the website
4. Reliance on information provided on the website
5. Issues caused by third-party websites or tools
   

This limitation applies even if we have been advised of the possibility of such damages.

11. Indemnification

You agree to indemnify and hold harmless DiscloseAll Financial Services Inc., its directors, employees, advisors, and agents from any claims, losses, damages, or liabilities arising from:

1. Your misuse of the website
2. Your violation of any law or regulation
3. Your breach of these Terms
   

12. Modifications to the Website or Terms

We may update content, modify the website, or revise these Terms at any time without prior notice.

Continued use of the website indicates acceptance of all updates.

13. Governing Law

These Terms are governed by the laws of the province in which DiscloseAll Financial Services Inc. is headquartered, and the federal laws of Canada.

By using the website, you agree to submit to the exclusive jurisdiction of those courts.

14. Severability

If any part of these Terms is found invalid or unenforceable, the remaining terms will continue in full force and effect.

15. Contact Information

If you have questions about these Terms & Conditions, please contact:

DiscloseAll Financial Services Inc.