Terms of service

TERMS OF SERVICE

DiscloseAll Financial Services Inc.

Last updated: November 2025

OVERVIEW

Welcome to the website of DiscloseAll Financial Services Inc. (“we”, “us”, “our”). We operate this website, including all related information, content, tools, and services (collectively, the “Services”), to provide visitors with general information about our insurance brokerage and the insurance and financial products we are licensed to sell.

We are an insurance brokerage licensed in Ontario and British Columbia, offering Life Insurance, Investments, Travel Insurance, Super Visa Insurance, Critical Illness Insurance, and Disability Insurance.

Our website is powered by Shopify, which provides hosting and technical infrastructure only. We do not sell insurance products or collect payments through this website. It is solely an informational tool and a communication channel for potential and existing clients.

By visiting or using any part of our website, you agree to these Terms of Service and our Privacy Policy
If you do not agree, do not use or access our Services.

SECTION 1 – ACCESS AND ACCOUNT

You must be the age of majority in your province or territory of residence to use our Services.

You may provide personal information through contact or quote request forms. You represent and warrant that any information you submit is accurate, current, and complete.

We do not provide user accounts or login functionality on this website. However, you are responsible for the security of any device you use to access our Services.

SECTION 2 – INSURANCE & FINANCIAL SERVICES

DiscloseAll Financial Services Inc. provides insurance and financial advisory services through licensed representatives. All services are subject to:

1. Provincial licensing requirements
2. Insurer underwriting
3. Regulatory compliance
4. Applicable laws in Ontario and British Columbia

Information provided on our website is general in nature and does not constitute personalized insurance or financial advice. Recommendations require consultation with a licensed advisor.

Product information, availability, regulatory rules, and descriptions may change without notice.

SECTION 3 – NO ONLINE SALES OR TRANSACTIONS

This website does not facilitate:

1. Insurance sales
2. Online payments
3. Binding of insurance coverage
4. Policy changes or cancellations

Submitting a contact form does not create coverage, nor does it constitute an insurance application. Insurance purchases or modifications require direct communication with a licensed advisor and may require identity verification, signed documents, and insurer approval.

SECTION 4 – FEES, PREMIUMS & PAYMENT INFORMATION

No payments or premiums are collected through this website.

Premiums, fees, and contributions for insurance or investment products are handled directly between clients and the insurer or financial institution in accordance with their policies.

Any quotes provided are non-binding until reviewed and approved by the applicable insurer.

SECTION 5 – REGULATORY DISCLOSURE

DiscloseAll Financial Services Inc. is licensed to operate in:

1. Ontario
2. British Columbia

We do not solicit or provide insurance services to individuals outside these jurisdictions.
All insurance is placed with licensed insurers operating in the relevant province.

SECTION 6 – INTELLECTUAL PROPERTY

All content on the website—including text, images, graphics, logos, and design—is owned by us or our licensors and protected under Canadian and international copyright and trademark laws.

You may use the website for personal, non-commercial purposes only.
You may not copy, republish, distribute, or modify any content without our written authorization.

SECTION 7 – OPTIONAL TOOLS

We may provide access to third-party tools (e.g., quote calculators, secure forms, or insurer portals), which we do not control. These tools are provided “as is” and without warranties. Use of such tools is subject to the third-party provider’s terms.

SECTION 8 – THIRD-PARTY LINKS

Our website may contain links to third-party websites. We are not responsible for the content, accuracy, or policies of these external sites. Accessing third-party links is at your own risk.

SECTION 9 – RELATIONSHIP WITH SHOPIFY

This website is hosted by Shopify. Shopify provides website infrastructure only and is not involved in:

1. Insurance advisory services
2. Insurance transactions
3. Client relationships
4. Regulatory compliance

By using our site, you agree to release Shopify from any liability related to our Services.

SECTION 10 – PRIVACY POLICY

Personal information submitted through this website is processed according to our Privacy Policy and may also be processed under Shopify’s privacy practices.

Information may be transmitted to service providers outside your province or country.
For more details, please review our Privacy Policy.

SECTION 11 – FEEDBACK

If you submit feedback, suggestions, or comments, you grant us a perpetual, royalty-free license to use that feedback for any purpose. We have no obligation to keep feedback confidential or to respond to it.

You warrant that your submitted content does not infringe any third-party rights.

SECTION 12 – ERRORS, INACCURACIES & OMISSIONS

The website may contain inaccuracies or outdated information. We reserve the right to update or correct any content at any time without notice.

SECTION 13 – PROHIBITED USES

You may not use the website:

1. For unlawful activities
2. To transmit harmful code
3. To impersonate any person or entity
4. To collect data without consent
5. To interfere with website security
6. To submit false or misleading information

We may restrict or terminate access for violations of these Terms.

SECTION 14 – TERMINATION

We may restrict or terminate access to any part of the Services at any time, without notice.

SECTION 15 – DISCLAIMER OF WARRANTIES

The website is provided on an “as is” and “as available” basis without warranties of any kind.
We do not guarantee:

1. Accuracy or completeness of information
2. That coverage will be approved
3. Error-free or uninterrupted service

Insurance decisions are made exclusively by insurers according to their underwriting rules.

SECTION 16 – LIMITATION OF LIABILITY

To the fullest extent allowed by law, DiscloseAll Financial Services Inc. is not liable for any direct, indirect, incidental, or consequential damages arising from your use of the website or any reliance on its content.

SECTION 17 – INDEMNIFICATION

You agree to indemnify and hold harmless DiscloseAll Financial Services Inc., our advisors, employees, partners, and service providers from any claims resulting from your breach of these Terms or misuse of our Services.

SECTION 18 – SEVERABILITY

If any part of these Terms is found unenforceable, the remainder will continue in full force.

SECTION 19 – WAIVER; ENTIRE AGREEMENT

These Terms constitute the entire agreement regarding your use of the website.

SECTION 20 – ASSIGNMENT

You may not assign your rights or obligations under these Terms without our written consent.
We may assign our rights at any time.

SECTION 21 – GOVERNING LAW

These Terms are governed by the laws of the province where DiscloseAll Financial Services Inc. is headquartered and the applicable laws of Canada.

You agree to the exclusive jurisdiction of courts in that province.

SECTION 22 – HEADINGS

Headings are for convenience only and do not affect interpretation.

SECTION 23 – CHANGES TO TERMS OF SERVICE

We may update or revise these Terms at any time. Continued use of the website constitutes acceptance of any changes.

SECTION 24 – CONTACT INFORMATION

For questions about these Terms, contact:

DiscloseAll Financial Services Inc.