Terms and Conditions of Use
CapitalProtect
Please read these terms and conditions carefully before using our website.
By accessing or using this website, you agree to accept the conditions outlined in this notice. Any visitor, user, or person accessing our website must comply with these terms. If you do not agree with these terms, you must cease use of this website immediately.
Reliability and Modification of Information
— The content on our site is as reliable as possible; however, we cannot guarantee that it will always be accurate, complete, and current.
— In the event of a discrepancy between the information published on this site and that contained in a contract, the information in the contract shall prevail.
— We reserve the right to modify such information and data at any time without notice. We will determine what constitutes a material change at our sole discretion.
Copyright and Content Reproduction
The content of this site is protected by copyright laws in Canada and other applicable countries.
— Copying, reproducing, publishing, or distributing any information found on this site, in whole or in part, is strictly forbidden.
— You may copy, print, or download information for non-commercial personal use, provided the information has not been modified in any way and the source is acknowledged.
Our prior written authorization is required for any use other than specified above, failing which we shall take appropriate legal action.
Collection and Use of Personal Information
When you choose to provide personal information (for example through a contact form, appointment request or newsletter sign-up), this information is collected with your consent.
The personal information you provide is not sold, rented or traded to third-party data providers. It is used only to:
— communicate with you.
— respond to your requests.
— send you information about our services and products, where you have opted in, in accordance with applicable Canadian privacy and electronic communications laws.
We do not share your personal information with third parties except where required by law or where it is necessary to deliver a service you have requested (for example, scheduling tools or email delivery services). In such cases, those third parties are required to protect your information in compliance with applicable laws.
You may withdraw your consent to receive promotional communications at any time by using the unsubscribe mechanism provided (where applicable) or by contacting us directly.
Legal Disclaimer
Our website terms and conditions of use and Privacy Policy govern all transactions made via our site. By making an online transaction, you agree to the terms outlined in these documents. Obtaining a product or service may be subject to certain conditions. We are not responsible for:
— Losses or damage arise directly or indirectly from the use of this site and the information contained therein.
— Special or consequential damages.
— Third-party damages.
— Damages from acts or deeds performed based on the information on this site.
— Damages from the disclosure of personal or confidential information transmitted via the Internet.
— Damages from unauthorized reproduction or use of the information on this site.
— Losses or damages from your use of the information on this site, or goods or services available on or through non-owned websites.
Site Availability and Use
This site is provided and accessible according to its availability. We do not guarantee continuous, uninterrupted use, or that there will be no delays, failures, or errors. We do not guarantee against viruses or other destructive properties transmitted from our site to your computer system.
Jurisdiction
This website does not constitute an offer or solicitation in any jurisdiction where it is unauthorized or unlawful. References to third-party goods or services do not constitute endorsements. By accessing links provided, you leave our site. We are not responsible for the information on these websites. We encourage you to read the terms and conditions and Privacy Policy of any website you visit.
General Information
The information on this website is for general purposes only and reflects the opinion of the owners and writers. It is not intended to provide specific advice, including insurance, investment, financial, legal, accounting, or tax advice. Please contact us to discuss your circumstances.
This website is intended for Canadian residents only. The information herein is subject to change without notice. The owner and publisher are not liable for any inaccuracies.
If you have any questions, please don't hesitate to contact us!
Status and Scope of Activities
The insurance and segregated fund products mentioned on this site are offered by Smaïl Benyassine, Life Insurance and Accident & Sickness Insurance Advisor, duly licensed in Ontario under the license number 25239874. Smaïl Benyassine carries on business as an independent representative providing services through Experior Financial Group Inc., and is officially sponsored by BENEVA INC.