Terms & Conditions
The terms on which this website is made available to you.
By accessing or using this website you agree to these terms. If you do not agree with them, please do not use the site.
Information is general, not advice
The content on this site is general information about insurance and investment products available in Canada. It is not personal financial, insurance, tax or legal advice, and it does not take your circumstances into account. Nothing here is an offer to sell or a solicitation to buy any product. You should obtain advice specific to your situation before acting on anything you read here.
No contract of insurance
Product descriptions on this site are summaries. They are not a contract of insurance and they do not modify any policy. Coverage, eligibility, benefits, exclusions, limitations and premiums are determined solely by the issuing insurer and the policy wording actually issued to you. Where anything on this site conflicts with a policy document, the policy document prevails.
Rates and availability
Any premium or rate shown is an estimate for illustration only and is not a guaranteed quotation. Rates depend on underwriting and can change without notice. Where a figure shown here differs from an insurer’s own quotation system, the insurer’s figure prevails. Products and features are subject to availability and may not be offered in every province or territory.
Registered plans and government programmes
Contribution limits, grant rates, eligibility rules and tax treatment for registered plans such as the RESP, RRSP, TFSA and FHSA are set by the Government of Canada and may change. Immigration requirements, including those for Super Visa insurance, are set by Immigration, Refugees and Citizenship Canada and are subject to change. Always confirm current requirements before relying on them.
Intended audience
This site is intended for residents of Canada and for visitors to Canada. It is not directed at residents of any jurisdiction where publishing or making the content available would be contrary to local law.
Intellectual property
The content, layout and design of this site, other than third-party logos and marks, belong to Preeti Sidhu Insurance and Investments. Insurer names and logos are the property of their respective owners and are shown to identify the carriers with whom we hold contracts. You may view and print pages for your own reference, but you may not reproduce or republish them commercially without our written permission.
Third-party links
This site may link to websites operated by others, including insurers. We do not control those sites and are not responsible for their content, availability or privacy practices. A link is not an endorsement.
Availability and limitation of liability
We work to keep this site accurate and available, but we do not warrant that it will be uninterrupted, error-free, or that the information is complete or current at any given moment. To the extent permitted by law, we are not liable for any loss arising from use of, or reliance on, this site. Nothing in these terms limits liability that cannot be limited by law.
Privacy
Personal information submitted through this site is handled in accordance with our privacy policy.
Governing law
These terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable there.
Contact
Questions about these terms may be sent to [email protected] or +1 (416) 427-3232.