1. General Information

The information provided on this website is for general informational purposes only and is not intended as legal, financial, or insurance advice. While True Life Assurance strives to ensure that all information is accurate and up to date, we make no representations or warranties, express or implied, regarding the completeness, accuracy, reliability, or suitability of the content.

Your use of this website and reliance on any information is at your own risk.

2. No Professional Advice

Nothing on this website constitutes professional advice. Insurance coverage decisions should be made in consultation with a licensed insurance professional who can assess your specific needs and circumstances.

3. Licensing & Regulation

True Life Assurance is licensed to provide insurance services in the Province of Ontario and operates in accordance with the regulations set by the Financial Services Regulatory Authority of Ontario (FSRA).

All insurance products are underwritten by licensed insurers authorized to conduct business in Canada.

4. Insurance Products & Availability

Insurance products and services described on this website are subject to terms, conditions, limitations, and exclusions as outlined in the applicable policy wordings.

Coverage availability, pricing, and eligibility may vary based on underwriting criteria, risk assessment, and provincial regulations. Quotes obtained through this website are non-binding estimates and do not guarantee coverage.

5. Errors & Omissions (E&O) Insurance

True Life Assurance maintains Errors & Omissions insurance coverage in accordance with applicable regulatory requirements. This coverage is designed to protect the business and its clients in the event of professional errors, omissions, or negligent acts in the provision of insurance services.

The existence of E&O coverage does not alter or expand the terms, conditions, or limitations of any insurance policy issued to clients, nor does it replace the need for clients to review their policies carefully and ensure adequate coverage.

6. Complaints & Dispute Resolution

[Your Company Name] is committed to providing high-quality service and addressing client concerns in a fair, transparent, and timely manner.

If you have a complaint about our products or services, we encourage you to follow the steps below:

Step 1: Contact Us Directly
Please contact your advisor or our office using the contact information below. We will acknowledge receipt of your complaint and work to resolve it as quickly as possible.

Step 2: Escalation
If your complaint is not resolved to your satisfaction, you may request that it be escalated internally for further review.

Step 3: External Resolution Options
If you remain dissatisfied after our internal review process, you may have access to independent dispute resolution services, such as the General Insurance OmbudService (GIO) for general insurance matters, or other applicable ombudservices depending on the type of insurance product.

You may also contact the Financial Services Regulatory Authority of Ontario (FSRA), which oversees insurance regulation in Ontario. While FSRA does not resolve individual complaints, it monitors industry practices and may review concerns related to regulatory compliance.

We will provide information about the appropriate complaint resolution channels upon request.

7. Limitation of Liability

To the fullest extent permitted by applicable law, True Life Assurance, its affiliates, and representatives shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with the use of this website or reliance on its content.

8. Intellectual Property

All content on this website, including text, graphics, logos, icons, images, and software, is the property of True Life Assurance or its licensors and is protected under the Copyright Act (Canada) and other applicable intellectual property laws.

Unauthorized use, reproduction, or distribution of any materials from this website is strictly prohibited without prior written consent.

9. Trademarks

All trademarks, service marks, logos, and trade names displayed on this website are the property of True Life Assurance or their respective owners and are protected under the Trademarks Act (Canada).

Any unauthorized use, reproduction, or misuse of these trademarks is strictly prohibited.

10. Third-Party Links

This website may contain links to third-party websites for your convenience. True Life Assurance does not control, endorse, or assume responsibility for the content, policies, or practices of any third-party websites.

Accessing such websites is done at your own risk.

11. Privacy & Personal Information

Your use of this website is also governed by our Privacy Policy. We collect, use, and disclose personal information in accordance with applicable privacy laws, including the Personal Information Protection and Electronic Documents Act(PIPEDA).

12. Governing Law

This website and its contents are governed by the laws of the Province of Ontario and the applicable federal laws of Canada. Any disputes arising from the use of this website shall be subject to the exclusive jurisdiction of the courts of Ontario.

13. Accessibility

True Life Assurance is committed to providing accessible services in accordance with the Accessibility for Ontarians with Disabilities Act (AODA). If you require accommodations, please contact us using the information below.

14. Changes to This Page

We reserve the right to update or modify this Legal & Trademarks page at any time without prior notice. Changes will take effect immediately upon being posted on this website.

15. Contact Information

If you have questions regarding this Legal & Trademarks page, or wish to submit a complaint, please contact us:

True Life Assurance

info@truelifeassurance.ca
437-524-0565