Terms of Service

1. Acceptance of Terms

By accessing or using the website located at bestplanner.ca (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, please do not use the Site. These Terms apply to all visitors, clients, and others who access or use the Site.

2. About Our Services

Best Planners Inc. is a licensed insurance and financial advisory firm operating in Ontario under licences issued by the Financial Services Regulatory Authority of Ontario (FSRA). The Site provides general information about our services, including life insurance, disability insurance, critical illness coverage, group benefits, registered savings plans (RRSP/TFSA), and travel and super visa insurance.

3. Not Financial or Legal Advice

The content on this Site is for general informational purposes only and does not constitute financial, insurance, tax, or legal advice. No advisor-client relationship is formed by your use of this Site. A formal engagement begins only when we have entered into a written advisory agreement with you.

4. Accuracy of Information

While we strive to keep the information on this Site current and accurate, product details, rates, and regulatory requirements change frequently. We make no warranty that any information on the Site is complete, accurate, or up to date. Always confirm details directly with our advisors before making any financial decision.

5. Use of the Site

You agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable laws or regulations.
• Attempt to gain unauthorized access to any part of the Site or its underlying systems.
• Transmit any content that is defamatory, fraudulent, or harmful to others.
• Use automated tools to scrape, crawl, or extract data from the Site without our prior written consent.

6. Submission of Personal Information

By submitting personal or health information through forms on this Site, you confirm that the information provided is accurate and that you consent to its collection and use as described in our Privacy Policy. You acknowledge that health information submitted for insurance applications is shared with the relevant insurer and is governed by that insurer's privacy practices.

7. Intellectual Property

All content on this Site — including text, graphics, logos, and page design — is the property of Best Planners Inc. or its content suppliers and is protected by Canadian and international copyright laws. You may not reproduce, distribute, or create derivative works without our prior written permission.

8. Third-Party Links

The Site may contain links to third-party websites, including insurance carriers and government resources. These links are provided for convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

9. Disclaimer of Warranties

The Site is provided "as is" and "as available" without warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Best Planners Inc. and its officers, directors, employees, and advisors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Site or any content on it. Our total liability to you for any claim arising from these Terms shall not exceed $100 CAD.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes shall be subject to the exclusive jurisdiction of the courts of Ontario.

12. Changes to These Terms

We may modify these Terms at any time. Changes take effect when posted on this page with an updated "Last updated" date. Your continued use of the Site after any change constitutes acceptance of the revised Terms.

13. Contact Us

Questions about these Terms should be directed to: Best Planners Inc., 195 Queen St E, Brampton, ON L6W 2B3 · info@bestplanner.ca · (905) 454-6452.