These terms apply to www.insufin.com and www.sherkatebimeh.com, operated by Insufin Inc. (“Insufin,” “we,” or “us”). Please read them before using our websites.
1. Our role and availability of services
Our websites provide information about insurance and related financial planning topics. Insufin is not the insurer underwriting the policies described.
Regulated services are provided through the appropriately licensed or authorized individual or entity identified in the relevant disclosure and transaction documents. Availability depends on your location, eligibility, applicable licensing requirements, and the provider’s product rules.
Access to a website does not mean that every advertised product or service is available in your jurisdiction.
2. General information and individual advice
Website articles, videos, FAQs, calculators, examples, and social media content are general information. They are not a personalized recommendation or a substitute for reviewing your circumstances with an appropriately qualified professional.
Legal, tax, accounting, medical, and immigration information is general in nature. Obtain advice from the relevant professional before acting.
Visiting a website, submitting an inquiry, or booking a consultation does not, by itself, establish an ongoing advisory or monitoring arrangement.
3. Coverage and policy documents
Website descriptions are summaries. Coverage, exclusions, limitations, deductibles, waiting periods, definitions, and claim eligibility are governed by the applicable policy or contract.
An inquiry, quotation, booking confirmation, or application submission does not itself create, renew, amend, or cancel coverage. Coverage begins only as provided in the applicable insurer’s policy or temporary insurance agreement.
Do not cancel existing coverage or assume new coverage is active without appropriate confirmation.
4. Quotations, illustrations, and outcomes
Quotations and illustrations depend on their stated assumptions and may change following underwriting, eligibility review, or changes in product availability.
We do not guarantee application approval, claim payment, premiums, investment returns, tax treatment, or immigration outcomes. Any product guarantee is limited to the express terms and conditions of the applicable contract.
Calculators and examples provide estimates and do not predict your individual results. Past performance is not a guarantee of future results.
5. Information and online submissions
Please provide accurate and complete information and notify the advisor of relevant changes.
Submitting a form does not confirm that an application or transaction has been accepted or processed. Follow the instructions provided by the advisor, insurer, or other authorized provider.
Do not submit passwords, Social Insurance Numbers, payment card details, or sensitive medical documents through general inquiry fields, website chat, or appointment notes. Ask us for an appropriate submission method.
6. Privacy and communications
Personal information is handled as described in our separate Privacy Policy and any notices or consents applicable to the service you request.
Requesting information or booking an appointment does not constitute consent to unrelated marketing, meeting recording, transcription, or AI-assisted processing.
Website chat and general inquiry forms are not emergency channels. For urgent claims or coverage matters, use the appropriate insurer or service contact.
7. Third-party services and intellectual property
Links, embedded tools, and third-party platforms may have separate terms and privacy practices. A link does not guarantee a third party’s services or results.
Website content belongs to Insufin or its respective owners. You may view it and print reasonable portions for personal, non-commercial use, subject to applicable law. Commercial reproduction or reuse requires the relevant owner’s permission.
8. Website accuracy and responsibility
We take reasonable care in preparing website content, but information may become outdated and technical interruptions may occur. Please confirm material information before making a decision.
To the extent permitted by law, Insufin and its representatives are not responsible for losses caused solely by technical failures beyond their reasonable control or unauthorized misuse of the websites.
Nothing in these terms excludes liability that cannot lawfully be excluded, limits applicable professional obligations, or removes your statutory rights or remedies.
9. Applicable law and updates
These terms are governed by the laws of Ontario and applicable Canadian federal law, subject to mandatory laws and rights that apply in your jurisdiction.
Updates will be posted on this page with a revision date and will apply prospectively. They do not change an existing insurance contract or separately agreed service arrangement.
10. Appointment Booking Terms
These conditions apply to virtual and in-person appointments booked with Insufin, whether booked directly by you or by our staff on your behalf.
Appointment details
Please check the date, time, time zone, duration, and meeting location or link in your confirmation. The duration stated in your confirmation applies. Late arrival may reduce the time available, and extensions are subject to advisor availability.
Cancellations and rescheduling
Please use the cancellation or rescheduling link in your confirmation, where available, or contact general@insufin.com. We request at least 24 hours’ notice whenever possible. If online changes are unavailable, please contact us directly.
Meeting access
Use the meeting link provided in the current confirmation for your appointment. If you receive conflicting invitations or different links for the same appointment, contact general@insufin.com for clarification.
Please join virtual meetings from a private location and do not share your meeting link with unintended participants. Inform the advisor if another person will attend; appropriate consent or authority may be required before discussing personal information.
Recording, transcription, and AI
Booking an appointment does not constitute consent to recording, transcription, or AI-assisted processing. If these features are proposed, we will explain their purpose and request appropriate consent before enabling them. If you decline, we will discuss a suitable alternative.
Changes by Insufin
If advisor availability, technical difficulties, or unforeseen circumstances require us to reschedule, we will make reasonable efforts to notify you and arrange another suitable appointment.
No coverage or transaction created
An appointment or booking confirmation does not itself establish insurance coverage or complete a policy transaction. The coverage and transaction provisions elsewhere in these terms continue to apply.
Contact
Insufin Inc.
Website and client-service enquiries: general@insufin.com
