These Terms and Conditions (“Terms”) govern your access to and use of the website operated by Protect & Prosper Canada (“we,” “us,” or “our”), including any pages, forms, content, seminar registration pages, booking pages, and related services made available through the website (collectively, the “Site”).

By accessing or using the Site, submitting a form, registering for a seminar, or requesting a meeting, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must not use the Site.

1. Purpose of the Site

The Site is provided for general informational, educational, and scheduling purposes only. It is intended to help visitors:

• learn about insurance and related financial topics;
• register for seminars, webinars, or educational events;
• request a 1-on-1 meeting or consultation; and
• contact us for more information about services that may be available through properly licensed channels.

The Site DOES NOT provide online insurance coverage, online policy issuance, or binding financial, legal, tax, or accounting advice.

2. No Professional Advice [IMPORTANT!!!]

The information on this Site is general in nature and is not intended to constitute legal, tax, accounting, financial planning, investment, or other professional advice.

Any strategies, concepts, or examples described on the Site, including those related to:

• insurance;
• segregated funds;
• retirement strategies;
• registered accounts;
• children’s education savings;
• estate-related planning; or
• wealth accumulation concepts,

are provided for general educational purposes only and may not be suitable for every person.

You should not rely solely on the Site when making financial or insurance decisions. Recommendations, if any, should only be made after a proper review of your personal circumstances, needs, objectives, risk tolerance, eligibility, and any applicable product terms.

3. No Offer or Solicitation Where Prohibited

Nothing on this Site constitutes an offer to sell or a solicitation to purchase any product or service in any jurisdiction where such offer or solicitation is not permitted.

Any products or services referenced on the Site are subject to availability, eligibility, licensing, regulatory requirements, and the terms and conditions of the applicable product contract or provider.

4. No Guarantee of Results

We do not guarantee any specific financial outcome, investment result, insurance approval, tax result, estate outcome, or other result from:

• using the Site;
• attending a seminar;
• requesting a meeting; or
• acting on general information provided through the Site.

Past performance, examples, and hypothetical scenarios are not guarantees of future results.

5. Insurance and Segregated Fund Disclosures

Information on the Site relating to insurance or segregated funds is general and may not include all terms, conditions, limitations, exclusions, fees, risks, guarantees, or features.

Any insurance or segregated fund product is subject to the terms of the applicable policy, information folder, contract, and insurer requirements.

Guarantees, where applicable, are subject to the terms of the governing contract and may depend on factors such as holding period, withdrawals, deposits, resets, market performance, and beneficiary or estate circumstances.

6. Seminar and Meeting Registration

When you register for a seminar, webinar, or 1-on-1 meeting through the Site, you agree that:

• the information you provide will be accurate and complete;
• we may contact you regarding your registration or request;
• seminar dates, topics, speakers, format, and availability may change without notice;
• submitting a meeting request does not guarantee acceptance, availability, or suitability for service; and
• we may decline, reschedule, cancel, or limit bookings at our discretion.

A seminar, webinar, or meeting request does not create an advisor-client relationship by itself.

7. No Advisor-Client Relationship Created by Site Use Alone

Your use of the Site, submission of a form, registration for a seminar, or request for a consultation does not by itself create:

• a client relationship;
• an advisor-client relationship;
• a fiduciary relationship;
• an insurance contract; or
• an obligation on our part to provide any product or service.

Any formal relationship will arise only if and when we agree to proceed through the appropriate process and, where required, complete the necessary disclosure, suitability, application, and compliance steps.

8. User Conduct

You agree to use the Site only for lawful purposes. You must not:

• submit false, misleading, or incomplete information;
• use the Site in a way that violates any law or regulation;
• interfere with the Site’s operation or security;
• attempt unauthorized access to the Site, data, or systems;
• transmit malicious code, spam, or harmful material;
• impersonate another person or entity; or
• misuse forms, booking tools, or communication channels.

We may restrict or terminate access to the Site for any misuse, abuse, suspected fraud, unlawful conduct, or breach of these Terms.

9. Privacy and Electronic Communications

Your use of the Site is also subject to our Privacy Policy.

By submitting your information through the Site, you acknowledge that we may collect, use, and disclose personal information in accordance with our Privacy Policy and applicable law.

If you expressly consent to receive promotional or follow-up communications, we may contact you by email, phone, or text message in accordance with applicable law, including Canada’s Anti-Spam Legislation where applicable. CASL generally requires consent, sender identification, and an unsubscribe mechanism for commercial electronic messages.

10. Third-Party Providers and Links

The Site may contain links to third-party websites, tools, webinar platforms, booking platforms, social media pages, insurers, agencies, MGAs, or other service providers.

We do not control third-party websites or services and are not responsible for:

• their content;
• their availability;
• their privacy practices;
• their security; or
• their terms and conditions.

Your use of any third-party site or service is at your own risk and subject to that third party’s own terms.

11. Intellectual Property

All content on the Site, including text, graphics, branding, logos, page layouts, downloads, forms, videos, design elements, and other materials, is owned by us, licensed to us, or otherwise used with permission, and is protected by applicable intellectual property laws.

You may view and print a single copy of Site content for your personal, non-commercial use only. You may not, without our prior written consent:

• copy, reproduce, republish, upload, post, transmit, or distribute Site content;
• modify or create derivative works from Site content;
• use our name, logo, or branding in a misleading way; or
• use Site content for commercial exploitation.

12. User Submissions

If you submit information, comments, messages, or other content through the Site, you represent that:

• the information is accurate to the best of your knowledge;
• you have the right to provide it;
• it does not violate any law or third-party rights; and
• it does not contain harmful, unlawful, or malicious material.

You remain responsible for any information you submit.

13. Availability of the Site

We do not guarantee that the Site will always be available, uninterrupted, secure, or error-free.

We may modify, suspend, restrict, or discontinue any part of the Site at any time, with or without notice.

14. Disclaimer of Warranties

The Site and all content made available through it are provided on an “as is” and “as available” basis, without warranties of any kind, express or implied, to the fullest extent permitted by law.

We do not warrant that:

• the Site will meet your needs;
• the Site will be uninterrupted, timely, secure, or error-free;
• any defects will be corrected; or
• the Site or its servers are free of viruses or other harmful components.

15. Limitation of Liability

To the fullest extent permitted by law, we and our affiliates, service providers, licensors, and representatives will not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages arising from or related to:

• your use of or inability to use the Site;
• reliance on Site content;
• seminar attendance or non-attendance;
• meeting requests, scheduling issues, or cancellations;
• errors, omissions, interruptions, or delays;
• unauthorized access to data; or
• third-party websites, services, or providers.

Where liability cannot be excluded, it will be limited to the minimum amount permitted by applicable law.

16. Indemnity

You agree to indemnify and hold harmless Protect & Prosper Canada and its affiliates, officers, representatives, contractors, and service providers from any claims, losses, liabilities, damages, costs, or expenses arising from:

• your breach of these Terms;
• your misuse of the Site;
• your violation of applicable law; or
• your infringement of any third-party right.

17. Compliance and Licensing

Protect & Prosper Canada operates in a regulated environment. In Ontario, FSRA licenses and regulates life and health insurance agents and companies, and FSRA applies fair treatment of customers expectations across the insurance sector.

Nothing on this Site should be interpreted as expanding any licence, authority, designation, or scope of practice beyond what is permitted by law, regulation, licensing status, insurer rules, or compliance requirements.

18. Geographic Use

The Site is intended primarily for users in Canada. We make no representation that Site content is appropriate or available in all jurisdictions.

If you access the Site from outside Canada, you do so at your own initiative and are responsible for compliance with local laws.

19. Governing Law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of laws principles.

Any disputes relating to these Terms or the use of the Site shall be subject to the exclusive jurisdiction of the courts of Ontario, unless applicable law requires otherwise.

20. Changes to These Terms

We may update these Terms from time to time. The updated version will be posted on this page with a revised effective date.

By continuing to use the Site after updated Terms are posted, you accept the revised Terms.

21. Contact

If you have questions about these Terms, please contact:

Protect & Prosper Canada
Contact: Lukas Jocius
Email: lukas@affinityontario.com