Terms of Use

Terms of Use and Conditions

The terms of use and conditions described herein detail how the website www.financiallysecure.ca may be used. Please read it carefully before visiting the other pages of this website. If the Financially Secure (herein referred to as “the website”) is used, you acknowledge these terms and conditions of use and you are agreeing to be bound by the terms and conditions of this website. If you do not accept nor agree with the described terms, you should not use this website.

The purpose of the website is to provide the users with information about financial products and services. All products and services mentioned on the website are subject to the terms and conditions of this website. The products and services mentioned on the website are offered only in Quebec and to Quebec residents and visitors to Quebec.

We reserve the right, in our sole discretion, to modify, alter or otherwise update these terms and conditions at any time and you agree to be bound by such modifications, alterations or updates.

The content of the website is published Liliana P. Danila a licensed Financial Security Advisor in Quebec, Canada. The regulator governing the insurance sector in Quebec is Autorité De Marché Financiers (AMF). You can visit AMF’s website at:  https://lautorite.qc.ca/en/general-public/

Collection and Use of Personal Information

The website collected data from users and passes this information, unaltered where applicable, to our chosen third-party entities with user approval.

By providing personal information on the website the user consent and acknowledge that they will be contacted by the licensed Financial Advisor Liliana P. Danila and the customer service representatives to facilitate an appointment.

The website is set up to be the link between you, the consumer and insurance carriers, and financial security advisors in your area that will assist you with quotes and information to facilitate your choice of products.

Life Insurance Advice

The website has attempted to convey information that is as reliable as possible. However, it cannot guarantee that the information is accurate, complete and up to date. In addition, Financially Secure website reserves the right to change the information on the website at any time without prior notice.

The website cannot guarantee nor be held responsible for the accuracy or reliability of the content describing any third-party information that appears on the website, regardless of whether or not said content is explicitly identified as third-party material.

Any financial information featured on this website or accessed from a link on this website it intended to be a representation example and is not to be considered financial advice on the part of Financially Secure.

Any issues that may arise from contact or communication with third-party entities is not the responsibility of Financially Secure.

The website offers personalized insurance advice to the site visitors, third-party tools, data feeds and other partner data. We are not an insurance company instead as a licensed financial security advisors we provide you with recommendations about and facilitate the purchase of life and related insurance products from a broad set of insurance companies, licensed to sell insurance products in province of Quebec, Canada.

The information, articles and descriptions contain on our blog or other area of the website are not intended to be complete and accurate descriptions of all terms, conditions and exclusions of the products and services we offer. In all cases you MUST look to the specific terms and conditions or agreements applicable to the specific product or service provided to your applicable third-party insurance carrier.

The information, articles and descriptions contained on our blog or other areas of the website are not intended to provide financial, legal, accounting or tax advice and should not be relied upon in that regard. Please consult with a professional expert with respect to your particular circumstances.

What services do we provide?

The services we provide include:

  • Obtaining quotes – We provide you with insurance quotes for products issued by third-party insurance companies. We are licensed independent financial security advisors. We do not underwrite any insurance policy made available to you through the services. Any insurance policy premium quotes or ranges displayed on the website or through the services are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Insurance products and their availability may vary by your individual circumstances. The third-party insurance products offered for sales through the website are only available in the jurisdictions in which we are properly licensed.
  • Comparing policies – We offer easy-to-use tools and summarized information to help you compare different policies and quotes from third-party insurance companies.
  • Reviewing insurance needs – We include informational and computational tools that offer recommendations to help you assess your insurance needs.
  • Proprietary content – We offer easy-to-understand information material to disseminate knowledge and information about insurance products
  • Buying insurance products – As financial security advisor, we facilitate purchase of life and related insurance products for your insurance needs. Any and all insurance products quotes or sold through the website are third-party products and are not our products. We make not presentations or warranties with respect to such products, and we accept no liability in connection with such products. All such products are provided to you pursuant to the terms and conditions of the insurance carriers providing such products, and all questions, concerns or disputes with any such products should be raised with the insurance carrier providing such products and not with us.

Offering financial advices and services. Your use of certain services may require you to agree to additional terms and conditions or enter into separate agreements with us or applicable third-party insurance carriers. Any third-party insurance products purchased by you through the website are subject to the terms and conditions of the applicable insurance carrier. In the event of conflict between these Terms of Use and the terms of any such other terms, the terms of such other terms will control.

Intellectual Property

Financially Secure and Liliana P. Danila retain exclusive rights to the website. All company names and products described on the website are the property of their owners. Express permission must be obtained prior to the reproduction or the redistribution of material contained on the website. Visitors to the website are prohibited from copying, printing or downloading information other than for personal use. No person may create any kind of link to this website without prior written consent from Financially Secure owner.

Liability Obligations

The owner of the website takes significant strides to ensure all data on this website is accurate and up to date. And, as we are made aware of inaccuracies immediately correct them. However, we are not held responsible for inaccuracies published on this website.

The website does not validate, monitor or endorse the data or quotations collected from third party as presented to you on the search results page. And, such information may be inaccurate.

As a visitor, you can browse the website in order to find information. The user agrees that using this website or any website linked is made entirely at their own risk. Financially Secure is not held liable for any damage arising from actions taken based on the information on this website or arising from damage sustained as the result of disclosing personal or confidential information to Financially Secure over the internet. Plus, financially Secure is not responsible for the harmful effects of technology that could result from using the website and give no warranty that the website is free from viruses. Financially Secure is excluded from liability where applicable by law, should any losses or claims occur as a result of an inability to access the website or the use of the information contained in.

Financially Secure reserves the right to modify at any time the terms of use applicable to information contained in displayed on the website. In the event of major change, we will provide the notice at least 30 days before the new conditions takes affect. By using the website after such modifications have taken effect, you agree and accept to be bound by such modification or revisions.

Termination of Agreement

In the event any of the above terms and conditions be breached, we reserve the right to terminate the agreement and immediately remove, cancel, and/or suspend access to this website and its functions without notice.

Confidentiality Warning

The Internet is not a secure medium and privacy cannot be ensured. Communications over the Internet are vulnerable to interception and forging. FinanciallySecure.ca website cannot guarantee complete confidentiality or security for information that is transmitted electronically. By accessing the website, you acknowledge that Financially Secure website is not responsible for any damages or losses you may suffer as a result of your electronic transmission of confidential or sensitive information to us. Please refer to our privacy policy for more information.

General Information

The website is solely directed at those who access the website from Quebec, Canada.

This website and www.financiallysecure.ca’s social media sites are controlled by Liliana Paraschiva Danila from her office within the Province of Quebec, Canada.  All matters relating to your access to or use of this website or any of the financiallysecure.ca social media sites (including the content thereat) shall be governed by the laws of the Province of Quebec and the laws of Canada applicable therein, without regard to its conflict of laws principles. In the event of a dispute, you agree to submit to the non-exclusive jurisdiction of the courts located in the Province of Quebec.

Whenever possible each provision of these terms and conditions shall be interpreted in such a manner as to be effective and valid under applicable law, but if any provision of these terms and conditions shall be prohibited, void, invalid, or unenforceable under applicable law, such provision shall be ineffective to the extent of such prohibition, invalidity, voidability, or enforceability without invalidating the remainder of such provision or the remaining provisions of this agreement. We and you agree that any ambiguity or vagueness of any provision of this agreement shall not be construed against the drafting party because of its being the drafter of this agreement.

By accessing this website you hereby irrevocable submit and attorn to the province and federal courts located in the city of Montreal, Quebec for any disputes or matters arising from, connected with or relating to the website, this agreement or any related matters.

All claims and disputes arising under or relating to these terms and conditions are to be settled by binding arbitration in the Province of Quebec, Canada.