Terms of use

This is an agreement between the Patrimony Life Financial group of companies (Patrimony Life Financial Services Inc. and Patrimony Life Financial Labs Inc. together "Patrimony Life Financial"), owner and operator of the website accessible at patrimonylifefinancial.ca and the platform accessible on this site (the "Platform") (together the "Services") and you ("you"), a user of the Services ("User"). By using the Services, you acknowledge and agree to these terms of use (the "Terms of Use") and Patrimony Life Financial's Privacy Policy. If you choose not to accept these Terms of Use or the Privacy Policy, you must refrain from using the Services.

The Services are accessible only to Users who can legally enter into contracts, as provided by applicable laws. By using the Services, you represent and warrant that you are of legal age in your place of residence to enter into a contract or that you have obtained the prior consent of a parental authority to use the Services.

Patrimony Life Financial retains the right, at its sole discretion, to change or modify these Terms of Use or any of the sections of these Terms of Use at any time without notice. The amended terms will be effective when posted and will apply to your use of the Services from that time.

3.1 Features — The Services allow you to obtain information on our products and services, to calculate your insurance needs, to start a chat with an advisor and to offer you a secure access ("Patrimony Life Financial Secure Access") where you can purchase a life insurance policy and download your insurance contract.

3.2 Information — The information available through our Services is subject to the terms and conditions set forth in the contracts relating to them. The User must refer to his or her insurance policies to know the exact extent of the guarantees, insurance amounts, deductibles, conditions and limitations. The information is intended only for use in Canada and is not intended for use or sale in locations not permitted by law.

3.3 Eligibility — You must declare to Patrimony Life Financial all known circumstances that are likely to influence the setting of your premium, the assessment of risk or your eligibility to an insurance policy.

3.4 Purchase — If you purchase a product or service, you will be required to provide accurate payment information. Patrimony Life Financial uses third party suppliers ("Third Parties"), Stripe and Paysafe, to process your payment, subject to their terms and privacy policy.

3.5 Consent — By clicking navigation buttons on transaction pages, you confirm that you have read and understood the terms relating to the submission or purchase of your insurance contract.

3.6 Access — Patrimony Life Financial grants you a limited, non-exclusive and non-transferable right to access and use the Services for lawful purposes.

3.7 Usage control — Patrimony Life Financial may log events relating to security, audit or statistics, including access to the Services and related activity.

3.8 Restrictions — You may not misuse the Services, including scraping, unauthorized automated access, spam, interference with servers, uploading malware, harvesting personal data, impersonation, circumventing access controls, reverse engineering, or any use in violation of applicable law.

3.9 Investigations — Patrimony Life Financial may investigate and prosecute violations of these Terms to the fullest extent permitted by law.

When you purchase a product, a User account may be created. You agree to provide true and complete information and to keep it updated. You are responsible for the confidentiality of your account and for all activity under your account. Patrimony Life Financial may suspend or close accounts for breach of these Terms, inactivity (with notice before deletion of data after one year), or as required by law.

Trademarks, copyrights, industrial designs and patents relating to the Services are protected. Feedback you provide may be used by Patrimony Life Financial without compensation. Documentation may be reproduced only as necessary to support your use of the Services.

You retain ownership of content you post. By submitting content, you grant Patrimony Life Financial a broad license to operate the Services, subject to the Privacy Policy. You must not post abusive, discriminatory, or unlawful content. You are solely responsible for your content and represent that you have the rights to grant the license.

You must keep confidential all non-public Patrimony Life Financial information disclosed to you, use it only for permitted purposes, and not disclose it except as permitted by these Terms, with consent, or as required by law. Notify Patrimony Life Financial promptly if required to disclose or if you learn of unauthorized disclosure.

By providing your email through the Services, you consent to Patrimony Life Financial using your address for surveys, information about Patrimony Life Financial, and other communications related to the Services or security.

External sites linked from the Services are not controlled by Patrimony Life Financial. You assume all risks from using external sites and release Patrimony Life Financial from related liability.

The Services and Secure Access are provided "as is" without warranties of any kind to the fullest extent permitted by law. Information may contain errors or omissions; Patrimony Life Financial does not guarantee uninterrupted or error-free operation.

To the fullest extent permitted by law, Patrimony Life Financial and its affiliates are not liable for indirect or consequential damages arising from use of the Services or Secure Access, including loss of profits, data, or reliance on information obtained through the Services.

You agree to indemnify and hold harmless Patrimony Life Financial and related parties from claims arising from your use of the Services or violation of these Terms or third-party rights.

Patrimony Life Financial may terminate or suspend access without notice for breach or other reasons. Provisions that by nature should survive (intellectual property, disclaimers, limitation of liability, indemnity) survive termination.

For disputes, you agree first to contact Patrimony Life Financial informally. If unresolved, parties agree to mediation under the Code of Civil Procedure of Quebec (articles 605 et seq.), then binding arbitration in Quebec City under articles 620 et seq., except where law prohibits arbitration or protects consumer court rights. Class actions are waived except where prohibited by law. Parties may seek interim measures from a court.

This Agreement is governed by the laws of the Province of Quebec, without regard to conflict of law rules. Your conduct may also be subject to other applicable laws.

These Terms and the Privacy Policy constitute the entire agreement. Patrimony Life Financial may modify this document; the latest version will be posted at patrimonylifefinancial.ca. You may not assign these Terms. Waivers must be written. If a provision is invalid, the remainder remains enforceable.

Patrimony Life Financial may offer a mobile messaging program through AutopilotHQ, Inc. ("Autopilot"). By opting in, you agree to these mobile terms and the Privacy Policy. You may receive marketing messages; consent is not required to purchase. Reply STOP, END, CANCEL, UNSUBSCRIBE, or QUIT to opt out. Message and data rates may apply.

If you change your phone number, you must opt out first. You agree to indemnify the company for failures to update contact information under applicable telemarketing laws. The program is "as-is"; carriers are not liable for delayed or undelivered messages. Users must be 13+; ages 13–18 require parental permission. Prohibited content includes fraud, harassment, illegal promotions, and HIPAA-protected health information in messages.

Disputes related to the Program are subject to binding individual arbitration in Quebec City under AAA Commercial Arbitration Rules, with a class action waiver where permitted by law. This arbitration clause survives termination of participation.

Patrimony Life Financial welcomes your comments and questions at contact@patrimonylife.ca.

© Patrimony Life Financial.