DISCLAIMER‏

Insuranceplancanada.com portal is owned and operated by Life Care Insurance and Financial Experts Inc. and its Director Saurabh Rattan who owns 100% shares of Life Care Insurance and Financial Experts Inc. and is duly licensed in the province of Ontario and British Columbia. Life Care Insurance and Financial Experts Inc. is a duly licensed Agency dealing in Life Insurance and other Health Insurance products, RRSP, RESP, Segregated Funds etc. in the province of Ontario only. If you live in any province other than Ontario, please talk to us directly so that we can arrange our partner agents duly licensed in your jurisdiction to advise you on any product.

The purpose of our website is to provide information on insurance products for individuals, business owners and families. This website does not provide detailed information or interpretation of specific insurance contracts, policies and/or policy language, and is not designed to be a substitute for such information in terms of claims handling and/or settlement. For complete coverage information, please refer to the applicable specific policy in its entirety, including all applicable endorsements. In no case any information provided on the website whether product specific, third party links, articles and or not limited to financial calculators should not be substituted for a licensed advisor/ tax/ legal/accounting professional’s advice.

We strictly believe that before making any choice the user should talk to an expert who is duly licensed to sell or advise and in no case the website, owner or Mr Saurabh Rattan should be held responsible for any loss, perceived loss, error, future loss, monetary loss etc.

Furthermore, information submitted via our website will be held confidential and will be used for insurance purposes only. Completion and/or submission of the applications or request for additional information does not constitute the purchase of insurance, nor does it represent any agreement to provide coverage under any insurance policy.

No coverage will be bound, added, altered or changed as a result of submitting a request for information or quotation of insurance. Only coverage that has been confirmed bound by Life Care Insurance and Financial Experts Inc. or any of its affiliated companies will be considered bound. Coverage is also subject to an acceptable signed application and receipt of the proper payment, if applicable, while meeting the underwriting guidelines of the Insurance Company providing coverage.

 The information and descriptions contained on our website are not intended to be complete descriptions of all terms, exclusions and conditions applicable to every insurance product or service offered by Life Care Insurance and Financial Experts Inc  who owns and operate insuranceplancanada.com  portal, but are provided "as is" and for general informational purposes.

Life Care Insurance and Financial Experts Inc  who owns and operate insuranceplancanada.com portal makes no representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies or typographical mistakes.

Life Care Insurance and Financial Experts Inc  who owns and operate insuranceplancanada.com portal does not warrant that the website will operate error free or is free from viruses, worms, Trojan horses or other destructive or harmful code.

Life Care Insurance and Financial Experts Inc  who owns and operate insuranceplancanada.com portal also assumes no responsibility, and shall not be liable for, any damages to your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website or arising in connection with any failure of performance, error, omission, interruption, defect, computer virus, delay in operation or transmission, or line or system failure.

Life Care Insurance and Financial Experts Inc owner and operator of insuranceplancanada.com portal DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT

AUTHORIZATION OF USE & LEGAL NOTICE OF COPYRIGHT
Life Care Insurance and Financial Experts Inc owner and operator of insuranceplancanada.com portal and its affiliated companies hereby authorizes any person to access this Website for informational purposes only. Life Care Insurance and Financial Experts Inc. and its affiliated companies reserve the right to terminate access to this Website at any time without notice.  This web site is not intended to infringe on the copyright of any individual or entity.

NO WARRANTIES:
The user of this Web site assumes all responsibility and risk for the use of this Web site and the Internet generally. Life Care Insurance and Financial Experts Inc. owner and operator of portal insuranceplancanada.com and its affiliated companies, employees, agents, directors, officers and owners disclaim all warranties, representations or endorsements, expressed or implied, with regard to the data, information and material included in, or accessible from, this Web site or the Internet, including, but not limited to, all implied warranties of merchantability, fitness for a particular purpose or non-infringement. Life Care Insurance and Financial Experts Inc and its affiliated companies have the right to discontinue, change or update any data, information or material included in the Web site without prior notice, and they do not assume any legal liability or responsibility for the accuracy, completeness or usefulness of any data, information or material included in, or accessible from, this Web site. No advice or information given by Life Care Insurance and Financial Experts Inc or its affiliated companies shall create any warranty. Neither Life Care Insurance and Financial Experts Inc. nor its affiliated companies warrants that the data, information and material included in the Web site or on the Internet will be uninterruptible or error free or that any data, information, software or other material accessible from this Web site is free of viruses or other harmful components. Several of our pages describe various insurance products. The availability of a specific product may differ from state to state. The product descriptions are general in nature and the insurance coverage is subject to the specific terms of the actual policies issued. If you are interested in the terms and conditions of a specific product, please contact us for additional information.

DISCLAIMER OF LIABILITY:
In no event shall Life Care Insurance and Financial Experts Inc  who owns and operate insuranceplancanada.com portal or its affiliated companies, employees, agents, directors, officers or owners be liable for any compensatory, special, direct, incidental, indirect, or consequential damages, exemplary damages or any damages whatsoever resulting from loss of use, data, information or profits arising out of or in connection with the use or performance of the data, information or material included in this Web site or on the Internet generally or on any other basis.

DISCLAIMER FOR THIRD PARTY LINKS:
This Web site may contain links to third-party Web sites that are not controlled by Life Care Insurance and Financial Experts Inc who owns and operates insuranceplancanada.com portal or its affiliated companies. These third-party links are made available to you as a convenience and you agree to use these links at your own risk.

Please be aware that Life Care Insurance and Financial Experts Inc and its affiliated companies are not responsible for the content of third-party Web sites linked to insuranceplancanada.com or its affiliated companies nor are we responsible for the privacy policy or practices of third-party Web sites linked to insuranceplancanada.com or its affiliated companies. Our Privacy Policy only applies to information we collect from you while you are actively in a connection with insuranceplancanada.com or its affiliated companies. If you should link to a third-party Web site from insuranceplancanada.com owned by Life Care Insurance and Financial Experts Inc. or its affiliated companies we strongly encourage you to review and become familiar with that Web site's privacy policy.
ELECTRONIC COMMUNICATIONS:
Life Care Insurance and Financial Experts Inc. owner and operator of insuranceplancanada.com website and its affiliated companies will not be deemed to have accepted any electronic communication unless Life Care Insurance and Financial Experts Inc. or its affiliated companies provides the sender of the electronic communication with an acknowledgment verifying receipt of the communication. If Life Care Insurance and Financial Experts Inc. or its affiliated companies sends any electronic communication, Life Care Insurance and Financial Experts Inc. and its affiliated companies will assume the communication was received intact by the intended recipient. The recipient of such message must notify Life Care Insurance and Financial Experts Inc. or its affiliated companies if the transmission was not received or was not received in a readable format.

SECURITY:
Despite the security measures taken by Life Care Insurance and Financial Experts Inc. and its affiliated companies there is an inherent risk in disclosing personal information over the Internet. Anyone electronically transmitting personal information assumes the risk that such information may be disclosed or intercepted by unintended third parties and Life Care Insurance and Financial Experts Inc. and its affiliated companies disclaims all liability resulting from such interception or disclosure. Anyone who wishes to apply for an insurance quote who is concerned about maintaining the security of their personal information may mail the information to Life Care Insurance and Financial Experts Inc. or its affiliated companies.

 GOVERNING LAW & VENUE:  
Your access and use of this Web site and the contents hereof shall be governed by and interpreted in accordance with the Laws of Canada. Any dispute, claim or controversy arising from or related to the access or use of this Web site shall be brought in Brampton, Ontario, CANADA

SEVERABILITY:
Should any provision of our terms and conditions be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.

If you have any questions about this information, please contact us at 1 877 495 2525 during normal business hours.

  • Insurance Plan Canada Portal., 10-1200 Derry Road East Mississauga Ontario L5T 0B3
  • +1 877 495 2525
  • +1 419 833 8533
  • +1 905 670 5488
  • info@insuranceplancanada.com