Terms & Conditions

1. Nature of the Website and Services

This Website provides general, educational information about life insurance, accident and sickness insurance,
group insurance considerations, and insurance-based savings such as segregated funds.

Information on this Website is not intended to be, and should not be relied upon as, legal, tax, accounting,
investment, or financial advice. It does not constitute a recommendation, solicitation, or offer to purchase
any insurance or investment product.

Any insurance coverage, advice, or recommendations are provided only through direct, individualized discussions
and, where applicable, formal application and disclosure documents issued by insurance carriers.

2. Eligibility

By using this Website, you confirm that you are at least the age of majority in your province or territory of
residence and that you are legally capable of entering into these Terms.

3. Use of the Website

You agree to use this Website only for lawful purposes and in a manner that does not interfere with its
operation, security, or availability.

You must not attempt to gain unauthorized access to the Website, introduce malicious code, misuse contact
forms, misrepresent your identity, or use automated tools to extract or scrape information from the Website.

4. No Client Relationship

Use of this Website does not create an insurance, advisory, fiduciary, or client relationship between you and
me. A professional relationship only begins if and when we engage directly and proceed through the appropriate
review or application process.

Decisions regarding insurance coverage or insurance-based savings are always made by you, with underwriting
decisions ultimately made by the insurance carrier.

5. Accuracy of Information

While reasonable care is taken to ensure information on this Website is accurate and current, content may
become outdated or simplified for general understanding. Insurance products, features, and availability vary
by insurer and individual circumstances.

6. Intellectual Property

All content on this Website, including text, graphics, logos, images, and layout, is owned by or licensed to
Dave Escuadro and is protected by applicable Canadian intellectual property laws.

You may view and print Website content for personal, non-commercial use only. You may not reproduce,
distribute, modify, or use Website content for commercial purposes without prior written permission.

7. Third-Party Links

This Website may include links to third-party websites for informational purposes. I do not control and am not
responsible for the content, accuracy, or privacy practices of third-party sites. Accessing those sites is at
your own discretion.

8. Privacy

Your use of this Website is also governed by the Privacy Policy, which explains how personal information is
collected, used, and protected in accordance with Canadian privacy laws and FSRA requirements.

9. Disclaimers

This Website and its content are provided on an “as is” basis, without warranties of any kind, express or
implied. I do not guarantee that the Website will be uninterrupted, error-free, or free from harmful
components.

Any reliance on information obtained from this Website is at your own risk. You should seek professional
advice tailored to your circumstances before making insurance or financial decisions.

10. Limitation of Liability

To the fullest extent permitted by law, I am not liable for any indirect, incidental, or consequential damages
arising from your use of, or inability to use, this Website.

11. Governing Law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable
therein. Any disputes shall be subject to the exclusive jurisdiction of the courts of Ontario.

12. Updates to These Terms

These Terms may be updated from time to time to reflect changes in law, regulation, or business practices.
Continued use of the Website after changes are posted constitutes acceptance of the updated Terms.

Last updated: January 2026

13. Contact

If you have questions about these Terms, please contact:

David Escuadro
Licensed Life Insurance Agent (Ontario)
Email: david@dave-escuadro.com
Website: www.dave-escuadro.com