Privacy Policy
Disclaimer
We make every reasonable effort to present accurate and reliable information on this website. However, we are not responsible for any errors in or omissions from the information contained in or accessed through this site, nor for the timeliness of the information. The information in this site is not intended to provide specific advice about individual legal, business or other questions, and it is not a substitute for users' independent research and evaluation of any issue. If specific legal or other expert advice is required or desired, the services of an appropriate, competent professional should be sought. All of the information in this website is provided "as is" without warranty of any kind. We make no representations of any kind and disclaim all express, implied, statutory or other warranties of any kind to the user and/or any other party, including, without limitation, any warranties of accuracy, timeliness, completeness, efficacy, merchantability, and fitness for any particular purpose. Barbara Steele shall have no tort, contract or any other liability to users of this site and/or to any other party. We shall not be liable to users and/or any other party for any lost profits or lost opportunities, or any indirect, special, consequential, incidental or punitive damages whatsoever, even if we have been advised of the possibility of such damages.
Jurisdiction
Barbara Steele, CFP is licensed as a representative for life insurance products in the Province of Ontario. The use of this website is therefore restricted to residents of Ontario. If you reside in a province or territory other than Ontario and wish to apply for an insurance policy, please contact us directly.
Conditions of Use
Any products purchased from various insurance companies are subject to the terms and conditions of the applicable contracts. In all circumstances it is the provisions of the actual policy of insurance that shall govern. The content of this website is strictly for general information and educational purposes, and is subject to modification and update from time to time without notice. The information presented is for illustrative purposes only and must not be construed as advice for your individual situation. This site does not provide any insurance, financial, legal, accounting or taxation advice, and should not under any circumstances be relied upon by you in that regard. Such advice should only come from professionals in the relevant field who are able to review your personal situation directly and in detail.
Confidentiality
We respect the privacy and confidentiality of personal information. We will inform you before or at the time we collect any personal information concerning you, and will advise you of the purpose for which we are collecting that information. We will collect only that information which is necessary, and will restrict the information to those individuals who need access to it in the performance of their duties in underwriting, administering and processing claims under any policy issued.
We make every possible effort to maintain your complete and absolute privacy while using our website. Your personal information will never be shared with others, sold or given to any other entity for marketing purposes, or passed on to third parties for any other reason. We ask as little personal information possible to prepare insurance quotations. If information is ever viewed by another party, it is purely accidental, and in using our site, you release us from liability should this information be retrieved, downloaded, or viewed against our wishes, and contrary to privacy rules and laws. We shall not be held liable for any fraudulent, dishonest, or criminal acts of others who view or steal such information through technical or other means. We shall not be responsible for any damage or inconvenience you may suffer in connection with any breach of confidentiality.
Manulife Securities Investment Services Inc. is committed to protecting your privacy and the confidentiality of your personal information. A copy of our privacy policy is available upon request. If you have any questions about this policy, please call us at 1-800-991-2121.
Copyright
The works of authorship including, but not limited to, all design, text, images, and sounds, contained in this website (individually and collectively "Publications"), are owned by Barbara Steele, CFP, except as otherwise expressly stated. The Publications, prepared in Canada, may not be copied, reproduced, transmitted, displayed, performed, distributed, rented, sublicensed, altered, stored for subsequent use or otherwise used in whole or in part (individually and collectively "Reproduced") in any manner without our agency's prior written consent, except to the extent that such use constitutes "fair use" under the Canadian Copyright Act and except for one temporary copy in a single computer's memory and one unaltered permanent copy to be used by the viewer for personal and non-commercial use only, with an attached copy of this Disclaimer Notice.
You may provide a hypertext link to this site on another website, provided that: (a) the link must be a text-only link and clearly marked as a link to our site, listing our website name clearly, (b) the link must "point" to the URL "index.php" page, and not to other pages within the site; (c) the appearance, position and other aspects of the link may not be such as to damage or dilute the goodwill associated with our name and trademarks; (d) the appearance, position and other aspects of the link may not create the false appearance that an entity, product, service or work of authorship is associated with, sponsored by or endorsed by our agency; (e) the link, when activated by a user, must display this site full-screen and not within a "frame" on the linked website, and (f) we reserve the right to revoke its consent to the link at any time, for any reason, in its sole discretion.
If you are interested in obtaining a license to reproduce one or more of our publications, please contact us. You may download or copy any information on this site for your own personal and non-commercial use. You may not republish, reproduce or install any of the information on this site onto any other computer system, including another site on the Internet. You may cite or refer to the information contained in this site, but you may not copy or distribute the information in whole or in part without the prior and express written consent of Barbara Steele, CFP.
Governing Law
The laws of Canada and those of your province of residence shall govern as to the interpretation, validity and effect of any agreements presented on this website. We assume no responsibility for the use of this site by non-residents of Canada.