Terms of Use

Please read these Terms of Use carefully before using this Site (“Site”), or any associated application.  If you do not agree with any part of these Terms of Use, you must not use the Site.  Please check this page regularly for updates. 

By accessing and using the Site, you agree to be bound by these Terms of Use without limitation or qualification. The products and/or services on the Site are offered by TruStage Life of Canada located at 180, Northfield Drive West, Unit 4, 1st Floor, Waterloo, ON N2L 0C7. TruStage Life of Canada is authorized to write life and annuity business in all Canadian provinces and hereafter all of its affiliates and agents are collectively referred to as “We” “Our” or “Us”. These companies operate under the tradename of “TruStage.”

Permitted Use

Except as expressly mandated by law, you may not, without Our prior written permission: (i) link from another website to the Site; (ii) post, transmit, copy, modify, create derivative works from, distribute, sell, or republish anything you obtain or download from the Site; (iii) engage in systematic retrieval of data or other content from the Site; (iv) assign or transfer any rights granted by these Terms of Use; or (v) access, or attempt to access, the Site through any automated means (including use of scripts, crawlers, or similar technologies).

Our Products

The information and material provided on the Site is intended for general reference only and may not describe all of the terms, conditions, and exceptions applicable to the products and services offered by Us on this Site. The products and services described in this Site relate to products and services within Canada. Such products and services may not be available in all provinces and territories.

Availability of Site

Indemnification

Disclaimer

While We use all reasonable efforts to ensure that the information contained on the Site is current, accurate and complete at the date of publication, and We do Our best to correct errors and omissions as soon as We can, all information, products, services, content and other material on the Site, accessible from the Site or on a third-party site are provided “as is” and without warranties or representations of any kind, either express or implied. This means that We expressly disclaim all warranties, express or implied including, without limitation, the warranties of title and non-infringement and the implied warranties of merchantability and fitness for a particular purpose. To the maximum extent permitted by law, We accept no liability for any direct or indirect loss or damage, foreseeable or otherwise, including any indirect, consequential, special or exemplary damages arising from the use of the Site or any information contained therein. Users should be aware that they use the Site and its content at their own risk. If you are in a province or territory that does not allow a disclaimer of implied warranties, the above disclaimer or a portion of it may not apply to you.

Limitation of Liability

Access to and use of this Site is at the user’s own risk. We shall not be liable for any loss, damage, injury or claim, nor any special, indirect, incidental, consequential, exemplary or punitive damages of any kind, whether such action is based in tort, contract, negligence, strict liability or other law, even if We have been advised of the possibility of such damages. We shall not be liable for any third-party site, materials on any third-party site or the inability to use any third-party site; any defect, omission, error, interruption, delay, or computer virus; or the unauthorized alteration of or access to your transmissions or personal data.

If you are in a province that does not allow the limitation of liability for certain damages, the above limitation of liability or a portion of it may not apply to you. However, you agree in any event that Our total liability for all damages, losses, injuries, or claims of any kind or nature shall be limited to the amount you have paid to access the Site.

No Representation as to Suitability

TruStage makes no representation as to the financial or other suitability of any product or service described on this Site for any User.

Copyright, Trademarks and Service Marks

All content on this Site is protected by applicable copyright laws. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes. The trademarks, logos and service marks (the "Marks") displayed on this Site are the property of TruStage, Inc. or affiliates (collectively "TruStage"). Users are prohibited from using any Mark for any purpose without the express written permission of TruStage which can be denied in its sole discretion.

Ownership

The design, text and images of this Site are owned, controlled or licensed by TruStage companies or its affiliates. TruStage companies and/or their licensors retain all right, titles and interest to all material provided on this Site. The posting of information and material on this Site does not constitute a waiver by TruStage or any of their licensors of any rights in such material and does not transfer any rights to any User of this Site.

Linking

TruStage prohibits caching, hypertext links to this Site and the framing of any services, without the express written permission of an TruStage company.

This Site may contain hyperlinks to websites operated, owned or maintained by parties other than TruStage companies. Such hyperlinks are provided solely as a matter of convenience. TruStage companies do not control such websites and are not responsible for their contents. The inclusion of hyperlinks to such websites does not imply any endorsement, approval or certification by TruStage companies of the material on such websites or any association with their operators. Access to any other website linked to this Site is at your own risk.

Privacy

At TruStage, we are committed to providing you with great customer service. Protecting your privacy and the confidentiality of your personal information is a keystone to our relationship with you, and to your trust in us. We may change the Privacy Policy at any time and the most current version will be posted on our website.

Use of Cookie File

Some Web pages within this Site may use "cookies." A cookie is a small file that is stored on your hard drive and contains no personally identifiable information about the User's use of this Site. A cookie used by TruStage companies cannot read data off the User's hard drive or read cookie files created from other websites. The User is free to decline a cookie if the User's browser has been set to prompt or decline cookies. It is possible that the declination of a cookie may result in your not being able to use this Site's information and functions successfully.

E-Mail Usage

While We wish to promote the privacy of individual e-mail users, We cannot guarantee the security or privacy of your e-mail transmission to Us or to others from this Site. You should consider whether it is appropriate to use e-mail to send confidential messages or information to Us. You bear all responsibility for your use of e-mail. We shall not be responsible or liable for any of Your actions or any consequences resulting from your use of e-mail, including but not limited to misaddressed, lost or undelivered e-mail messages.

Laws And Regulations

Access to, and use of, this Site are subject to all applicable federal, provincial and local laws and regulations in Canada. If you access an international website of one of Our companies from this Site, such international website is subject to the applicable laws of the jurisdiction(s) to which such company or companies are subject.

Access to Password Protected or Secure Areas

Access to, and use of, password protected or secure areas of this Site are restricted to authorized persons only. Any User who accesses or attempts to access such areas without authorization may be subject to prosecution.

Forward-Looking Statements

This Site includes "forward-looking statements" that express expectations of future events and/or results. All statements based on future expectations rather than on historical facts are forward-looking statements that involve a number of risks and uncertainties, and no assurances can be given that such statements will prove to be correct.

Changes to Terms and Conditions

TruStage reserves the right to revise these Terms and Conditions at any time. As noted above, Users should visit this page at each visit to review the current terms and conditions and Users are deemed to be apprised of and bound by any changes to these Terms and Conditions each time you visit this Site.

Violations of Terms and Conditions

TruStage reserves the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions, including the right to block access from a particular Internet address to this Site.