Stephen Insure - Terms & Conditions

Terms and Conditions

Last updated: June 2024

Welcome to Pinnacle Assurance ("we," "our," or "us"). These Terms and Conditions govern your use of our services and website. By accessing or using our services, you agree to be bound by these terms.

1. Services Provided

Pinnacle Assurance is an independent financial advisory firm licensed in British Columbia and Quebec, specializing in life insurance and related financial products. We provide:

Insurance policy consultation and brokerage services
Financial planning advice
Policy comparison and recommendations
Claims assistance

2. Client Responsibilities

As a client, you agree to:

Provide accurate and complete information when applying for insurance
Disclose all relevant medical and personal information truthfully
Review all policy documents carefully before signing
Make timely premium payments as required by your policy

3. Professional Standards

We adhere to the following professional standards:

All recommendations are made in your best interest
We maintain appropriate licenses for all services provided
Client confidentiality is strictly maintained
Commissions and fees are fully disclosed

4. Limitations of Liability

Pinnacle Assurance shall not be liable for:

Decisions made by insurance companies regarding underwriting or claims
Changes in policy terms made by insurers
Financial losses resulting from market conditions or policy performance
Any unauthorized access to your personal information beyond our reasonable control

5. Intellectual Property

All content on our website and marketing materials, including text, graphics, logos, and images, is the property of Pinnacle Assurance and protected by copyright laws.

6. Changes to Terms

We reserve the right to modify these terms at any time. Continued use of our services after changes constitutes acceptance of the new terms.

7. Governing Law

These terms shall be governed by the laws of British Columbia and Quebec, Canada. Any disputes shall be resolved in the appropriate courts of these provinces.