1. Acceptance of Terms

By accessing or using this website, you agree to these Terms and our Privacy Policy. If you are using the site on behalf of an organization, you represent that you have authority to bind that organization.

2. Changes to Terms

GMFSI may update these Terms from time to time. Changes are effective when posted here. Your continued use of the site signifies acceptance of the updated Terms.

3. Eligibility & Acceptable Use

• The site is intended for adults in Canada. You agree not to misuse the site or interfere with its operation.
• You will not attempt unauthorized access, data scraping, or reverse engineering of site features.
• You will comply with applicable laws and refrain from posting unlawful, infringing, or harmful content.

4. Intellectual Property

All text, graphics, logos, and designs on this site are the property of GMFSI or our partners and are protected by intellectual property laws. No material may be copied, reproduced, republished, or distributed without prior written consent.

5. Access, Availability & Security

We strive for reliable access but do not guarantee continuous availability. GMFSI may modify, suspend, or discontinue any part of the site at any time. You are responsible for the security of your devices and internet connection.

6. Third-Party Links & Tools

This site may link to third-party resources or embed tools (e.g., carrier portals, calculators, analytics). GMFSI is not responsible for third-party policies, content, or availability. Review the applicable terms and privacy notices before using those services.

7. No Professional Advice

Content on this site is for general information and education only and does not constitute personalized financial, investment, legal, accounting, or medical advice. For tailored advice, contact a licensed professional. You may contact us to discuss your situation.

8. Quotes, Applications & Transactions

• Quotes are illustrative and subject to underwriting, product availability, and carrier terms.
• Applications, changes, and transactions are completed through authorized carriers or administrators and are subject to their approval.
• Electronic communications may be used for disclosures and confirmations where permitted by law.

9. User Content & Feedback

If you voluntarily provide feedback or suggestions, you grant GMFSI a non-exclusive, royalty-free license to use them to improve our services without any obligation to you. Do not submit confidential or proprietary information through the website forms beyond what is requested.

10. Disclaimers (No Warranties)

The site is provided “as is” and “as available.” GMFSI disclaims all warranties, express or implied, including but not limited to accuracy, completeness, merchantability, fitness for a particular purpose, and non-infringement.

11. Limitation of Liability

To the maximum extent permitted by law, GMFSI and its directors, officers, employees, and agents are not liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, revenue, or profits, arising from your use of (or inability to use) this site.

12. Indemnity

You agree to indemnify and hold GMFSI harmless from any claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising from your misuse of the site, your breach of these Terms, or your violation of any law or third-party rights.

13. Governing Law & Jurisdiction

These Terms are governed by the laws of the Province of Ontario and the laws of Canada applicable therein. You agree to the exclusive jurisdiction of the courts located in Ontario, Canada.

14. Contact

For questions about these Terms, email info@gmfsi.ca. For privacy matters, see our Privacy Policy.