Terms of use

The Canada Life Assurance Company and its Canadian subsidiaries are referred to as Canada Life.

Use of our websites and mobile applications (collectively referred to as Online Services) are governed by the following Terms of use (“Terms”).

Please read these Terms carefully, as by using our Online Services, you are agreeing to them.

These Terms may change so we recommend you review them regularly.

If you disagree with these Terms, don't use our Online Services.

Certain Online Services have additional terms and conditions that apply to their use, which are provided at registration.

Limited license and use

You are granted a limited license to display the contents of the Site our Online Services and can print, download and use the materials on our Online Services only for informational and educational purposes, and for doing business with us.

You agree you won't directly or indirectly misuse our Online Services in any way, including by:

Probing, scanning, or testing the vulnerability of any system or associated network.
Breaching or otherwise circumventing any security or authentication measures.
Accessing, tampering with, or using non-public or shared areas of our Online Services that you haven't been invited to.
Interfering with, degrading the performance of, or disrupting any user, host, or network.
Intentionally sending a virus or a corrupt file, Trojan horse or worm; or performing any other activity with the intent to overload, flood, or spam any part of the Online Services.
Accessing or searching our Online Services by any means other than our publicly supported interfaces (for example, "scraping").
Modifying the Online Services or any of its content.
Sending unsolicited communications, promotions or advertisements, or spam through our Online Services or services.
Sending altered, deceptive or false source-identifying information, including "spoofing" or "phishing."
Abusing our Online Services in any manner.
Providing unauthorized access to our Online Services to others or accessing our Online Services on behalf of another person without appropriate authorization.
Using the Online Services to store or transmit content or data that is invasive of privacy, infringing, obscene, libelous, or that is otherwise unlawful or tortious, or to carry out infringing or unlawful activities.

You'll be responsible for and indemnify (reimburse) us for any costs, losses, expenses, damages, legal fees, liabilities, claims, demands, actions and settlement amounts resulting from or related to your misuse of our Online Services.

Products and services

All products and services are subject to the terms and conditions of any applicable contracts and laws.

Our products and services and those of other companies described on our Online Services are available only where they are allowed to be offered within Canada.

Calculators, recommendations and projections

Our calculators, recommendations and projections are designed to help you set and reach your financial goals. We base them on information from you, your plan sponsor (employer/association) or advisor, if you have one, or other institution. Provide as accurate information as possible for the best results and update your information regularly.

Our Online Services aren’t intended to provide you with any personalized financial or insurance advice unless we specify.

You also have access to personal advice from one of our representatives, and you can get advice from any other appropriate professional advisor as you see fit.

Our Online Services are not intended to provide legal, accounting, tax, medical or other professional advice unless we specify.

The applicable laws of Manitoba and Canada govern the use of our Online Services. Any legal actions arising out of the use of the Online Services must be started in either Manitoba or your province or territory of residence in Canada.

Availability

Our Online Services, in whole or in part, may occasionally be unavailable because of maintenance, updates or other causes that may be beyond our control. Any or all of our Online Services may change at any time without notice. Canada Life may suspend any Online Services for any reason.

Our Online Services were developed by Canada Life and are our property. All information and materials contained in our Online Services are protected by copyright, trademark and/or other intellectual property laws of Canada and other countries, and are the property of their respective owner(s).

Subject to the limited license to use our Online Services, no one may copy, redistribute, reproduce or republish in any form, or link to our Online Services or its contents in any manner whatsoever, including by way of hyperlinks or framing, unless that person has obtained the prior written consent of Canada Life. Any infringement of the rights of Canada Life may result in legal action.

Trademarks

Canada Life owns or has obtained the right to use the trademarks, logos and domain names used on our Online Services. The trademarks are protected by Canadian and foreign trademark laws. All rights reserved.

The display of trademarks on our Online Services shouldn't be construed as an implied license to use such trademarks.

Canada Life, the design, and marks displayed on the Online Services followed by the TM symbol at first time of use are registered or unregistered trademarks of The Canada Life Assurance Company or a third party. Third-party marks are used with permission or under license.

General disclaimer

We do our best to make sure all the information on our Online Services is reliable and accurate, but we can't guarantee it. If there's any difference between the information provided on or through our Online Services and the information in our records, the information in our records prevails.

Unless we specify, nothing on our Online Services forms a contract except for the use of the Online Services.

If there's any difference between the information on our Online Services and the terms of a product or service we or a third-party offer, the terms for that product or service prevail.

We always try to make sure our Online Services are working at their best, but we can't guarantee you won't experience errors, interruptions or browser issues.

We also can't guarantee communication to or from our Online Services is private, confidential or secure. We don't make and expressly disclaim any representations or warranties whatsoever relating to or arising from your use of our Online Services.

You agree neither Canada Life nor any third party (including their employees, officers and directors) shall be liable to you for loss of data, computer time or any loss or damage of any nature whatsoever attributable to your use or inability to use the Online Services for any reason whatsoever or to any action or inaction on the part of Canada Life.

This includes any direct, indirect, special, consequential or exemplary damages, even if Canada Life has been advised of the possibility, including but not limited to lost profits, lost opportunities or business revenues, loss of goodwill, or failure to realize expected savings.

This agreement is binding on you, your heirs, executors, administrators, legal representatives, successors and assigns.

If anything in this agreement turns out to be unenforceable or invalid, the rest of it still applies.

More information

Contact us for more information about these Terms of Use for our Online Services, to request a copy of Canada Life's Privacy policy or to request authorization to reproduce or distribute our content. If you need an alternate way to contact us, visit our Accessibility page.

The Canada Life Assurance Company
Communication Services
330 University Ave.
Toronto ON M5G 1R8