Part A — Terms of Use
1. Acceptance
By accessing or using the website at aitrustadvisory.ca and its subdomains (collectively, the "Site"), you agree to be bound by these Terms of Use. If you do not agree, please discontinue use of the Site immediately.
2. Permitted Use
You may access the Site for lawful, personal, non-commercial purposes. You agree not to:
- Reproduce, copy, distribute, or resell any content from the Site without prior written permission;
- Scrape, frame, or otherwise extract Site content in bulk or in an automated manner;
- Use the Site to transmit unsolicited commercial messages or malicious code;
- Misrepresent your identity or affiliation when contacting us through the Site.
3. Intellectual Property
All text, graphics, logos, design elements, and other content on this Site are the property of AI+Trust Advisory Inc. or its licensors and are protected under applicable Canadian copyright and trademark law. The "AI+Trust Advisory" name and associated marks may be protected by trademark registration or pending application. Unauthorized use is prohibited.
4. No Legal or Financial Advice
The information on this Site — including articles, guides, calculators, comparisons, and resource materials — is provided for general educational and informational purposes only. It does not constitute legal, tax, investment, actuarial, or financial planning advice, and should not be treated as such. Always seek independent professional advice appropriate to your specific circumstances.
5. Third-Party Links
The Site may contain links to external websites, including carrier portals, regulatory bodies, and scheduling tools. We are not responsible for the content, accuracy, or privacy practices of third-party sites. Linking does not imply endorsement.
6. Limitation of Liability
To the fullest extent permitted by applicable law, AI+Trust Advisory Inc. and its officers, employees, and agents shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of, or inability to use, this Site or any information contained herein. The Site is provided "as is" and "as available" without warranties of any kind, express or implied.
7. Governing Law
These Terms of Use are governed by and construed in accordance with the laws of the Province of Alberta and the federal laws of Canada applicable therein. Any dispute arising from these Terms shall be subject to the exclusive jurisdiction of the courts of Alberta.
8. Changes to Terms
We may update these Terms of Use at any time by posting a revised version on this page. Continued use of the Site following the posting of changes constitutes acceptance of those changes.
Part B — Insurance & Advisory Disclaimer
9. Licensing
AI+Trust Advisory Inc. operates as a licensed insurance broker in the Province of Alberta under the following credentials issued by the Alberta Insurance Council (AIC):
- AIC Broker Licence #144154
- Lines of business: Life Insurance; Accident & Sickness Insurance
- Corporate registration: Corp# 1728116-1 | BN: 737668962 RC0001
Licence credentials can be verified directly through the Alberta Insurance Council. AI+Trust Advisory Inc. does not hold a licence to sell, advise on, or distribute securities or mutual funds, and does not do so.
10. Independent Broker Status
AI+Trust Advisory Inc. is an independent insurance broker. We are not employees, agents, or representatives of any single insurance carrier. We work with multiple licensed Canadian carriers — including, among others, Manulife, Canada Life, Sun Life, Equitable Life, Empire Life, Wawanesa, and Co-operators — and have no obligation to recommend any specific carrier's products. Our recommendations are based on your group's needs, budget, and available market options at the time of review.
11. Not a Binding Offer
Nothing on this Site, in any email, or in any proposal or presentation prepared by AI+Trust Advisory Inc. constitutes a binding offer of insurance, a guarantee of coverage, or a contract of insurance. Coverage is subject to the terms, conditions, exclusions, and underwriting approval of the applicable carrier. A policy is in force only when issued in writing by the insurer and all applicable premiums are paid.
12. Educational Content
Articles, guides, tools, calculators, and resources on this Site and on resources.aitrustadvisory.ca are provided for educational purposes only. Rates, plan structures, benefit limits, tax rules, and regulatory requirements change frequently. Content may not reflect the most current information at the time you read it. Always confirm details with a licensed advisor before making plan decisions.
13. No Mutual Funds
AI+Trust Advisory Inc. does not offer, sell, recommend, or provide advice on mutual funds, securities, or any product regulated under securities legislation. If you require securities or investment advice, please consult a registered investment dealer or advisor.
14. Privacy
The collection, use, and disclosure of personal information in connection with our advisory services is governed by our Privacy Policy, Alberta's Personal Information Protection Act (PIPA), and the federal Personal Information Protection and Electronic Documents Act (PIPEDA).
15. Contact
For questions about these Terms or the disclosures above:
AI+Trust Advisory Inc.
Edmonton, AB, Canada
Email: alfredo@aitrustadvisory.ca
Phone: +1 (780) 977-3155