By accessing or using this website (aitrustadvisory.ca) or engaging AI+Trust Advisory Inc. ("AI+Trust Advisory," "we," "us," or "our") for advisory services, you agree to the following terms and disclaimers. If you do not agree, please do not use the site or our services.
1. Licensing & Regulatory Status
AI+Trust Advisory Inc. is an independent insurance advisory operating in the Province of Alberta. Its principals hold valid life insurance and accident & sickness licences issued by the Alberta Insurance Council, and conduct business in accordance with the Insurance Act of Alberta and applicable carrier appointment agreements.
Group retirement programs (such as Group RRSPs and DPSPs) are placed through licensed Canadian carriers under the regulatory frameworks applicable to those products. Advice on individual securities, mutual fund selection, or registered investment portfolios is not provided through this website and would require separate, applicable registration. Where investment advice is required, we will refer you to a properly registered professional.
2. No Insurance, Tax, Legal or Accounting Advice on this Website
The information published on this website is provided for general educational and informational purposes only. It is not a substitute for individualized advice from a licensed insurance broker, accountant, lawyer, or tax professional. Reading this website does not create a broker–client, advisor–client, or professional relationship.
References to tax treatment, CRA rules, employer matching, vesting structures, and similar concepts reflect general principles in Canada at the time of writing. Specific tax outcomes, eligibility for deductions, and reporting requirements depend on your individual circumstances and current legislation. Always confirm tax and legal implications with a qualified professional before making decisions.
3. Quotes, Audits, and Proposals
Any quote, audit, or proposal provided by AI+Trust Advisory is:
- Indicative only until a carrier issues a formal underwriting decision and policy contract;
- Subject to underwriting, employee enrollment data, claims experience, and applicable carrier rules;
- Subject to change based on market conditions, carrier guidelines, and final eligibility verification;
- Not a binding offer of insurance or coverage.
Coverage begins only when a contract is issued by the relevant carrier and applicable premiums are paid in accordance with the policy terms.
4. Carrier References
Names, logos, and product references for Canadian insurance carriers (including but not limited to Manulife, Canada Life, Sun Life, Wawanesa, Co-operators, Empire Life, Equitable Life, Blue Cross, GreenShield, and myHSA) are provided for reference only. Listing does not imply current appointment, endorsement, sponsorship, or partnership with every carrier in every situation. Available carriers and products vary by plan size, group eligibility, location, and current market conditions, and are confirmed for each engagement.
5. Confidentiality
Information you share with us in the course of an engagement is treated as confidential. We disclose information only as required to obtain quotes, place coverage, comply with regulatory obligations, or as you specifically authorize. See our Privacy Policy for full details.
6. Use of the Website
You agree to use this website only for lawful purposes and not to:
- Submit false, misleading, or impersonated information through any form;
- Attempt to gain unauthorized access to the website or its supporting systems;
- Interfere with the operation of the site or any connected service;
- Reproduce, copy, or republish content from this website for commercial purposes without written consent.
7. Third-Party Links and Tools
This website may include links to third-party services (e.g., online scheduling, carrier portals, regulatory bodies). We do not control and are not responsible for the content, security, or privacy practices of those third parties. Use of any third-party service is governed by that provider's own terms and privacy policy.
8. AI-Supported Analysis
We may use AI-supported analytical tools to assist with research, comparisons, and document preparation. Final advisory decisions and communications are reviewed by a licensed human advisor. AI tools are used to enhance — not replace — professional judgment.
9. Limitation of Liability
To the maximum extent permitted by law, AI+Trust Advisory Inc. and its directors, officers, employees, and contractors shall not be liable for any indirect, incidental, consequential, or special damages arising from the use of this website or general informational content. Liability for any matter arising from a formal advisory engagement is governed by the engagement letter and applicable insurance brokerage standards in Alberta.
10. Governing Law
These terms are governed by the laws of the Province of Alberta and the federal laws of Canada applicable therein. Any disputes shall be resolved in the courts of Alberta, except where alternative dispute resolution is agreed in writing.
11. Changes
We may update these Terms from time to time. The "Effective date" above indicates the latest version. Continued use of the site after changes are posted constitutes acceptance of the revised Terms.
12. Contact
AI+Trust Advisory Inc.
Edmonton, AB, Canada
Email: alfredo@aitrustadvisory.ca
Phone: +1 (780) 977-3155