© 2026 Enlightened Benefits Consulting Ltd. All rights reserved.

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These Terms & Conditions govern your access to and use of this website. Please read them carefully. By accessing or using this website, you acknowledge that you have read and have accepted these Terms & Conditions. If you do not agree to these Terms & Conditions, you must not access or use this website.

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General Information
This website is owned and operated by Enlightened Benefits Consulting Ltd. (“EBC”) and is intended for use by Canadian residents who are located in Canada. The information contained on this website is provided for general informational purposes and on an “as is” basis only. While EBC takes reasonable care to ensure that information is accurate and current at the time of publication, no warranties or representations, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement are made regarding the completeness, accuracy, reliability, or timeliness of such information. Applicable law may not permit the exclusion of certain implied warranties, in which case those exclusions will not apply. 

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Any information, products, and services described on this website may not be available in every province or territory and are subject to applicable licensing, registration, legal, and regulatory requirements. Nothing on this website constitutes an offer to sell, solicitation, or recommendation of any insurance product or service in any jurisdiction where such offer, solicitation, or recommendation would be prohibited by law.

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Any insurance information or coverage descriptions are provided as general summaries or for information purposes only. Eligibility for coverage is subject to underwriting criteria, insurer approval, and applicable laws and regulations. Coverage is subject to the terms, conditions, limitations, exclusions, and endorsements contained in the applicable insurance policy. In the event of any inconsistency, the policy wording shall govern. Policy cancellations, terminations, refunds, and other applicable rights and obligations are governed by the terms and conditions of the applicable insurance policy and relevant legislation. Please refer to your policy documentation for complete details regarding cancellation rights, notice requirements, and any applicable refund provisions.

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This website may contain links to websites, information, products, or services provided by third parties, including insurers, service providers, and other organizations. Such links are provided for convenience or informational purposes. Separate terms and conditions may apply to such third-party information, products, and services. The inclusion of any such third-party information, products, or services does not, by itself, constitute an endorsement by EBC of the third party or its website, products, services, information, or practices. EBC does not control third-party websites, and your use of those websites is subject to the applicable third party’s own terms, conditions, and privacy practices. EBC is not responsible for the content, accuracy, availability, security, products, services, policies, or practices of any third-party website or service. EBC does not warrant that this website will be free from viruses, malware, or other harmful components and shall not be responsible for any damage arising from the use of this website or any linked third-party website.

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Copyright & Intellectual Property Rights
Unless otherwise indicated, the content available on this website, including logos, text, images, graphics, videos, documents, designs, software, code, and other materials, is owned by or licensed to EBC and is protected by applicable copyright, trademark, and other intellectual property laws.

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You may view, download, or print materials from this website solely for your personal, non-commercial use or internal business use, provided that you do not modify the materials and that all copyright, trademark, and other proprietary notices remain intact. 

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You may link to pages of this website in a fair and lawful manner that does not imply sponsorship, endorsement, or affiliation without written authorization from EBC. EBC reserves the right to withdraw linking permissions at any time without notice.

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Except as expressly permitted by these Terms & Conditions or applicable law, you may not:

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•    Reproduce, modify, distribute, publish, transmit, display, or create derivative works from this website’s content;
•    Use any content for commercial purposes without EBC’s or the relevant rights holder’s prior written consent;
•    Remove or alter copyright, trademark, or proprietary notices; or
•    Use content in a manner that may damage EBC's reputation or intellectual property rights.

 

Availability & Accessibility
EBC will use reasonable efforts to ensure that this website is accessible on a continuous basis. However, access may be suspended, restricted, or interrupted from time to time for maintenance, updates, technical reasons, or circumstances beyond our control. To the fullest extent permitted by law, EBC shall not be liable for any loss of use, loss of profits or savings, costs, expenses, business interruption, loss of data, or any indirect, incidental, punitive, or consequential damages resulting from the use of, reliance upon, or unavailability of this website, whether temporary or permanent.

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EBC is also committed to providing a website that is accessible to all users, including those with disabilities. If you experience any difficulty accessing content, please contact us at info@enlightenedbenefits.com.

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Privacy
Any personal information submitted through this website will be collected, used, disclosed, retained, and protected in accordance with applicable Canadian privacy legislation and our Privacy Policy. By accessing or using this website, you acknowledge that you have read and have accepted the terms of our Privacy Policy and you consent to such processing and represent that any information you provide is accurate and complete. If you do not agree to these terms, you must not access or use this website.

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Any comments, suggestions, ideas, or other unsolicited information submitted to EBC through this website that does not constitute personal information or information submitted in connection with obtaining EBC’s products or services will be considered non-confidential. EBC may use, reproduce, disclose, or distribute such unsolicited information without obligation to the sender.

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Security
EBC takes reasonable measures to protect information transmitted through this website. However, due to the nature of the internet, no method of transmission or storage is completely secure. Any information transmitted by email or through this website may not be secure and may be intercepted, lost, or altered. Accordingly, EBC cannot guarantee the security or confidentiality of communications transmitted electronically and assumes no responsibility for any damages resulting from such transmissions. 

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Regulatory Compliance
Enlightened Benefits Consulting Ltd. provides insurance and advisory services. Insurance products and services are offered through EBC and its appropriately licensed insurance professionals where permitted by law.

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Nothing on this website shall be construed as creating a broker/consultant-client relationship unless and until such relationship has been formally established.  Nothing on this website constitutes insurance, legal, financial, tax, risk management, or other professional advice. Users should consult a qualified professional regarding their specific and unique circumstances. Where required by law, applicable regulatory, compensation or conflicts of interest disclosures, and consumer notices will be provided during the insurance and advisory services process.

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Governing Law
This website and its contents are governed by the laws of the Province of Alberta and the applicable federal laws of Canada applicable therein, without regard to conflict of law principles. Any dispute arising from or relating to the use of this website shall be subject to the exclusive jurisdiction of the courts of Alberta, unless otherwise required by applicable law.