Website Terms of Service

These Terms of Service govern your use of the Benefits Plus Inc. website, including its information, downloadable materials and online inquiry features. "We," "us" and "our" mean Benefits Plus Inc.; "you" means the person using the website.

Please read these terms before using the website. By using the website, you agree to these terms. If you do not agree, please discontinue use. These terms concern website use and do not replace an insurance policy, a group plan contract or a separate agreement for our advisory or administration services. Nothing in these terms limits rights or protections that cannot lawfully be waived.

Our website provides general information about group and individual insurance and our services. Website content is not personalized insurance, legal, tax or medical advice. Contact us for advice about your circumstances before making an insurance decision.

Descriptions of benefits, eligibility, premiums and insurance products are summaries. Availability and coverage depend on the insurer, the applicable policy, underwriting requirements and your circumstances. Policy terms, exclusions, limitations, waiting periods and insurer decisions apply. If a website summary differs from the applicable insurance contract, the insurance contract governs.

Browsing the website, downloading a form or sending a general inquiry does not purchase, bind, renew, change or cancel coverage. A quote or illustration is not a guarantee of coverage or final pricing. Coverage and changes take effect only when confirmed through the applicable authorized process and in accordance with the insurance contract.

Provide accurate information and contact details when using a website form or contacting us. Submit information about another person only if you have appropriate authority. A general inquiry does not, by itself, establish a client relationship or authorize us to act for you.

General contact forms are not designated channels for submitting claims, giving formal policy notices or requesting urgent coverage changes unless we expressly identify a feature for that purpose. Use the instructions and deadlines in your policy or the insurer's approved process. If your request is time-sensitive, contact us directly and obtain confirmation of the next steps.

You may use the website for lawful purposes, including learning about insurance, reviewing our services and making genuine inquiries. You must not:

Website text, designs, images, logos and other materials are owned by Benefits Plus Inc. or used with permission, except where identified otherwise. Third-party names and trademarks remain the property of their respective owners.

You may view, download and print materials for personal use or your organization's internal insurance review and plan administration. Preserve copyright notices, attribution and any instructions accompanying the material. Other reproduction, distribution, publication or commercial use requires permission from the relevant rights holder, except where permitted by law. These terms do not restrict statutory rights such as fair dealing.

Our website may link to insurer portals, government information or other third-party resources. Those services are operated independently and have their own terms and privacy practices. A link does not mean we control or guarantee the external website, its security or the accuracy of its content. Review the applicable terms before using it.

Our Privacy Policy explains how Benefits Plus Inc. handles personal information. These terms do not replace that policy or any consent required by privacy law. We do not share personal information with third parties unless disclosure is required by law or is necessary for the operation of our clients' insurance plans. We will never sell or rent our clients' personal information.

Do not send medical records, banking details, identification documents or other sensitive information through a general website inquiry form. Contact us first to arrange an appropriate secure method. No internet transmission can be guaranteed completely secure; this does not reduce our responsibility to use appropriate safeguards.

We take reasonable care to keep website information useful and current, but content may become outdated or contain errors. Please confirm information relevant to your coverage or decision with us or the insurer. We may correct or update content and temporarily suspend website features for maintenance, security or other operational reasons.

To the extent permitted by law, the website and its general information are provided on an "as is" and "as available" basis. We do not guarantee uninterrupted or error-free access, compatibility with every device, or that general information will be suitable for a particular purpose. This provision does not override an express commitment in a separate agreement or a duty imposed by law.

To the extent permitted by applicable law, Benefits Plus Inc. is not liable for indirect or consequential losses arising from use of, or inability to access, the website, including lost profits or business interruption. We are not responsible for losses caused solely by an independently operated third-party website or service.

These limitations apply only to website use. They do not exclude liability for our fraud, wilful misconduct or gross negligence, or liability that cannot lawfully be excluded. They do not limit obligations under an insurance contract or a separate client services agreement, or remove your rights under applicable privacy or consumer protection law.

We may restrict or suspend website access where reasonably necessary to address a breach of these terms, unlawful activity or a security risk. Where appropriate and practical, we will explain the restriction. A restriction on website access does not itself cancel insurance coverage or terminate a separate client agreement.

We may update these terms to reflect changes in the website, our practices or legal requirements. The updated version will be posted with a revised date. Where appropriate, we will provide additional notice of material changes and obtain further agreement if required. Changes apply prospectively and do not alter an existing insurance contract or separate service agreement. Please review these terms periodically.

These terms are governed by the laws of Prince Edward Island and the applicable federal laws of Canada. Subject to any mandatory legal rights concerning jurisdiction, disputes relating to these terms may be brought before the courts of Prince Edward Island. If a provision is unenforceable, the remaining provisions continue to apply to the extent legally possible.

Please contact us if you have a concern about the website. Contacting us is not a prerequisite to exercising a legal right, and does not extend a claim, complaint or court deadline.

Benefits Plus Inc. | Matthew Reid

Email: matthewreid@benefitsplusinc.ca | Telephone: 902-393-6256