Effective Date: September 30, 2026

Welcome to CoupleAdvisors. These Terms and Conditions govern your use of the CoupleAdvisors website and the information and services available through it.

By accessing or using this website, submitting a form, or booking a consultation, you agree to these Terms and Conditions.

1. About CoupleAdvisors

CoupleAdvisors provides information and consultation related to insurance and financial protection solutions, including Living Benefits products such as Disability Insurance, Critical Illness Insurance, Accident Insurance, and other available insurance solutions.

CoupleAdvisors is operated by:

Simin Afzountar
Phone: (778) 967-5262

Hossein Afshar Moghaddam
Phone: (778) 873-4924

Email: [email protected]

2. General Information Only

Information provided on this website is intended for general informational and educational purposes.

Website content should not be considered legal, tax, accounting, medical, or other professional advice.

Insurance needs vary from person to person. A consultation and appropriate needs assessment may be required before an insurance product can be recommended.

3. Insurance Products and Coverage

Insurance products, features, benefits, exclusions, limitations, definitions, eligibility requirements, premiums, and availability may vary by insurance company, product, province, and individual circumstances.

Information presented on this website is intended to provide a general overview and does not replace the terms and conditions of an actual insurance policy.

The insurance contract and documents issued by the applicable insurance company govern the coverage.

In the event of any difference between information on this website and an insurance contract, the applicable insurance contract will govern.

4. No Guarantee of Coverage or Approval

Submitting an inquiry, requesting a quote, completing a form, or attending a consultation does not guarantee that insurance coverage will be offered or approved.

Insurance applications may be subject to eligibility requirements, underwriting, medical or financial information, and the rules of the applicable insurance company.

Final approval, coverage, premiums, exclusions, limitations, and other policy terms are determined by the insurance company.

5. Quotes and Illustrations

Any insurance quote, estimate, premium amount, benefit illustration, or example provided through this website or during an initial discussion is for informational purposes unless otherwise stated.

Rates and eligibility may change after an application is reviewed or additional information is obtained.

A quote does not constitute an insurance contract or guarantee of coverage.

6. Living Benefits Information

References to Living Benefits may include insurance solutions designed to provide financial benefits during the insured person's lifetime when the requirements of the applicable policy are satisfied.

Examples may include Disability Insurance, Critical Illness Insurance, and Accident Insurance.

Benefits are not payable simply because an illness, injury, disability, or other event occurs. The applicable definitions, exclusions, limitations, waiting periods, survival periods, and other policy provisions must be satisfied.

Always review the actual insurance contract and related documents for complete details.

7. Booking a Consultation

Our website may allow you to schedule an insurance consultation.

Booking an appointment does not create an insurance contract and does not mean that coverage is in force.

Insurance coverage becomes effective only in accordance with the terms established by the applicable insurance company and policy documents.

Please provide accurate contact information when scheduling an appointment so that we can communicate with you regarding your consultation.

8. Accuracy of Information You Provide

You are responsible for providing accurate and complete information when completing forms, requesting information, obtaining quotes, or applying for insurance.

Insurance applications may require disclosure of medical, financial, occupational, lifestyle, or other information.

Incomplete or inaccurate information may affect underwriting, eligibility, claims, or coverage in accordance with the applicable insurance contract and law.

9. Website Accuracy

We make reasonable efforts to provide useful and accurate information. However, insurance products, regulations, rates, eligibility requirements, and product features may change.

We do not guarantee that every piece of website content will always be complete, current, or error-free.

You should confirm important insurance information before making a decision or submitting an application.

10. Third-Party Services and Links

This website may use or link to third-party services, including scheduling platforms, insurance companies, communication services, or other websites.

CoupleAdvisors does not control third-party websites and is not responsible for their content, availability, security, or privacy practices.

Your use of third-party websites or services may be subject to their own terms and privacy policies.

11. Privacy

Your use of this website is also subject to our Privacy Policy.

Personal information submitted through our website, forms, appointment system, or communications will be handled as described in our Privacy Policy and in accordance with applicable requirements.

12. Intellectual Property

Unless otherwise stated, the CoupleAdvisors name, website content, written materials, graphics, branding, and other original materials on this website are owned by or used with permission by CoupleAdvisors.

You may view website content for personal and non-commercial purposes.

You may not reproduce, distribute, modify, republish, or commercially use our original website content without permission, except where permitted by law.

13. Prohibited Use

You agree not to use this website:

For unlawful or fraudulent purposes

To interfere with the operation or security of the website

To attempt unauthorized access to systems or information

To submit false, misleading, or fraudulent information

To copy or misuse website content in violation of applicable intellectual property rights

14. Limitation of Liability

To the extent permitted by applicable law, CoupleAdvisors and its representatives will not be responsible for losses or damages arising solely from reliance on general information presented on this website.

Nothing in these Terms and Conditions is intended to exclude or limit any liability or consumer right that cannot legally be excluded or limited.

15. Changes to These Terms

We may update these Terms and Conditions periodically to reflect changes to our website, services, business practices, or applicable requirements.

The current version will be posted on this website with the applicable effective date.

Continued use of the website following an update constitutes acceptance of the updated Terms and Conditions, to the extent permitted by law.

16. Governing Law

These Terms and Conditions are governed by the applicable laws of the Province of British Columbia and the federal laws of Canada applicable therein, without limiting any rights you may have under other applicable consumer protection or insurance laws.

17. Contact Us

If you have questions about these Terms and Conditions, please contact:

CoupleAdvisors

Simin Afzountar
Phone: (778) 967-5262

Hossein Afshar Moghaddam
Phone: (778) 873-4924

Email: [email protected]