Terms of Service

1. About This Website

This website is operated by Shivang Goyal, an independently licensed insurance advisor (LLQP) holding a Master of Engineering (MEng) and a background as a structural engineer, with experience in 3 government positions. Shivang Goyal is licensed to advise on life and health insurance products in: ON, BC, AB, MB, SK, NS, PEI, NB.

2. Not Financial or Legal Advice

All content on this website is provided for general educational and informational purposes only. Nothing on this website constitutes:

• Financial, investment, or tax advice
• Legal advice
• A guarantee of insurance coverage, eligibility, or pricing
• A binding offer or contract of any kind

All insurance products are subject to full underwriting review and approval by the relevant insurance carrier. Coverage terms, conditions, exclusions, and premiums are determined by the insurer's policies and your individual circumstances. Always review your policy documents carefully before signing.

3. Government Benefit Program Information

Information about Canadian government programs (CPP, OAS, GIS, RDSP, CESG, FHSA, Canadian Dental Care Plan, etc.) is provided for general educational purposes only. Government program rules, eligibility criteria, and benefit amounts can change. Always verify current information directly with the relevant government authority (Service Canada, CRA, etc.) or consult a qualified professional for advice specific to your situation.

4. Credit Card and Financial Product Information

Credit card comparisons and recommendations on this website are provided for informational purposes only. They reflect conditions available at the time of writing and may not reflect current offers, rates, or terms. Shivang Goyal operates as a partner of FinlyWealth for credit card information. Always review the full cardholder agreement directly with the issuing financial institution before applying. Approval for any credit product is subject to the lender's criteria.

5. Accuracy of Information

We make reasonable efforts to ensure accuracy and currency of information on this website. However, we make no warranties — express or implied — that the information is complete, accurate, current, or error-free. Insurance rates, product features, and government program details change frequently. Always confirm current details directly with the relevant carrier or government authority.

6. Licensing and Independence

Shivang Goyal is licensed to sell life and health insurance products in the provinces noted above and operates in compliance with applicable provincial insurance regulations and the LLQP. Shivang Goyal is an independent advisor and is not an employee or agent of any insurance carrier.

7. Third-Party Websites

This website contains links to third-party websites including FinlyWealth and insurance carriers. These links are provided for convenience only. Shivang Goyal does not endorse or take responsibility for the content, privacy practices, or accuracy of any third-party website. Use of third-party sites is at your own risk.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Shivang Goyal shall not be liable for any direct, indirect, incidental, or consequential damages arising from use of this website, reliance on any content, or errors or omissions in the information provided.

9. Intellectual Property

All content on this website — including text, design, graphics, and branding — is the property of Shivang Goyal unless otherwise noted. You may not reproduce, distribute, or use any content without express written permission.

10. Changes to These Terms

We may update these Terms at any time. Changes will be posted on this page with an updated date. Continued use of the website constitutes acceptance of the updated terms.

11. Governing Law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada. Any disputes shall be subject to the exclusive jurisdiction of the courts of Ontario.

12. Contact