INTEGRATED FINANCIAL GROUP INC. and Industrial Alliance hope you enjoy this site and that you find the material here useful and informative. It is important that you take a moment to read and understand the following information.

Jurisdiction

INTEGRATED FINANCIAL GROUP INC. is licensed as a representative for life products and accident/sickness products in the province of Alberta. As well INTEGRATED FINANCIAL GROUP INC. has various licensed representatives across Canada for life products and accident/sickness products. The use of the website is available to residents of Alberta and of Canada.

Industrial Alliance Insurance and Financial Services Inc. ("Industrial Alliance") is licensed to conduct business in the provinces and territories of Canada, and the information contained on this site is applicable only in those jurisdictions. If you are a resident of a province or territory other than Alberta and wish to apply for a Industrial Alliance policy, please contact INTEGRATED FINANCIAL GROUP INC. directly.

Replacements

The product described on this site is not available to replace existing life insurance coverage you may have in force. If your intention is to replace any existing coverage, please contact INTEGRATED FINANCIAL GROUP INC. directly.

Conditions of Use

Any products purchased from Industrial Alliance are subject to the terms and conditions of the applicable contracts. Many terms and concepts used on this website are defined under the Industrial Alliance policy of insurance. In all circumstances it is the provisions of the actual policy of insurance which shall govern.

The content of this site is strictly for general information and educational purposes, and is subject to modification and update from time to time without notice. For the purpose of describing the concepts for which universal life products may be used, fictitious persons and situations have been developed. These are for illustrative purposes only and must not be construed as advice for your individual situation.

This site does not provide any insurance, financial, legal, accounting or taxation advice, and should not under any circumstances be relied upon by you in that regard. Such advice should only come from professionals in the relevant field who are able to review your personal situation directly and in detail. Life insurance and retirement planning advice is available from INTEGRATED FINANCIAL GROUP INC..

Industrial Alliance, its directors, officers and employees, shall not be liable or responsible to any person for any losses or damages that may arise directly or indirectly from the use of this site, including any direct, indirect, special, third party or consequential damages. Industrial Alliance shall not be responsible for any detrimental reliance you may place upon the contents of this site.

Confidentiality

We will inform you before or at the time we collect any personal information concerning you, and will advise you of the purpose for which we are collecting that information. We will collect only that information which is necessary, and will restrict the information to those individuals at Industrial Alliance who need access to it in the performance of their duties in underwriting, administering and processing claims under any policy issued. Industrial Alliance will not sell any client lists under any circumstances. You may review the Industrial Alliance Privacy Policy.

It is the policy of Industrial Alliance and INTEGRATED FINANCIAL GROUP INC. to respect the privacy and confidentiality of personal information. We have therefore taken precautions to secure your use of this site and encrypt the personal information you send to us that is used in developing projections or on your online application for insurance. However, the internet is not a secure medium, and such privacy and confidentiality cannot be ensured at this time. Industrial Alliance shall not be responsible for any damage or inconvenience you may suffer in connection with any breach of confidentiality.

Cookies and E-mail

This site uses a temporary cookie to assign you a number for your current visit only. This allows you to input data and run personal projections.

When you apply for insurance using our online application, you are asked to provide us with personal information including your e-mail address. We may communicate with you by e-mail. If you give us consent to do so, we may use your e-mail address to offer you products and services that we believe will be of interest to you. At any time, you may direct us by return e-mail not to use your e-mail address for this purpose. We will not rent or sell your e-mail address.

Copyright

All of the content of this site is copyright © Industrial Alliance Insurance and Financial Services Inc. and INTEGRATED FINANCIAL GROUP INC., 2002. All rights are reserved.

You may download or copy any information on this site for your own personal and non-commercial use. You may not republish, reproduce or install any of the information on this site onto any other computer system, including another site on the internet. You may cite or refer to the information contained in this site, but you may not copy or distribute the information in whole or in part without the prior and express written consent of Industrial Alliance. If you wish to request permission to reproduce or republish any of the contents of this site, please contact Industrial Alliance Insurance and Financial Services Inc. and INTEGRATED FINANCIAL GROUP INC. with the information you wish to use and the purpose for which you intend to use it, as well as your name and address.

Trade Marks

Industrial Alliance Insurance and Financial Services Inc. and INTEGRATED FINANCIAL GROUP INC. have registered or applied for registration of product names, logos, slogans and tag lines used in this site. These trade marks are protected by the laws of Canada. The display of trade marks on this site does not imply that a licence of any sort has been granted.

Links

The inclusion of any link to any other site shall not be construed as an endorsement or recommendation of products or services found at that site. Such sites have been developed independently of Industrial Alliance and INTEGRATED FINANCIAL GROUP INC., and we cannot vouch for the currency, accuracy, completeness, functionality or authenticity of any site contents.

Governing Law

The laws of Canada and those of your province of residence shall govern as to the interpretation, validity and effect of this agreement and any use of this website.

Industrial Alliance and INTEGRATED FINANCIAL GROUP INC. assume no responsibility for the use of this site by non-residents of Canada.