Acknowledgment and acceptance of terms of service The Lifeinsurancebrokers.com site is , owned and operated by Lifeinsurancebrokers.com Ltd hereafter called  LIFEINSURANCEBROKERS.COM . 
The use of the site is provided to you  the (subscriber) under the terms and conditions of this LIBS.com  terms of services and any operating rules or policies that may be published by LIFEINSURANCEBROKERS.COM .  The LIFEINSURANCEBROKERS.COM  service agreement  comprises the entire agreement between subscriber and LIFEINSURANCEBROKERS.COM  and supersedes all prior agreements between the parties regarding the subject matter contained herein. 

By completing  the  registration process and clicking the I accept  button, you are indicating your agreement to be bound by all of the terms and conditions of the LIFEINSURANCEBROKERS.COM  service agreement. 

Description of service  
LIFEINSURANCEBROKERS.COM  is providing subscribers with a capability to send and receive electronic mail(email) via the World Wide Web and on LIFEINSURANCEBROKERS.COM  own system.  LIFEINSURANCEBROKERS.COM  will not always charge for this service.  Subscribers must (1) provide all equipment, including a computer, and modem, necessary to establish a connection to the WWW. (2) provide for own access to the www and pay any telephone service fees associated with such access. 
In consideration for this Service,  Subscriber agrees to 

1. provide certain current, complete, and accurate information about Subscribers as prompted to do so by the Service.
2. maintain and update this information as required to  keep it current, complete and accurate. 

1. Subscriber expressly directs LIFEINSURANCEBROKERS.COM  or any other person subscriber may specifically designate to disclose such information through the service as provided by the service or
2. LIFEINSURANCEBROKERS.COM is required to disclose such information by any applicable law or legal process served on LIFEINSURANCEBROKERS.COM 

1. acknowledgment by Subscriber of the LIFEINSURANCEBROKERS.COM service agreement and its modifications; and 
2. agreement by subscriber to abide and be bound by the LIFEINSURANCEBROKERS.COM service agreement and its modifications. 

Modifications to Service  
LIFEINSURANCEBROKERS.COM  reserves the right to modify or discontinue a service  with or without notice to subscriber. 
LIFEINSURANCEBROKERS.COM or LIFEINSURANCEBROKERS.COM Ltd shall not be liable to a subscriber or any third party should LIFEINSURANCEBROKERS.COM exercise its right to modify or discontinue service. 

Privacy Policy  
Email is private correspondence between the sender and the recipient. 
It is LIFEINSURANCEBROKERS.COM  policy to respect the privacy of its subscribers.  Therefore, in addition to the privacy of registration data as discussed in Section 2 above, LIFEINSURANCEBROKERS.COM will not monitor, edit or disclose the contents of a subscribers private communications unless required to do so by law or in the good faith belief that such action is necessary to 

1. conform to the edicts for the law or comply with legal process served on LIFEINSURANCEBROKERS.COM 
2. protect and defend the right or property of LIFEINSURANCEBROKERS.COM; or 
3. act under exigent circumstances to protect the personal safety of its embers or the public. 

1. send and receive messages; 
2. conform to connecting networks' technical lrequiremetns; 
3. conform to the limitations of the service, or 
4. conform to other similar requirements.. 

Member Account, Password, and Security  
Once you have become a subscriber of the service, you shall receive a password and an account.  You are entirely responsible if you do not maintain the confidentiality of your password and account.  Furthermore, you are entirely responsible for any and all activities which occur under your account.  You may change your information at your  (IRD) subject to address change , phone number , but you cannot change your name or company name without re-registering. 
Subscriber agrees to immediately notify LIFEINSURANCEBROKERS.COM  of any unauthorized use of subscribers account or any other breach of security know to Member. 

Disclaimer of Warranties  
Subscriber expressly agrees that use of the service is at subscriber's sole risk. The service is provided on an ,an is  and as available basis. 
LIFEINSURANCEBROKERS.COM  expressly disclaims all warranties of any kind, whether express or implied, including but no limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement. 
LIFEINSURANCEBROKERS.COM  makes no warranty that the service will meet your requirements or that the service will be uninterrupted, timely, secure, or error free; nor does LIFEINSURANCEBROKERS.COM make any warranty as to the results that may be obtained from the use of the service or as to the accuracy or reliability of any information obtained through the service or that defects in the software will be corrected. 
Subscriber understands and agrees that any material and or data downloaded or otherwise obtained through the use of the service is done at members own discretion and risk and that member will be solely responsible for any damage to member's computer system or loss of data that results from the download of such material and /or data. 
LIFEINSURANCEBROKERS.COM makes no warranty regarding any goods or services purchased or obtained through the service or any transaction entered into through the service. 
No advice or information , whether oral or written, obtained by subscribers from LIFEINSURANCEBROKERS.COM  or through the service shall create any warranty not expressly made herein. 
Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you. 

Limitation of Liability  
LIFEINSURANCEBROKERS.COM Ltd. shall not be liable for any direct, indirect incidental, special or consequential damages, resulting from the use or the inability to use the service or for cost of procurement of substitute goods and services or resulting from any goods or services purchased or obtained  or messages received or transactions entered into through the service or resulting from unauthorized access to or alterations of member's transmissions or data, including but not limited to, damages for loss of profits, use, data or other intangible, even if LIFEINSURANCEBROKERS.COM  Ltd. has been advised of the possibility of such damages. 
Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages so some of the above limitations may not apply to you. 

No Resale or commercial use of the service  
Subscribers right to use the service is personal to the subscriber. 
Subscriber may only be an individual . Subscriber agrees to not resell or make any commercial use of the service , without the express consent of LIFEINSURANCEBROKERS.COM  Ltd. 

Email message storage and other limitations  
LIFEINSURANCEBROKERS.COM  assumes no responsibility for the deletion or failure to store email messages. 
LIFEINSURANCEBROKERS.COM has set no fixed upper limit on the number of messages a subscriber may send or receive through the service,  however, LIFEINSURANCEBROKERS.COM retains the right, at LIFEINSURANCEBROKERS.COM sole discretion, to determine whether or not subscribers conduct is consistent with the letter and spirit of the LIFEINSURANCEBROKERS.COM service agreement and may terminate service if a subscriber's conduct is found to be inconsistent with the LIFEINSURANCEBROKERS.COM service agreement. 

Subscriber Conduct  
Subscriber is solely responsible for the contents of his or her transmissions through the service. 
Member's use of the site and service is subject to all applicable Local , Provincial and Federal and international laws and regulations. 
Subscriber agrees not to transmit through the service any  unlawful, harassing, libelous,abusive, threatening, harmful, vulgar, obscene or otherwise objectionable material of any kind or nature.   Subscriber further agrees not  to transmit any material that encourages conduct that could constitute a criminal offense, give rise to civil liability or otherwise violate any applicable  local provincial national or international law or regulation.  Attempts to gain unauthorized  access to other computer systems are prohibited. 
As subscriber shall not interfere with another subscribers use and enjoyment of the service or another entity's use and enjoyment of similar services. LIFEINSURANCEBROKERS.COM  may , at its sole discretion , immediately terminate service should member's conduct fail to conform with these terms and conditions of the LIFEINSURANCEBROKERS.COM service agreement. 

Indemnification  
Property or other right of any person or entity. Subscriber agrees to indemnify and hold LIFEINSURANCEBROKERS.COM , its parents, subsidiaries, affiliates, officers and employees, harmless from any claim or demand , including reasonable attorneys' fees, made by any third party due to or arising out of subscribers' use of the service, the violation of this LIFEINSURANCEBROKERS.COM service  by subscriber or  the infringement by subscriber or other user of the service using subscribers computer, of any intellectual 

Termination  
Either subscriber or LIFEINSURANCEBROKERS.COM may terminate the service with or without cause at any time and effective immediately.  Termination shall be accompanied by a written notice to the other party. 
LIFEINSURANCEBROKERS.COM shall not be liable to subscribers or any third party for termination of service. 
Should subscriber object to any terms and conditions of the LIFEINSURANCEBROKERS.COM service or any subsequent modifications thereto or become dissatisfied with the service in any way,  subscriber's only recourse is to immediately; 

1. discontinue use of the service; 
2. terminate service membership; and 
3. notify LIFEINSURANCEBROKERS.COM of termination. 

Notice  
All notices to a party shall be in writing and shall be made either via email or conventional mail.  LIFEINSURANCEBROKERS.COM may broadcast notices or messages through the service to inform subscribers of changes to the LIFEINSURANCEBROKERS.COM service agreement, the service or other matters of importance,  such broadcasts shall constitute notice to subscriber. 
Participation in promotions of advertisers subscriber may enter into correspondence with or participate in promotions of the Advertisers showing their products on the Service.  Any such correspondence or promotions, including the delivery and  the payments for goods and services, and any other terms, conditions, warranties or representations associated with such correspondence or promotions, are solely between the corresponding subscriber and the Advertiser. 
LIFEINSURANCEBROKERS.COM assumes no liability, obligation or responsibility for any part of any such correspondence or promotion.  

Proprietary rights to content  
Subscriber acknowledges that content, including but not limited to text, software, music, sound, photographs , video, graphics or other material contained in either sponsor advertisements or email-distributed, commercially produced information presented to subscriber by the service(content) by LIFEINSURANCEBROKERS.COM or lib's advertisers, is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws; therefore, a Subscriber is only permitted to use this Content as expressly authorized by the service or the Advertiser. 
Subscriber may not copy, reproduce, distribute, or create derivative works from this content without expressly being authorized to do so by the Service or the Advertiser. 

Laws  
The LIFEINSURANCEBROKERS.COM service agreement shall be governed by and construed in accordance with the laws of the province of Ontario ,Canada excluding its conflict of law provisions. 
LIFEINSURANCEBROKERS.COM's failure to exercise or enforce any right or provision of the libs service agreement  shall not constitute a waiver of such right or provision unless acknowledged and agreed to by LIFEINSURANCEBROKERS.COM in writing. 
Subscriber and LIFEINSURANCEBROKERS.COM agree that any cause of action arising out of or related to this Service must commence within one(1) year after the cause of action arose, otherwise, such cause of action is permanently barred. 
The section tittles in the LIFEINSURANCEBROKERS.COM service agreement are solely used for the convenience of the parties and have no legal or contractual significance. 

The following is the code of ethics and terms of registration that must be adhered to, or your link and registration to this site will be terminated. 
a) terms of how a lead is to be handled. 
once notified of a potential lead by either , phone, fax , or email,  the receiving broker has two (2) business days to contact a lead.  In the event, due to circumstances beyond your control you may attempt to contact beyond the 2 business days , It is understood the client may have solicited another broker and the second broker has the first right to service the client . 
Since this site works on the premise of goodwill and fair play, it is also understood  the client has the absolute right to determine if they wish to continue to work with yourself. if a second broker has contacted the client due to the fact you were not able to contact the client within the 2 business day limit , then the second broker shall have the first right of continuation and you must explain this to the client,  again the client shall make the absolute decision to continue discussions with yourself or the second agent and both agents must abide by that decision. in the event a conflict occurs between the first and or subsequent agent , the client will be the one to decide absolutely which agent or broker they wish to consummate any further transactions.  A broker failing to abide by this standard will no longer be eligible to be on this site. 
A third party arbitrator appointed by this organization, Lifeinsurancebrokers.com, will have absolute control of that decision and the brokers will abide by such decision.  The cost of such arbitration, if required ,will be expensed to the brokers in conflict and any collection costs involved in such decision.. 
The brokers if solicited by a client to quote a specific company due to a no obligation quote being generated, are obligated to respect the wishes of the client and work with the quoted company.  As any professional is expected to do  if the product is not in the best interest of the clients goals , this must be pointed out and if an alternative within that companies portfolio is available , we ask that the quoted company be given first opportunity to solve the clients needs.  If this is not acceptable then any and all companies represented by the brokers may be considered acceptable alternatives if it is in the clients best interest. 

The following are standards of conduct expected of all brokers listed on this site. Failure to abide by any and all of the listed standards may mean the removal of your listing on this site. 
priority of client interests  
You are expected to place the interest of clients and prospective purchasers before your own. 
confidential information  
respect the confidential nature of all information regarding a client's personal and business affairs received in the course of providing or attempting to provide financial products and services. 
disclosure  
Accurately disclose to a client all material facts relating to any product which you discuss so that he or she can make an informed decision. 
misrepresentation  
do not make any false or misleading statement or representation when providing a Life insurance companies financial product and services to your clients. 
rebating  
do not directly or indirectly rebate or attempt to rebate all or any part of a premium for insurance in contravention of provincial insurance legislation 
replacement  
Ensure that any replacement of an existing policy is in the best interests of the policyholder, complete fully and accurately the required disclosure statement and comply with any other applicable replacement regulations or industry holding out to the public 
Accurately describe your business, training and qualifications on all letterhead, business cards, written proposals and advertising. 
improper advertising  
Do not use advertising which indicates sales attainments or membership in a club or other organization in which the production of  stipulated volume of business is necessary qualification for membership with the exception of MDRT status in accordance with the MDRT regulations. 
premiums  
Unless otherwise agreed by a specific  Insurance company,  premiums should be made payable directly to that specific company . Should you receive premium amounts on behalf of a specific insurance company, keep accurate records of all premium amounts received and remit all premiums promptly to the company. 
complaints  
Inform Lifeinsurancebrokers.com and the respective Insurance company of any complaint from a policyholder, agent, broker, or regulatory authority which you receive in respect of your distribution of their products and co-operate fully with any regulatory inquiry or investigation. 
 
If you accept the terms and conditions of the above , please proceed with the registration process or push back to leave this site. 
Moving onto the registration form indicates acceptance of the above terms and your agreement to abide by such terms. 

We at Lifeinsurancebrokers.com and the participating Insurance companies thank you for your co-operation.