TERMS & CONDITIONS
This document outlines your responsibilities, rights, limitations as a user of our services, as well as the obligations and protections provided by the Company. It also defines important legal terms, describes procedures related to service engagement, authorized representation, data privacy, liability, and termination, and ensures compliance with all applicable provincial and federal regulations in Canada.
Please read this document carefully before using our services. If you are acting on behalf of a Principal, it is your responsibility to ensure that the Principal has reviewed and accepted these terms. If you do not agree with these Terms and Conditions, you must not use our services.
1. Definitions & Agreement
“We”, “us”, “our” or “the Company” refers to Lift Equity Group Inc., its staff, contractors, legal representatives, and business partners providing services in life insurance, mortgage brokering, real estate investment, coaching and consulting across Canada.
“You”, “your”, “client” or “customer” refers any individua or legal entity accessing our website or use of our services.
“Authorized Representative” refers to any individual legally permitted to act on your behalf of another person or organization, such as through Power of Attorney, corporate authority, legal guardianship, or written mandate.
“Principal” refers to the person or organization granting authority to an Authorized Representative to act on their behalf in engaging with the Company’s services.
2. Eligibility
You must be the age of majority in your province or territory of residence and legally capable of entering into binding contracts to use our services.
3. Acceptance of Terms
By accessing or using our website, services, or communicating with us including via an Authorized Representative acting for a Principal, you agree to legally be bound to these Terms and Conditions as well as our Privacy Policy.
If you do not agree with these Terms, you must not use our services.
Your continued use of the services after changes are made to the Terms constitutes your agreement to those updated Terms.
Where services are used on behalf of a Principal, it is assumed the Authorized Representative has communicated the Terms to the Principal and obtained their consent.
4. Scope of Services
We offer the following services
- Life insurance brokerage, consultations, recommendation, and brokerage support.
- Mortgage brokering, mortgage pre-qualification, financing consultation, and assistance.
- Real estate investment consulting, strategy, property guidance and due diligence support.
- Personal and business professional coaching sessions, advisory and educational workshops.
- Virtual and in-person consultation services.
- Ongoing consultation and support related to financial products or real estate transactions.
5. Use of Services
You agree to use our services only for lawful purposes and in accordance with these Terms. Misuse, fraudulent activity, or misrepresentation of information may result in termination of services and possible legal action.
6. Authorized Representation
If you or your organization use an Authorized Representative to engage with our services, that principal must give full legal authority to act on your behalf.
The company reserves the right to:
- Verify the authority of any Representative.
- Decline or pause services pending validation.
- Retain and store copies of authorization documentation for compliance.
The Authorized Representative must provide valid government-issued ID and legal documentation to verify authority, such as Power of Attorney, corporate resolutions, shareholder agreements, or legal guardianship documents in order to request and access services on the Principal’s behalf.
The Principal remains legally and financially responsible for actions taken by their Representative,
Services may be refused or terminated if proper authorization cannot be confirmed.
The same privacy, confidentiality, and liability terms apply equally to communications and actions undertaken by the Authorized Representatives.
We are not responsible for misrepresentations or fraudulent actions committed by individual falsely claiming authority.
7. Client Responsibilities
You (or your Authorized Representative, on behalf of the Principal) agree to:
- Provide accurate, truthful, and complete information necessary for the service delivery.
- Provide accurate, truthful, and updated personal or business information.
- Maintain confidentiality and security of any logincredentials or access codes (if applicable).
- Use our services lawfully, for its permitted purposes and not engage in unauthorized or illegal activities.
- Notify us promptly if your information changes or if there is any unauthorized access.
- Compy with all terms of engagement or consultation issued by us in writing.
8. Financial and Investment Disclaimer
The company does not offer guaranteed outcomes regarding insurance approvals, mortgage funding, property appreciation, or investment returns.
All investment or financial decisions are made at your discretion and risk.
We advise clients and Principals to seek independent legal or financial advice as needed.
9. Coaching and Educational Services
Coaching or advisory sessions are intended for guidance only and are substitutes for legal, medical, or psychological advice.
Out comes from coaching may vary and depend on individual implementation and external market conditions.
10. Communication and Consent
You consent to receiving communications including phone calls, emails, and SMS text messages in accordance with the Canadian Anti-Spam Legislation (CASL).
You consent to receiving communication via client portals or apps if used.
You may opt out of electronic communications at any time by following opt-out instructions or replying “STOP” to texts.
11. SMS/Text Messaging Terms
By providing your mobile number and opting in to receive text (SMS) messages from Lift Equity Group Inc. (“the Company”), you agree to the following terms, which are in accordance with the Canadian Anti-Spam Legislation (CASL) and all applicable federal and provincial laws and regulations:
- Consent
You expressly consent to receive recurring text messages from the Company related to your services, account updates, appointment reminders, educational content, or promotional offers. Consent is voluntary and not required as a condition for purchasing or engaging in any of our services. - Use and Protection of Personal Information
Your mobile number and any personal information you provide in relation to SMS communication will be used solely to send you requested communications and manage your preferences. We will not sell, rent, or share your mobile number or information with any third parties for their marketing purposes. All personal information will be handled in accordance with our [Privacy Policy]. - Message Frequency
The frequency of messages may vary depending on the nature of your engagement with our services and choice of communication, but will generally not exceed 10 messages per month, unless otherwise noted. Some services may involve periodic or recurring messages. - Opt-Out Option
You may opt out of receiving future SMS communications at any time by replying with STOP, UNSUBSCRIBE, or CANCEL to any message. Upon receiving such a request, we will make reasonable efforts to promptly remove you from the applicable messaging program. - Help Option
For support or additional information regarding SMS communications, you may reply HELP or contact our office directly via phone or email as provided in Section 21 (Contact Information). - Carrier Charges
Standard message and data rates may apply as per your mobile carrier’s terms and service plan. You are solely responsible for any such charges.
Your participation in our SMS/text messaging service confirms that you have reviewed, understood, and solely responsible for any such charges.
12. Limitation of Liability
We provide our services on a best-effort basis and do not guarantee specific financial or investment outcomes and to the fullest extent permitted by law, Lift Equity Group Inc., will not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, investments, opportunity, data, use, goodwill, or other intangible losses resulting from:
- Your use or inability to use our services
- Unauthorized access, use, or alteration of your transmissions or data
- Statements, errors or conduct of any third party
Our liability, in any case, shall be limited to the total amount paid by you for the specific service in question, unless otherwise required by applicable law. This limitation does not apply to damages resulting from our gross negligence, willful misconduct, or violations or privacy rights as governed by Canadian federal and provincial legislation.
We are not liable for any loss, damage, or delay resulting from inaccurate information provided by you or an Authorized Representative.
We disclaim liability for unauthorized use of services by any individual lacking proper authority.
13. Intellectual Property
All content provided by us—including written materials, logo, brand identity, images, and proprietary tools—is the exclusive intellectual property of Lift Equity Group Inc. and may not be copied, distributed, or used without written permission.
14. Confidentiality, Privacy & Data Protection
Your use of our services is also governed by our Privacy Policy. We are committed to safeguarding your personal information under the Personal Information Protection and Electronic Documents Act (PIPEDA) and relevant provincial laws. Data collected during service provision—including from Authorized Representatives or Principals—is encrypted, securely stored, and only accessed by authorized personnel. Our privacy practices include:
- Strict adherence to consent-based data usage
- Clear and accessible rights to access, correct, or withdraw your data
- Secure storage and destruction of records in accordance with retention laws and industry standards
- Regular training of staff and implementation of administrative, technical, and physical safeguards
By using our services, you consent to our collection, use, and disclosure practices as outlined in our Privacy Policy.
All discussions, consultations, and documents shared between you and Lift Equity Group Inc. are considered confidential and will be protected under applicable privacy laws, subject to legal disclosure obligations.
Personal data provided to the Company is protected under applicable privacy laws (see our Privacy Policy).
Information shared by the client or on behalf of Principals may be retained and reviewed for compliance, regulatory inquires, or internal auditing.
Where a Principal is involved, both the Representative and the Principal consent to data being process for service purposes.
15. Termination of Services
We reserve the right to terminate or suspend service to any client or Principal at our sole discretion due to the breach of these Terms, fraud, misuse of our services, or if required by law.
Either party may terminate engagement with written notification, subject to applicable notice period outlined in individual service agreements.
Termination of Service does not entitle the client or Principal to a refund of fees already paid.
16. Payment Terms & Refunds
Service fees must be paid in accordance with the invoicing terms provided. Late or failed payments may incur additional charges or result in suspended services.
All services are non-refundable. Refunds may only be issued at the sole discretion of the Company and/or according to the terms outlined in a signed contract of service agreement.
Any request for a refund must be submitted in writing and will be considered on a case-by-case basis.
17. Dispute Resolution
These Terms and the Privacy Policy are governed by the laws of the Province of Ontario and federal laws of Canada. For clients outside Ontario, local provincial or territorial laws will apply for privacy and consumer protection.
All disputes arising out of or relating to these Terms or the services provided shall first be attempted to be resolved through informal negotiations. If a resolution is not achieved, disputes shall be submitted to binding arbitration under applicable legislation in your province or territory, unless otherwise specified.
18. Modification to the Terms
We may revise these Terms periodically to reflect changes in legal or business requirements. Updated versions will be posted on our website with the date of revision. Continued use of our services after changes have been posted will constitute your acceptance of the revised Terms.
19. Governing Law
These Terms shall be governed by the laws of the Province in which the service was delivered and the federal laws of Canada applicable therein. Any disputes will be subject to the exclusive jurisdiction of the courts in that Province. Our business practices, including data privacy and consumer protections, are designed to exceed the minimum requirements set by PIPEDA, CASL, provincial privacy legislations (e.g., FIPPA, PIPA, Law 25), and industry-specific regulatory bodies (e.g., FSRA, OSFI, FINTRAC).
We are committed to full compliance with evolving privacy, data security, and consumer protection regulations, maintaining transparency and ethical conduct in all services provided.
20. Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.
Such invalidity shall not affect the validity or enforceability of any other provisions, which shall be interpreted and enforced as if the invalid or unenforceable clause had never existed.
The invalid or unenforceable provision shall be replaced with a valid provision that most closely reflects the original intent and economic effect.
21. Contact Information
For questions or concerns about these Terms:
Email: policies@liftequitygroup.com
Phone: 1 (855) 204-4061
