Terms of Use

Effective date: September 16, 2026

These terms apply to your use of this website, operated by Denise Schleuss in connection with my insurance practice in British Columbia and Alberta. By using this website, you agree to these terms.

About This Website

This website is my personal business website. It shares information about how I help families with insurance, savings, and retirement, and about joining my team. It also lets you book a call or contact me directly.

Licensing

I hold life and accident and sickness insurance licence in British Columbia and Alberta. I offer insurance products and services only in provinces where I hold an active licence at the time of the transaction.

The content of this website is my own. This website is not the official website of any insurance company or financial services company, and I do not speak on behalf of any company.

Business Opportunity

Information on this website about joining my team is general. Anyone who joins works as a self-employed, commission-based independent contractor. There is no salary and no guaranteed income. Results depend on individual effort, skill, and many other factors. Selling insurance in Canada requires a provincial licence, and getting licensed involves study time and costs. Nothing on this website is a promise of any level of income.

Not Legal, Financial, or Tax Advice

Information on this website is general in nature. It is not legal, financial, or tax advice. You should consult a qualified professional for advice specific to your situation. Comments I make about wills, estates, or the tax treatment of insurance benefits are intended as general education only.

Product Information

Any product information I share is general in nature. Coverage availability, eligibility, premiums, riders, benefit amounts, and other policy features may vary by province, by individual, and by product version. Every policy is subject to its own terms, conditions, exclusions, and limitations, which will be set out in the policy document at the time of application or issue. Nothing on this website constitutes an offer to insure or a binding contract.

Tax treatment of insurance benefits is based on current Canada Revenue Agency rules and may change.

Booking and Communication

When you book a consultation, you agree to attend in good faith or to let me know in advance if you need to reschedule. There is no obligation to purchase anything as a result of any consultation. If you choose to apply for a policy, the application process is separate from this website and will be governed by the insurer's terms.

External Links and Third-Party Services

This website links to and embeds third-party services such as Calendly and Zoom. I do not control those services and I am not responsible for their content or practices. When you use those services, you do so under their terms.

Intellectual Property

The content of this website, including the text, images, logos, and design, is owned by Denise Schleuss or licensed for use. You may share or print pages for your own personal, non-commercial reference. You may not copy, redistribute, or repurpose the content for commercial purposes without my written permission.

Limitation of Liability

I do my best to keep the information on this website accurate and up to date. I do not warrant that the information is complete, current, or free of errors. To the maximum extent permitted by law, I am not liable for any losses or damages arising from your use of this website or from your reliance on the information on it.

Governing Law

These terms are governed by the laws of British Columbia and the federal laws of Canada that apply in BC. Any dispute will be resolved in the courts of British Columbia.

Changes to These Terms

I may update these terms from time to time. The current version will always be on this page with the most recent effective date.