Terms of Use

Content on this website is for general information about long-term disability and related disability-insurance issues in Ontario. It is not legal advice and is not a substitute for advice about your specific situation.

Laws, policies, and insurer practices change. Information on this site may be incomplete or may not apply to your circumstances.

Using this website, requesting a free case review, or submitting a contact form does not create a solicitor-client relationship.

A solicitor-client relationship arises only if we expressly agree to represent you, typically after intake, conflict checks, and a signed written retainer or engagement agreement.

A free case review is an intake step. It does not mean we have accepted your matter or that we will commence work on your behalf.

Do not send confidential documents through the website form unless you are comfortable doing so at the inquiry stage. Prefer the minimum information needed for us to contact you.

We try to keep the website accurate and available, but we do not warrant that content is complete, current, or uninterrupted.

We may change, suspend, or remove website content or features at any time.

To the extent permitted by applicable law, we are not responsible for loss or damage arising solely from your reliance on general information on this website or from inability to access the site.

Nothing in these terms limits rights that cannot be limited under Ontario or Canadian law.

These terms are governed by the laws of the Province of Ontario and the applicable laws of Canada. Courts in Ontario will have jurisdiction over disputes arising from these terms or use of the website, subject to any mandatory consumer protections that apply.

Questions about these terms may be directed to us by phone at (437) 295-7287, through the contact form on this website, or by mail at 120 Eglinton Avenue East, Toronto, ON M4P 1E2.

We may update these terms from time to time. The “Last updated” date will change when we do. Continued use of the website after an update constitutes acceptance of the revised terms for later visits.