By accessing the site, you do so at your own risk. If you have any doubt or discomfort, you should seek your own independent advice at your own cost and not proceed to access or use this site. You shall ensure at all times that your access to the site and its contents do not violate any applicable laws or regulations or violates the site in any way. The contents on this site are on an "as is" basis. Please click the sections below for important information in relation to this site:
Confidentiality and privacy
The Sun Life Financial group of companies is committed to respecting the privacy of your personal information. However, the Internet is not a secure medium of communication. Therefore, we cannot guarantee the privacy of any information you input on this site or send to us on the Internet. The Sun Life Financial group of companies and their representatives will not be responsible for any damages you or others may suffer as a result of the loss of confidentiality of any such information.
By accessing the site, you acknowledge and agree that Sun Life Financial group of companies may collect information in relation to your access and may utilise Cookies in its site. Your access to the site may result in records such as the following, obtained by Sun Life, in particular information pertaining to your internet browser, computer operating system, domain of your internet service provider, the website from where you linked to this site, frequency and duration of your visits to the site and the particular web pages that you access. Where Cookies are utilised, the site sends files to your browser which may be stored in the hard drive of your computer device. The site may be able to recognise you through information of your computer system has used to access the site, and if you decline to accept Cookies, this may affect your ability to access the site in whole or in part. Your personal data may only be collected by Sun Life Financial group of companies through the site when you voluntarily input and submit the same to Sun Life Financial group of companies. Such personal data shall be collected and used in accordance with relevant laws and regulations.
Conditions of use
This site is for general information purposes only. It is not intended to provide you with any personalized financial, accounting, legal or tax advice. You should appoint your own qualified professional advisors, such as lawyers, accountants, tax and financial advisors, as you deem fit before you decide whether to purchase any insurance policy. No contract of insurance or any other legal relations is created or can be construed to be created involving Sun Life Financial group of companies, or between Sun Life Financial group of companies and you, solely based on the information set out on this site.
Information provided on this site is believed to be true and reliable when posted. However, Sun Life Financial group of companies does not give any warranty in respect of the reliability, accuracy or completeness of the Contents, does not make any representation regarding the use or results of use of the Contents, and does not assume any obligation to update or inform you of any changes to the Contents of the site. Sun Life Financial group of companies cannot guarantee that information will be accurate, complete and current at all times. The Contents may include typographical errors, omissions, technical inaccuracies, or dated information. All information in this site is subject to modification from time to time without notice.
Nothing on this site constitutes an offer to buy or sell products or services of the Sun Life Financial group of companies. All products and services are subject to the terms and conditions of any applicable agreements.
Our products and services are available only in jurisdictions where they may be lawfully offered for sale. Not all products and services are available in all geographical regions. Nothing on this site shall be construed as advice from Sun Life to make any investment or an indication of whether the products referred to herein are suitable for any person in particular.
Online security
Sun Life Financial group of companies reserve the right to terminate your access to any or all of the site at any time, without any notice. Sun Life Financial group of companies also reserves the right to disclose any information deemed necessary to comply with any applicable law and regulation or to edit, remove or post any information or materials in its absolute discretion.
Where there are hyperlinks in the site which lead to the sites of other parties outside the Sun Life group of companies (“External Parties’ Websites”), these are given for your convenience only, and Sun Life makes no representation in relation to the contents, accuracy, completeness, authenticity or security of these External Parties’ Websites. Sun Life does not maintain, endorse, approve or review the contents of External Parties’ Websites at any time. When you click on such hyperlink, you do so at your own risk and Sun Life is not liable for any loss to you, damage to your computer systems, compromise to your security, or any other issues that you may face, resulting from your own choice to access External Parties’ Websites. Any such hyperlink is not, and cannot be construed as, an endorsement by Sun Life of such external parties or any products or services that they may offer, or deemed as any indication of affiliation between Sun Life and such external parties.
The Sun Life Financial group of companies and their representatives will not be responsible in any manner for any reliance that you place upon the contents of this site.
Sun Life Financial group of companies and their representatives are also not responsible for any viruses, worms, Trojan Horses, codes, wares or similar things which may maliciously intercept the site to access your Personal Data or compromise your security or computer systems, or result in any harm, loss, damage, however caused, arising out of your use of this site, including direct, indirect, special, third party or consequential damages to you.
It is your sole responsibility to maintain the confidentiality of your passwords and details, the security of your computer systems used to access the site and any External Parties’ Websites. Sun Life Financial group of companies is not responsible for any transactions or unauthorised use of your account or passwords. Any cost of necessary servicing, repair, correction, replacement or maintenance, in the event of any loss or damage from your use and access to the site, shall be totally borne by you. Sun Life does not guarantee or give any warranty that your access to the site will be free from interruptions, errors, defects, viruses, worms, Trojan Horses, malicious codes, harmful wares or similar things, or that any correction of any of the aforesaid will be effected. Additionally, Sun Life does not give you any warranty, express or implied, and disclaims all warranties, including that of fitness for purpose, title, security, merchantability, or non-infringement.
Intellectual property
The contents of this site are proprietary information of Sun Life which have all rights to the contents and protected by copyright. Users of this site shall be entitled to copy information for their own non-commercial personal use but may not copy, republish, reproduce, distribute, post, share by transmission, effect a hyperlink linking to the site, do any act or thing which gives the impression that you are associated with Sun Life in any way, or deal with any part of the contents without the prior written permission of the applicable Sun Life Financial company. Republishing and reproducing includes any uploading, downloading or accessing the information on this site onto the Internet or any other local or international computer system. An acknowledgment of the source must be included whenever our materials are copied or published with our consent. If you require further information on the uses that you may make of the information on this site or if you wish to obtain a licence to reproduce or republish any material on this site, please send such requests by e-mail or contact Public and Corporate Affairs Department at 1 York Street, Toronto, Ontario, M5J 0B6 Canada. Any infringement of our rights will result in appropriate legal action. The Sun Life Financial group of companies disclaim any and all liability which may result from any unauthorized reproduction or use of the information on this site.
Sun Life Assurance Company of Canada and its affiliated companies respectively own all the trade-marks used on or in connection with the goods and services which they provide. The trade-marks are protected by the Canadian and foreign trade-mark laws. All rights reserved.
None of our intellectual property rights are deemed to be transferred to you in any way by your mere access to this site.
Indemnity
You agree to fully indemnify Sun Life Financial group of companies from and against all damages, losses, liabilities, costs and expenses (including reasonable legal costs) arising from or in connection with your access or use of this site, any use of this site using your account or password, and breach of any of these terms.
Sun Life Assurance Company of Canada is an insurance company federally incorporated in Canada, with OSFI Institution Code F380 and its registered office at 1 York Street, Toronto, Ontario, Canada M5J 0B6. It is regulated by Office of the Superintendent of Financial Institutions, Canada. Sun Life Assurance Company of Canada Singapore Branch (UEN T19FC0132B) is registered with the Accounting and Corporate Regulatory Authority of Singapore as a foreign company, with its registered office at One Raffles Quay, #10-03 North Tower, Singapore 048583. It is licensed and regulated by the Monetary Authority of Singapore. Where Sun Life Assurance Company of Canada Singapore Branch is referred to as “Sun Life Singapore”, this is strictly for marketing and branding purposes only, and no legal significance is expressed or implied. Sun Life Assurance Company of Canada is a member of the Sun Life group of companies. The Sun Life group of companies operates under the “Sun Life” name. Sun Life Financial Inc., the publicly traded holding company for the Sun Life group of companies, is not a product offering company and is not the guarantor of the obligations of its subsidiaries. © 2020 Sun Life Assurance Company of Canada. All rights reserved. The name Sun Life and the globe symbol are registered trademarks of Sun Life Assurance Company of Canada.