Privacy Policy & Website Terms of Use

Our Privacy Commitment

BTN Financial Services Inc. values your business and we thank you for your confidence in choosing our firm as your source of advice and product. As our client, you trust us with your personal information. We respect that trust and want you to be aware of our commitment to protect the information you share in the course of doing business with us.

Your Rights as They Pertain to Your Personal Information

You have the right to know why an organization collects, uses or discloses your personal information.

You have the right to expect an organization to handle your information reasonably and to not use it for any purpose other than the one to which you consented.

You have the right to know who in an organization is responsible for protecting your information.

You have the right to expect an organization to protect your information from unauthorized disclosure.

You have the right to inspect the information an organization holds about you and make sure it is accurate, complete and current.

You have the right to expect an organization to destroy your information when requested or when it is no longer required for the intended original purpose.

You have the right to confidentiality from an organization about how it handles your information, and to contact the Privacy Commissioner of Canada if needed.

How We Collect, Use and Disclose Your Information

When you do business with us, you share personal information so that we may provide you with products and services that best meet your needs. We assume your consent allows our firm to use this information in an appropriate manner. We may use and disclose this information in order to:

• Assess your application for insurance and other services available to you through our firm
• Evaluate claims and underwriting risks when required
• Detect and prevent fraud
• Analyze business results
• Act as required or authorized by law

What We Will Not Do With Your Information

We do not sell client information to anyone, nor do we share client information with organizations outside of our relationship with you.

How We Protect Your Personal Information

All employees, associated advisors and suppliers who are granted access to client records understand the need to keep this information protected and confidential. They are to use the information only for the purpose intended. This expectation is clearly communicated. We have also established physical and systems safeguards, along with proper processes, to protect client information from unauthorized access or use.

Website Terms of Use

Upon accessing and using this website, all users agree to comply with the following terms of use. These terms apply to all content, products, and services contained within this website.

1. Responsibility of Contributors

If you contribute any content to this website, you accept all responsibility for that content and will be held liable for any harm resulting from its use. Content contributed must not infringe the proprietary rights of a third party, contain viruses or other destructive material, be spam or unwanted commercial content, or contain offensive material.

2. Responsibility of Visitors

Visitors are responsible for taking precautions when reviewing, using, or downloading material from this website. The material posted to this site cannot be 100% reviewed, and BTN Financial Services Inc. cannot be responsible for the material’s content, use, effects, or accuracy. BTN Financial Services Inc. disclaims responsibility for any harm or loss resulting from the use of this website.

3. Content Posted on Other Websites

BTN Financial Services Inc. is not responsible for content found or used via links to other websites. We have not reviewed or endorsed material contained within any outside websites and disclaim any responsibility for harm or loss resulting from the use of external sites.

4. Copyright Infringement

We ask that you respect the intellectual property rights of BTN Financial Services Inc. and others. Visitors found repeatedly infringing upon copyrights will no longer be permitted to access the site. If you see material on this website that violates intellectual property rights, please notify our staff immediately so appropriate action can be taken.

5. Intellectual Property

Your use of this website does not grant you permission to reproduce or use any trademarks, service marks, graphics, or logos representing BTN Financial Services Inc. or third parties.

6. Termination

We maintain the right to terminate your access to all or any part of this website at any time, with or without cause, and with or without notice.

7. Disclaimer of Warranties

This website disclaims all warranties that the content within will be error-free, or that access to the site will be unlimited, continuous, or uninterrupted. Visitors use, download, or obtain services at their own discretion and risk.

8. Limitation of Liability

In no event will BTN Financial Services Inc. be liable, with respect to any subject matter of this agreement, under any legal theory for any loss, damages, cost or harm of any kind.

9. General Representation

By using this website, you agree to act in strict accordance with this agreement, the privacy policy, and all applicable laws and regulations.

10. Indemnification

You agree to indemnify and hold harmless BTN Financial Services Inc. and all of its staff members from and against any and all claims and expenses, including attorney’s fees, arising out of your use of this website, including but not limited to your violation of this agreement.

11. Miscellaneous

Through use of this website, users agree to all subject matter included in these terms of use. These terms may be modified or updated by BTN Financial Services Inc. at any time. This website is governed by the laws of the province of British Columbia, Canada. If any part of this agreement is deemed invalid, that part will be construed to reflect the parties’ original intent, while the remaining sections will remain in full force.