Terms and Conditions of use

By using this website, you acknowledge your assent to the following conditions of use without limitation or qualifications. Please read these conditions carefully before using this website. These terms and conditions may be revised at any time by updating this posting without notice. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound. If you do not agree to these terms and conditions of use, please do not use this website.


The information and content of this website is intended for general informational purposes only.  It is not intended to constitute insurance, legal, financial, tax or any other professional advice or services.  You should consult a qualified professional advisor before making any decision relating to the information contained in this website.

The materials in this website are provided strictly on an "as is" basis. Banyan Financial Services Ltd. makes no representation or warranty concerning the accuracy of the information and content implied or statutory, to the greatest extent permissible by law, including, but not limited to, all warranties or accuracy, completeness, merchantability, performance, and fitness for a particular purpose. Please refer to the actual policy or the relevant product or services agreement.

Limited liability

Banyan Financial Services Ltd. shall not be liable for any loss, harm or damage, including without limitation, any direct, indirect, special, third party or consequential damages, howsoever caused, to any person as a consequence of, or arising out of, access to, or use of, this website or any material from this website, even if we have been advised of the possibility of these damages. Use of this website, and any websites linking to or from this website, is entirely at the user's risk.

Banyan Financial Services Ltd. assumes no liability or responsibility for any damage due to access to, use of, or downloading of this website or any materials provided on this website.


Complete details of the benefits, exclusions and other policy details can be obtained from Banyan Financial Services Ltd. or the respective insurance company without charge upon request. It is the responsibility of the insured to review the insurance policies in detail prior to purchase and / or upon initial receipt of the policy.  You may also request information directly from our providers.


The insurance quotes provided by us are based on the information you, provide and the underwriting criteria of our participating companies. All quotes are subject to verification by our insurance carriers. Please ensure that all information provided is accurate in order to avoid errors. In the event that there are any discrepancies between the quotes being provided by this system and the quotes provided by our insurance carriers based on the same information, the quotes established by the insurance carriers shall govern.


All links between this website and other sites are owned, managed and maintained by independent third parties. Banyan Financial Services Ltd. is not responsible for the content of those websites. The inclusion of any link to such websites does not imply approval of or endorsement by Banyan Financial Services Ltd. of the websites or the content thereof.


The contents of this website of Chinese version are the copyright of Banyan Financial Services Ltd. and are protected under the laws of Canada and other countries. The information on this website may not be reproduced, or distributed in whole or in part without our prior written consent. Any unauthorized use of the Trademarks is strictly prohibited. All rights reserved.

The contents (except special notice) in English Version are cited from Wikipedia, The Free Encyclopedia.

1. "As with any source, especially one of unknown authorship, you should be wary and independently verify the accuracy of Wikipedia information if possible. For many purposes, but particularly in academia, Wikipedia may not be an acceptable source; indeed, some professors and teachers may reject Wikipedia-sourced material completely. This is especially true when it is used uncorroborated."
"Citing Wikipedia, http://en.wikipedia.org/wiki/Wikipedia:Citing_Wikipedia, (last visited Mar. 18, 2009)."

2. GNU Free Documentation License
Version 1.2, November 2002
Copyright (C) 2000,2001,2002 Free Software Foundation, Inc.
51 Franklin St, Fifth Floor, Boston, MA 02110-1301 USA
Everyone is permitted to copy and distribute verbatim copies of this license document, but changing it is not allowed.

3. Permission is granted to copy, distribute and/or modify this document under the terms of the GNU Free Documentation License, Version 1.2 or any later version published by the Free Software Foundation; with no Invariant Sections, no Front-Cover Texts, and no Back-Cover Texts. A copy of the license is included in the section entitled "GNU Free Documentation License".

We have the right (but not obligation), in our sole discretion, to refuse to publish or to remove or block access to any content at any time and for any reason, with or without notice.

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