Red Helm Canada Terms & Conditions

Conditions of Use

Please read the following conditions of use carefully before using this site. These conditions of use also apply when you use a downloadable application, computer or mobile device browser or other technology to access any features, functionality, content, applications for service or information that is made available or provided on this site. You should review the conditions of use regularly as they may change at any time.

References to “you” or “your” shall mean the person accessing or using this site. References to “Red Helm Canada”, “we”, “us” or “our” shall mean The Red Helm Canada Ltd and its affiliated companies. Additional or different conditions of use may apply to other The Red Helm Canada ’ sites, and you should review the conditions of use posted on the site(s) you wish to use. The Red Helm Canada reserves the right to change the terms of use of its sites or discontinue them at any time upon notice to you. Notice may be given to you in writing, by email or by posting such notice on the relevant site.

Age of Consent

By using this site, you represent that you are at least the age of majority in your province of residence, or that you are the age of majority in your province of residence.

General

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.

This site is not intended to provide you with any personalized financial, accounting or tax advice. It should not be used as a substitute for personal advice from a licensed group benefits advisor or other appropriate professional advisors. This site is not intended to provide you with any legal advice. If you require legal advice, please consult with your lawyer.

We make reasonable efforts to maintain the availability of this site. However, there will be times when this site will be unavailable for use or when we find it necessary to shut down this site for a period of time for maintenance, updates, and other reasonable adjustments.
The products and services described in the site are available only in Canada. Nothing in this site is intended to constitute an advertisement for the promotion of such products and services in other jurisdictions.

Authorization

The personal information collected by Red Helm Canada will be used by Red Helm Canada for the purposes of underwriting, servicing, managing and administering individual and group life, accident and sickness insurance, claim processing and adjudication. You authorize that for the above purposes the personal information is accessible to, and may be exchanged with, authorized employees of and relevant third parties retained by Red Helm Canada, its sales distribution network, any group benefits plan administrators, any industry drug pooling entity, participating reinsurers, other insurance companies, investigative organizations, health care providers and facilities, including, but not limited to pharmacies, physicians and dentist, and any other person or party you authorize. If applying for your spouse and/or dependents, you confirm that you are authorized to act on behalf and therefore this consent and authorization also applies to the collection, use and communication of their personal information for the same purposes. You understand that all claims made under the Group Insurance Policy are submitted through me as the plan member. You therefore authorize Red Helm Canada to exchange information about these claims with me or any person acting on my behalf, including a spouse or dependent, as deemed necessary for the purposes of confirming eligibility and assessing and managing the claim. You acknowledge and agree that in the case of misrepresentation, claims abuse, fraud, falsification or tampering with claim documents or receipts, or the claimant not actually receiving the goods or services claimed, my Group Benefits coverage may be immediately terminated by Red Helm Canada. You certify that all of the information given on this form is true, correct and complete.

Confidentiality

The Red Helm Canada is committed to respecting the privacy of your personal information. By submitting application and enrollment information, you confirm that you are responsible to ensure that any information, text, images, photos or other content you submit (“Your Content”) is truthful and compliant with all applicable laws. You must not submit any content that is misleading, defamatory, discriminatory, abusive or otherwise inappropriate, or that infringes or violates anyone’s rights. You confirm that Your Content complies with the Know Your Client requirements and codes of ethics that apply to the Provider. It is, however, important to keep in mind that the Internet is not a secure medium of communication. For this reason, we cannot guarantee the privacy of any information you input, send to us, or request be delivered to you during its transmission over the Internet. We will not be responsible for any damages you or others may suffer as a result of the loss of confidentiality of such information in the course of transmission over the Internet. If you would like to access, correct, amend or delete any personal information we have about you, register a complaint, or simply want more information please send an email to admin@Red Helm Canada.ca. In the subject of your message, please state “ATTN: Customer Service – Privacy”.

Terms Applicable to Third-Party Services, Tools, and Sites

When we offer you access to the services of a third-party provider, we are responsible for collecting your fees and managing your subscription. We may provide other administration services. However, by accessing any third-party services, you confirm that you understand and agree to the Terms.

1) Third-Party Terms

a) You access the services on or through the Website of the third party and as such, you are subject to the third party’s terms and conditions of use. Please carefully review them.

2) Policies

a) By using the services of a third party, you are subject to their privacy and security policies. Please carefully review them.

3) Disclaimer

a) The services of third parties are provided on an “as is” and “as available” basis. We make no warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose and non-infringement. We specifically make no warranties that the website or services of any third party, including any content, information, products or services obtained from or through the use of the website or the services, will be provided on an uninterrupted, timely, secure or error-free basis or that such services or the results derived therefrom will meet your requirements or expectations.

4) Limitation of Liability

a) You expressly understand and agree that we will not be liable for: i) any direct, incidental, special, exemplary, indirect or consequential damages; or ii) any damages for any loss of revenue, profits, savings, or goodwill; or iii) any damages for loss of data or unavailability of any website or services regardless of whether we had been advised or could have foreseen the possibility of such damages arising out of or in connection with: (a) the use, inability to use or performance of the services, products or website of third parties; (b) any unauthorized access to or modifications to any of your content on or transmissions to third party websites; or (c) any other matter relating to the website, services or products of third parties.

The Red Helm Canada may use third-party service providers to provide certain tools and/or programs, some of which may be housed on a third-party server or a site that has been independently developed by others. As such, while accessing this site you may be linked to such other third-party servers. Access to other sites or use of any third-party tools or programs on this site is subject to all the terms and conditions found on such third-party site(s). Third-party websites accessed by hypertext links appearing on this site may have been independently developed by others. We are not responsible for the contents or operation of such third-party sites and we do not guarantee the accuracy of any information in them. The listing of an organization not affiliated with The Red Helm Canada on this site should not be interpreted as an endorsement of its services or products by The Red Helm Canada or any of its representatives. The Red Helm Canada disclaims any and all responsibility and liability for the accuracy, content, completeness, legality, reliability or operability of such third-party websites or the services and resources available on them. Any concerns regarding any such service or resource should be directed to the particular service or resource.

Professional Advice from a Licensed Individual/Group Benefits Advisor

It is highly recommended that you obtain independent advice from a licensed group benefits advisor to discuss your needs and budget before purchasing a program to ensure the proper fit. To obtain advice, simply send us an email to [email protected] or visit www.Red Helm .ca and submit your request to connect with an advisor through the Contact Us link. If you choose to purchase a policy without speaking with an advisor first, you confirm you understand that you had the opportunity to access live advice for free and will continue to have access to an advisor after the policy is in force at all times, but have freely chosen to forego speaking with a licensed professional before the purchase and will hold plan providers harmless against any claims regarding not having a clear understanding of the program fit beforehand.

Terms Applicable to the Services

By requesting quotes or more information using the Red Helm Canada website, you confirm that you have read and agree to these Terms & Conditions, Advisor Disclosure, and that you approve Red Helm Canada communicate with you digitally regarding any insurance services.


Advisor Disclosure – Red Helm Canada

Licensing

As specialists in health insurance products and services, the following Licences, Professional Designations and/or Accreditations are valid and actively maintained:

Broker / Dealer Licenses

Stephane Perron
Accident & Sickness Insurance
Red Helm Canada Ltd.
300-116 Albert Street, Ottawa, Ontario, K1P 5G3

Insurance Investments
(BC, ON,)

Request for Service, Information, Review and/or Quote

For the purposes of this online engagement, the suite of Red Helm Canada-branded group benefits products and services are presented and have been made available on a click and buy basis.

By accessing and applying for the Red Helm Canada-branded products and services offered by Red Helm Canada Ltd. we will, as your Advisor, assist you in your request for further information, financial product placement or product servicing specific to your need. On a case-by-case basis depending upon client needs, Red Helm Canada Ltd. will be able to assist you directly and/or we may refer you to other qualified professionals or referral partners (“Associates”). Only approved and qualified Associates will be contacted to reach out to you. To provide timely and efficient service, you may be contacted via electronic communication methods. All efforts will be made to ensure secure, encrypted transmission of private information. You acknowledge awareness that all communications, the collection, and transmission of private information will be conducted in accordance with applicable Compliance Regulations, Privacy Legislation and Errors and Omissions Insurance requirements and authorize the use of electronic communication methods and you acknowledge awareness that there remains a risk that information may become unsecured after transmission. Your consent will remain effective until such time as you retract this consent in writing.

Other programs and services are available through Red Helm Canada Ltd. and/or referral partners by contacting Red Helm Canada Ltd. (see Contact Us within).

Scope of Services

If you would like to explore other retail insurance products and services across different lines of insurance, please contact us directly.

The scope of our services includes the following:

Business Services
Group Insurance – sole proprietor, medium, large-size businesses
Group Travel
Health Trusts, Private Health Services Plans
Insurance Coverage (Income and Asset Protection)
Health and Dental Insurance
Health & Wellness Spending Accounts
Travel Insurance
Disability Insurance (injury; illness)
Life Insurance – Term, Whole Life, Universal Life (Life)
Long-Term Care Insurance (LTC)
Business Overhead; Fracture; AD&D
Critical Illness (CI)
Investments (Retirement Planning, Wealth Creation, Estate Preservation)
Segregated Funds/ GMAWBs / GMLBs
Pooled Funds
Private Portfolio Management
Manulife Bank Advantage Banking (Chequing, Savings)
TFSAs, RRSPs, RRIFs, LIRAs, LIFs, RDSP
RESPs (Registered Education Savings Plans)
Contracted Carriers / Referral Partners and Corresponding MGAs
The following is a limited sample of Contracted Carriers / Referral Partners and Corresponding MGAs:

Carrier / Referral Partners

Financial Horizons Group
People Corporation
SBIS - Special Benefits Insurance Services
Benefits by Design
Group Benefitz
Simply Benefits
The Benefits Trust
Edge Benefits
21st Century Travel Insurance
Allianz Global Assistance
Assumption Life
Red Helm Canada
Ivari
JF Insurance
Sunlife
TourMed
UV Insurance
Azimuth Risk Solutions
Beneva
BMO Life Insurance
Canada Life
Foresters Financial
IMG Global
Manulife
SLI - Specialty Life Insurance
Travelance
Wawanesa Life
MyHSA
Canada Protection Plan (CPP)
Cigna Global
Desjarding Financial Security
Green Shield Canada
Industrial Alliance
Ontario Blue Cross
RIMI Secure Travel
Trawick International
CanAm Insurance
Pacific Blue Cross
Destination Travel Group
Empire Life
GMS - Group Medical Services
Humania Assurance
MSH International
RBC Insurance
TUGO
HotSpot Cover
AwayCare
TruStone Health

Red Helm Canada Ltd. and its advisors are currently contracted with each of the above carriers/referral partners listed above. At a minimum, we obtain necessary contracting with all carriers/referral partners listed above (and others) based on the specific insurance and/or financial needs of each client.

Consent

In requesting further information regarding the services and products indicated above, you consent to your personal information being disclosed to the appropriate representative(s) as required. This information will be held in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA). Note: Additional consent forms and disclosures may be required of me at time of application and as specific products are purchased.

Commissions, Sales Charges and Fees

You acknowledge that Red Helm Canada Ltd. and/or its Advisors and/or Associate(s) may receive an initial and/or ongoing commission or referral fee on the products and services listed above. You acknowledge that any products sold through prospectus, information folders, offering memorandums, or referral arrangements for which Red Helm Canada Ltd. is not specifically licensed may or may not fall under its Errors and Omissions insurance coverage. Financial products often include embedded commission, sales charge options and ongoing fees. Some costs are chosen or imposed during the beginning of the sale process or upon early redemption of placed funds. Be sure to ask your advisor for details of any fees and how they may affect your future transactions and returns to choose the right option for your circumstance.

Indemnification of Red Helm Canada Ltd. and/or its Advisors and/or its trusted Associate(s)

By completing and signing any online requests or application, you indemnify Red Helm Canada, its Advisors, Associates, Referring Agents, all associated Dealerships against any and all losses and/or damages that may associated with any/all products purchased through referral arrangement to a licensed or unlicensed seller. You acknowledge and agree that Red Helm Canada Ltd. is not responsible for the proper placement of any referred product or its appropriateness for my situation. You will consult the duly-licensed seller as to the appropriateness of each product of interest.

Declaration of Other Business Activity

Stephane Perron declares his participation in the sales and service or property and casualty insurance in associate with BrokerTeam Insurance. Red Helm Canada Ltd declare their participation in no additional business activities other than those associated with the above.

Stephane Perron declares that he currently has common ownership in Red Helm Canada Ltd.

Every effort will be made by Red Helm Canada Ltd., its Advisors, and/or its trusted Associates to ensure no conflicts of interest, whether actual or perceived, arise. All advising and product suggestions provided by Red Helm Canada, its Advisors and/or its trusted Associates will be solely carried out in the best interests of the client based on information provided by the client.

Furthermore, you hold harmless Red Helm Canada, its Advisors, Associates or Referring Agents who may be without license and attest that they have not held themselves out to be a licensed representative, for which they are not. Nor have they described in any leading detail the products for which you have been referred and for which they are not licensed or approved to sell. It is with your full consent and authority that Red Helm Canada Ltd. will pass your personal information to a referred professional, where it is deemed they could best review your needs based on what you have disclosed to Red Helm Canada Ltd. at this time.

Contact Us

Should you have any questions or require additional information, please send an email to [email protected] to schedule an appointment with a licensed advisor to review other market product information, obtain quotations, and perform analysis for fit.

Email: [email protected]
Toll-free: 1.866.230.5565
Website: https://redhelm.ca