Terms of Use

By accessing or using this website, you confirm that you are at least 18 years of age and have the legal capacity to enter into these terms. If you are accessing this website on behalf of a business or organisation, you confirm you have authority to bind that entity to these terms.

These terms apply to all visitors, users, and clients who access or use butterflybenefits.ca. Use of this website constitutes your acceptance of these terms and our Privacy Policy, which is incorporated into these terms by reference.

Butterfly Benefits is a licensed Canadian insurance brokerage and advisory firm registered and operating in Ontario. We are licensed to provide insurance advice and arrange insurance contracts in the provinces we service.

We do not service the province of Quebec. If you are located in Quebec, our services are not available to you and nothing on this website constitutes an offer to provide services in that province.

Being a licensed insurance intermediary means we are subject to regulatory oversight by applicable provincial insurance regulators. Our licensing status can be verified through the relevant provincial regulator.

You may use this website for lawful purposes only. You agree not to:

• Use this website in any way that violates applicable Canadian federal or provincial law
• Transmit any unsolicited or unauthorised advertising or promotional material
• Attempt to gain unauthorised access to any part of this website, its servers, or any connected systems
• Use any automated tool, scraper, bot, or similar technology to collect information from this website without our express written consent
• Introduce any virus, malware, or other harmful code to this website
• Misrepresent your identity, affiliation, or relationship with any person or organisation when using this website or submitting forms
• Use this website to submit false, misleading, or fraudulent insurance inquiries or applications

We reserve the right to restrict or terminate access to this website at our discretion, without notice, for conduct that we determine violates these terms or is otherwise harmful to us, our clients, or third parties.

Insurance recommendations require a full understanding of your specific circumstances, health situation, business structure, financial position, and coverage needs. No website can provide this. The information on this website is general in nature and may not apply to your situation.

Before making any insurance decision, you should speak with a licensed insurance advisor who can assess your specific needs. We are happy to help — please contact us.

Interactive tools and calculators — Our cost estimators, ROI calculators, plan builders, and quiz tools are designed to help you explore your options. The outputs are illustrative estimates based on general averages and assumptions. They are not quotes, actuarial projections, or guarantees of any kind. Actual insurance premiums and terms are determined by carriers through formal underwriting.

Tax and financial information — Where this website discusses tax treatment of insurance products (such as HSAs or disability insurance premiums), such information is general and may not apply to your specific situation. We are not tax advisors or accountants. Always consult a qualified tax professional regarding your specific circumstances.

We make reasonable efforts to ensure that the information on this website is accurate and current. However, the insurance industry is subject to frequent changes — in products, pricing, regulations, and carrier availability — and we cannot guarantee that all information is complete, accurate, or up to date at any given time.

Carrier information, product features, pricing estimates, and coverage details described on this website are subject to change without notice. Actual coverage terms are determined by the policy documents issued by the carrier, not by any description on this website.

We reserve the right to correct errors, update content, and modify this website at any time without notice.

This website includes interactive tools including a Benefits Cost Estimator, ROI Calculator, Plan Builder, Coverage Quiz, and individual health intake form. These tools are provided as a convenience to help you explore your options.

By using these tools, you acknowledge that:

• All outputs are estimates based on general assumptions and industry averages, not formal quotes or binding offers
• Results may not reflect your specific circumstances, demographic profile, health status, or carrier underwriting decisions
• These tools are most accurate for groups or individuals without prior coverage history — results may vary significantly for groups with existing claims experience
• We are not liable for any decisions made based on the outputs of these tools

If you use our intake or quote request forms, the information you submit will be used to follow up with you directly and to prepare personalised recommendations. Submitting a form does not create an insurance contract, guarantee coverage, or bind us to any particular recommendation or pricing.

When you submit a form on this website — including contact forms, quote request forms, or intake forms — you agree that:

• The information you provide is accurate and complete to the best of your knowledge
• You are authorised to submit information about any other individuals named in the form (for example, family members to be covered)
• Your submission will be processed and delivered to us through Web3Forms, a third-party form processing service
• We will respond to your submission within one business day during normal business hours (Monday–Friday, 8:00 am–6:00 pm ET), though we aim to respond sooner

Submitting a form on this website does not constitute a binding insurance application, create an advisor-client relationship, or guarantee any particular coverage, product, or pricing. An advisor-client relationship is only established once both parties have agreed to work together and the necessary documentation has been completed.

This website is protected by Google reCAPTCHA v3. By submitting a form, you agree to Google's Privacy Policy and Terms of Service as they relate to reCAPTCHA.

This website contains links to third-party websites, including insurance carrier portals (Manulife, GMS, Green Shield Canada, TuGo, IMG Global, and others). These links are provided for convenience. We do not control, endorse, or assume responsibility for the content, accuracy, privacy practices, or terms of third-party websites.

When you click a carrier link and purchase insurance directly through a carrier's website, your transaction is governed by that carrier's terms and conditions. We do not process, store, or have access to payment information submitted through carrier portals.

The availability of direct-purchase links on this website does not constitute a recommendation that you purchase without advisor guidance. Complex situations — including pre-existing conditions, multiple family members, incorporated business structures, or conversion from group coverage — may benefit from advisor-assisted review before purchase.

All content on this website — including text, design, graphics, logos, icons, tools, and the selection and arrangement of content — is the property of Butterfly Benefits or its content suppliers and is protected by applicable Canadian and international copyright and intellectual property laws.

You may view, print, and download content from this website for your own personal, non-commercial use only. You may not:

• Reproduce, republish, or redistribute website content for commercial purposes without our written permission
• Modify or create derivative works from content on this website
• Use our trademarks, logos, or branding without our express written consent
• Frame or mirror this website on any other site without our written permission

The Butterfly Benefits name and logo are trademarks of Butterfly Benefits. All other trademarks referenced on this website are the property of their respective owners.

To the maximum extent permitted by applicable law, Butterfly Benefits, its principals, employees, and agents are not liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use this website
• Any reliance on content, tools, estimates, or information provided on this website
• Errors, omissions, or inaccuracies in website content
• Unauthorised access to or alteration of your data transmitted through this website
• Actions or omissions of third-party service providers referenced or linked on this website
• Any interruption, suspension, or termination of this website

This limitation applies regardless of the theory of liability (contract, tort, negligence, or otherwise) and even if we have been advised of the possibility of such damages.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

You agree to indemnify, defend, and hold harmless Butterfly Benefits and its principals, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from:

• Your violation of these terms
• Your use of this website in a manner that is unlawful or that causes harm to others
• Any false, misleading, or fraudulent information you submit through this website

These terms are governed by and construed in accordance with the laws of the Province of Ontario and the applicable federal laws of Canada, without regard to conflict of law principles.

Any dispute arising from these terms or your use of this website shall be subject to the exclusive jurisdiction of the courts of the Province of Ontario.

If any provision of these terms is found to be unenforceable or invalid, the remaining provisions will continue in full force and effect.

We may update these terms from time to time. When we make material changes, we will update the "Last updated" date on this page. Your continued use of this website after any changes constitutes your acceptance of the revised terms.

We encourage you to review these terms periodically. If you do not agree to revised terms, you should stop using this website.

If you have any questions about these terms, please contact us: