Anderson Chau, Advisor
Terms & Conditions
Updated on 2026-03-01
1. Agreement to Terms
By accessing or using the website located at andersonchau.ca (the “Website”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, please do not use the Website. These Terms, together with the Privacy Policy and Legal Disclaimer published on the Website, constitute the entire agreement between you and Anderson Chau regarding your use of the Website.
Anderson Chau (“I,” “me,” “my”) is a licensed life and health insurance advisor in the Province of Ontario, regulated by the Financial Services Regulatory Authority of Ontario (FSRA).
2. Description of Services
The Website provides general educational and informational content related to life insurance concepts, financial planning topics, and related subjects. The Website also provides a means for visitors to book consultations with me and to submit contact information for follow-up communications.
The Website does not facilitate online transactions, process payments, sell products, or provide an e-commerce function of any kind. No insurance product can be purchased through this Website.
3. Not Professional Advice
All content on the Website, including blog posts, videos, articles, and other materials, is provided for general educational and informational purposes only. Nothing on this Website constitutes financial advice, legal advice, tax advice, or a recommendation to purchase any specific insurance product. You should consult with a qualified professional before making any financial, legal, or insurance-related decisions.
I make no representations or warranties regarding the accuracy, completeness, or applicability of any information on this Website to your individual circumstances. Insurance needs, eligibility, underwriting outcomes, premium rates, and product suitability vary based on individual factors.
4. Consultations and Booking
The Website may include an invitation to book a no-obligation consultation. Booking a consultation does not create a client-advisor relationship, a binding agreement, or a commitment to purchase any product. A client-advisor relationship is established only when you formally engage my services and proceed with a needs analysis or insurance application.
Information you provide through booking forms is handled in accordance with my Privacy Policy and the Personal Information Protection and Electronic Documents Act (PIPEDA).
5. Electronic Communications
By submitting your contact information through any form on this Website, you may be consenting to receive commercial electronic messages from me in accordance with Canada’s Anti-Spam Legislation (CASL). The specific terms of consent are presented at the point where you submit your information. You may withdraw your consent at any time using the unsubscribe mechanism provided in any email, or by contacting me directly.
For full details on how I handle electronic communications, please refer to the consent statement on the applicable form and my Privacy Policy.
6. Intellectual Property
All content on this Website, including text, graphics, images, video, audio, and design elements, is owned by Anderson Chau or used with permission and is protected by Canadian and international copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use any content from this Website without my prior written consent, except for personal, non-commercial use such as viewing, sharing a link, or printing a page for your own reference.
7. Third-Party Links and Content
The Website may contain links to third-party websites or resources. These links are provided for convenience only. I have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. Accessing third-party links is at your own risk and subject to the terms and conditions of those websites.
8. Cookies and Tracking Technologies
The Website uses cookies and similar technologies for website analytics and to measure the effectiveness of online advertising. Cookies do not contain personally identifiable information. You can control or disable cookies through your browser settings, though doing so may affect website functionality. For more information, please refer to my Privacy Policy.
9. Disclaimer of Warranties
The Website and its content are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied. To the fullest extent permitted by applicable law, I disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
I do not warrant that the Website will be uninterrupted, error-free, secure, or free of viruses or other harmful components. I do not warrant that any information on the Website is accurate, complete, or current.
10. Limitation of Liability
To the fullest extent permitted by applicable law, Anderson Chau shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, the Website or any content on the Website. This includes, without limitation, damages for loss of profits, data, or other intangible losses, even if I have been advised of the possibility of such damages.
Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable Canadian law.
11. Indemnification
You agree to indemnify, defend, and hold harmless Anderson Chau from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to your use of the Website or your violation of these Terms.
12. Governing Law and Dispute Resolution
These Terms are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.
In the event of any dispute arising out of or relating to these Terms or your use of the Website, you and Anderson Chau agree to first attempt to resolve the dispute through good faith negotiation. If the dispute cannot be resolved informally within thirty (30) days, either party may pursue resolution through the courts of the Province of Ontario, and you consent to the exclusive jurisdiction of those courts.
13. Severability
If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.
14. Changes to These Terms
I may update these Terms from time to time. The updated Terms will be posted on the Website with a revised “Last updated” date. Your continued use of the Website after any changes constitutes your acceptance of the revised Terms. I encourage you to review these Terms periodically.
15. Contact Information
If you have any questions about these Terms, please contact me:
Anderson Chau
Licensed Life Insurance Advisor, Province of Ontario
3100 Steeles Ave E #500, Markham, ON L3R 8T3
Email: anderson@andersonchau.ca
Phone: 647-629-6781
Website: andersonchau.ca