Legal terms & conditions

• Terms of Use
• Definitions
• Products and Services
• Third-party tools and sites
• Privacy
• Copyright
• Trademarks
• Disclaimers
• Buying insurance online in Quebec

Terms of Use

These terms of use (the “Terms of Use”) govern your access to and use of all Canadian Websites and Canadian mobile applications operated by Sun Life (the “Services”). Please carefully read these Terms of Use. By accessing the Services you agree to be bound by these Terms of Use. If you do not agree to these Terms of Use, please discontinue accessing the Services. Additional or different conditions of use may apply to other Sun Life websites, mobile applications and services. You should review the conditions of use posted on the website(s) and mobile applications you wish to use.

These Terms of Use are effective as of the “Last Updated” date specified below. When changes are made, we will make a new copy of the Terms of Use available within the Services. You should review the Terms of Use regularly as they may be updated at any time. By continuing to use the Services after the update, you agree to be bound by such updates.

Definitions

“Sun Life,” “we,” “us,” or “our” shall mean Sun Life Financial Inc. and its affiliates.

"you" or "your" shall mean you, the person accessing or using the Services.

“Content” means all materials, including text, graphics, images, and tools contained on the Services.

Products and Services

Nothing on the Services constitutes an offer to buy or sell Sun Life products or services. All products and services are subject to their specific terms and conditions (“Product Terms”).

All Sun Life products and services described or provided on the Services may be modified, changed or withdrawn at any time without notice and are subject to Product Terms. If these Terms of Use are inconsistent with the Product Terms, the Product Terms will govern your purchase of the applicable products or services.

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, and you should check with Sun Life to find the products and services that are available for you.

If you’re unhappy with a Sun Life product or service, we want to hear from you.

Third-party tools and sites

Sun Life may use third party service providers to provide certain information, tools and/or programs (“Third Party Tools”). The Third Party Tools may be housed on a server operated by third parties or a site which has its own terms and conditions. Access to third party sites or use of any Third Party Tools are subject to the applicable terms and conditions. Some of these external websites and tools might not be accessible to persons with disabilities.

Links to third party websites are provided solely as a convenience. We are not responsible for the contents or operation of third party sites. Sun Life disclaims all responsibility and liability for the accuracy, content, completeness, legality, reliability or operability of Third Party Tools, third party websites or the services and resources available on them.

A link to a third party website or the listing of an organization not affiliated with Sun Life on this site should not be interpreted as an endorsement of its services or products by Sun Life or its representatives.

Privacy

Sun Life is committed to respecting your privacy. The information gathered and retained by us from your use of the Services will only be used by us. We will not provide or sell any information about you to unpermitted third parties. We may share information about you as necessary with third parties which provide services to us. These third parties are prohibited from using your personal information for any other purpose.

For further information on how we protect your personal information refer to our online privacy information. If you have questions about this policy, please contact us.

Copyright

The Content is owned or licensed by Sun Life. You may download information and print out hard copies of information available on the Services for personal non-commercial use, so long as you do not remove any copyright or other notices contained in such information. Except as provided herein, you may not copy, republish or reproduce any part of the Services without the prior written permission of Sun Life.

You may not frame, mirror, scrape or data-mine the Services or any of the Content in any form and by any method without the written permission of Sun Life.

If you require further information on the uses that you may make of the Content or if you wish to obtain a license to reproduce or republish any material on the Services, please send a request by email or contact:

Sun Life Corporate Communications Department,
1 York Street, Toronto, Ontario,
M5J 0B6 Canada.

Any infringement of our rights will result in appropriate legal action. Sun Life disclaims any and all liability which may result from any unauthorized reproduction or use of the Content.

Trademarks

Sun Life is the owner or licensor of all the trademarks used on or in connection with the Services. The trademarks are protected by Canadian and foreign trade-mark laws. All rights reserved.

Disclaimers

General

The Services are provided on an “as is” and “as available” basis, without any representations, warranties or conditions of any kind, either expressed or implied, including, but not limited to, implied warranties of non-infringement, merchantability, fitness for a particular purpose, performance, durability, availability, timeliness, accuracy, or completeness, all of which are hereby disclaimed by Sun Life.

Professional Advice

The Content of the Services is not intended to provide you with any personalized financial, health, medical, accounting or tax advice. It should not be used as a substitute for personal advice from a Sun Life representative or an appropriate professional advisor. The Services are not intended to provide you with any legal advice. If you require legal advice, please consult a lawyer.

Financial Accuracy

Information provided on the Services, including fund rates of return, account interest rates and unit values, is believed to be reliable when posted. However, we cannot guarantee that information will be accurate, complete and current at all times. Please contact your financial advisor to obtain more exact product rates or values.

Certain performance and other information on these Services relating to segregated funds and underlying mutual funds may be provided by third parties.

Sun Life may provide you access to a mobile application. If the mobile application shows you the current market value of your mutual fund account or individual segregated fund contract, please be aware that it’s not your official account/contract statement. The information shown in the mobile application is provided as a supplementary service only. Please refer to your official account/contract statements.

Internet Security

It is 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. For additional information on the security features of the Services, please refer to our online security information.

Availability

We make reasonable efforts to maintain the availability of the Services. However, there will be times when the Services will be unavailable for use or when we find it necessary to shut down the Services for a period of time for maintenance, updates and other reasonable adjustments.

Limitation of Liability

Your use of the Services is entirely at your risk. Sun Life, its officers, directors, employees or agents thereof, as well as any person associated with the creation and maintenance of the Services or the Content will not be responsible for any harm, loss or damage, however caused, arising out of your use of the Services, including direct, indirect, special, third party or consequential damages. We will not be responsible for any detrimental reliance that you may place upon the Services or the Content.

Indemnification

You agree to defend, indemnify, and hold us harmless, from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs, and expenses (including legal fees and litigation expenses) relating to or arising from your use of the Services and any breach by you of these Terms of Use.

Waiver and Severability

No waiver of any provision of these Terms of Use shall be enforceable against a party unless it is in writing and signed by a party. If any provision in these Terms of Use is held invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect.

Governing Law

These Terms of Use will be governed by and construed in accordance with the laws of the Province of Ontario and applicable laws of Canada. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the Province of Ontario sitting in the City of Toronto in any action or proceeding relating to your use of the Services.