Terms & Conditions

Informational Purpose Only

The content on this website is provided for general informational purposes only. It does not constitute insurance advice, financial advice, legal advice, or a recommendation to purchase any specific product. The information presented may not reflect the most current regulatory developments, insurance products, or policy terms. You should not act or refrain from acting based solely on the content of this website without seeking appropriate professional advice tailored to your individual circumstances.

Insurance Coverage

Kishan Arasathurai is a licensed insurance advisor operating through Havilah Wealth Management. Insurance products are underwritten by third-party Canadian insurance companies. All coverage is subject to the terms, conditions, exclusions, and limitations of the specific policy issued by the insurer. We act as an intermediary to help you understand your options and facilitate the application process. We do not guarantee the issuance, pricing, or terms of any insurance policy. Policy terms are governed by the insurance contract between you and the insurer.

No Guarantee

While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of:

• The information, products, services, or related content on this website.
• The availability or pricing of any insurance product.
• The processing time for applications or proof of coverage.
• The outcome of any insurance application or claim.

References to "same-day" service or fast turnaround are subject to eligibility, insurer underwriting requirements, business hours, and the completeness of the information provided. These are not guarantees.

Limitation of Liability

To the fullest extent permitted by applicable law, Havilah Wealth Management, Kishan Arasathurai, and any associated parties shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this website, your reliance on any information provided, or any insurance product obtained through our services. This includes, without limitation, damages for loss of profits, data, goodwill, or other intangible losses, even if we have been advised of the possibility of such damages.

Jurisdiction

This website is operated from Canada and is intended for use by residents of Canada. These Terms and Conditions are governed by and construed in accordance with the laws of the Province of Quebec and the applicable federal laws of Canada. Any disputes arising from or relating to these terms or your use of this website shall be subject to the exclusive jurisdiction of the courts of the Province of Quebec. Insurance products and advisory services are provided in compliance with the regulatory requirements of the provinces in which Kishan Arasathurai is licensed (Quebec, Ontario, Alberta, and British Columbia).

Third-Party Links

This website may contain links to third-party websites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we are not responsible or liable for any damage or loss caused by or in connection with the use of any such content, goods, or services available through any such websites.

Changes to These Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be posted on this page with an updated revision date. Your continued use of this website after any changes constitutes your acceptance of the revised terms.

Contact

If you have any questions about these Terms and Conditions, please contact us: