Terms of Use

This website is operated by Gisele Pecapedra, an individually licensed Life Insurance and Accident & Sickness Insurance agent in British Columbia, currently practising under supervision. I process insurance business through a Managing General Agent (MGA). Policies are issued by insurers, not by me.

My services are limited by my licence, supervision, insurer appointments, and applicable law. See Regulatory Disclosures for details.

This website provides general information, not individualized insurance, investment, financial, tax, or legal advice. Information may change; recommendations require an assessment of your circumstances and needs.

Quotes and illustrations are estimates unless confirmed by the insurer. Premiums, eligibility, coverage, and claims depend on underwriting and the issuing insurer's policy terms, conditions, and exclusions; no outcome is guaranteed.

An inquiry, quote, or application does not itself put coverage in force. You must provide complete and accurate application information; material omissions or misrepresentations may affect coverage or claims under applicable law.

Links and embedded services may direct you to insurers, my MGA, or other providers with their own terms and privacy practices. Review those terms before sharing information. Responsibility for those services remains subject to applicable law.

Use this website lawfully. Do not interfere with its security, attempt unauthorized access, submit deliberately misleading information, or misuse its content. Access may be restricted where appropriate and permitted by law.

Original content, branding, and graphics are owned by or licensed to the website operator. Personal, non-commercial use is permitted; other copying or commercial use requires permission unless allowed by law.

See the Privacy Policy, Cookie Policy, and Internet Security page for information about personal information and online risks. Do not send sensitive health or financial documents through unsecured website channels.

I aim to keep information accurate and the website available but cannot guarantee error-free content or uninterrupted access. Content and features may change without notice.

To the extent permitted by law, I am not responsible for losses arising solely from website interruptions, technical errors, or reliance on general website content without obtaining appropriate individualized guidance. Nothing here excludes liabilities or consumer and professional rights that cannot legally be limited.

I am licensed to conduct insurance activities in British Columbia only. Accessing this website from elsewhere does not authorize me to provide insurance services in another jurisdiction. See Regulatory Disclosures for current professional-status information.

I may revise these Terms as the website or applicable requirements change. The posted update date identifies the current version. Continued use after changes may constitute acceptance to the extent permitted by law.

These Terms are governed by the laws of British Columbia and applicable federal laws of Canada, without restricting statutory rights or access to regulators and legal remedies.

For questions about these Terms or my services, please use the Contact page. See Regulatory Disclosures for licensing and business-relationship information.