OUR COMMITMENT
Protecting your privacy and personal information is an integral part of fostering and maintaining this relationship of trust between Copperstone Financial Group and our clients. Protecting your privacy and personal information is consequently something that we take to heart. The collection, use, and disclosure of your personal information is an essential part of our job. Our compliance with insurance industry standards and our commitment to protecting your personal information allow you to conduct business with us with total peace of mind. Upon your written request, we will provide you with reasonable access to your personal information and a description of its use or disclosure, as required or permitted by law. You may also verify the accuracy and completeness of your information, and request that it be amended, if appropriate. We are committed to handling the personal information under our control with care. We have designated individuals who are responsible for monitoring our ongoing compliance with the Privacy Principles.
PRIVACY
Information provided by you through our site is used for Copperstone Financial Group, for business purposes only in order to service your needs as a customer.
MAIL TERM OF SERVICE
By providing Copperstone Financial Group your email address, you agree to receive updated insurance quotes for Medavie Blue Cross™ health insurance, including periodic product announcements, specials and account notifications from Copperstone Financial Group. You may cancel these communications at any time by clicking the unsubscribe link in the footer of the actual email.
INFORMATION WE COLLECT
Personal information refers to information that identifies you and pertains to you directly. We only collect information about you that is required to provide you with your request. The kind of information that we need depends on the nature of the product or service concerned, whether a travel insurance, a traditional life insurance product or service. The personal information we request typically includes: Basic information such as your name, address, telephone and fax number, e-mail address, or date of birth. We may also ask for additional information to help us provide you with pertinent advice and information on other products and services of possible interest to you.
PROTECT YOUR PERSONAL INFORMATION
If you have any questions or wish to withdraw your consent to the collection, use, or disclosure of your personal information, please contact Copperstone Financial Group Compliance Officer at the following address:
Att: Compliance Officer at Copperstone Financial Group.
212 Commercial St., Berwick NS B0P 1E0 1-800-363-3043. info@copperstonefinancial.ca
OUR CODE OF PROFESSIONAL CONDUCT
We are members of Advocis (The Financial Advisors Association of Canada),
As a condition of membership in Advocis, all members agree to abide by the Advocis Code of Professional Conduct (CPC).
1. Priority of Client’s Interest
An Advocis Member shall act in a client’s best interests.
2. Integrity
An Advocis Member shall act with integrity
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3. Competence
An Advocis Member shall act competently..
4. Diligence
An Advocis Member shall act diligently.
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5. Disclosure
An Advocis Member shall act transparently.
6. Professionalism
An Advocis Member shall act in a manner that reflects positively upon all other Advocis Members.
7. Confidentiality
An Advocis Member shall respect and protect the privacy of others and the confidentiality of client information.
8. Respect of the Law
An Advocis Member shall act in accordance with the spirit and principles of the law.
OUR LEGAL STATEMENT
The Insurance quotes being provided by Copperstone Financial Group is based on the information you, the user, provide to a broker. All quotes are subject to verification by our insurance suppliers. In the event that there are any discrepancies between the quotes being provided by Copperstone Financial Group and the quotes established by our insurance suppliers based on the same information, the quotes established by our insurance suppliers shall govern. The benefits and services provided through Copperstone Financial Groups website system are subject to the terms, conditions and limitations of the applicable agreement(s) governing them. Although the contents of this Website are deemed reliable when posted, Copperstone Financial Group cannot guarantee this information to be current, accurate or complete. The information is subject to modification and updating from time-to-time without notice. The information on this Website is not intended to provide professional advice including, without limitation, financial, legal, accounting or tax advice, and should not be relied upon in this regard.
LICENSING
This site is operated by Copperstone Financial Group. is a provincial corporation with a head office in Nova Scotia . Copperstone Financial Group Inc, brokers, all holds Life and/or Accident & Sickness insurance agent licenses in the geographic areas they serve in Canada. We work through and only with licensed insurance agents and brokers.
PAYMENT
When a client accepts the offer from a quote, of a specific product, from an insurance company, the payment will be automatically processed by Medavie Blue Cross™
GOVERNING LAWS
The insurance laws of the Province of Nova Scotia and the federal corporate laws of Canada applicable therein shall govern as to the interpretation, validity and effect of this Agreement and any use of the Site. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the Province of Nova Scotia in any action or proceeding instituted under or related to this Agreement or your use of the Site. If you or any persons listed on your application for insurance have been previously convicted of insurance fraud, all insurance providers listed on the Copperstone Financial Group Website reserve the right to refuse to issue an insurance contract based on this fact. All products ordered will be provided by a licensed insurance company.
COPYRIGHTS & TRADEMARKS
All contents of this Website are the copyright of Copperstone Financial Group Inc. and are protected under the copyright laws of Canada. Any infringement of those rights will result in appropriate legal action. In addition, certain information on this Website may be copyrighted by others. All information, data, text, graphics, images, software, code, metadata, links, audio, and video files, all online tools, and all other materials forming part of the website (collectively, the “Content”) are the property of Copperstone Financial Group Inc. unless otherwise noted.
DISCLAIMER
The information on this website does not constitute your official policy documents. All information on this website is provided for reference only. Policy wording, definitions, translations, product details, coverage limits, and plan details are subject to change at any time, without notice prior to a purchase and delivery of the policy from the insurance company offering the product. The information on this site does not constitute a solicitation. All purchase coverage contract will be provided by Medavie Blue Cross™
All Financial Products are offered through an affiliated partner of Copperstone Financial Group Inc. We do not underwrite products, process or pay claims on these products. We represent products of partners and we distribute their products. The purchase of a policy confirms acceptance of the policy wording, terms, conditions, limits, and exclusions set out therein. Copperstone Financial Group Inc and its insurance providers and affiliates are not responsible for differences between the information found on this site and the actual coverage provided.
If you have any questions about your coverage, please contact us at 1-800-363-3043 or info@copperstonefinancial.ca