LEGAL/TERMS AND CONDITIONS

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING OR OBTAINING ANY MATERIALS, INFORMATION, OR SERVICES THROUGH THIS SITE.

(Revised Mar 1 2015)

ACCEPTANCE OF CONDITIONS

By accessing this website, visitors accept, without limitation or qualification, the Terms and Conditions contained below and all applicable laws. ABEX Brokerage Services Inc., ABEX Financial West Coast Inc., ABEX Central Financial Services Ltd., ABEX Private Wealth Management Inc., ABEX Financial Corp. (ABEX), may at any time revise these Terms and Conditions by updating this posting. Visitors agree to be bound by such revisions, and should periodically revisit this page to review the current Terms and Conditions.

LICENSING

ABEX is licensed for Life Insurance and Accident & Sickness products in the provinces of British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, Nova Scotia and New Brunswick. The use of this web site is restricted to residents of those provinces.

INFORMATION ACCURACY

Although the content of this website is believed to be reliable when posted, ABEX cannot guarantee this information to be current, accurate or complete. The information is subject to modification and updating from time to time without notice.

WEBSITE CONTENT

The information on this website does not constitute an offer to buy or sell products or services and is not intended to provide any insurance, financial, legal, accounting or taxation advice, and should not under any circumstances be relied upon by you in that regard.

Insurance quotations through this website are only used to provide an estimate of the terms, conditions, and costs of coverage, and do not constitute a binder of insurance coverage. Quotations may be subject to receipt of additional information or other conditions. Insurance coverage is provided by various insurance companies and is subject to the terms and conditions of their policies. The products and services referred to on this website may not be available in all geographic regions.

TRADEMARKS AND COPYRIGHT

All contents of this website are the copyright of ABEX and are protected under the copyright laws of Canada and other countries. All rights reserved. In addition, certain information on this web site may be copyrighted by others. The information on this web site shall only be copied for personal use and may not be reproduced, or distributed for any other purpose in whole or in part without the prior written permission of ABEX. Any infringement of ABEX's rights will result in appropriate legal action.

HYPERTEXT LINKS

This web site may facilitate access by hypertext links to other worldwide web sites. These hypertext links are entirely independent of this web site and shall NOT in any manner be construed as any reflection on or any affiliation with or endorsement of such site or entity or its respective products, services or contributions to this web site.

ABEX has not reviewed the content linked to. The right to reproduce and use the content linked to is subject to the conditions that the respective owners may impose, and is at your own risk.

PRIVACY AND SECURITY ABEX

adheres to rules, legislated and self-imposed, to safeguard your privacy. The rules are established by this Privacy Policy, the Code of Business Conduct (applying to our directors, officers and employees), as well as industry guidelines and applicable law. ABEX develops and maintains procedures which implement these rules and shall not collect personal information indiscriminately. Both the amount and type of information collected shall be limited to that which is necessary to fulfill the purposes identified.

Complete privacy, confidentiality and security are not yet possible over the Internet. Therefore, ABEX shall not be responsible or liable for any harm or loss which may be suffered by any party, resulting from the use, communication or transmission of any information, including private, confidential or sensitive information to or from this web site.

LIABILITY

ABEX, its subsidiaries, affiliated companies, its officers, directors, employees or any persons associated with the creation of this web site, are NOT responsible in any manner whatsoever for any harm, loss or damage that may arise in connection with or through the use of this web site including, without limitation, any direct, indirect, special, third party or consequential damages, howsoever caused.

The laws of Canada and those of your province of residence shall govern as to the interpretation, validity and effect of this agreement and any use of this web site.