Terms of Service

1. Acceptance of Terms

Welcome to the website of GSM Financial Solutions (“GSM”, “we”, “us”, or “our”), operated by Les Mroz, CLU, located in Burlington, Ontario. By accessing, browsing, or using this website (gsminsurance.ca), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree with these terms, please discontinue use of this website.

2. Informational & Educational Purpose Only

All information, articles, solution overviews, and materials published on this website are provided solely for general informational and educational purposes. Content relating to life insurance, business succession planning, estate planning, wealth transfer, disability insurance, critical illness coverage, health and dental plans, and travel insurance is designed to provide an introductory overview of available concepts and strategies in Ontario.

Nothing on this website constitutes legal, accounting, tax, investment, or specific insurance advice. Financial and insurance strategies must be evaluated against your specific financial position, family structure, tax status, and business objectives.

3. No Automatic Advisor-Client Relationship

Visiting this website, reviewing materials, sending an email, or submitting a message through our Discovery Call request form does not create an advisor-client, fiduciary, or contractual relationship between you and GSM or Les Mroz.

An advisor-client relationship is formally established only after we have conducted an individual consultation, completed appropriate needs analyses, and executed formal written advisory agreements and policy applications.

4. Necessity of Personalized Consultation

Insurance policies, taxation rules, underwriting guidelines, and estate laws are subject to frequent legislative updates and individual carrier underwriting discretion. Before implementing any financial or insurance strategy described on this site, you should consult directly with a licensed advisor and your independent legal and accounting professionals.

5. Website Use & Intellectual Property

All content on this website, including but not limited to text, editorial copy, graphics, images, logos, layout designs, and custom software code, is the property of GSM Financial Solutions or its content providers and is protected under Canadian and international copyright, trademark, and intellectual property laws.

You are granted a limited, revocable, non-exclusive license to view and print pages from this website for your own personal, non-commercial use. You may not reproduce, distribute, modify, republish, or commercialize any site content without prior written permission from GSM.

6. Accuracy, Warranties & Disclaimer

While GSM makes reasonable efforts to ensure that website information is current and accurate at the time of publication, the website and its content are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied.

GSM does not warrant that this website will operate uninterrupted, secure, or free of errors, viruses, or technical defects.

7. Limitation of Liability

To the maximum extent permitted by applicable law in the Province of Ontario and Canada, GSM Financial Solutions, its principal Les Mroz, employees, and contractors shall not be liable for any direct, indirect, special, incidental, consequential, or punitive damages arising from or connected with your access to, use of, or inability to use this website or reliance on any general information contained herein.

8. External Third-Party Links

This website may contain hyperlinks to external third-party websites (such as LinkedIn and Facebook). These links are provided solely for convenience and reference. GSM does not endorse, control, or assume responsibility for the content, security, or privacy policies of any third-party websites.

9. Governing Law & Jurisdiction

These Terms of Service and any disputes arising out of or related to your use of this website shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in Ontario, Canada.