1. About these terms

This website, financialhub604.com, is operated by Rajni Bala, a sole proprietor doing business as FinancialHub604 (“FinancialHub604,” “we,” “us,” or “our”). By visiting or using this site, you agree to these Terms of Service and to our Privacy Policy. If you do not agree, please don't use the site.

We may update these Terms from time to time. The “Last updated” date above tells you when. Your continued use of the site after changes are posted means you accept the updated Terms.

2. Information only — not financial or legal advice

The content on this website is provided for general information only. It is not, and is not intended to be, financial, insurance, investment, tax, legal, or other professional advice. Insurance and financial planning decisions are personal and should be made with reference to your own circumstances. Always speak with a Licensed Insurance Advisor (you can book a free consultation with us) and, where appropriate, your accountant or lawyer, before making decisions.

3. No advisor-client relationship from website use alone

Visiting this website, reading our blog, downloading materials, or submitting a form does not, by itself, create an advisor-client relationship between you and Rajni Bala. An advisor-client relationship is established only when we have spoken with you, agreed to act on your behalf, and you have provided the information needed for us to advise on or place specific products.

4. Eligibility

This site is intended for residents of British Columbia, Canada, who are 18 years of age or older. If you are visiting from outside BC or Canada, the products and information on this site may not be appropriate for or available to you. You must be legally able to enter into binding agreements to use this site or to engage our services.

5. Accuracy of information

We work hard to keep the information on this site accurate and up to date — particularly for time-sensitive items such as Super Visa rule changes. However, insurance products, premiums, IRCC requirements, and tax rules change. We make no warranty that everything on the site is current, complete, or error-free at any given moment. Always verify with us directly, and with the relevant carrier or government source, before acting on what you read here.

6. Insurance regulatory note

Rajni Bala is licensed and regulated by the Insurance Council of British Columbia. Insurance products described on this site are offered through and underwritten by third-party Canadian insurers (such as BMO Insurance, Canada Life, Desjardins, Destination Travel Group, Equitable Life of Canada, Industrial Alliance / iA Financial Group, Manulife, Secure Travel, and Travelance). Each insurer has its own policy terms, underwriting rules, claims process, and complaints procedure. The actual coverage, exclusions, premiums, and benefits applicable to you are those set out in the insurance policy issued by the carrier — not those described in marketing copy on this site.

7. Submissions to us

When you submit a form on this site or contact us by email, phone, text, or WhatsApp, you confirm that the information you provide is true and complete to the best of your knowledge. You also acknowledge that we may use that information as described in our Privacy Policy — for example, to share with insurance carriers when you ask us to obtain quotes.

Don't include sensitive medical, financial, or banking details in a free-text message field unless we ask for them. If we need that information to advise you, we'll ask for it through a secure channel.

8. Intellectual property

All content on this site — text, graphics, logos, photos, and design — is owned by Rajni Bala or used with permission, and is protected by Canadian copyright and trademark law. You may view, download, and print pages for your own personal, non-commercial use. You may not republish, sell, modify, or use any of this content for commercial purposes without our prior written permission.

Third-party logos shown on this site (for example, our insurance partners) are the trademarks of their respective owners and are used to identify those partners.

9. Third-party links and services

This site may contain links to third-party websites and uses third-party services (Netlify, Web3Forms, Google Fonts, WhatsApp/Meta, social media platforms, and others). We are not responsible for the content, terms, or privacy practices of those third parties. Following an external link is at your own risk.

10. Limitation of liability

To the maximum extent permitted by law, Rajni Bala and FinancialHub604 are not liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of this website or your reliance on any information on it. Our total aggregate liability arising from your use of the website (separate from any insurance policy you place through us, which is governed by the carrier's contract) is limited to one hundred Canadian dollars (CAD $100).

Nothing in these Terms limits or excludes any liability that cannot be limited or excluded under applicable Canadian law — including liability for our own gross negligence, fraud, or wilful misconduct.

11. Indemnity

You agree to indemnify and hold harmless Rajni Bala and FinancialHub604 from any claim, loss, or expense (including reasonable legal fees) arising from your breach of these Terms or your misuse of the website.

12. Privacy

Our handling of your personal information is governed by our Privacy Policy, which is part of these Terms.

13. Changes to the website

We may add to, change, or remove parts of this website at any time, without notice. We may also discontinue the site entirely. We are not liable to you for any changes we make.

14. Governing law and jurisdiction

These Terms are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable in BC. Any dispute arising from these Terms or your use of this website will be resolved in the courts of British Columbia, and you agree to attorn to the exclusive jurisdiction of those courts.

15. Severability and waiver

If any part of these Terms is found unenforceable, the rest of the Terms continue to apply. Our failure to enforce a particular provision is not a waiver of our right to enforce it later.

16. Contact us

If you have questions about these Terms, please contact:

• Rajni Bala, Licensed Insurance Advisor o/a FinancialHub604
• Email: financialhub604@gmail.com
• Phone / WhatsApp / Text: 604-750-0339