Terms and Conditions

Last Updated: April 7, 2025

Welcome to Axton Financial! These Terms and Conditions ("Terms") govern your use of our website, https://www.axtonfinancial.com (the "Website"), and any services, products, or communications provided by Axton Financial ("we," "us," or "our"), a life insurance provider. By accessing or using our Website, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our Website.

1. Use of the Website

1.1 Eligibility: You must be at least 19 years of age (the age of majority in most Canadian provinces) to use this Website. By using the Website, you represent that you meet this age requirement.
1.2 Permitted Use: The Website is intended for personal, non-commercial use to learn about, inquire about, or purchase life insurance products offered by Axton Financial. You may not use the Website for any unlawful purpose, to harm others, or to interfere with the Website’s functionality.
1.3 Account Responsibility: If you create an account on our Website, you are responsible for maintaining the confidentiality of your account information and password. You agree to notify us immediately of any unauthorized use of your account at support@axtonfinancial.com.

2. Life Insurance Services

2.1 Nature of Services: Axton Financial provides life insurance products and related services. Any insurance policy you purchase is subject to the terms of the specific policy agreement, which will be provided separately upon purchase.
2.2 Accuracy of Information: You agree to provide accurate, complete, and up-to-date information when requesting a quote, applying for a policy, or communicating with us. We are not responsible for delays, errors, or policy cancellations due to inaccurate information provided by you.
2.3 No Guarantee of Coverage: Submitting an application or inquiry does not guarantee that you will be approved for a life insurance policy. Coverage is subject to underwriting approval and may depend on factors such as your health, age, and other eligibility criteria.

3. SMS Communications

3.1 Opt-In: By checking the opt-in box on our contact page (https://www.axtonfinancial.com/contact-us), you agree to receive SMS notifications from Axton Financial about your purchases or relationship with us, such as policy updates, premium payment reminders, and renewal confirmations.
3.2 Message Frequency: Message frequency varies depending on your policy activity.
3.3 Costs: Message and data rates may apply, as disclosed on the opt-in page.
3.4 Opt-Out: To stop receiving SMS messages, text STOP or CANCEL to the number from which you received the message. For assistance, text HELP.
3.5 Compliance: Our SMS program complies with Canada’s Anti-Spam Legislation (CASL). We do not share your mobile opt-in information with third parties.

4. Intellectual Property

4.1 Ownership: All content on the Website, including text, logos, graphics, and images, is the property of Axton Financial or its licensors and is protected by Canadian and international copyright laws.
4.2 Limited License: You are granted a limited, non-exclusive, non-transferable license to access and use the Website for personal purposes. You may not copy, modify, distribute, or reproduce any content without our prior written consent.

5. Privacy

5.1 Data Collection: Your use of the Website is also governed by our Privacy Policy, available at https://www.axtonfinancial.com/privacy-policy. The Privacy Policy explains how we collect, use, and protect your personal information.
5.2 PIPEDA Compliance: We comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) regarding the collection, use, and disclosure of your personal information.

6. Disclaimers

6.1 No Warranty: The Website and its content are provided on an "as-is" and "as-available" basis. We make no warranties, express or implied, regarding the accuracy, reliability, or availability of the Website.
6.2 Financial Advice: Information on the Website is for general informational purposes only and does not constitute financial, legal, or professional advice. Consult a licensed financial advisor or insurance professional before making decisions about life insurance.
6.3 Third-Party Links: The Website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of these websites.

7. Limitation of Liability

7.1 To the fullest extent permitted by law, Axton Financial, its affiliates, and its employees shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Website or any services provided, including but not limited to loss of data, profits, or business opportunities.
7.2 Our total liability for any claim arising from these Terms shall not exceed the amount you paid, if any, for accessing our services.

8. Indemnification

You agree to indemnify and hold harmless Axton Financial, its affiliates, and its employees from any claims, damages, or expenses (including legal fees) arising from your use of the Website, violation of these Terms, or infringement of any third-party rights.

9. Termination

We reserve the right to suspend or terminate your access to the Website at our discretion, without notice, if we believe you have violated these Terms or engaged in unlawful activity.

10. Governing Law

These Terms are governed by the laws of the Province of Ontario, Canada, and the federal laws of Canada applicable therein, without regard to conflict of law principles. Any disputes arising from these Terms shall be resolved in the courts of Ontario.

11. Changes to These Terms

We may update these Terms from time to time. The updated Terms will be posted on this page with a revised "Last Updated" date. Your continued use of the Website after such changes constitutes your acceptance of the updated Terms.

12. Contact Us

If you have any questions about these Terms, please contact us at:
Email: support@axtonfinancial.com