Terms & Conditions

A legal disclaimer

Last Updated: July 12, 2025

Welcome to Ruthovia Financial Group (“we,” “us,” or “our”). By accessing or using our website at [www.roviafinancial.com] (the “Site”), you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree with any part of these Terms, you should not use our Site or services.

These Terms govern your access to and use of the Site, as well as the financial advisory and insurance services we provide, including life insurance, mortgage protection, accident and sickness coverage, disability insurance, critical illness coverage, and investment consultation.

1. Use of Our Website

You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of or restrict the use and enjoyment of the Site by others. You must not:

Use the Site for any illegal or unauthorized purpose
Attempt to hack, disrupt, or interfere with the Site or its security
Use the Site to send spam or unsolicited marketing content

2. Description of Services

Ruthovia Financial Group provides advisory services related to:

Life insurance
Mortgage protection insurance
Accident & sickness insurance
Disability insurance
Critical illness coverage
Investment solutions and financial education
And More

Our role is to help you understand your insurance and investment options and assist you in selecting products that suit your needs. All products are subject to the terms and conditions set by their respective insurers or financial providers.

3. Accuracy of Information

We strive to ensure that all information presented on the Site is accurate and up-to-date. However, we make no guarantees regarding the completeness, accuracy, or reliability of any information or content on the Site. Product details and availability are subject to change by third-party providers.

4. Third-Party Services and Links

Our Site may contain links to third-party websites, platforms, or service providers. These are provided for your convenience. We are not responsible for the content, accuracy, or privacy practices of third-party websites or services.

6. Privacy and Data Use

By using our Site or submitting your information, you agree to our Privacy Policy, which outlines how we collect, use, store, and protect your personal data. This includes any information provided through online forms, quote requests, or consultations.

7. Intellectual Property Rights

All content on this Site — including text, graphics, logos, and branding — is the intellectual property of Ruthovia Financial Group or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or reuse any content without our express written permission.

8. No Warranty

This Site and its content are provided “as is” and “as available,” without any warranties of any kind, either express or implied. We do not warrant that the Site will be error-free or uninterrupted, or that it will meet your expectations or deliver specific results.

9. Limitation of Liability

To the maximum extent permitted by law, Ruthovia Financial Group shall not be liable for any direct, indirect, incidental, or consequential damages arising out of or in connection with your use of the Site or our services, even if we have been advised of the possibility of such damages.

10. Indemnification

You agree to indemnify and hold harmless Ruthovia Financial Group, its employees, contractors, and affiliates from any claims, liabilities, damages, losses, or expenses (including legal fees) arising out of your use of the Site or your violation of these Terms.

11. Modifications to Terms

We may update these Terms from time to time to reflect changes in our services, legal requirements, or business practices. All updates will be posted on this page with the revised effective date. Your continued use of the Site constitutes your acceptance of the updated Terms.

12. Governing Law

These Terms 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 conflicts of law.

13. Contact Us

If you have any questions or concerns about these Terms, please contact us:

Ruthovia Financial Group
📧 Email: info@roviafinancial.com
🌐 Website: [www.roviafinancial.com]