1. Terms of Use
By accessing and using this website, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions. If you do not agree to these terms, please discontinue your access to this website immediately. We reserve the right to modify or update these terms at any time without prior notice.
The content on this website is published by a licensed insurance representative. Licensing and regulatory oversight are governed by provincial authorities, including but not limited to:
Alberta: Alberta Insurance Council (AIC) / Alberta Superintendent of Insurance
Manitoba: Manitoba Financial Services Agency (MFSA) / Insurance Council of Manitoba (ICM)
Ontario: Financial Services Regulatory Authority of Ontario (FSRA)
British Columbia: Insurance Council of British Columbia (ICBC)
2. Collection of Personal Information
When you utilize the services on this website, you may be requested to provide certain personal information. Our policies regarding the collection, use, and protection of your data are strictly governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference.
3. General Disclaimers & Limitation of Liability
Accuracy of Information: While we make every effort to ensure that all information on this website is reliable, accurate, and up to date, we cannot guarantee its absolute completeness. In the event of any discrepancy between the information on this website and official policy documents, the official policy documents will always take precedence.
No Contractual Offer: Nothing on this website constitutes a binding contractual offer unless explicitly stated otherwise.
Third-Party Terms: If there is a conflict between the information provided on this website and the terms and conditions of a third-party product or service provider, the terms of the third-party provider shall govern.
Technical Limitations: We strive to maintain optimal website performance; however, we do not guarantee that this website will operate entirely error-free, uninterrupted, or compatible with all browsers and systems.
No Professional Legal or Tax Advice: The content provided on this website is for informational and educational purposes only. It does not constitute personalized financial, accounting, tax, or legal advice. It should not be used as a substitute for direct consultation with a professional advisor.
No Legal Representation: This website does not provide legal advice. For any complex legal questions or statutory interpretations, please consult a qualified lawyer.
4. Copyright and Intellectual Property
All content on this website is protected by applicable copyright and intellectual property laws. Users are strictly prohibited from reproducing, redistributing, or publishing any portion of this website without prior written consent.
For inquiries regarding the utilization of website materials or licensing requests, please contact us via our official online inquiry form or directly at info@beavernetwork.com. We reserve the right to take appropriate legal action against any unauthorized use of our intellectual property. We assume no liability for any damages arising from the unauthorized use or misinterpretation of the information on this website.
Last Updated: 07/12/2026
Last Updated: 07/12/2026
1. What Are Cookies?
This Cookie Policy explains what cookies are, how we use them, the types of cookies we utilize (i.e., the information we collect using cookies and how that information is used), and how you can manage your cookie preferences.
Cookies are small text files that are used to store small pieces of information. They are stored on your device when the website is loaded on your browser. These cookies help us make the website function properly, enhance its security, provide a better user experience, analyze website performance, and identify areas that require improvement.
2. How Do We Use Cookies?
Like most online services, our website uses first-party and third-party cookies for several purposes.
First-party cookies are mostly necessary for the website to function the right way, and they do not collect any of your personally identifiable data.
Third-party cookies used on our website are mainly for understanding how the website performs, how you interact with our website, keeping our services secure, providing advertisements that are relevant to you, and overall providing you with a better and improved user experience to help speed up your future interactions with our website.
3. Types of Cookies We Use
To provide full transparency, the cookies used on our website are categorized as follows:
Essential (Necessary): These cookies are crucial for the basic functionalities of the site, ensuring secure log-ins, page navigation, and core system stabilities. The website cannot function properly without these cookies.
Functional: These cookies allow our website to remember choices you make (such as your language preferences or regional settings) to provide a more personalized and seamless experience.
Analytics & Performance: We utilize these cookies to gather aggregated, anonymous data regarding our website traffic, user behavior, and popular pages. This data helps us optimize our website design and improve functionality for our clients.
Marketing & Targeting: These cookies track your online activity to help deliver relevant advertisements and marketing campaigns that match your interests. They also help limit the number of times you see an advertisement and measure the effectiveness of our campaigns.
4. How Can I Control or Manage Cookie Preferences?
You have the right to decide whether to accept or reject cookies. You can manage and adjust your cookie preferences at any time through the following methods:
Your Browser Settings: Most web browsers allow you to change your settings to block or delete cookies. To learn more about how to manage, filter, and delete cookies through your specific browser, please visit the official support documentation for Chrome, Safari, Firefox, or Edge.
Cookie Banner: When you first visit our website, you can select your preferences on our cookie consent banner. Please note that disabling certain cookies may impact the overall functionality and performance of some sections of our website.
For any further inquiries regarding our Cookie Policy or how we handle your data, please contact us directly at info@beavernetwork.com.