Terms of Use

By accessing this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, please do not use our website or services.

Utmost Financial Inc. provides mortgage brokerage, insurance, and investment services. Our services include:

• Mortgage brokerage services through Dominion Lending Centres Utmost Financial
• Life, critical illness, disability, and travel insurance products
• Investment solutions including RRSPs, TFSAs, RESPs, and segregated funds
• Financial planning and consultation services

Use of Website

You agree to use this website only for lawful purposes and in accordance with these Terms. You agree NOT to:

• Use the website in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to any part of the website
• Use any automated system to access the website
• Transmit any viruses, malware, or harmful code
• Collect or harvest personal information from other users

The information on this website is for general informational purposes only and does not constitute financial, legal, or professional advice. While we strive to keep information accurate and up-to-date:

• Insurance quotes and mortgage rates shown are estimates only
• Actual rates and premiums depend on individual circumstances and underwriting
• Past performance of investments does not guarantee future results
• Always consult with a licensed professional before making financial decisions

To the fullest extent permitted by law, Utmost Financial Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

• Your use or inability to use the website
• Any errors or omissions in website content
• Unauthorized access to your personal information
• Any third-party conduct on the website

Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Utmost Financial Inc. or its licensors and is protected by Canadian and international copyright laws. You may not reproduce, distribute, or create derivative works without our written permission.

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the Province of Manitoba and the federal laws of Canada applicable therein. Any disputes shall be subject to the exclusive jurisdiction of the courts of Manitoba.

Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after changes constitutes acceptance of the modified terms.

Contact Us

If you have questions about these Terms of Use, please contact us: