Terms and Conditions
Last Updated: August 3, 2026
Welcome to LifeOne Financial Services (“Company,” “we,” “us,” or “our”). LifeOne Financial Services is an independent sub-brand operating under Experior Financial Group.
By accessing or using our website, landing pages, digital forms, social media campaigns, or financial tools (collectively, the “Services”), you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree with any part of these Terms, you must not use our website or submit your information through our advertising campaigns.
1. General Overview & Financial Disclaimers
Informational & Educational Purpose Only: Content provided on this website and in our social media advertisements (across Meta, TikTok, LinkedIn, YouTube, or Google)—including text, graphics, videos, calculators, and promotional offers—is for general educational and informational purposes only.
No Direct Financial, Legal, or Tax Advice: Nothing on this website or in our ad materials constitutes direct financial, investment, legal, tax, or accounting advice. You must consult with a licensed financial representative before making any financial decisions.
No Guarantees or Earnings Disclaimers: Any illustrations, historical performance examples, projections, or financial savings claims presented on this site or in our ad materials are hypothetical and do not guarantee future results or specific financial outcomes.
2. Affiliation with Experior Financial Group & Licensing
LifeOne Financial Services operates as a sub-brand within the network of Experior Financial Group.
Product Delivery: Financial products, insurance policies, and investment solutions requested through our advertising campaigns or website are brokered, underwritten, or administered by licensed insurance carriers and financial institutions through independent advisors associated with Experior Financial Group.
Regulatory Compliance: All advisory services, licensing, and compliance standards strictly adhere to the governing rules of local financial regulatory authorities and Experior Financial Group’s corporate standards.
3. Advertising Platform Disclaimer (Meta, TikTok, LinkedIn, YouTube)
This website and our marketing campaigns are independently operated by LifeOne Financial Services / Experior Financial Group.
No Endorsement: Our advertising campaigns and website are not sponsored, endorsed, administered by, or associated with Meta Platforms, Inc. (Facebook/Instagram), TikTok Inc. / ByteDance Ltd., LinkedIn Corporation, or Google LLC / YouTube LLC.
Trademarks: “Facebook”, “Instagram”, “TikTok”, “LinkedIn”, “Google”, and “YouTube” are registered trademarks of their respective owner companies.
4. Lead Submission & Telecommunications Consent
By filling out an inquiry form, booking a consultation, or submitting your contact details through a lead ad form on Meta, TikTok, LinkedIn, YouTube, or Google, you expressly agree to the following:
Authorization to Contact: You authorize LifeOne Financial Services, Experior Financial Group, and their licensed financial representatives to contact you via phone, email, or automated text messages (SMS/MMS) using the contact details provided to answer inquiries, provide financial quotes, or offer financial advice.
No Purchase Requirement: Consent to receive communications is not a condition of purchasing any financial product or service.
Opt-Out Rights: You may revoke consent at any time. To opt out of SMS communications, reply STOP to any text message. To opt out of email communications, click the Unsubscribe link at the bottom of our emails.
5. User Obligations & Age Restrictions
By using this website or submitting information through our digital ads on any platform, you represent that:
You are at least 18 years of age (or the age of legal majority in your jurisdiction).
The information provided by you is accurate, complete, and current.
You will not use our platform, ad forms, or services for any fraudulent, unlawful, or unauthorized purpose.
6. Intellectual Property Rights
All original content, video materials, ad creatives, graphics, logos, brand marks, and web code are the property of LifeOne Financial Services, Experior Financial Group, or their licensors and are protected under applicable copyright and trademark laws. You may not reproduce, distribute, or modify any material without prior written authorization.
7. Third-Party Links & Tools
Our website or ad landing pages may contain links to external third-party websites, software tools, or calculators. We do not control and are not responsible for the content, privacy practices, accuracy, or reliability of any third-party resources.
8. Limitation of Liability
To the fullest extent permitted by applicable law, LifeOne Financial Services, Experior Financial Group, and their officers, directors, employees, and independent advisors shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or related to:
Your access to, or use of (or inability to access or use), our website or ad landing pages.
Decisions, actions, or financial outcomes based on information presented on this site or in our ad materials across Meta, TikTok, LinkedIn, or YouTube.
Errors, technical interruptions, or security breaches affecting our digital channels.
9. Indemnification
You agree to defend, indemnify, and hold harmless LifeOne Financial Services and Experior Financial Group from and against any claims, damages, losses, costs, or legal fees resulting from your breach of these Terms or misuse of our services or forms.
10. Governing Law
These Terms are governed by and construed in accordance with the laws of [Insert State/Province and Country, e.g., Ontario, Canada], without giving effect to conflict-of-law principles.
11. Contact Information
If you have questions regarding these Terms and Conditions, please contact:
Brand Name: LifeOne Financial Services
Parent Organization: Experior Financial Group
LifeOne Financial Services
p. 1-604-721-0065
a. 219-7928 128 St, Surrey, BC V3W 4E8