At Optimal Financial Centre Inc., we place great importance on the confidentiality and security of any personal, financial, or other information that you have entrusted to us from our clients. Protecting your privacy is a priority for us as it is fundamental to maintaining the foundation of trust on which our relationship is built on.
Optimal Financial Centre Inc, hereafter referred to as "Optimal" or as "Optimal Financial", encourages you to visit our Websites to learn more about its products and services. By accessing our Website, you are confirming that you consent to the terms of use outlined on this page. The terms of use described on our Website may be modified at any time without prior notice. For this reason, we ask that you read this legal notice periodically. The obligations and terms outlined below serve to protect your interests as well as those of Optimal.
The Insurance quotes being provided by Optimal are based on the information you, the user, provide to a broker. All quotes are subject to verification by our insurance suppliers. In the event that there are any discrepancies between the quotes being provided by Optimal and the quotes established by our insurance suppliers based on the same information, the quotes established by our insurance suppliers shall govern. The benefits and services provided through Optimal website system are subject to the terms, conditions and limitations of the applicable agreement(s) governing them. Although the contents of this Website are deemed reliable when posted, Optimal cannot guarantee this information to be current, accurate or complete. The information is subject to modification and updating from time-to-time without notice. The information on this Website is not intended to provide professional advice including, without limitation, financial, legal, accounting or tax advice, and should not be relied upon in this regard.
Any representations of a financial nature contained on this site, including rates of return for insurance products, interest rates, and unit values, reflect the conditions prevailing on the date on which they were incorporated into this site. Although this information is updated regularly, it is impossible to guarantee that information of a financial nature will always be accurate, complete and up to date at the time you visit this site. We encourage you to contact us or to contact one of our representatives for further information regarding rates of return, interest rates, or the daily unit values of our products.
Limited Responsibility of Functions and Applications including content of the Website: In compliance with insurance industry standards, we have taken all reasonable measures to ensure the security of its Website. Despite these reasonable efforts, Optimal offers no promise, guarantee, or representation with regard to the functions and applications of its Website. It’s possible for applications and functions to be interrupted or temporarily unavailable or to contain errors or viruses. Optimal is not responsible for any loss or damage caused to your computer system or to any related equipment. By accessing this Website, you release Optimal against any loss, damage, or harm, and you also agree to be responsible for any loss, breach, damages, expense, or harm you may incur as a result. Optimal is not responsible for the payment of any damages, whether direct, indirect, accessory, liquidated, general, punitive, exemplary, consequential, or aggravated, that you or any third party may incur or claim. This indemnification extends to the employees, agents, and representatives of Optimal and to the designers, producers, and publishers of this Website as well as to their employees, agents, and representatives.
This Website may contain links to other Websites that were not created by Optimal, which is therefore not responsible for the accuracy of the content of those Websites.
In spite of the fact that Optimal takes measures to ensure the accuracy of the information on its Website, it is possible that errors may occur or information be omitted. The information on this Website is provided on an "as is" basis. Optimal does not guarantee the accuracy of any information presented on this Website for any purpose and assumes no responsibility in this regard. Optimal is not responsible for the payment of any damages, whether direct, indirect, accessory, liquidated, general, punitive, exemplary, consequential, or aggravated, that you or any third party may incur or demand. This indemnification extends to the employees, agents, brokers, and representatives of Optimal and to the designers, producers, and publishers of this Website as well as to their employees, agents, and representatives.
This site is operated by Optimal Financial Centre Inc. (O/A Optimal Travel O/A Optimal Benefits) is a Federal corporation with a head office in New Brunswick. Optimal Financial Centre Inc. and its staff authorized to offer any financial products holds Life and/or Accident & Sickness insurance agent licenses in the geographic areas served. They work through and only with licensed insurance agents.
Availability of products to selected provinces only. When accessing Optimal's Website, you acknowledge the fact that our insurance products are not available in every province of Canada. Optimal Insurance products are offered and available only in selected provinces of Canada. You therefore indemnify Optimal against any loss, damage, or harm you may incur as a result of the fact that a particular product is not available in your country or province of residence.
When a client accept the offer from a quote, of a specific product from an insurance company, the payment will be automatically be processed by the Insurance Provider.
The insurance laws of the Province of New-Brunswick and the federal corporate laws of Canada applicable therein shall govern as to the interpretation, validity and effect of this Agreement and any use of the Site. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the Province of New-Brunswick in any action or proceeding instituted under or related to this Agreement or your use of the Site. If you or any persons listed on your application for insurance have been previously convicted of insurance fraud, all insurance providers listed on the Optimal Website reserve the right to refuse to issue an insurance contract based on this fact. All products ordered will be provided by a licensed insurance company.
All contents of this Website are the copyright of Optimal Financial Centre Inc. and are protected under the copyright laws of Canada. Any infringement of those rights will result in appropriate legal action In addition, certain information on this Website may be copyrighted by others. All information, data, text, graphics, images, software, code, metadata, links, audio, and video files, all online tools, and all other materials forming part of the website (collectively, the “Content”) are the property of Optimal Financial Centre Inc. unless otherwise noted.
It is strictly forbidden to use any text, images, photographs or video or audio material from this Website other than for the purposes outlined in this document. Any unauthorized use could infringe upon copyright or rights related to the respect of privacy and advertising. However, it is permitted to download items from this Website strictly for your personal use on the condition that you respect Optimal's copyright.
The information on this website does not constitute your official policy documents. All information on this website is provided for reference only. Policy wording, definitions, translations, product details, coverage limits, and plan details are subject to change at any time, without notice prior to a purchase and delivery of the policy from the insurance company offering the product. The information on this site does not constitute a solicitation. The contract will be governed by the laws of the province of New Brunswick, Canada in all respects including matters of construction, validity, and performance. All purchase coverage contract will be provided by a licensed insurance company in Canada.All Financial Products are offered through an affiliated partners of Optimal Financial Centre. Optimal does not underwrite products, process or pay claims on these products. We represent products of partners and we distribute their products.
The purchase of a policy confirms acceptance of the policy wording, terms, conditions, limits, and exclusions set out therein. Optimal Financial Centre and its insurance providers and affiliates are not responsible for differences between the information found on this site and the actual coverage provided.
The information about the available insurance products and services described on this Website is neither detailed nor exhaustive, and no representation made on this site should be interpreted as any type of offer, whether express or implicit. For further information about our products, we invite you to contact us at 1-888-410-0420 or info@optimalcentre.ca
Your trust is extremely important to us. We also feel that protecting your privacy and personal information is an integral part of fostering and maintaining this relationship of trust between Optimal Financial Centre and our clients. Protecting your privacy and personal information is consequently something that we take to heart. The collection, use, and disclosure of your personal information are essential to our activities. Our compliance with insurance industry standards and our commitment to protecting your personal information allow you to conduct business with us with total peace of mind. Upon your written request, we will provide you with reasonable access to your personal information and a description of its use or disclosure, as required or permitted by law. You may also verify the accuracy and completeness of your information, and request that it be amended, if appropriate. We are committed to handling the personal information under our control with care. We have designated individuals who are responsible for monitoring our ongoing compliance with the Privacy Principles.
Information provided by you through our Site is used for Optimal Financial Centre business purposes only in order to service your needs as a customer. Our Privacy Policy; click here
By providing Optimal Financial Centre your email address, you agree to receive periodic product announcements, specials, early bird specials and account notifications from us. Cancel these communications at any time by clicking the unsubscribe link in the footer of the actual email.
This policy is manifested in our practices, which govern our methods for handling personal information with respect to its collection, usage, transmission, and storage. We invite you to review our policy and practices with respect to confidentiality and privacy.
Personal information refers to information that identifies you and pertains to you directly. We only collect information about you that is required to provide you with your request. The kind of information that we need depends on the nature of the product or service concerned, whether a travel insurance, a traditional life insurance product or service. The personal information we request typically includes: Basic information such as your name, address, telephone and fax number, e-mail address, or date of birth. We may also ask for additional information to help us provide you with pertinent advice and information on other products and services of possible interest to you.
When you access our Websites, we may collect data that will allow us to determine which Web pages you have visited, the date, and duration of your visit, from which city you have accessed our website, and other similar information. Such information, including your IP address, is collected and used to improve our Website’s performance and functionality. We collect this information through the use of cookies. A cookie is a small piece of information that a Website sends to your computer, where it is stored. During your second visit, we may use the cookie information stored on your electronic device to make your navigation easier. A cookie does not tell us your identity unless you have chosen to provide it. Cookies cannot access other information or files from your computer.
The permanent cookie we use is a file that remains on your electronic device when you close your Internet browser. A permanent cookie can be read only by the Website that created the cookie when you revisit that site. Permanent cookies have expiry dates and are automatically deleted from your electronic device after their expiry date. You can also clear your stored cookies via your browser preferences. However, unless you have settings that disallow cookies, the next time you visit our Website, a new cookie will be created. You can set your Website browser to notify you when you receive a cookie, allowing you to either accept it or reject it. You need to activate this function in your electronic device preferences. Please note, however, that rejecting cookies while visiting a Website may result in certain parts of the Website not functioning correctly or as efficiently as if cookies were allowed. We may share the site visit information obtained using cookies and other similar technologies with Google Analytics or other agents to analyze, on our behalf, the Website activity to constantly improve the information and tools we have set up on our website for our clients and for the public in general.
Optimal Financial Centre uses the latest technologies and reviews regularly its security standards to ensure that your personal information is protected against unauthorized access, consultation, or use. We exercise all due diligence to ensure that all our employees, representatives, agents, and service providers comply with our policies and practices with respect to the protection of personal information. Optimal Financial Centre Inc.’s privacy assurance is our commitment to you that we take every reasonable precaution to protect your personal information. Through encryption, the certificate assures that information is kept private between our web server and our clients' web browsers.
If you have any questions or wish to withdraw your consent to
the collection, use, or disclosure of your personal information, please contact
Optimal Financial Centre’s Compliance Officer at the following address:
Att: Compliance Officer
Optimal Financial Centre Inc. 425 Notre-Dame St., Dieppe NB E1A 9G4
Tel. 888-410-0420 or email: compliance@optimalcentre.ca
We are proud members of Advocis (The Financial Advisors Association of Canada), IFB (Independent Financial Brokers), the Institute for Advanced Financial Education and the FPSC (Financial Planners Standards Council)
As a condition of membership in Advocis, all members agree to abide by the Advocis Code of Professional Conduct (CPC).
An Advocis Member shall act in a client's best interests
An Advocis Member shall act with integrity
An Advocis Member shall act competently
An Advocis Member shall act diligently
An Advocis Member shall act transparently
An Advocis Member shall act in a manner that reflects positively upon all other Advocis Members
An Advocis Member shall respect and protect the privacy of others and the confidentiality of client information
An Advocis Member shall act in accordance with the spirit and principles of the law
Although rare, sometimes clients feel unfairly treated by Optimal Financial Centre Inc. or its representatives, or dissatisfied due to a misunderstanding. Should this ever happen to you, please do not hesitate to express your concerns to us.
Complaints lodged by our clients are important to us, and we are committed to responding to them promptly and in a most courteous manner. All complaints and personal information collected in their regard, whether orally or in writing, will be handled diligently and professionally.
Let us know. Our company's employees and representatives are equipped to resolve almost any problem you may have, so please bring your concerns to the attention of your representative or a front-line employee, who will most likely be able to resolve the issue. If in doubt, simply contact our Client Service department which will direct you to the appropriate person.
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