Terms and Conditions

Last Updated: September 2026

Welcome to the website of H. Moradian Insurance Solutions. By accessing or using this website, you agree to these Terms & Conditions. If you do not agree with these terms, please discontinue use of the website.

1. General Information

The information provided on this website is for general informational and educational purposes only.

Content relating to Life Insurance, Disability Insurance, Critical Illness Insurance, Cancer Insurance, Hospitalization coverage, Living Benefits, or other insurance solutions is intended to provide a general overview and should not be considered a complete description of any insurance policy or contract.

2. No Guarantee of Coverage

Information provided on this website does not constitute an offer, guarantee, or approval of insurance coverage.

Insurance availability, eligibility, premiums, benefits, exclusions, limitations, waiting periods, definitions, and other terms vary by product, insurer, and individual circumstances.

All insurance coverage is subject to the terms and conditions of the applicable policy and approval by the insurance provider where required.

3. Insurance Applications

Submitting a form, requesting a quote, booking a consultation, or communicating with H. Moradian Insurance Solutions does not create insurance coverage or guarantee that an insurance application will be approved.

Coverage becomes effective only in accordance with the terms, conditions, and effective date established by the applicable insurance provider.

Do not cancel or replace existing insurance coverage until you have received appropriate confirmation regarding any new coverage and understand the implications of making such a change.

4. Accuracy of Information

We make reasonable efforts to provide accurate and current information. However, insurance products, eligibility requirements, benefits, pricing, regulations, and other information may change.

We do not warrant that all information on this website will always be complete, accurate, or current.

For information specific to your circumstances, please contact us directly and review the applicable insurer documentation and policy contract.

5. No Personalized Advice Through Website Content

General information presented on this website should not be treated as personalized financial, legal, tax, medical, or other professional advice.

Insurance recommendations, where applicable, should be based on an assessment of your individual circumstances, needs, priorities, and available insurance options.

For legal, tax, medical, or other specialized advice, you should consult an appropriately qualified professional.

6. Your Responsibility

You are responsible for providing accurate and complete information when requesting insurance information, completing forms, booking consultations, or applying for insurance.

Providing incomplete or inaccurate information may affect the assessment, underwriting, issuance, or validity of insurance coverage.

7. Website Forms and Communications

Information submitted through this website may be used to respond to your inquiry, provide requested information, schedule consultations, and communicate with you regarding insurance products or services.

The collection and handling of personal information are governed by our Privacy Policy.

Submitting an online form does not create an advisor-client relationship, insurance contract, or guarantee of coverage.

8. Electronic Communications

When you provide your contact information and request that we contact you, we may communicate with you by telephone, email, text message, or other communication methods appropriate to your request and consent.

Where marketing communications are sent, applicable consent and unsubscribe requirements will apply.

9. Third-Party Services and Links

This website may contain links to websites, applications, booking systems, insurance providers, social media platforms, or other third-party services.

These third parties operate independently, and H. Moradian Insurance Solutions is not responsible for their content, availability, security, terms, or privacy practices.

You should review the applicable terms and privacy policies before using third-party services.

10. Intellectual Property

Unless otherwise stated, the text, branding, graphics, design elements, and original content on this website are owned by or used with permission by H. Moradian Insurance Solutions.

Website content may not be reproduced, distributed, modified, or used for commercial purposes without prior permission, except where permitted by law.

11. Limitation of Liability

To the extent permitted by applicable law, H. Moradian Insurance Solutions will not be responsible for losses or damages arising solely from reliance on general website information, temporary website unavailability, technical errors, or third-party websites and services.

Nothing in these Terms & Conditions is intended to exclude or limit any rights or obligations that cannot legally be excluded or limited.

12. Privacy

Your use of this website is also subject to our Privacy Policy, which explains how personal information may be collected, used, disclosed, and protected.

Please review the Privacy Policy before submitting personal information through this website.

13. Changes to These Terms

We may update these Terms & Conditions from time to time to reflect changes to our website, services, business practices, or applicable requirements.

The latest version will be posted on this page with an updated “Last Updated” date.

14. Governing Law

These Terms & Conditions are governed by the applicable laws of British Columbia and Canada, without regard to conflict-of-law principles.

15. Contact Information

If you have questions regarding these Terms & Conditions, please contact:

Homeira Moradian
266 – 1488 Main Street
North Vancouver, BC, Canada

Phone: 236-888-6373
Email: [email protected]