Terms of Use

Griffin Financial
PO Box 5, Burin, NL A0E 1E0
Last updated: 1 September 2026

These terms govern use of griffinfinancial.ca (the site). They sit beside our Privacy Policy and Disclaimer. If you do not agree, do not use the site.

The practice

The site is operated by Griffin Financial, a Newfoundland and Labrador financial security practice at PO Box 5, Burin, NL A0E 1E0. Phone (709) 325-0262. Email bob@griffinfinancial.ca. Advisors here are licensed in this province. We represent Canada Life and other insurers. We offer information and appointment booking related to life insurance, group health and retirement benefits, corporate coverage, and insurance-based investments. We do not sell products through a checkout on this site. Nothing on the site is an insurance contract or a solicitation that overrides provincial licensing rules.

You must be 18 or older, and a resident of Newfoundland and Labrador, to request a meeting or submit personal information for an advisory conversation. We do not accept clients from other Canadian provinces or from the United States. A booking from outside Newfoundland and Labrador will be declined.

Acceptable use

You may view the site for your own information, book a checkup if you are a prospective or existing client, and contact us. You may not:

  • scrape, harvest, or bulk-copy the site
  • attempt to break into the CMS, booking tool, or anyone else's file
  • upload malware or unlawful content
  • impersonate a client, insurer, or regulator
  • use our name, griffin logo, or copy in a way that suggests we endorse you

We may refuse or cancel a booking, and we may block access, if we believe these terms are being broken or if we cannot serve the request (for example a product we are not licensed to offer).

Appointments

Bookings run through TidyCal. The public offer on the site is a 30-minute business-owner checkup covering the company, group benefits, and the personal file. Existing clients and new owners book that same half hour. Meeting length, buffer time, and available hours are controlled in TidyCal. A confirmed slot is a calendar hold. It is not a paid engagement and it does not place a policy.

If you need to cancel, use the link in your confirmation or email us. We may record that a meeting was booked, held, or missed, as part of running the practice.

Intellectual property

Site copy, layout, and the griffin logo belong to Griffin Financial or our licensors. You may not copy them for a competing site or a product pitch without our written consent. Insurer names and logos are those companies' property. Canadian copyright law applies. We do not rely on United States "fair use" on this site.

Privacy, cookies, and messages

Personal information is handled under our Privacy Policy, PIPEDA, and CASL. The cookie banner is how you accept or decline non-essential cookies, including Google advertising cookies. Commercial electronic messages require CASL consent and include an unsubscribe.

No warranty on the site itself

We work to keep the site accurate and available. It is provided as is. We do not warrant that it is error-free, uninterrupted, or free of harmful code originating outside our control (for example a third-party embed). Product information can change; the contract and the insurer's illustration govern.

Liability

To the extent the law of Newfoundland and Labrador allows, Griffin Financial's liability for use of the website (as opposed to advice on a client file) is limited to $100 CAD, or the amount you paid us through the site, which is none. We do not exclude liability that the law does not let us exclude.

Governing law

These terms are governed by the laws of the Province of Newfoundland and Labrador and the federal laws of Canada applicable there. Courts of Newfoundland and Labrador have exclusive jurisdiction, except that a regulator or ombudservice with authority over an insurance complaint may still hear that complaint.

Changes

We may update these terms by posting a new version on this page. The date at the top will change. Continued use after that date is acceptance of the new terms. If you do not agree, stop using the site.

Questions: bob@griffinfinancial.ca.

Terms and Conditions

Last updated: March 6th, 2025

Please read these terms and conditions carefully before using Our Service.

Interpretation and Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of these Terms and Conditions:

  • Affiliate means an entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.

  • Country refers to: Newfoundland and Labrador, Canada

  • Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to Griffin Financial, PO Box 5 Station C, St. John’s, Newfoundland, Canada, A1C 5H5.

  • Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.

  • Service refers to the Website.

  • Terms and Conditions (also referred as "Terms") mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service.

  • Third-party Social Media Service means any services or content (including data, information, products or services) provided by a third-party that may be displayed, included or made available by the Service.

  • Website refers to Griffin Financial, accessible from http://www.griffinfinancial.ca

  • You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Acknowledgment

These are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service.

Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use the Service.

By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree with any part of these Terms and Conditions then You may not access the Service.

You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.

Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your personal information when You use the Application or the Website and tells You about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before using Our Service.

Intellectual Property

The Service and its original content (excluding Content provided by You or other users), features and functionality are and will remain the exclusive property of the Company and its licensors.

The Service is protected by copyright, trademark, and other laws of both the Country and foreign countries.

Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of the Company.

Links to Other Websites

Our Service may contain links to third-party web sites or services that are not owned or controlled by the Company.

The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such web sites or services.

We strongly advise You to read the terms and conditions and privacy policies of any third-party web sites or services that You visit.

Termination

We may terminate or suspend Your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms and Conditions.

Upon termination, Your right to use the Service will cease immediately.

Limitation of Liability

Notwithstanding any damages that You might incur, the entire liability of the Company and any of its suppliers under any provision of this Terms and Your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by You through the Service or 100 CAD if You haven't purchased anything through the Service.

To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, third-party software and/or third-party hardware used with the Service, or otherwise in connection with any provision of this Terms), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.

Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each party's liability will be limited to the greatest extent permitted by law.

Disputes Resolution

If You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company.

Severability and Waiver

Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

Waiver

Except as provided herein, the failure to exercise a right or to require performance of an obligation under this Terms shall not effect a party's ability to exercise such right or require such performance at any time thereafter nor shall be the waiver of a breach constitute a waiver of any subsequent breach.

Translation Interpretation

These Terms and Conditions may have been translated if We have made them available to You on our Service. You agree that the original English text shall prevail in the case of a dispute.

Changes to These Terms and Conditions

We reserve the right, at Our sole discretion, to modify or replace these Terms at any time. If a revision is material We will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at Our sole discretion.

By continuing to access or use Our Service after those revisions become effective, You agree to be bound by the revised terms. If You do not agree to the new terms, in whole or in part, please stop using the website and the Service.

Contact Us

If you have any questions about these Terms and Conditions, You can contact us:

  • By email: bob@griffinfinancial.ca