Terms and Conditions

Terms and Conditions

Please read these terms and conditions of use carefully before using or obtaining any materials, information, or services through this site. citistar financial (“we” or “us”) provides access to and use of this site (“website”) subject to your acceptance of these terms and conditions (“terms”). by accessing, using, or obtaining any data, materials, information, products, services, or other content (collectively, “content”) through this website, you acknowledge that you have read and understand these terms and agree to abide by them. if you do not accept or understand all of these terms, do not access or use this website and cease your current access.


Citistar financial ‘s subsidiaries are licensed as insurance brokers or agents in various canadian provinces. this website is not intended as a solicitation for insurance in any province where citistar financial or its subsidiaries are not licensed.


CITISTAR FINANCIAL and its content providers (“Providers”) own and have copyrights on this Website and all of the Content, which is protected by Canadian and International copyright laws and treaties. The information, materials and other content may not be modified, copied, reproduced, republished, uploaded, downloaded, posted, transmitted, publicly displayed, used to create a derivative work, sold, or otherwise used for public or commercial purposes, in whole or in part, without the express prior written consent of CITISTAR FINANCIAL.

Trademarks, logos, and service marks displayed on this Website (“Marks”) are the registered or common law Marks of CITISTAR FINANCIAL or its Providers. Your use of and access to this Website does not grant you any license or right to use any of the Marks. You may not use any technological means such as robots, spiders, or other devices to monitor materials available through this Website.


You may not use this Website for any false or fraudulent purpose. You are also forbidden from using this Website to post or transmit any unlawful, threatening, libelous, defamatory, obscene, indecent, inflammatory, pornographic or profane material, or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. You may not use any device, software, or routine that interferes or attempts to interfere with the normal operation of this Website or take any action that imposes an unreasonable load on CITISTAR FINANCIAL’s computer equipment.

You may not use this Website for any commercial, financial or other similar purpose without the express prior written consent of CITISTAR FINANCIAL.

Finally, you may not use this Website for any purpose that is unlawful or otherwise prohibited by these Terms.

citistar financial reserves the right, at any time and without advance notice or liability, to terminate your access to this Website or any component therein


Your use of this Website is subject to our Privacy Policy. Your acceptance of these Terms indicates your consent to the Privacy Policy as well.

Co-branded areas

In order to provide a greater breadth of services, certain functions provided on this Website are outsourced to third parties. Specifically, CITISTAR FINANCIAL has contracted with a third party to help improve our technical services and operations as well as provide additional business services to our visitors. Certain pages in this Website, therefore, are operated and controlled by a third party (“Co-Branded Areas”). These Co-Branded Areas continue to display CITISTAR FINANCIAL’s trademarked logo at the top of the page but are nonetheless operated and managed by a third party. These Terms, in conjunction with any further terms and conditions posted in the Co-Branded Areas, govern your access and use of those areas. In all other respects, access to the Co-Branded Areas is at your own risk.

Links. This Website may contain links to other sites on the World Wide Web, other than the Co-Branded Areas. When you access a link that takes you to an unaffiliated website, a “pop-up” screen will appear indicating that you are leaving this Website.

Links to outside sites do not constitute or imply endorsement by CITISTAR FINANCIAL of the linked site or any material contained within, and we are not responsible or liable for the information contained, or any products or services offered, on such other sites. Access to these sites is at your own risk.

disclaimer of warranties

Citistar financial and its providers make no warranty of any kind regarding this website and/or the content. this website and content are provided “as-is”. citistar financial expressly disclaims any representation or warranty that this website will be error-free, secure, or uninterrupted. citistar financial further disclaims any warranty as to the accuracy, adequacy, completeness or timeliness of any of the content on this website, and further expressly disclaims liability resulting from or arising out of any errors or omissions contained in the information or materials accessed on or through this website. citistar financial and its providers expressly disclaim all warranties and conditions, including implied warranties and conditions of merchantability, fitness for a particular purpose, title, non-infringement, freedom from computer virus and those arising by statute or otherwise in law or from a course of dealing or usage of trade. some jurisdictions do not allow the disclaimer of implied warranties, so this warranty disclaimer may not apply in whole or in part to you

limitation of liability

Citistar financial and its providers will not be responsible or liable for (a) any damages to or viruses that may infect your computer equipment or other property as the result of your access to, use of or browsing in this website or your downloading of any content or (b) any injury, loss, claim, damage, or any special, exemplary, punitive, indirect, incidental or consequential damages of any kind (including without limitation lost profits or lost savings), whether based in contract, tort, strict liability or otherwise, that arises out of or is in any way connected with (i) any use of this website or the content found therein, (ii) any failure or delay (including without limitation the use of or inability to

Use any component of this website to submit applications for insurance products or services), or (iii) the performance or non-performance by us or any provider, even if we have been, or a provider has been advised, of the possibility of damages to such parties or any other party. this disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortious behavior, negligence, or under any other cause of action.


The headings in these Terms are for convenience and reference and shall have no legal effect. Any failure by CITISTAR FINANCIAL to act with respect to you or another person’s breach of these Terms will not constitute a waiver with respect to future or similar breaches. If a court finds any of these Terms to be unenforceable or invalid, such Term(s) deemed unenforceable or invalid will be enforced to the fullest extent permitted by applicable law and the other Terms will remain valid and enforceable. These Terms, together with those items incorporated by reference, constitute the entire agreement between you and CITISTAR FINANCIAL relating to your use of the site and replaces any prior oral or written understandings or agreements.


Citistar financial reserves the right to change these terms from time to time and in its sole discretion. if these terms change, the revised terms will be posted at the “terms and conditions” link on this website’s home page. any material changes to the terms will be brought to your attention when you next visit this website. in addition, the last time these terms were revised is set forth below. if the date displayed is later in time than your last visit, you must re-read these terms. your continued use of this website after the date of the last revision indicates your acceptance of any revisions.

These Terms were last revised on Mar 30, 2022.