TERMS OF USEATLAS FINANCIAL PROTECTION GROUP
Effective Date: June 1, 2026Last Updated: June 1, 2026
These Terms of Use govern access to and use of the website operated under the name Atlas Financial Protection Group (“Atlas,” “we,” “us,” or “our”), including atlasfpg.com and any related webpage, landing page, booking page, contact form, recruiting page, embedded form, educational content, downloadable material, digital tool, calculator, communication channel, or website function made available by Atlas (collectively, the “Website”).
By accessing, viewing, browsing, submitting information through, or otherwise using the Website, the user acknowledges these Terms of Use. If the user does not agree with these Terms of Use, the user should not use the Website.
These Terms of Use are intended to apply together with Atlas’s Privacy Policy, Cookie Notice, Licensing & Disclosure page, and any additional engagement agreement, consent, authorization, disclosure, agency document, insurer document, professional engagement document, or transaction-specific document that may apply to a particular matter.
1. DEFINITIONS
For purposes of these Terms of Use:
“Atlas” means Atlas Financial Protection Group and any related operating name, website, landing page, platform, representative, advisor, administrative process, or service channel used in connection with the Atlas financial protection advisory platform.
“Website” means atlasfpg.com and any related page, form, booking function, recruiting page, educational material, digital content, embedded tool, or online communication channel controlled or used by Atlas.
“User” means any person who accesses, views, uses, submits information through, communicates through, or interacts with the Website.
“Financial Protection Review” means a structured review process that may consider protection-related factors such as income continuity, family obligations, debt, mortgage exposure, business-owner exposure, existing insurance, benefits, coverage gaps, financial exposure, and professional coordination needs.
“Professional Coordination” means identification, referral, communication, coordination, or routing of matters to appropriately qualified professionals where tax, legal, accounting, estate, securities, mortgage, corporate, financial planning, or other regulated or specialized professional input is required.
“Content” means all text, graphics, layouts, visuals, icons, names, service descriptions, educational material, website copy, brand elements, forms, documents, charts, tables, illustrations, calculators, images, downloads, and other information made available through the Website.
2. ACCEPTANCE OF TERMS
Use of the Website constitutes acknowledgement of these Terms of Use. These Terms of Use apply whether the User accesses the Website directly, through a search engine, advertisement, social media link, referral link, email link, QR code, third-party platform, or other source.
Atlas may update, amend, replace, or revise these Terms of Use at any time. The updated version will be posted on the Website with a revised “Last Updated” date. Continued use of the Website after updated Terms of Use are posted constitutes acknowledgement of the updated Terms of Use, subject to applicable law.
These Terms of Use do not create any obligation for Atlas to provide services, accept a client, make a recommendation, submit an application, coordinate with a professional, provide insurance, provide financial planning, provide legal or tax services, or enter into any professional, advisory, agency, insurer, client, or contractual relationship.
3. INFORMATIONAL PURPOSE ONLY
The Website is provided for general informational, educational, and introductory purposes only.
Website Content is not intended to be, and must not be treated as, individualized financial advice, insurance advice, tax advice, legal advice, accounting advice, estate advice, securities advice, investment advice, mortgage advice, corporate advice, financial planning advice, underwriting advice, or any other regulated or professional advice.
The Website does not replace a client-specific review, professional consultation, insurer application, underwriting assessment, policy review, suitability analysis, financial needs analysis, legal document, tax review, accounting review, investment review, mortgage review, estate review, or any other individualized professional process.
Any decision involving insurance, financial protection, investment, tax, estate, legal, accounting, mortgage, corporate, business, or financial planning matters should be made only after appropriate review of the User’s specific circumstances and, where required, consultation with appropriately licensed or qualified professionals.
4. NO PUBLIC OFFER, SOLICITATION, OR PRODUCT RECOMMENDATION
The Website does not constitute a public offer, general offer, solicitation, invitation, inducement, recommendation, commitment, undertaking, or approval to purchase, sell, replace, surrender, apply for, hold, borrow against, or otherwise transact in any insurance product, investment product, securities product, mortgage product, banking product, tax strategy, legal structure, corporate structure, estate plan, registered account, or other financial or professional service.
Any insurance product, insurance application, quote, illustration, replacement, delivery, policy service, or recommendation is subject to applicable licensing, jurisdiction, agency, insurer, underwriting, suitability, product availability, compliance, disclosure, and documentation requirements.
Any investment, securities, mortgage, legal, tax, accounting, corporate, estate, or broader financial planning matter must be addressed through appropriately licensed or qualified professionals where required.
No product, strategy, or service is suitable for all persons. Any review, recommendation, implementation, or professional coordination depends on the User’s circumstances, objectives, information provided, applicable law, licensing, contracting, product access, jurisdiction, professional input, underwriting, and suitability.
5. NO CLIENT RELATIONSHIP CREATED BY WEBSITE USE
Use of the Website, viewing Content, submitting a form, booking a meeting, sending a message, downloading material, or receiving a response does not by itself create an advisor-client relationship, insurance-client relationship, professional-client relationship, fiduciary relationship, legal relationship, tax advisory relationship, accounting relationship, securities advisory relationship, mortgage advisory relationship, financial planning relationship, agency relationship, insurer-client relationship, or any other special relationship.
A client relationship, insurance process, professional engagement, or other service relationship may arise only if and when Atlas or the applicable advisor, agency, insurer, professional, or provider expressly accepts the matter and the required engagement documents, disclosures, authorizations, consents, applications, professional agreements, or transaction documents are completed where required.
Atlas may decline, limit, defer, refer, route, or discontinue any inquiry, review, service request, professional coordination request, recruiting inquiry, or communication at its discretion, subject to applicable law.
6. FINANCIAL PROTECTION ADVISOR POSITIONING
Atlas uses the term “Financial Protection Advisor” to describe a protection-focused advisory role centered on financial protection review, income-risk exposure, family protection, business-owner protection, existing coverage review, insurance-related planning, education, and coordination of specialized matters where required.
The term “Financial Protection Advisor” is not intended to represent that Atlas, the Website, or any individual associated with Atlas is acting as a lawyer, accountant, tax advisor, securities advisor, portfolio manager, mortgage broker, financial planner, financial advisor, estate lawyer, trust officer, corporate lawyer, or holder of any professional designation not expressly disclosed in writing.
Where a matter requires tax, legal, accounting, securities, mortgage, estate, corporate, financial planning, or other regulated or specialized professional advice, such matter may be referred, routed, reviewed, or coordinated through appropriately licensed or qualified professionals.
7. LICENSING, JURISDICTION, AND REGULATED SERVICES
Insurance-related activities are subject to applicable provincial, territorial, state, federal, agency, insurer, licensing, contracting, product access, underwriting, suitability, compliance, and disclosure requirements.
Where insurance solutions are appropriate, insurance business may be conducted through World Financial Group Insurance Agency of Canada Inc., where applicable, or through another applicable licensed, agency, carrier, or provider channel where permitted.
Atlas does not provide regulated services in any jurisdiction unless such services are provided through appropriately licensed, registered, authorized, contracted, or qualified channels where required.
Access to the Website from a particular province, territory, state, country, or jurisdiction does not mean that Atlas, any advisor, any insurer, any agency, any professional, or any service provider is licensed, registered, authorized, available, or permitted to provide regulated services in that jurisdiction.
Users are responsible for understanding that regulated financial, insurance, legal, tax, accounting, securities, mortgage, corporate, estate, and professional services are jurisdiction-specific and may not be available in all locations.
8. CANADIAN AND UNITED STATES VISITORS
The Website may be accessible from Canada, the United States, and other jurisdictions. The availability of the Website outside a particular licensing jurisdiction does not constitute an offer, solicitation, recommendation, or provision of regulated services in that jurisdiction.
For Canadian Users, insurance-related services are subject to applicable provincial and territorial insurance licensing and regulatory requirements. Certain titles, professional services, financial planning activities, securities activities, mortgage activities, tax services, legal services, accounting services, and estate services may be subject to separate licensing, credentialing, registration, or professional requirements.
For United States Users, Atlas does not offer insurance, securities, investment, tax, legal, mortgage, accounting, financial planning, or other regulated services in any U.S. state unless such service is provided through appropriately licensed, registered, authorized, or qualified channels where required.
No User should treat the Website as a representation that Atlas or any person associated with Atlas is licensed, registered, authorized, or permitted to sell, solicit, negotiate, recommend, or provide any regulated product or service in the User’s jurisdiction unless expressly confirmed in writing through an applicable process.
9. PROFESSIONAL COORDINATION
Atlas may identify circumstances in which a User or client may benefit from review by appropriately qualified professionals, including but not limited to financial planning professionals, accountants, tax professionals, lawyers, estate professionals, securities-licensed professionals, mortgage professionals, corporate specialists, or other qualified professionals.
Professional Coordination does not mean that Atlas directly provides every professional service. Atlas may coordinate information, identify review items, prepare materials, introduce professionals, route matters, or integrate professional input into a broader financial protection process, but each professional remains responsible for services within that professional’s own qualifications, licensing, engagement, scope, and responsibility.
No professional-client relationship with any external professional is created by merely viewing the Website or submitting information through the Website. Any professional engagement is subject to that professional’s own acceptance, engagement terms, fees, scope, conflict checks, licensing, and professional obligations.
10. INSURANCE INFORMATION AND PRODUCT AVAILABILITY
Insurance information on the Website may refer generally to life insurance, accident and sickness insurance, disability insurance, critical illness insurance, health-related protection, business-owner protection, group benefits, existing coverage review, segregated fund contracts, annuity-related products, or other insurance-based concepts.
Such information is general only and does not constitute a product recommendation, policy comparison, replacement recommendation, underwriting approval, premium quote, guarantee of coverage, guarantee of insurability, or confirmation of product availability.
Insurance products, premiums, riders, exclusions, limitations, guarantees, cash values, investment options, underwriting requirements, tax treatment, policy terms, beneficiary rights, ownership structures, replacement rules, and suitability considerations vary by insurer, product, jurisdiction, application, underwriting, and client circumstances.
Any insurance transaction is subject to separate insurer, agency, regulatory, application, underwriting, replacement, delivery, disclosure, financial needs analysis, reason-why, suitability, policy, and compliance documents where required.
11. REGISTERED ACCOUNTS, INVESTMENT EDUCATION, AND FINANCIAL STRUCTURE CONTENT
The Website may include general education concerning registered accounts, savings discipline, compounding, tax-efficient structure, financial exposure, registered account awareness, private-banking access gaps, financial education, investment concepts, insurance-based savings products, segregated fund contracts, or related financial structure topics.
Such Content is educational and introductory only. Registered accounts, investment products, securities, funds, portfolios, asset allocations, tax strategies, and financial planning matters are subject to applicable rules, suitability, licensing, professional review, and jurisdictional requirements.
The Website does not provide securities advice, portfolio management, investment recommendations, tax advice, financial planning advice, or account-opening advice unless such matter is addressed through appropriately licensed, registered, or qualified channels where required.
A registered account is a legal or tax account structure and not a guaranteed-return product. Any investment result depends on investment selection, market performance, risk level, fees, contribution timing, tax rules, suitability, and other factors.
12. ILLUSTRATIONS, EXAMPLES, CALCULATORS, AND PERFORMANCE INFORMATION
The Website may include examples, illustrations, calculators, tables, projections, assumptions, comparisons, scenarios, or educational figures for general illustration purposes.
Any illustration, projection, rate of return, growth assumption, savings example, insurance example, premium example, tax example, estate example, debt example, retirement example, or business-owner example is hypothetical unless expressly stated otherwise.
Illustrations are not guarantees, expected returns, product recommendations, underwriting approvals, investment recommendations, insurance recommendations, tax advice, legal advice, accounting advice, financial planning advice, or promises of future performance.
Actual results may vary materially based on market performance, interest rates, fees, taxation, inflation, product terms, insurer rules, contribution timing, withdrawals, policy charges, underwriting, client circumstances, professional advice, and other variables.
Past performance, historical information, or third-party market data, where referenced, does not guarantee future results.
13. THIRD-PARTY NAMES, TRADEMARKS, AND PROVIDERS
The Website may identify or refer to third-party companies, insurers, agencies, financial institutions, service providers, professional providers, platforms, regulators, public bodies, trademarks, logos, product names, or corporate names for informational or identification purposes.
Unless expressly stated in writing, such references do not imply endorsement, sponsorship, affiliation, ownership, approval, partnership, guarantee, recommendation, or responsibility by or for any listed third party.
All third-party names, trademarks, logos, and brand identifiers remain the property of their respective owners.
Availability of third-party products or services may vary by licensing, contracting, jurisdiction, product access, underwriting, suitability, professional requirements, agency relationships, provider rules, and market conditions.
14. WFG, TRANSAMERICA, AEGON, INSURERS, AND AGENCY RELATIONSHIPS
Where insurance solutions are appropriate, business may be conducted through World Financial Group Insurance Agency of Canada Inc., where applicable.
References to World Financial Group, Transamerica, Aegon, insurers, carriers, providers, or other financial institutions are for informational, contextual, relationship, or identification purposes only.
Each entity is responsible for its own contractual obligations, products, services, licensing, financial condition, operations, disclosures, underwriting, policy terms, and regulatory obligations.
Institutional scale, company history, carrier access, agency relationships, product availability, or platform affiliation does not replace client-specific suitability review, underwriting, policy terms, professional advice, or required documentation.
15. USER INFORMATION AND SUBMISSIONS
A User may submit information through forms, booking pages, contact pages, email, messages, questionnaires, uploads, or other communication methods.
The User is responsible for ensuring that information submitted to Atlas is accurate, complete, current, lawful, and authorized. The User must not submit information about another person, spouse, family member, business partner, corporation, trust, estate, minor, employee, beneficiary, insured person, or third party unless the User has lawful authority or appropriate consent to do so.
Atlas may rely on information submitted by or on behalf of a User unless there is a reasonable basis to question its accuracy, completeness, or authority.
The User should not submit Social Insurance Numbers, detailed medical records, lab results, physician notes, government identification documents, banking access credentials, passwords, or highly sensitive information through general website forms or unsecured communication channels unless specifically requested through an appropriate secure process.
Atlas may retain submissions, messages, documents, and communication records for client service, administrative, compliance, supervisory, audit, legal, regulatory, insurance, professional coordination, dispute prevention, and recordkeeping purposes.
16. ELECTRONIC COMMUNICATIONS
By submitting information through the Website, booking a meeting, or communicating with Atlas electronically, the User acknowledges that Atlas may communicate by email, phone, text message, video call, booking platform, electronic document platform, or other electronic means where appropriate.
Electronic communications may include inquiry responses, meeting confirmations, follow-up messages, document requests, review-related communications, service-related communications, insurance-related communications, professional coordination communications, recruiting communications, educational communications, or administrative communications.
Electronic communications are not guaranteed to be secure, uninterrupted, error-free, confidential, or received in a timely manner. The User should not transmit highly sensitive information through unsecured channels unless instructed through an appropriate process.
Commercial electronic messages, where sent, are subject to applicable consent, identification, unsubscribe, and electronic communications requirements.
17. PRIVACY AND COOKIES
Atlas’s collection, use, disclosure, retention, and safeguarding of Personal Information is described in the Atlas Privacy Policy.
The Website may use cookies, analytics tools, pixels, log files, tracking tools, or similar technologies for website operation, analytics, security, performance, marketing attribution, and user experience improvement. Additional information may be provided in the Atlas Cookie Notice.
By using the Website, the User acknowledges that technical and usage information may be collected in accordance with the Privacy Policy, Cookie Notice, browser settings, platform settings, and applicable law.
18. THIRD-PARTY WEBSITES AND LINKS
The Website may contain links to third-party websites, booking platforms, forms, professional websites, insurer resources, agency websites, financial institution websites, social media platforms, payment platforms, educational resources, or other external services.
Atlas does not control third-party websites or services and is not responsible for their content, privacy practices, security, terms, representations, accuracy, availability, advertising, cookies, tracking technologies, products, services, or conduct.
A link to a third-party website does not constitute endorsement, recommendation, approval, sponsorship, affiliation, or responsibility by Atlas.
Users access third-party websites and services at their own risk and should review the applicable third-party terms and privacy policies before using those services or submitting information.
19. INTELLECTUAL PROPERTY
All Content on the Website is owned by Atlas or used under license, permission, fair use, public reference, or other applicable basis, except for third-party names, trademarks, logos, or materials that remain the property of their respective owners.
The User may view the Website for personal, informational, and non-commercial use only.
The User may not copy, reproduce, distribute, publish, modify, transmit, display, sell, license, scrape, frame, mirror, extract, reverse engineer, create derivative works from, or commercially exploit any Website Content without prior written permission from Atlas, except where permitted by applicable law.
Unauthorized use of Atlas’s name, brand, layout, design, documents, service architecture, copy, forms, website structure, or proprietary materials is prohibited.
20. PROHIBITED USE
The User must not use the Website for any unlawful, fraudulent, misleading, abusive, harmful, unauthorized, or improper purpose.
Without limitation, the User must not:
(a) interfere with the operation, security, availability, or integrity of the Website;(b) attempt unauthorized access to systems, accounts, forms, files, databases, or networks;(c) introduce malware, viruses, bots, scripts, scraping tools, automated harvesting tools, or harmful code;(d) submit false, misleading, defamatory, unlawful, unauthorized, or third-party information without authority;(e) impersonate another person or misrepresent authority to act for another person or entity;(f) use the Website to violate privacy, intellectual property, consumer protection, insurance, securities, tax, legal, anti-spam, data protection, or other laws;(g) copy, scrape, harvest, or extract Website Content or data for competitive, commercial, training, artificial intelligence, data mining, or resale purposes without authorization;(h) use the Website in a manner that could damage Atlas, clients, users, advisors, agencies, insurers, professionals, service providers, or third parties.
Atlas may restrict, suspend, block, or terminate Website access where it believes use is unauthorized, improper, unlawful, harmful, or inconsistent with these Terms of Use.
21. NO WARRANTIES
The Website and Content are provided on an “as is” and “as available” basis.
Atlas does not warrant that the Website or Content will be accurate, complete, current, uninterrupted, secure, error-free, virus-free, suitable for any particular purpose, available in any jurisdiction, or free from technical issues.
Atlas does not warrant that any Website Content, example, illustration, article, description, service page, calculator, form, third-party reference, or educational material will apply to the User’s circumstances.
Atlas does not warrant any insurance approval, underwriting outcome, product availability, premium amount, investment result, tax result, legal result, accounting result, mortgage result, professional result, financial planning result, estate result, business result, or other outcome.
To the maximum extent permitted by law, Atlas disclaims all warranties, conditions, representations, and guarantees, whether express, implied, statutory, or otherwise, including warranties of accuracy, merchantability, fitness for a particular purpose, non-infringement, availability, and security.
22. LIMITATION OF LIABILITY
To the maximum extent permitted by applicable law, Atlas and its representatives, advisors, contractors, service providers, affiliates, licensors, agents, and related parties will not be liable for any direct, indirect, incidental, consequential, special, exemplary, punitive, economic, business, loss-of-profit, loss-of-data, loss-of-opportunity, reliance, or other damages arising out of or related to the Website, Website Content, use of the Website, inability to use the Website, reliance on Website Content, third-party links, technical issues, unauthorized access, electronic communications, submitted information, or any action taken or not taken based on the Website.
This limitation applies whether the claim is based on contract, tort, negligence, misrepresentation, statute, equity, strict liability, professional duty, or any other legal theory, even if Atlas has been advised of the possibility of such damages.
Nothing in these Terms of Use is intended to exclude liability that cannot be excluded under applicable law.
23. INDEMNITY
The User agrees to indemnify and hold harmless Atlas and its representatives, advisors, contractors, service providers, affiliates, licensors, agents, and related parties from and against any claims, losses, damages, liabilities, costs, expenses, demands, proceedings, or actions arising out of or related to:
(a) the User’s use of the Website;(b) the User’s breach of these Terms of Use;(c) information submitted by or on behalf of the User;(d) unauthorized submission of information about another person or entity;(e) the User’s violation of law or third-party rights;(f) the User’s misuse of Website Content;(g) reliance by the User on general Website Content without appropriate individualized review.
This indemnity applies to the maximum extent permitted by applicable law.
24. AVAILABILITY AND CHANGES TO WEBSITE
Atlas may modify, update, suspend, restrict, discontinue, remove, or replace any part of the Website or Content at any time without notice.
Atlas does not guarantee that the Website will remain available, that any particular page or Content will remain published, that any service description will remain unchanged, or that any information will remain current.
Atlas may correct errors, omissions, inaccuracies, outdated information, broken links, technical issues, layout issues, service descriptions, legal notices, or other Website Content at any time.
25. GOVERNING LAW
These Terms of Use and use of the Website are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict of law principles, except where mandatory laws of another jurisdiction apply and cannot be excluded.
The User agrees that any dispute arising out of or relating to the Website or these Terms of Use will be subject to the courts of competent jurisdiction in British Columbia, Canada, unless applicable law requires otherwise.
Nothing in this section limits any mandatory consumer protection, privacy, regulatory, insurance, professional, or statutory right that cannot be waived by contract.
26. SEVERABILITY
If any provision of these Terms of Use is found to be invalid, illegal, void, or unenforceable, that provision will be interpreted, limited, modified, or severed to the minimum extent necessary, and the remaining provisions will continue in full force and effect to the maximum extent permitted by law.
27. NO WAIVER
No failure or delay by Atlas in exercising any right, power, remedy, or provision under these Terms of Use will operate as a waiver of that right, power, remedy, or provision.
Any waiver must be express and in writing to be effective.
28. ENTIRE TERMS FOR WEBSITE USE
These Terms of Use, together with the Privacy Policy, Cookie Notice, Licensing & Disclosure page, and any other legal notice posted on the Website, constitute the terms governing public Website use.
Additional documents may apply to specific matters, including client engagement agreements, privacy consents, information authorizations, insurance applications, agency disclosures, insurer forms, underwriting authorizations, policy documents, professional engagement letters, electronic signature consents, payment terms, recruiting documents, or other transaction-specific documents.
In the event of a conflict between these Terms of Use and a specific signed agreement, insurer document, agency document, professional engagement document, regulatory document, or transaction-specific document, the more specific document will govern the specific matter to which it applies, unless prohibited by law.
29. INTERPRETATION
Headings are included for convenience only and do not limit the interpretation of these Terms of Use.
Words such as “including,” “such as,” “may,” and similar expressions are illustrative and not limiting.
References to laws, regulations, agencies, insurers, professionals, providers, products, services, or jurisdictions are general and may change over time.
These Terms of Use are intended to be interpreted in a manner consistent with applicable insurance, privacy, consumer protection, electronic communications, professional, intellectual property, commercial, and website-use requirements.
30. WEBSITE INQUIRIES
Questions regarding these Terms of Use may be submitted through the inquiry method made available on the Website. 
Atlas may require reasonable verification of identity, authority, or context before responding to any inquiry involving Personal Information, client information, confidential information, service records, insurance matters, professional coordination, or account-specific matters.