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Legal

Legal Notices

Serenia Life Financial, formerly known as FaithLife Financial, is a Fraternal Benefit Society, incorporated by an Act of the Parliament of Canada on June 28, 1972. Its head office is in Waterloo, Ontario. Its operations are governed by the federal Insurance Companies Act and the Insurance Acts of the provinces in which the Society operates (presently British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, New Brunswick, and Nova Scotia).

The laws of the Province of Ontario and the federal laws of Canada applicable therein govern the use of this website.

Terms and Conditions for Use of This Website

The following information constitutes Serenia Life Financial’s terms and conditions for use of this website. This site is provided for your personal, non-commercial use. If you do not agree to any of the following terms and conditions, please do not use this site. Serenia Life Financial may revise these terms and conditions from time to time. Visit this page periodically to review current terms and conditions for use of our website.

When you browse or download information from our website, our servers automatically collect limited amounts of standard information for traffic monitoring and statistical purposes. The information is analyzed for operational trends, performance, and for ways to improve our site. The Company cannot identify you from this information. We collect the following standard types of information:

  • Internet Protocol (IP) addresses of the computers being used to access our site
  • the operating systems and the types and versions of browsers used to access our site
  • the Internet Service Providers used by visitors to our site
  • the dates and times users access our site
  • the pages visited
  • the key words users enter into our search engine
  • the names and sizes of files requested

Privacy

At Serenia Life Financial, we understand that you value your privacy. Any information you provide through our website is used for Serenia Life Financial’s purposes only – to serve you better. We will not collect personally identifiable information – such as names, addresses, postal codes, email addresses, and so on – unless you provide it to us voluntarily and knowingly. (For example, if you’ve expressed interest in a program, or in volunteering through a Serenia Life Financial Action Team or Mission Trip benefit, we may collect personally identifiable information to respond to you.)

Serenia Life Financial does not sell names and addresses of our members and prospective members to third-party organizations. We will only share information in situations where the law requires us to do so.

For more information, feel free to read our privacy policy.

Use of Cookies

Serenia Life Financial uses cookies to enhance security, help maximize your online experience with us, and evaluate the effectiveness of our websites and marketing campaigns.

A cookie is a small amount of data from a website stored within a web browser. Its purpose is to remember information that can be used later. They are typically used to save your preferences and login information, and to make your browsing experience easier. All the information collected is non-personal and is not used to identify you.

Cookies may be shared with Google Analytics or other providers in an anonymous format. These cookies are used to increase the relevance of material you see when you visit other websites. We use this information to evaluate use of our website and to compile statistics.

Internet browsers are usually set to accept cookies, but you can set your browser to notify you when you receive one. This provides you the chance to decide whether or not to accept them. Not accepting cookies will cause some or all features on the page to be inaccessible. You may also delete cookies you have accepted in the past.

Code of Ethics

As a member of the Canadian Life and Health Insurance Association (CLHIA), Serenia Life Financial is committed to conducting business in accordance with the principles in the CLHIA Consumer Code of Ethics. For more information on CLHIA’s Consumer Code of Ethics, Consumer Publications, and Consumer Assistance Centre, please visit the CLHIA’s Consumer section on their website.

Limitations

This website is not intended to provide specific professional advice. Rather, the information provided here is for general reference purposes only. While we have made reasonable efforts to ensure the information on this site is correct, it may contain inaccuracies or typographical errors. Serenia Life Financial does not warrant the quality, accuracy, timeliness, or suitability for any particular purpose of any information contained herein, and will not be liable for damages arising out of the use of information on this website.

For professional insurance and investment planning expertise specific to your situation, contact your Serenia Life Financial advisor (if known), the Serenia Life Financial office, or Member Services toll-free at 1-800-563-6237.

Security

This site makes use of the Secure Sockets Layer (SSL) protocol with 128-bit encryption. (If you are unable to establish a secure connection to this site, your web browser may be out of date. Try downloading an updated version from the Internet.) To verify that encryption is operational, look for an unbroken lock or key indicator in the status bar of your web browser. Certain areas of our website also have enhanced security measures, including the use of a user ID and password combination unique to the individual. Advise Serenia Life Financial if your user ID or password becomes known to another person.

Links to Other Websites

This site includes links that connect to other websites. We hope you find them interesting and useful. However, Serenia Life Financial makes no endorsements, assurances, representations, or warranties as to the accuracy, quality, condition, or completeness of the information contained in those third-party websites. Similarly, links from other websites to this site should not be considered to be an endorsement of any kind.

Copyright Serenia Life Financial is the owner of the intellectual property rights for the material on this website. The layout and contents of this site (e.g., graphics, images, logos, button icons, text, and other materials) are protected by copyright. You may not make any commercial use of the materials on this website. However, you are welcome to display on your computer and/or print, download, and use the material on this website for non-commercial, personal, or educational use, provided that you do not modify such material, and you maintain our copyright and other notices on your reproduction of such materials. Any other use, including the reproduction, modification, redistribution, or retransmission of content on this site without our express permission is prohibited.

Trademarks

Trademarks may not be reproduced without our express permission except for the limited purposes outlined above.

Products and Services

All life insurance products and services referred to on this website, including annuity contracts and variable contracts (i.e., segregated FORTRESS® investment funds), are distributed by FaithLife Financial, which currently operates as Serenia Life Financial. The organization is licensed to sell these products in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, New Brunswick, and Nova Scotia.

FORTRESS® Funds consist of 24 segregated funds maintained by FaithLife Financial, which currently operates as Serenia Life Financial, in respect of variable deferred annuity contracts issued under the FORTRESS® Funds plan. The assets of each fund are segregated from the other assets of the Society and are invested in funds managed by professional money managers. The funds are not separate legal entities.

Dividends

Members of Serenia Life Financial benefit from our financial gains. Financial returns not required to support the Society’s ongoing operations are shared with members by crediting current investment returns and by distributing dividends in accordance with the Society’s Dividend Policy. For example, participating whole life insurance policyholders have the opportunity to earn dividends every year. This is based on the following benchmarks: (1) investment returns, (2) operating expenses, and/or (3) the claims experience. In addition, our profits help us provide members with benefits that enable them to support registered charities that are important to them.