Terms of Use

Please read these terms and conditions carefully. By using and accessing this site, you acknowledge these terms and conditions and agree, without limitation or qualification, to be bound by them and by applicable laws.


E. Espiritu Financial (“EEF”) means E. Espiritu Financial Inc.


EEF is not responsible in any manner for direct, indirect, special or consequential damages, howsoever caused, arising out to your use of this website or any web browser, including any damages you may suffer if you transmit confidential or sensitive information to us or if we communicate such information to you at your request over the internet. No endorsement or any third party products, services or information is expressed or implied by any information, material or content referred to or included on this website.


Information provided by EEF and other sources on this website is believed to be accurate and reliable when placed on this site, but we cannot guarantee it is accurate or complete at all times. Information on this site is for informational purposes only and is not intended to provide financial, legal, accounting or tax advice and should not be relied upon in that regard.


Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this website may constitute trade names, registered or unregistered trade-marks or service marks (“Trade-marks”) of EEF or of third parties and used under license by EEF. However, the display of Trade-marks on pages at this website does not imply that any license has been granted to any third party.


All information, graphic images, layout and text in this website is protected under the copyright laws of Canada and/or other countries. Users of this website shall be entitled to copy any information for their own personal use but may not republish or reproduce any such information in any manner, including electronic reproduction by “uploading” or “downloading”, without the prior written consent of EEF. Otherwise, no one has permission to copy, redistribute, reproduce, or republish, in any form, any information found in the pages of this website.


Any unauthorized downloading, re-transmission or other copying or modification of Trade-marks or other contents of this website may be a violation of statutory or common law rights which could subject the violator to legal action.

Products and services of EEF are only offered in jurisdictions where they may be lawfully offered for sale. All products and services are subject to the terms of the applicable agreement.


The information and material provided in this website are intended for general reference only, and may not describe all the terms, conditions, and exceptions applicable to EEF’s products and services. All coverages are subject to the terms and conditions of the insurance policies issued. Coverages and their availability may vary by province and your individual circumstances. The products and services offered on this website are only available in the jurisdictions in which EEF is properly licensed.


The information on this website does not constitute an offer or solicitor by anyone in any jurisdiction in which an offer or solicitation cannot be legally made, or to any person to whom it is unlawful to make a solicitation.

Get In Touch With Us for a Free Consultation

We respect your privacy and will not disclose any information to any organization other than our own.

Get In Touch With Us for a Free Consultation

We respect your privacy and will not disclose any information to any organization other than our own.