These Terms and Conditions govern the use of the website www.meritex.ca and any related services, communications, or tools provided by MERITEX Services Financiers Inc. / MERITEX Financial Services Inc. (“MERITEX,” “we,” “our,” or “us”).

By accessing or using this website or our services,

you agree to be bound by these Terms and Conditions.

1. Nature of Services

MERITEX provides financial services, including insurance and related advisory services, as an independent firm duly authorized to operate

in Québec. All information provided on this website is for general informational purposes only and does not constitute legal, tax, or financial advice. Personalized recommendations are provided only following an analysis of your situation and, where applicable, the completion of required disclosures and documentation.

2. Use of the Website

You agree to use this website in a lawful manner

and not to:

• Misuse or interfere with the website’s functionality

• Attempt unauthorized access to systems or data

• Transmit false, misleading, or unlawful information

MERITEX reserves the right to suspend or restrict access to the website at any time, without notice.

3. Third-Party Links and Services

This website may contain links to third-party websites or services. MERITEX does not control and is not responsible for the content, accuracy, availability, or privacy practices of such third-party websites.

Access to third-party services is at your own risk and subject to their respective terms and policies.

4. Communications

By providing your contact information, you authorize MERITEX to communicate with you for service-related purposes, subject to applicable

laws and your consent preferences.

Communications may occur by phone, email, SMS,

or other messaging platforms, depending on your preferences and the nature of the interaction.

5. SMS & Messaging Terms

If you use our services to receive SMS messages or communications through messaging platforms:

• Users must opt in to receive messages

• All opt-in data and consent must be verifiable

• Marketing messages will include opt-out instructions (e.g., “Reply STOP to unsubscribe”)

• Message frequency will be consistent with disclosures provided at the time of opt-in

• Message and data rates may apply and will be disclosed where required

MERITEX does not guarantee message delivery. Wireless carriers are not liable for delayed or undelivered messages.

6. Intellectual Property

All content on this website, including text, logos, graphics, and layout, is the property of MERITEX or used under license and is protected

by applicable intellectual property laws.

No content may be reproduced, distributed, modified, or used without prior written authorization from MERITEX.

7. Limitation of Liability

MERITEX shall not be liable for any damages arising from:

• Use or inability to use the website

• Reliance on information provided on the website

• Technical interruptions, errors, or delays

Nothing in these Terms and Conditions limits liability where such limitation is prohibited by law.

8. Privacy

The collection, use, and protection of personal information are governed by our Privacy Policy, available on our website. By using our website

or services, you acknowledge having reviewed and understood that policy.

9. Modifications to the Terms

MERITEX reserves the right to modify these Terms and Conditions at any time. The most current version will be posted on the website

and will take effect upon publication.

10. Governing Law

These Terms and Conditions are governed by the laws of the Province of Québec and applicable Canadian laws.

11. Contact Information

For questions regarding these Terms and Conditions, please contact:

MERITEX Services Financiers Inc.
Email: [email protected]
Website: https://www.meritex.ca

Last updated: January 12, 2026