Effective Date: April 18, 2023
Last Updated: April 18, 2026
These Terms of Use (“Terms”) govern your access to and use of all content, features, and services available at https://ibcfinancial.com (the “Website”), operated by Canadian Wealth Creation Centre Inc. (federal corporation #9962085), doing business as IBC Financial (“IBC Financial,” “we,” “us,” or “our”).
IBC Financial is the dedicated educational and marketing division of Canadian Wealth Creation Centre Inc. (“CWCC”). Throughout these Terms, references to “IBC Financial” include Canadian Wealth Creation Centre Inc.
By accessing or using any part of the Website, you agree to be bound by these Terms. If you do not agree to all of these Terms, you must not access or use the Website. These Terms, together with our Privacy Policy, Disclaimer, Cookie Policy, and any other legal notices published on the Website, form the complete agreement between you and IBC Financial concerning your use of the Website.
Please read these Terms carefully. They contain important information regarding your legal rights and obligations.
IBC Financial provides educational content and marketing services related to the Infinite Banking Concept® and participating whole life insurance in Canada. The Website contains educational articles, guides, tools, and resources designed to help Canadians understand insurance-based financial planning strategies.
Important: The content on this Website is provided for general educational and informational purposes only. It does not constitute investment advice, tax advice, legal advice, or a recommendation to purchase any financial product. Participating whole life insurance is not an investment product. IBC Financial and Canadian Wealth Creation Centre Inc. are not banks. Insurance products are not deposits and are not insured by the Canada Deposit Insurance Corporation (CDIC) or any other government deposit insurer.
Jose Salloum is a licensed Financial Security Advisor (FSA) regulated by the Autorité des marchés financiers (AMF) in Quebec, the Financial Services Regulatory Authority of Ontario (FSRA) in Ontario, and the Insurance Council of British Columbia (ICBC) in British Columbia. Any financial planning services are provided by CWCC through its licensed representatives and are subject to separate advisory engagement terms.
You must be at least the age of majority in your province or territory of residence to use this Website (18 in most provinces; 19 in British Columbia, New Brunswick, Newfoundland and Labrador, Northwest Territories, Nova Scotia, Nunavut, and Yukon). By using the Website, you represent and warrant that you meet this eligibility requirement.
The Website is intended for residents of Canada. If you access the Website from outside Canada, you do so at your own initiative and are responsible for compliance with local laws.
We may update these Terms from time to time to reflect changes in our practices, technology, legal requirements, or regulatory guidance. When we make changes, we will update the “Last Updated” date at the top of this page. For material changes, we will provide reasonable notice on the Website.
Your continued use of the Website after any changes to these Terms constitutes your acceptance of the updated Terms. If you do not agree with the revised Terms, you must stop using the Website.
Subject to these Terms, IBC Financial grants you a limited, non-exclusive, non-transferable, and revocable licence to access and use the Website for your personal, non-commercial, educational purposes.
This licence does not include the right to:
You agree not to use the Website:
The Website and its entire contents, features, and functionality — including all information, text, displays, images, video, audio, design, selection, and arrangement — are owned by Canadian Wealth Creation Centre Inc., its licensors, or other providers of such material and are protected by Canadian and international copyright, trademark, patent, trade secret, and other intellectual property laws.
The following are trademarks or registered trademarks used on this Website:
You must not use any trademarks, service marks, or trade names displayed on the Website without the prior written consent of the trademark owner.
The content on this Website is prepared by IBC Financial for general educational purposes and reflects information available at the time of publication. While we make reasonable efforts to ensure accuracy, we do not warrant that the content is complete, current, or error-free.
Financial, tax, and insurance information changes frequently. The content on this Website should not be relied upon as a substitute for consultation with a qualified professional. Before making any financial decision, you should consult with a licensed Financial Security Advisor, tax professional, or legal counsel qualified to advise on your specific circumstances.
Specific limitations of the content on this Website include:
The Website contains a booking form that collects personal information for the purpose of scheduling consultations. By submitting information through this form, you consent to being contacted by IBC Financial regarding your enquiry.
The collection, use, and disclosure of personal information through the Website is governed by our Privacy Policy, which complies with the Personal Information Protection and Electronic Documents Act (PIPEDA) and Quebec’s Act Respecting the Protection of Personal Information in the Private Sector (Law 25).
Any commercial electronic messages sent following your enquiry will comply with Canada’s Anti-Spam Legislation (CASL). You may withdraw your consent to receive electronic communications at any time.
The Website may contain links to third-party websites, including those of insurance carriers, regulatory bodies, educational resources, and industry organisations. These links are provided for your convenience and reference only.
IBC Financial does not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party website. You acknowledge and agree that IBC Financial is not liable for any damage or loss caused or alleged to be caused by or in connection with your use of or reliance on any content, goods, or services available through any third-party website.
We encourage you to review the terms and privacy policies of any third-party website you visit.
Your use of the Website and its content is at your sole risk. The Website and its content are provided on an “as is” and “as available” basis. To the fullest extent permitted by applicable law, IBC Financial disclaims all warranties of any kind, whether express, implied, or statutory, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
IBC Financial does not warrant that:
Nothing in this section excludes or limits any warranty or right that cannot be excluded or limited under applicable Canadian federal or provincial law, including the Quebec Consumer Protection Act (CQLR c. P-40.1).
To the fullest extent permitted by applicable law, IBC Financial, its affiliates, and their respective officers, directors, employees, agents, licensors, and service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, loss of goodwill, or other intangible losses, arising out of or in connection with:
Nothing in this section excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded or limited under applicable Canadian federal or Quebec provincial law.
Where our liability cannot be excluded, our total cumulative liability to you for all claims arising out of or relating to these Terms or the Website shall not exceed the greater of $500 (CAD) or the amount you have paid to Canadian Wealth Creation Centre Inc. for services in the twelve (12) months preceding the claim.
To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Canadian Wealth Creation Centre Inc. d/b/a IBC Financial, its affiliates, licensors, and service providers, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, or expenses (including reasonable legal fees) arising out of or relating to your violation of these Terms or your use of the Website in a manner not authorised by these Terms.
These Terms are governed by and construed in accordance with the laws of the Province of Quebec and the federal laws of Canada applicable therein, without giving effect to any choice or conflict of law provision.
Any legal proceedings arising out of or related to these Terms or the Website shall be instituted exclusively in the courts of the Province of Quebec, judicial district of Montreal. You consent to the jurisdiction of such courts and waive any objection to the exercise of jurisdiction over you by such courts and to venue in such courts.
For residents of Quebec, nothing in these Terms limits or excludes any rights you may have under the Quebec Consumer Protection Act (CQLR c. P-40.1), which may provide additional protections that cannot be waived by contract.
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable, while preserving the original intent of the parties.
No failure or delay by IBC Financial in exercising any right or provision under these Terms shall constitute a waiver of such right or provision. A waiver of any right or provision under these Terms will be effective only if made in writing and signed by an authorised representative of Canadian Wealth Creation Centre Inc.
If you have any questions or concerns about these Terms, please contact:
Mona Haddad
Compliance Officer
Canadian Wealth Creation Centre Inc. d/b/a IBC Financial
42 Rue de Braine, Blainville, QC J7B 1Z2
Phone: 438-808-3314
Email: Info@ibcfinancial.com
© 2026 Canadian Wealth Creation Centre Inc. d/b/a IBC Financial. All rights reserved.
These Terms of Use are a legal document. They do not constitute legal advice. If you have questions about your rights, consult a qualified legal professional.
