Welcome to the A.C.H Essentials website. This website is operated by A.C.H Webmedia Corporation, operating as A.C.H Essentials (“A.C.H Essentials,” “we,” “us” or “our”). By accessing or using this website, you agree to these Terms of Service and acknowledge our Privacy Policy. Please read these documents carefully.

1. Acceptance of Terms

By accessing this website, using our chatbot services, submitting forms, or communicating with A.C.H Essentials, you acknowledge and agree to these Terms of Service and our Privacy Policy.

If you do not agree with these terms, please discontinue use of the website and related services.

2. Website Purpose

The information provided on this website is intended for general informational and educational purposes only. A.C.H Essentials provides information related to insurance and financial protection strategies. Content on this website should not be considered personalized financial, legal, tax, or insurance advice.
Visitors should consult directly with a licensed advisor regarding their individual needs and circumstances. Product availability, eligibility, coverage, premiums and underwriting decisions are determined by the applicable insurer and may vary by province or territory.

3. General Information and Professional Advice

Content provided through this website, including articles, downloadable resources, automated chatbot responses and general communications, is provided for general informational and educational purposes only. It is not intended to constitute personalized insurance, financial, legal, tax, medical or other professional advice.

Accessing or using this website, submitting a form, communicating with the chatbot or requesting information does not, by itself, create an advisor-client relationship or constitute an application for insurance.

Personalized insurance recommendations may be provided only after an appropriate consultation and assessment of your individual circumstances and needs. Insurance eligibility, coverage, premiums and underwriting decisions are subject to insurer requirements, policy terms and applicable law. Nothing on this website constitutes an offer, approval, guarantee or promise of coverage or insurance contract.

4. Website Use

You agree to use this website only for lawful purposes and in a manner that does not:
• Violate applicable laws or regulations
• Interfere with website functionality or security
• Attempt unauthorized access to systems or information
• Submit false, misleading, or fraudulent information
• Use automated systems to abuse website forms or chatbot services

A.C.H Essentials reserves the right to restrict or terminate access to users who misuse the website or related services.

5. Chatbot and Communication Services

A.C.H Essentials may use a chatbot, live chat, CRM, analytics, and automated communication tools to assist visitors and manage inquiries. Chatbot and automated responses may not always be complete, current or applicable to your particular circumstances. A chatbot interaction does not establish an advisor-client relationship, constitute a formal insurance consultation or bind A.C.H Essentials, Experior Financial Group Inc. or any insurer. Chatbot and automated responses are provided for general informational and administrative purposes only and may not always be complete, current or applicable to your individual circumstances. They do not constitute personalized insurance, financial, legal, tax or other professional advice. You should speak directly with a licensed advisor before making insurance or financial decisions. The chatbot cannot complete an insurance application, approve coverage, bind an insurance contract or replace a formal consultation with a licensed advisor. Please do not submit highly sensitive information through the chatbot, including: Please avoid submitting highly sensitive information such as:
• Social Insurance Numbers (SIN)
• Banking credentials
• Credit card numbers
• Passwords
• Detailed medical records through website forms or chatbot conversations.

6. Intellectual Property

Unless otherwise indicated, website content created and owned by A.C.H Essentials—including original text, branding, graphics, layouts and downloadable materials—is protected by applicable intellectual-property laws and may not be copied, reproduced, modified, distributed or commercially used without prior written permission. Certain trademarks, logos, images, software, themes, content and other materials belong to Experior Financial Group Inc., insurers, service providers or other third-party licensors. Their inclusion on this website does not transfer any ownership rights to A.C.H Essentials or website visitors.
All website content, including but not limited to:
• Logos
• Branding
• Graphics
• Text
• Website design
• Layouts
• Images
• Downloads
• Custom content
Is the property of A.C.H Essentials unless otherwise stated and may not be copied, reproduced, distributed, or modified without prior written permission.

7. Third-Party Services and Links

A link to or integration with a third-party service does not constitute an endorsement or guarantee of that service. Third-party services are governed by their own terms, privacy policies, and availability. A.C.H Essentials is not responsible for changes, interruptions or content controlled by those providers. This website may integrate with or contain links to third-party services, including:
• Zoho SalesIQ
• Analytics providers
• Social media platforms
• Hosting services
• External informational resources
A.C.H Essentials is not responsible for the content, policies, security, or practices of third-party websites or services. Use of third-party services is subject to their own terms and privacy policies.

8. Limitation of Liability

We make reasonable efforts to keep the website and its information accurate, current and secure. However, the website and its content are provided for general informational purposes and may contain errors, omissions or outdated information.
To the fullest extent permitted by applicable law, A.C.H Essentials and A.C.H Webmedia Corporation will not be responsible for losses resulting solely from reliance on general website content, temporary service interruptions, technical difficulties, third-party services, chatbot responses or unauthorized access beyond our reasonable control.
Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited, including liability arising from intentional or gross fault or liability for bodily or moral injury. You remain responsible for obtaining personalized professional advice before making insurance, financial, legal, tax or other important decisions.

• Use of this website
• Reliance on website content
• Technical interruptions
• Third-party services
• Chatbot interactions
• Unauthorized access to data
Use of this website is at your own risk.

9. Privacy

Your use of this website is also governed by our Privacy Policy, which explains how information is collected, used, and protected.

10. Changes to These Terms

We may update these Terms of Service to reflect changes to our website, services or legal obligations. The “Last Updated” date will be revised whenever changes are made. Where appropriate, material changes may also be communicated through a notice on the website. Updated Terms apply prospectively from their stated effective date.

11. Governing Law

These Terms are governed by the laws of the Province of Quebec and the applicable federal laws of Canada. Nothing in these Terms limits any mandatory rights or protections available under applicable consumer-protection, privacy or other legislation.

12. Contact Information

If you have questions regarding these Terms of Service, please contact:
A.C.H Webmedia Corporation, operating as A.C.H Essentials
Montréal, Quebec, Canada
Email: info@achessentials.com