These terms should be reviewed periodically and updated if the website, services or applicable requirements change.
Educational information
Information on this website is provided for general educational purposes only and is not personal insurance, investment, legal, accounting or tax advice. A personal recommendation requires an appropriate needs, suitability, eligibility and licensing review. Product features, tax rules and licensing requirements may change.
Insurance licensing
Anurag Nayak is licensed to provide insurance services in British Columbia, Alberta and Ontario. Product and service availability may vary by province, insurer, eligibility and applicable licensing requirements.
Home and automobile insurance are not offered through this practice.
Investment-related information
Registered and non-registered investment options are discussed only through applicable licensed channels and are subject to suitability, eligibility, product availability and compliance approval. Investment values may fluctuate, and past performance does not guarantee future results.
Nothing on this website should be interpreted as discretionary portfolio management, securities registration beyond applicable authority, or a recommendation to buy, sell or transfer a particular investment.
Tax, legal and accounting matters
Insurance ownership, corporate structures, beneficiary designations, business arrangements and investment decisions can have legal, accounting and tax consequences. Where appropriate, coordinate decisions with qualified legal, accounting and tax professionals.
Product descriptions
Product descriptions are general. Actual policy contracts, plan documents, fund facts, insurer materials and applicable legal terms govern. Eligibility, underwriting, exclusions, limitations, costs and benefits vary.
Existing insurance policies
Do not cancel an existing policy until any new coverage has been approved, accepted, paid for and confirmed in force.
External links
External links are provided for convenience. Anurag Nayak does not control third-party websites or guarantee their availability, security, accuracy or privacy practices.