Terms of Service | Wealth with Cheyanne

Terms of Service

Effective 20 June 2025 – Rev 2.1 (Last updated 23 June 2025)

1 Who We Are & Scope

Site Owner: Cheyanne Edgren
Status: Independent insurance/financial-services agent licensed through World Financial Group Insurance Agency of Canada Inc. (“WFGIAC”)

Site Offerings:

  • Free educational content on personal finance and insurance
  • Online calendar for booking no-cost consultations
  • Private community forum and email/SMS updates

2 Relationship to WFG

Cheyanne operates under the contracts and compliance oversight of WFGIAC. All insurance or investment applications, premiums, and refunds are handled through WFG-approved carrier systems—never through this site.

3 No Fees, Payments, or E-Commerce

  • Consultations promoted on this site are always free.
  • The site does not accept payments, store card data, or display pricing.
  • If you purchase a financial product, every monetary transaction occurs directly between you, WFGIAC, and the issuing carrier.

4 Scheduling & Cancellation

  • Book appointments through the embedded calendar.
  • Need to reschedule? Provide 24 hours’ notice by email or text.
  • No cancellation fee applies (sessions are free).

5 User Accounts & Community Standards

  • You must be 18 years or older to create an account or post.
  • Keep your login credentials confidential.
  • Prohibited content: copyright infringement, unlawful material, private data about third parties, hate speech, or spam. We may remove content or suspend accounts at our discretion.

6 Intellectual Property

“World Financial Group,” “WFG,” and related marks are trademarks of Transamerica Corporation and are used under licence. All site materials remain our intellectual property. You receive a personal, non-transferable licence to read or download them for your own use only.

7 Disclaimer – No Professional Advice

All information shared through the site is educational and does not constitute legal, tax, or personalized investment advice. Consult your own qualified professional before acting on any information.

8 Results Not Guaranteed

Testimonials illustrate possible outcomes but do not guarantee identical results. Your outcomes depend on your own effort and circumstances.

9 SMS Program Terms (A2P 10DLC Compliance)

  • Program name – “Wealth with Cheyanne Updates”
  • Purpose – appointment reminders, educational tips, and occasional promotions.
  • Opt-in – You subscribe via our web form or by texting an advertised keyword. By providing your number, you represent that you are the account holder or have permission to enroll.
  • Opt-out – Reply STOP to cancel at any time (you will receive a one-time confirmation message). Opt-out requests are processed within 24 hours and logged for ≥ 6 years.
  • Help – Reply HELP for assistance or email [email protected].
  • Message frequency varies; maximum 4 msgs/week.
  • Message & data rates may apply.
  • Carriers are not liable for delayed or undelivered messages.
  • Mobile information (SMS opt-in data) will not be shared with or sold to third parties for their marketing purposes.
  • See our Privacy Policy for how we protect your data.

10 Limitation of Liability

To the fullest extent permitted by law, our total liability for any claim is limited to CAD $100 or the minimum allowable under law, whichever is greater. We are not liable for indirect, consequential, or special damages.

11 Termination

We may suspend or terminate your access at any time for breach of these Terms. You may close your account at any time.

12 Governing Law

These Terms are governed by the laws of British Columbia, Canada. Any dispute must be brought exclusively in the courts of British Columbia.

13 Changes

We may amend these Terms at any time. The revised date at the top will change when updates are published. Continued use of the site signifies acceptance of the revised Terms.

14 Contact

Cheyanne Edgren – Privacy Officer & Site Owner
217 - 7928 128 Street, Surrey BC V3W 4E8
[email protected] • (236) 979-7349