Canada Life Group Benefits and Savings Access Agreement

To complete the registration process, you must read and agree to the following terms and conditions, as well as the Accessibility Policy, Privacy Policy and Internet Security Statement.

The online information and services available to you via the Canada Life Group Benefits and Savings website are governed by this agreement. We’ll further refer to this agreement as the "Agreement" and to this website as the "Site."

Please read these terms and conditions carefully, as by registering for the Site, you will be deemed to have agreed to them. The terms and conditions of this Agreement are subject to change without notice to you, so we recommend that you review them regularly. If you do not agree with the terms and conditions set forth in this Agreement, do not register for the Site.

By registering for the Site, you are also confirming that the information that you have entered to confirm your identity in the registration process belongs exclusively to you and that you are only registering your own account.

The Site is provided to you by The Canada Life Assurance Company referred to as "Canada Life".

Access and use of the site

  • You’re authorized to access and utilize the Site solely for informational and educational purposes, and for transacting business with Canada Life. In order to register, you must have reached the minimum prescribed age in the jurisdiction in which you live.
  • You agree not to, or allow others to, attempt or actually disrupt, impair or interfere with, alter or modify the Site or any of its content – either directly or indirectly.
  • If you’re accessing the Site on behalf of another party, you confirm you’re authorized to do so. You agree that you will be liable and will indemnify and hold harmless Canada Life, its affiliates, and each of their respective directors, officers, employees and agents, in the event the party you’re acting on behalf of claims you didn’t have such authority or the information you submitted was inaccurate.
  • You may not misuse the Site in any way, including breaching or otherwise circumventing any security or authentication measures. You agree to defend, indemnify and hold harmless Canada Life against any costs, losses, expenses, damages, legal fees, liabilities, claims, demands, actions and settlement amounts resulting from or in any way related to your misuse of the Site. You agree to give Canada Life the full control and discretion over any such defence and settlement.

The site's terms of use

  • Canada Life provides you with access to the Site through the networks of third-party telecommunications providers and through other suppliers and third parties.
  • Canada Life assumes no responsibility for security of your facilities or networks, nor for unauthorized access to facilities or networks. In all cases you’re responsible for determining and establishing secure network access configurations.
  • Canada Life, its affiliates, and each of their respective directors, officers, employees and agents, for any inability, failure or mistake related to any security breach or identification of such breach. Likewise, Canada Life isn’t liable for any loss resulting from the transmission of confidential or sensitive information over the Internet.
  • The Site contains links to or may be accessed from other sites that aren’t maintained or controlled in any way by Canada Life and are provided for convenience only. Canada Life isn’t responsible for any of these sites or their content.
  • These links aren’t an endorsement by Canada Life of the products, services, advice or opinions or any other content of such sites.
  • Similarly, any information or transaction accessed, transmitted or performed through the Site which is related to any third-party product or service shall be subject to any terms, conditions or restrictions applicable to such product or service.
  • Canada Life may use third-party service providers to provide certain tools and/or programs, some of which may be housed on a third-party server or a website independently developed by others. Therefore, while using the Site, you may be linked to third-party servers and Canada Life may share your information with them.
  • Access or use of sites to which links are provided and of sites that link to the Site, including the use of any third-party tools or programs on the Site are subject to all terms and conditions that dictate their use and are at your own risk.
  • Group retirement, savings and income products and investments as described in the Site are issued by Canada Life. Where applicable, Canada Life also acts as agent for the trustee, Investors Group Trust Co. Ltd.

Use of email address and password

  • Upon registration, you will select an email address and password which constitutes your electronic signature ("Electronic Signature") when you use the Site. You acknowledge and agree that your Electronic Signature is the legal equivalent to your written, signed instructions and you authorize Canada Life, any of its affiliates, or any other third-party as applicable, to execute any instructions which are provided by your Electronic Signature.
  • You agree to take appropriate security measures to protect the confidentiality of your Electronic Signature, including those listed below in the "Your responsibility" section of this Agreement, and to prevent any misuse of your information. You agree to notify Canada Life immediately if the confidentiality of your email address or password has been compromised or if there has been unauthorized use of your Electronic Signature.
  • You agree that the web pages you access will constitute written documents. This means when you follow online instructions and click or otherwise electronically activate "accept", "register", "submit", "continue", "ok" or any other similar buttons on such pages, except as otherwise specifically indicated, these carry the same legal effect as if you had signed and delivered hard copy versions of the documents to Canada Life.
  • Canada Life will not be required to verify the actual identity or authority of any user of your Electronic Signature. You agree to be liable and hold Canada Life harmless for any loss caused as a result of or in connection with: (i) any authorized use of your Electronic Signature, and (ii) any unauthorized use of your Electronic Signature that results from your failure to protect the confidentiality of your Electronic Signature, including but not limited to any transaction performed, or information obtained through such use.

Your responsibility

You have an important role to play in ensuring your login information is kept safe.

  • Your password must be kept confidential; do not share it with anyone and take precautions that no one can see your login information when logging in.
  • Do not create a password that would be obvious or easy to guess (e.g., '12345' or 'password').
  • Memorize your password. If you must record it on paper, keep it in a safe location and do not store your email address and password together.
  • Change your password from time to time.
  • Do not leave your computer or other electronic device unattended when you are logged in. Always sign off if you are going to be away from your computer or other electronic device, even for short periods of time.
  • Email is not encrypted; therefore, it is not recommended that you send any personal or confidential information to Canada Life or any third-party by email (e.g. password, claims information).

Calculators, recommendations and projections

  • The calculators, recommendation and projections provided by the Site help you to identify and reach your financial goals. They are based on the information provided by you, your plan sponsor and other institutions with your consent. Inaccuracy in the information provided will negatively affect the accuracy of the calculators, recommendations and projections provided.
  • Calculators, recommendations and projections are provided for general illustrative purposes only and are not warranted to be accurate or complete. You should update your information regularly to ensure that the information is as accurate as possible.
  • While the underlying assumptions for the projections, recommendations and calculators are carefully developed (specific details of the assumptions are provided and you should review them to ensure you agree with them), future performance cannot be guaranteed or predicted with certainty, and as such, calculators, recommendations and projections cannot be guaranteed, and Canada Life makes no representations, warranties or guarantees in respect to them. Even if you save the suggested amount, and follow all recommendations, you may run out of money in retirement or fail to meet your goal. Ensuring you have enough money to meet your needs in retirement is your sole responsibility.
  • Recommendations for investment choices are recommendations only and are based on your risk profile developed in the Site. You retain sole responsibility for the selection of your investments, and should fully investigate the options available to you, including their associated fees, before making your decision.
  • Information regarding the underlying holdings of segregated funds is for illustrative purposes only, the actual holdings will vary and are subject to change without notice.
  • The Site isn’t intended to provide you with any insurance, legal, accounting, tax, or medical advice.

Alerts, notifications and service communications

  • By creating an account, you automatically sign up for and consent to various types of alerts via email and mobile notification. Anyone with access to your email or mobile device may be able to view these alerts. We never include your password in these communications, but we may include your name or email address.
  • We will not send you marketing-oriented materials without your consent, should you choose you may unsubscribe from marketing-oriented emails at any time.
  • Please note that unsubscribe requests may take up to 10 business days to process, and you may continue to receive email messages during this period. In addition, you will continue to receive transactional and other email messages from us that are permitted by law after you have unsubscribed.
  • All emails identified as being sent from the Site or the Site’s address are sent by Canada Life and may be sent through a third-party service provider.

Electronic delivery

  • You consent to receive all documents by electronic delivery, therefore Canada Life will limit sending you any paper copies where possible.
  • You may withdraw your consent to receive all documents electronically at any time through the Notifications section of the Site or by contacting Canada Life.
  • You understand that an email may be sent to the email address registered with the Site to notify you when a document is made available. You understand that you are responsible to update the registered email address if it changes.
  • You understand and agree that it is your responsibility to review the documents on a regular basis and that Canada Life will not be liable for any damages which you may incur as a result of your failure to access and review such documents.
  • You acknowledge and agree that documents received by electronic delivery will be deemed to have been delivered at the time it is made available on the Site, and not at the time you first access the document.
  • You acknowledge that the documents made available to you through the Site will be in a specific file format and that you must have the appropriate technical resources to access, download or print the documents.
  • You understand that any document delivered electronically through the Site will remain accessible for download for a period of time. Canada Life will maintain a file as per its current record retention schedule.
  • You understand that in the event of a failed electronic delivery of a document or for any other reason Canada Life deems appropriate, Canada Life will provide you with a paper copy of such document, instead of or in addition to the document for which you have requested electronic delivery.

Cancellation of your account or access to the site

  • You may cancel your access to the Site at any time by providing Canada Life at least thirty (30) days' prior written notice.
  • If your plan sponsor chooses to withdraw their participation in the Site, your access to it may be removed or limited and you may no longer be able to perform certain functions within the Site.
  • Canada Life may cancel any or all of the services provided by, or your access to, the Site at any time without notice to you. Canada Life will not be liable for any loss, damage or inconvenience that may result from cancellation.


  • All transaction records for the Site transactions are subject to verification and acceptance by Canada Life. Such records, whether electronic or otherwise will be conclusive and binding on you for all purposes in the absence of clear proof that the records of Canada Life are incomplete or incorrect.

Personal information

At Canada Life we recognize and respect the importance of privacy.

Your personal information:

We establish a confidential file that contains your personal information, including any personal information you submit to the Site, including financial or health information.

Your information is kept in the offices of Canada Life or the offices of an organization authorized by Canada Life.

You may exercise certain rights of access and rectification with respect to the personal information in your file by sending a request in writing to Canada Life.

Who has access to your information:

We limit access to personal information in your file to Canada Life staff or persons authorized by Canada Life who require it to perform their duties and to persons to whom you have granted access.

In order to assist in fulfilling the purposes identified below, we may use service providers located within or outside Canada.

Your personal information may also be subject to disclosure to public authorities or others authorized under applicable law within or outside Canada.

What your information is used for:

Personal information that we collect will be used for the purposes of:

  • administering or servicing products or coverage you have with us;
  • providing illustrations and recommendations regarding your plans and policies held with Canada Life and third-party providers and your financial security in general;
  • advising you of products and services available by Canada Life and its partners, to help you plan for financial security;
  • processing any forms and actions throughout this platform, for Canada Life’s and its affiliates’ internal data management and analytics purposes; and
  • fulfilling such other purposes as are directly related to the preceding. This may include investigating and assessing claims, paying benefits, and creating and maintaining records concerning our relationship.

The consent given in this Agreement will be valid until we receive written notice that you have withdrawn it, subject to legal and contractual restrictions. If you withdraw your consent, we may not be able to continue to adjudicate or administer a claim for benefits. You may withdraw your consent to specific uses by going to the Profile Preference section of the Site or more generally by advising Canada Life in writing.

General disclaimer

While the information posted on the Site is believed to be reliable and accurate at the time of posting, Canada Life doesn’t guarantee, represent or warrant that information contained on this website is accurate, complete, reliable, verified, error-free or fit for any purpose.

Nothing on the Site forms a contract, or a part of any contract, other than as it relates to the use of this website, unless directly expressed by Canada Life. In the event of a conflict between the information contained on the Site and the terms contained in any product or services offered by Canada Life or a third party, the terms contained in any document detailing such product or service will prevail.

Neither Canada Life, nor any third-party, make any representations or warranties, express or implied:

  • On the usability or condition of the Site
  • That the Site will operate uninterrupted or error-free
  • That the Site will operate in combination with any services or software used in connection with it
  • That it will be viewed consistently with all browser software

Canada Life disclaims all representations, warranties or conditions, express or implied, statutory or otherwise that may arise from a course of dealing or usage of trade.

You assume full responsibility for risk of loss of any nature whatsoever resulting from your use of the Site and acknowledge and agree that none of Canada Life, its affiliates, or any third-party, or any of their respective directors, officers, employees or agents will be liable to you for loss of any privacy rights, loss of data, computer time or any loss or damage of any nature in connection with your use or inability to use the Site for any reason. Nor are they liable for any action or inaction on the part of Canada Life; or for any direct, indirect, special or consequential damages – even if Canada Life has been advised damage could occur. This includes but isn’t limited to lost profits, lost opportunities or business revenues, loss of goodwill, or failure to realize expected savings.

This Agreement shall be governed by the applicable laws of the province of Manitoba and of Canada. You agree that any legal actions arising under this Agreement must be commenced in Manitoba courts.

If there’s any inconsistency or conflict between the terms and conditions of this Agreement and those of any predecessor agreement offered by Canada Life into which you may have entered, this Agreement will prevail.

This Agreement is binding on you, your heirs, executors, administrators, legal representatives, successors and assigns.

If any provision of this Agreement is determined to be invalid or unenforceable, everything else in this Agreement will continue in full force and effect.

Hi! Welcome to Canada Life. Our lawyers have a lot to tell you, but we'll get through this together. Keep in mind this translation is just a summary and that the terms under "What our lawyers wrote" is our actual agreement with you.

In this agreement, we'll refer to ourselves – The Canada Life Assurance Company – as "we", "our" and "us".

Before you finish registering, please read these terms and conditions and learn more about our policies on accessibility, privacy and internet security.

When you register, it confirms:

  • You've agreed to the terms and conditions. They may change over time so be sure to review them regularly.
  • You've accurately entered your personal info and this account belongs only to you.

Access and use of the site

  • You must be of legal age where you live to register and use the site.
  • You agree not to misuse or do anything bad to our site (or let anyone else do so).
  • If you misuse the site, you will be responsible for any bad outcomes.
  • If someone gave you permission to use our site on their behalf, you're responsible if that person says you didn't have authority or if you submit inaccurate information.

The site's terms of use

We provide access to the site through internet providers. Make sure your network is secure. We, or our associates, aren't responsible for any loss from sending private information over the internet.

Other companies might link to our site or we might link to them. This doesn't mean we endorse their products or services.

Other companies provide tools and programs for us. So you may be linked to their servers and your info might be shared with them. When you use these tools or visit sites we link to, you're subject to their terms and conditions.

Use of email address and password

When you register, you'll choose an email address and password. These will act as your electronic signature. You agree your electronic signature is the same as a written one and gives us permissions to act on what you've asked us to do.

Be sure to protect your email and password and let us know right away if they've been compromised.

Think of any page you visit on the site as a written document. When you follow instructions, fill out an online form and select "accept", "register", "submit", "continue", "ok" or similar buttons, it's as if you had signed and delivered hard copy versions of the documents to us.

We can't verify the identity of someone who uses your electronic signature. You agree not to hold us responsible for any loss related to authorized or unauthorized use of your electronic signature.

Your responsibility

You're probably already a pro at this, but here are some tips to help protect your password and personal information:

  • Don't share your password with anyone or let someone see you typing it.
  • Don't create a password that's easy to guess.
  • Memorize your password.
  • Change your password once in a while.
  • Don't leave your device unattended if you're signed in. Sign out first.
  • Email isn't secure so we don't recommend emailing us personal or confidential information.

Calculators, recommendations and projections

Our calculators, recommendations and estimates are designed to help you set and reach goals. We base them on information you or your employer/association provide, so try to be as accurate as possible.

There are many variables that go into determining what your investments will look like down the road. Since no one can predict the future with certainty, we can't guarantee our estimates.

But all the underlying assumptions and calculations are very carefully thought through, so what we show you is as accurate as possible.

All our suggestions are recommendations only. Your investments are completely your choice and responsibility. Fully research any investments before you decide.

The site isn't intended to provide insurance, legal, accounting, tax or medical advice.

Alerts, notifications and service communications

You agree to receive various transactional emails and mobile alerts. They won't contain marketing materials unless you agreed to receive them.

You can unsubscribe from marketing notifications at any time. It can take up to 10 business days to process. After you unsubscribe you still might receive transactional and other emails that we can send by law.

Electronic delivery

We're embracing the digital age so we'll limit paper where possible and send you things electronically.

If you prefer paper, contact us or update your notification preferences.

Here's the scoop on electronic documents:

  • Communication is key – let us know if you change your email address so we can send you important documents.
  • Read the documents we send – you are responsible for reviewing them.
  • Visit our site regularly and check for documents – keep in mind the delivery date is when we post it, not when you first access it. 
  • Make sure have the ability to open PDFs or other files we may provide you – we know you've probably already got this covered.
  • Documents don't live forever – be sure to download them and save them for your records.
  • Sometimes paper is necessary – when digital means aren't possible, we'll provide a paper copy.

Cancellation of your account or access to the site

Firstly, we can work this out. But you can cancel your online account at any time by giving us 30 days' written notice.

You may lose or have limited access to the site if your employer or association stops using the site.

Although this probably won't happen to you, we can cancel your access to the site and its services at any time without notice. We're not liable for any loss, damage or inconvenience.


We verify and keep a record of all transactions that you make with us. Those records are binding unless you can provide proof our records are incomplete or incorrect.

This is how we protect your privacy

Your privacy is important to us.

Your personal information:

  • We create a file that has your personal info
  • We keep your info in our offices or another company's that we've authorized
  • You can see your info and correct it by asking us in writing 

Who has access to your information:

  • Our staff, people we've authorized and anyone you've given permission
  • Trusted service providers
  • Public authorities if we have to give information to them by law

What your information is used for:

  • Managing your products or coverage
  • Providing illustrations and recommendations
  • Advising you about products and services that can help you plan your finances
  • Handling forms and actions for our or our associates' management of data

General disclaimer

We do our best to make sure all the information on our site is reliable and accurate, but we can't guarantee it.

Unless we specify, nothing on this site forms a contract (except for use of our site). If there's any difference between the info on this site and the terms of a product or service we or a third-party offer, the terms for that product or service rule.

We always try to make sure the site is working at its best but we can't guarantee you won't experience errors, interruptions or browser issues.

If you're using something on the site as the basis for a trade or deal of some sort, you use it at your own risk.

We aren't responsible for any loss or damages if you can't access the site or resulting from using it.

This agreement is governed by the laws of Manitoba and Canada and is binding on you and anyone acting on your behalf.

Your agreement to these terms replaces any previous versions.

If anything in this agreement turns out to be invalid, the rest of it still applies.