Terms and Conditions

Terms & Conditions

Last Updated: November 2025 

By using this website (“Site”), you agree to the following Terms & Conditions. If you do not agree, please stop using the Site immediately. These terms apply to all visitors, users, and clients who access or use Life & Legacy with Lisa.

1. Use of This Website

You agree to use this Site for lawful purposes only. You must not:

• misuse or interfere with the website’s security
  
  

• attempt to obtain unauthorized access
  
  

• use the Site to distribute spam, false information, or harmful content
  
  

Use of Website Content

All content on this website—including text, graphics, logos, branding, downloadable documents, forms, and educational materials—is the property of Life & Legacy with Lisa unless otherwise stated.
You may view and use this content for personal, non-commercial purposes only. Reproduction, distribution, modification, or republishing of any materials from this site is prohibited without prior written consent.
Unauthorized use may violate copyright, trademark, and other applicable Canadian laws.

2. No Professional Advice

All content on this Site is for general educational purposes only and is not financial, legal, tax, or medical advice.
Insurance decisions are made solely by Globe Life and its affiliated carriers.

For personalized advice, please contact a licensed professional.

3. Insurance Relationship

Life & Legacy with Lisa operates as an independent agent in partnership with AO | Globe Life.
All insurance products, underwriting, approvals, and policy decisions are the responsibility of Globe Life or its affiliates.

Submitting a form or booking a consultation does not create a client–advisor relationship until an application is submitted and approved.

4. Intellectual Property

All content on this Site—including text, images, branding, design, logos, and graphics—is the property of Life & Legacy with Lisa.
You may not copy, reproduce, distribute, or use content for commercial purposes without written permission.

5. Limitation of Liability

We make no guarantees that:

• the information on this Site is error-free
  
  

• the content is always current
  
  

• the website will always be available
  
  

Life & Legacy with Lisa is not responsible for:

• errors or omissions
  
  

• reliance on any information provided
  
  

• any loss or damages arising from using this Site
  
  

Use of this Site is at your own risk.

6. Third-Party Links

This Site may contain links to third-party websites.
We are not responsible for the content, accuracy, or privacy practices of those external sites.

7. User Submissions

By submitting any form or sending information through this Site, you confirm that:

• the information you provide is accurate
  
  

• you consent to being contacted
  
  

• you consent to information being shared with AO | Globe Life solely for insurance purposes
  
  

You must not submit false, misleading, or fraudulent information.

8. Privacy

Your use of this Site is also governed by our Privacy Policy, available at:
[Insert Privacy Policy Link]

9. Governing Law

These Terms & Conditions are governed by the laws of the Province of [Insert Province] and the applicable laws of Canada.

Any disputes must be handled in the courts of your province.

10. Updates to These Terms

We may update these Terms & Conditions at any time. The “Last Updated” date at the top of the page reflects the most recent version.

11. Contact Information

If you have questions about these Terms & Conditions, contact:

Life & Legacy with Lisa
Email:  lisakochis@aoglobelife.com
Province: Alberta