Terms & Conditions

Please read these terms carefully. They form a legal agreement between you and ClearBenefits.ca Inc., operating as ClearSales.ca Corporate Sales Solutions, covering both this website and the programs we deliver.

1. Agreement to these terms

By accessing this website, submitting a form, purchasing a program, or participating in ClearSales.ca training, you agree to these Terms & Conditions and to our Privacy Policy. If you do not agree, please do not use the site or our services. If you are agreeing on behalf of a company or organization, you confirm you have the authority to bind it.

2. Who we are

ClearSales.ca Corporate Sales Solutions is a registered business name of ClearBenefits.ca Inc., a Canadian company located at 338 – 1641 Lonsdale Avenue, North Vancouver, British Columbia V7M 2J5. ClearBenefits.ca Inc. is the contracting party under these terms and is the entity that provides the site, the materials, and the programs.

In these terms, “ClearSales.ca,” “we,” “us,” and “our” mean ClearBenefits.ca Inc. operating as ClearSales.ca Corporate Sales Solutions. “You” means the person using the site or our services and, where that person is acting for a company or organization, that organization as well.

3. Using this website

You may use this site for lawful purposes and for your own business or professional use. You agree not to:

• copy, scrape, republish, or redistribute site content except as section 11 permits;
• use the site to send spam, harvest contact information, or transmit malicious code;
• attempt to gain unauthorized access to the site, the member portal, or any account, system, or network connected to them;
• interfere with the operation of the site or with anyone else’s use of it; or
• misrepresent your identity, your organization, or your affiliation with us.

We may suspend or withdraw access to the site, or to any program, without notice if we reasonably believe these terms have been breached.

4. Training is educational, not advice

ClearSales.ca provides sales training, coaching, consulting, and sales enablement support. Our materials, courses, assessments, guides, templates, scripts, and workbooks are educational and are not a substitute for legal, tax, accounting, compliance, underwriting, carrier, regulatory, or licensing guidance.

Nothing on this site or in our programs is insurance advice, financial advice, or a recommendation about any specific insurance or financial product. Our compliance-related materials — including any guide addressing CASL, CRTC telemarketing rules, PIPEDA, or the Competition Act — are general information current as of their publication date and are not legal advice. Laws change and their application depends on your circumstances. You are responsible for your own compliance and for confirming your obligations with your own advisors, your carriers, your MGA, and your regulator before acting.

5. Enrollment, pricing, and payment

Prices are shown in Canadian dollars unless stated otherwise and are exclusive of applicable taxes unless the checkout page says otherwise. Prices, promotions, discount codes, program content, schedules, and instructors may change; the price and details in effect when you complete your purchase apply to that purchase.

Payments are processed by Stripe. Your purchase is complete when payment is confirmed and we send access or enrollment details. We may decline or cancel an enrollment and refund the amount paid — for example if a session cannot run, if a price was published in error, or if the enrollment appears fraudulent.

Where a program is offered on a recurring or subscription basis, the billing frequency and cancellation method are described at checkout, and you may cancel future renewals as described there or by emailing us.

6. Refunds and cancellations

Refund terms are stated on the enrollment or checkout page for each program, and those terms govern that purchase. Where no specific terms are stated, the following applies:

• Live sessions and workshops. You may reschedule or request a refund up to 7 days before the first session. Within 7 days, we will apply the fee as a credit toward a future session.
• Self-paced and digital materials. Because access is delivered immediately, downloadable and self-paced material is non-refundable once accessed or downloaded.
• Cancellation by us. If we cancel a session and cannot offer a reasonable alternative date, you receive a full refund of the amount paid for it.

Free resources, guides, and assessments carry no fee and no refund obligation. If something has gone wrong with a purchase, email us — we would rather sort it out than argue about a clause.

7. Program access and participant conduct

Access to a course, portal, or program is granted to one named participant and is not transferable without our written consent. Do not share your login, recordings, or materials with people who have not enrolled.

Participants are expected to engage respectfully in live sessions, roleplays, and group settings. Client information, employer information, and other participants’ business information shared during a session is to be treated as confidential and not repeated outside it. We may remove a participant from a session or program for conduct that is abusive, disruptive, or in breach of these terms, without refund.

Sessions may be recorded for participant review. We will tell you when a session is being recorded.

8. Certificates and completion

Certificates issued by ClearSales.ca confirm completion of a ClearSales.ca program, including any required assignments and evidence of field execution. They are not a professional designation, licence, accreditation, or regulatory credential, and they do not authorize anyone to sell, advise on, or transact insurance or financial products. Continuing education credit is not implied unless we state in writing that a specific program has been accredited by a named body. Where an employer or organization sponsors your participation, we may report your attendance, assignment, and completion status to that sponsor.

9. Organization and enterprise engagements

Training delivered to an agency, brokerage, MGA, insurer, association, or other organization is governed by the proposal, statement of work, or written agreement for that engagement. Where that agreement conflicts with these terms, that agreement governs for that engagement. An organization that provides us with participant information is responsible for having the authority to do so and for notifying its people as required by privacy law.

10. Business Association membership

Membership provides access to selected resources, updates, training opportunities, and access pathways to approved member programs where eligible. Membership benefits, eligibility criteria, and fees may change on reasonable notice. Membership is not an insurance product, a benefits plan, a professional association designation, or a licensing body, and it does not create an employment, agency, partnership, or joint venture relationship between us.

11. Intellectual property

All content on this site and in our programs — including textbooks, workbooks, facilitator guides, rubrics, scorecards, trackers, dashboards, slides, recordings, assessments, checklists, text, graphics, logos, and the ClearSales.ca and ClearBenefits.ca names and marks — is owned by ClearBenefits.ca Inc. or its licensors and is protected by copyright and trade-mark law. The names and marks ClearSales.ca and ClearSales.ca Corporate Sales Solutions are used under the authority of ClearBenefits.ca Inc.

When you purchase or are enrolled in a program, we grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use the materials for your own sales practice, including using scripts and templates in your own client work. You may not resell, sublicense, publish, post publicly, or use our materials to build or deliver competing training, and you may not use them to train an organization’s team beyond the participants covered by your purchase, without our written permission. You may not remove copyright or ownership notices. This licence ends if your access is terminated for breach of these terms.

12. Your submissions and feedback

You keep ownership of the assignments, worksheets, and materials you create during a program. By submitting them to us for review, you allow us to use them for the purpose of coaching and assessing your work. If you give us a testimonial, review, or feedback, you allow us to use it — including your name, title, and organization — in our marketing, unless you tell us otherwise. You are responsible for ensuring anything you submit does not contain confidential client information you are not permitted to share.

13. Third-party links, platforms, and programs

This site links to third-party websites, scheduling and payment platforms, other brands in the ClearBenefits.ca ecosystem, and partner programs such as Convenient Care Plus. We do not control those services and are not responsible for their content, availability, products, pricing, or practices. Your dealings with them, including any purchase or enrollment, are between you and them and are subject to their terms and privacy policies. Any product, plan, or benefits program referenced through this site is governed solely by its own contract, policy wording, or plan documents.

14. No guarantee of results

Sales results depend on your market, your effort, your activity levels, your existing relationships, your product access, economic conditions, and many factors outside our control. Examples, case studies, and figures shown on this site illustrate what is possible and are not a promise, projection, or guarantee of income, sales, quote volume, retention, or business growth. You are responsible for the business decisions you make.

15. Disclaimer of warranties

The site and our materials are provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted or error-free, that defects will be corrected, or that the site or its server is free of harmful components. Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you.

16. Limitation of liability

To the fullest extent permitted by law, ClearBenefits.ca Inc. (including its ClearSales.ca Corporate Sales Solutions business) and its directors, officers, employees, facilitators, and contractors are not liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, or for lost profits, lost revenue, lost business, lost data, or lost opportunity, arising out of or relating to the site, our materials, or our programs, even if we have been advised of the possibility of such damages.

Our total aggregate liability arising out of or relating to the site, our materials, or a program is limited to the amount you paid us for the program giving rise to the claim in the twelve months before the claim arose, or CAD $100 where no fee was paid. Nothing in these terms excludes liability that cannot be excluded by law.

17. Indemnity

You agree to indemnify and hold us harmless from claims, losses, and reasonable legal costs arising from your breach of these terms, your misuse of the site or our materials, your infringement of anyone’s rights, or your use of scripts, templates, or outreach methods in a way that does not comply with applicable law, carrier requirements, or your regulatory obligations.

18. Privacy

Personal information is handled in accordance with our Privacy Policy, which forms part of these terms.

19. Changes to these terms

We may update these terms from time to time. The effective date at the top of this page shows when the current version took effect. Changes apply from the date they are posted and do not change the terms that applied to a purchase you already completed. Continuing to use the site after a change means you accept the updated terms.

20. Governing law

These terms are governed by the laws of the Province of British Columbia and the federal laws of Canada that apply there, without regard to conflict of laws rules. You agree to the exclusive jurisdiction of the courts of British Columbia, subject to any right you have under consumer protection law to bring a claim where you live.

21. General

If any provision of these terms is found unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver of it. These terms, together with any proposal, statement of work, or checkout terms for a specific program, are the entire agreement between us on this subject. You may not assign your rights under these terms without our written consent; we may assign ours in connection with a sale or reorganization of the business. Sections 11, 14, 15, 16, and 17 survive termination.

22. Contact us

These terms are provided for transparency about how we do business and are not legal advice. Related: Privacy Policy.