terms of use
By accessing or using this website, you agree to the following terms.
Effective Date: February 2026
1. Website Purpose
This website provides general information about group benefits and facilitates marketing and referral services. It does not provide insurance advice or insurance products.
2. No Insurance Advice
Happy Team Group Benefits is not licensed to sell or advise on insurance products. All insurance advice, quotes, and recommendations are provided by licensed insurance advisors.
You agree not to rely on this website as a substitute for advice from a licensed insurance professional.
3. No Warranties
Information on this website is provided “as is” without warranties of any kind. We do not guarantee accuracy, completeness, or applicability to your specific situation.
4. Limitation of Liability
To the fullest extent permitted by law, Happy Team Group Benefits shall not be liable for any loss or damages arising from:
Use of this website
Reliance on information provided
Services provided by licensed advisors or third parties
5. Third-Party Links
This website may link to third-party websites. We are not responsible for their content, privacy practices, or services.
6. Intellectual Property
All content on this website is owned by Happy Team Group Benefits unless otherwise stated and may not be reproduced without permission.
7. Governing Law
These Terms are governed by the laws of the Province of Ontario and the laws of Canada applicable therein.
8. Changes
We may update these Terms from time to time. Continued use of the website constitutes acceptance of updated Terms.
Helping Ontario employers find simple, affordable group benefits solutions for small and mid-sized teams.
© 2026 TruCare Group Insurance - All Rights Reserved.
Happy Team Group Benefits is a marketing and referral service and is not a licensed insurance agency or broker. Insurance products, advice, quotes, and recommendations are provided exclusively by licensed insurance advisors.
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