The calculators are intended to provide general information about your needs based on information and assumptions provided by you. As a result, the accuracy of this information is not guaranteed and is dependent upon the accuracy of the information that you provided. Results may vary depending on your individual circumstances. This calculator does not ensure the availability of or your eligibility for any specific product or amount of insurance. The calculated information is provided for illustrative purposes only and does not constitute a binding commitment. It is always a good idea to consult your tax, legal, and banking advisors regarding your specific situation. There may be other factors that you will need to consider when ultimately deciding how much is appropriate to spend to meet each of these needs. This information is not intended to offer any tax, legal, or binding financial advice.
FinWise Terms and Conditions
Last updated: 23 March 2020
These Terms and Conditions (the “Terms”) constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“You”) and Total Benefits Specialists Limited (“the Company”/’we”/”our”), concerning your access to and use of our Application (“App”). You acknowledge that by accessing the App, you have read, understood and agree to the following Terms. If you do not agree with all these terms, then you are expressly prohibited from using the app and you must discontinue use immediately. The Company may make changes to these Terms from time to time. If the Company makes changes, we will post the amended Terms within the App and update the “Last update” date above. The Company may also attempt to notify you by sending an email notification to the address associated with your account or providing notice via the App. Unless, otherwise stated in our notice, the amended Terms will be effective immediately and your continued access to and use of the App after notice, will confirm your acceptance of the changes. If you do not agree to the amended Terms, you must stop accessing and using the App.
USERSThe App is intended for users who are at least 18 years of age. Persons under the age of 18 years are not permitted to register for the App.
INTELLECTUAL PROPERTY RIGHTSUnless otherwise indicated, the App is our proprietary property and all source code, databases, functionality, software, app design, video, audio, text, photographs, graphs and graphics on the App (collectively referred to as the “Content”) and the trademarks, service marks and logos contained therein (collectively referred to as the “Marks”) are owned or controlled by the Company or licensed to us, and are protected by copyright and other associated laws of Trinidad and Tobago. Except as expressly provided in these Terms, no part of the App and no Content or Mark may be downloaded, copied, reproduced, transmitted, stored, sold, distributed or licensed or otherwise exploited without the prior written consent of the Company.
LICENSE TO USESubject to your agreement to and compliance with these Terms, The Company grants to you a non-exclusive, non-transferable, non-sharable, revocable, limited license to access and use the App and to download or print a copy of any portion of the Content to which you have properly gained access solely for your personal, non-commercial use.
USER REPRESENTATIONSBy using the App, you represent and warrant that: (1) all registration information you submit will be true, accurate, current and complete; (2) you have the legal capacity and you agree to comply with these Terms; (3) you are not under the age of 18 years; (4) you will not access the App through automated or non-human means; (5) you will not use the App for any illegal or unauthorized purpose; (6) your use of the App will not violate any applicable law or regulation.
USER REGISTRATIONYou may be required to register with the App. You agree to keep your password confidential and will be responsible for all use of your account and password. The Company reserves the right to remove, reclaim or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.
PROHIBITIONYou agree to use the App in accordance with these Terms and applicable laws and regulations. As a user of the App, you agree not to (1) systematically retrieve data or other content from the App to create, compile, directly or indirectly, a collection, compilation, database or directory without written permission from the Company; (2) impersonate another person, user or attempt to use another User’s account or log into an account which you are not authorized to access (3) use the App to advertise or offer to sell goods or services; (4) trick, defraud, or mislead the Company and other users, especially in an attempt to learn sensitive account and financial information; (5) engage in unauthorized framing of or linking to the App; (6) interfere with , disrupt, or create an undue burden on the App or the networks or services connected to the App (7) use the app as part of any effort to compete with the Company or otherwise use the App and/or the Content for any revenue generating endeavor or commercial enterprise; or (8) upload or transmit (or attempt to upload or transmit) viruses, trojan horses or other material that interferes with any party’s uninterrupted use and enjoyment of the App, or modifies, impairs, disrupts, alters or interferes with the use, features, functions, operations or maintenance of the App.
TERMINATIONIf you are in breach of any of these Terms, the Company reserves the right, in our sole discretion to terminate your right to access or use the App. The Company is not responsible for any loss, damage or harm related to your inability to access or use the App based on such termination.
GOVERNING LAWThese Terms and your use of the App are governed by and construed in accordance with the laws of Trinidad and Tobago.
Last updated: October 2020
WHY THIS MATTERSWe want to build an indispensable platform to aid our users in making smart comparisons and to afford us the information required to give sound recommendations. Knowing certain things will help us do that better. Please be sure to read this entire Policy before using or submitting information through the web-app. By using or submitting information through the use of the web-app, you are indicating that you agree to the collection, transfer, manipulation, storage, disclosure and other uses of your Personal Data as described in this Policy and to be bound by the terms of this Policy.
CHANGES TO THE POLICYWe may change this Policy from time to time, so please review this page periodically for changes. If we make any material changes to this Policy, we will notify you either by placing a notice on our web-app, or by contacting you through the email address you have provided to us upon sign up. The “Effective Date” provided at the top of this page will indicate when the Policy was most recently updated.
PERSONAL DATAWe collect Personal Data from you when you voluntarily provide such information, such as; when you access the web-app, access, complete and/or use our online forms/questionnaires, calculators, tools or content items or contact us with queries. To effectively use the web-app you may be required to complete online forms/questionnaires and calculators and therefore may be required to provide Personal Data in order to receive the most accurate outcome.
Account RegistrationIf we have registration and/or log-on experience, this would include the information we collect when you create an account such as name, email address, password and/or other information to provide account related functionalities to our users.
Demographic Data/ Personal InformationThis information may include your name, address, email address, phone number, age, sex, marital status, nationality.
Personal RecordsMedical history, health, property and life insurance information, income, ownership or rental history, employment status, expenses, investment information and other information.
Feedback and SupportIf you provide us feedback or contact us for support, we may collect your name, email address and phone number, as well as any other content that you send to us. We collect and use this data based upon our business need to receive and act upon your feedback or issues.
SurveysIf you voluntarily submit certain information to our web-app, such as filling out a survey about your user experience, we may collect the information you have provided. We may collect this information to understand your opinions, better market our services and to collect relevant information about our business.
Other InformationInformation we may collect which is not specifically listed here, is described in this Policy or is otherwise disclosed at time of collection. FinWise collects Personal Data from you to, in part, provide you with personalised content and results related to your financial position, but TBSL is not a lender, credit card issuer, banking institution, investment institution or other similarly situated financial institution. Any investment, loan or related product to which you may become a party is solely transacted between you and the applicable provider and is not a part of our services. By voluntarily providing us with Personal Data, you are consenting to our use of it in accordance with this Policy. You represent that the Personal Data you provide is true, accurate, current and complete, and that you have the authorisation to provide it to us.
INFORMATION AUTOMATICALLY COLLECTEDWhenever you interact with the web-app, we may automatically receive and record information from your computer, browser and/or mobile device, which may include the following:
IP AddressesThe requests you make to FinWise may contain your IP address (the Internet address of your computer. We may use visitors’ IP addresses for various purposes, including to display customised content and analyse and report upon usage of the web-app; to diagnose and prevent service or technology problems affect the web-app; and to monitor and prevent fraud and abuse.
Device IDsWe may collect information on the type of device you are using, operating system, settings, browser and OS information, unique device identifiers, network information and other device-specific information. The information collected may depend on the type of device you use and its settings.
Location DataWe may collect location data based on your IP address and the geolocation of your device. We collect this data to better tailor our services to you and to help provide service offerings available to you in your geographic area.
Usage InformationWe collect information about how you use our services, such as the categories of content that you view or engage with, the features you use, the actions you take, and the time, frequency and duration of your activities on the web-app.
OUR USE OF YOUR PERSONAL DATA AND OTHER INFORMATIONTBSL and FinWisE uses the Personal Data you provide in a manner that is consistent with this Policy. Generally, we may use information we collect in the following ways: • To identify and personalise the outcomes and recommendations when you visit our web-app. • To provide products and services. • For fraud and information security. • To improve the information provided on the web-app. • To conduct analytics such as usage trends. • To respond to inquiries related to support or other requests. • To send marketing and promotional materials about the web-app. • To manage our relationships. • To build aggregated user profiles and segments. If you provide Personal Data for a certain reason, we may use the Personal Data in connection with the reason for which it is provided. For instance, if you contact us by email or provide feedback in any way such as to ask a question or report an issue with the web-app, we will use the Personal Data you provide to answer your question or resolve your problem. TBSL and our affiliate, Global Financial Brokers Limited may also use your Personal Data and other personally non-identifiable information collected through the web-app to help us improve the content and functionality of the web-app, to better understand our users and to improve the services.
OUR DISCLOSURE OF YOUR PERSONAL DATATBSL is not in the business of selling your information to third parties. There are, however, certain circumstances in which we may share your Personal Data with certain third parties without further notice to you, as set forth below:
Certain Business PartnersWhen we partner with other businesses to provide information or services to you or to such business partners, we may share relevant Personal Data in connection with such content or services. For example, we will share your name or contact information with an investor and/or insurer if the information you provide in one of our online questionnaires or tools matches certain product criteria or is requested by you.
Business TransfersIn the event of a corporate sale, merger, dissolution, acquisition or similar event, Personal Data may be part of the transferred assets. Your Personal Data could also be shared with professional advisors and counterparties during such events.
Related CompaniesWe may also share your Personal Data with TBSL’s subsidiary companies for purposes consistent with this Policy.
Agents, Consultants and Related Third PartiesTBSL, like many businesses, sometimes hires other companies to perform certain business-related functions. Examples of such functions include maintaining databases and providing marketing assistance. When we employ another entity to perform a function of this nature, we only provide them with the information that they need to perform their specific function.
Legal RequirementsTBSL may disclose your Personal Data if required to do so by law or in the good faith belief that such action is necessary to (1) comply with a legal obligation, (2) to protect and defend the rights or property of TBSL, (3) act in urgent circumstances to protect the safety of users of FinWisE or the public, or (4) protect against legal liability.
OTHER IMPORTANT INFORMATION
ExclusionsThis Policy does not apply to any Personal Data collected by TBSL other than Personal Data collected through FinWisE. This Policy shall not apply to any unsolicited information you provide to TBSL through the web-app or through any other means. All unsolicited information shall be deemed to be non-confidential and TBSL shall be free to reproduce, use, disclose and distribute such unsolicited information to others without limitation or attribution.
Children’s Privacy OnlineTBSL does not knowingly collect Personal Data from children under the age of sixteen (16). If you are under the age of 16, please do not submit any Personal Data through the web-app. We encourage parents and legal guardians to monitor their children’s internet usage and to help enforce our Policy by instructing their children never to provide Personal Data on the web-app without their permission. If you have reason to believe that a child under the age of 16 has provided Personal Data to TBSL through the web-app, please contact us, and we will endeavour to delete that information from our databases.
SecurityTBSL takes reasonable steps to protect the Personal Data provided via the web-app from loss, misuse and unauthorised access, disclosure, alteration and destruction. However, no Internet or email transmission is ever fully secure or error free. In particular, emails sent to and from the web-app may not be secure. Therefore, you should take special care in deciding what information you send to us via email. By using the web-app or providing Personal Data to us, you agree that we may communicate with you electronically regarding security, privacy and administrative issues relating to your use of the web-app. If we learn of a security system’s breach, we may attempt to notify you electronically by posting a notice on the web-app or by sending an email to you.
Are you planning a family or financially responsible for a dependent?
Are you planning to change your career or further your education?
Are you saving to acquire or renovate a property?
Are you saving towards a special upcoming event?
Are you financially on track for Retirement?
Are you and your family adequately insured?