Website Terms of Use
Last updated: October 8, 2026
1. Introduction and Acceptance of Terms
Welcome to the website of Schweta Mwamba Insurance & Investment Solutions (“we,” “us,” or “our”).
These Website Terms of Use (“Terms”) govern your access to and use of www.mwambainsuranceadvisors.com (the “Website”).
By accessing or using the Website, you agree to comply with these Terms. If you do not agree with them, please discontinue your use of the Website.
These Terms apply to the Website and do not replace any separate agreements, disclosures, applications or contractual terms associated with insurance or financial products.
2. About Our Services
Schweta Mwamba Insurance & Investment Solutions is the professional practice of Schweta Mwamba, a licensed insurance advisor affiliated with Customplan Financial Advisors Inc., a managing general agency.
The Website provides general information about insurance protection, related financial products, planning considerations and the advisory services available through the practice.
Services may include life insurance, living benefits, health-related insurance, business protection, employee benefits and certain savings or investment-related insurance products, subject to applicable licensing, product availability and individual circumstances.
Schweta Mwamba is not licensed to provide advice or execute transactions involving mutual funds, individual stocks or bonds.
Customplan Financial Advisors Inc. and participating insurers or financial product providers are separate organizations with their own responsibilities, policies and contractual arrangements.
3. General Information — Not Personalized Advice
The content on this Website is provided for general informational and educational purposes only.
It is not intended to constitute personalized insurance, investment, tax, legal, accounting or other professional advice.
Information presented on the Website may not take into account your individual circumstances, financial situation, objectives, existing coverage or particular needs.
Before making decisions about insurance or financial products, you should obtain appropriate advice based on your circumstances and review the relevant product documentation.
Where appropriate, you should consult a qualified tax, legal or other professional advisor.
Nothing on this Website should be interpreted as a recommendation to purchase, replace, cancel or modify a particular insurance policy or financial product.
4. No Advisor–Client Relationship Created by Website Use
Browsing the Website, reading its content or submitting an inquiry through the Contact page does not, by itself, establish a formal advisor–client relationship.
An advisory relationship may develop through subsequent discussions, appropriate information gathering, applicable disclosures and other steps required for the services requested.
Submitting a contact form does not constitute an insurance application, an instruction to purchase coverage or a request to execute a financial transaction.
No insurance coverage is created, amended, renewed or cancelled through the Website.
5. Licensing and Geographic Availability
Insurance and related financial services are subject to applicable licensing and regulatory requirements.
Schweta Mwamba's services are available only where she holds the necessary authorization and where the relevant products and services may lawfully be offered.
Schweta Mwamba is licensed in Alberta for the product categories within her applicable licensing authority.
The availability of any product or service may vary by province, insurer, product provider, eligibility requirements and other circumstances.
Accessing the Website from another province, territory or country does not mean that all products or services described are available in that location.
Nothing on the Website constitutes an offer or solicitation in a jurisdiction where such an offer or solicitation would be unlawful.
6. Insurance and Financial Product Information
Descriptions of insurance and financial products on the Website are general summaries intended to help visitors understand available categories of protection and planning considerations.
Actual products may be subject to specific terms, conditions, exclusions, limitations, eligibility requirements, underwriting decisions, fees, charges and other provisions.
Coverage is not guaranteed. Applications may be approved, declined, postponed or offered on modified terms by the relevant insurer.
Premiums, benefits, product features and availability may change.
Any illustrations, examples or hypothetical scenarios presented on the Website are for explanatory purposes unless expressly stated otherwise.
For segregated funds and other investment-related insurance products, values and returns may fluctuate, and applicable guarantees are subject to the terms of the relevant contract.
Past performance, where discussed, does not guarantee future results.
In the event of a difference between a general description on this Website and the applicable policy, contract or official product documentation, the governing product documents will determine the contractual rights and obligations, subject to applicable law.
7. Accuracy and Currency of Website Information
We make reasonable efforts to present information that is accurate, clear and relevant.
However, insurance products, financial considerations, legislation, regulations and industry practices may change over time.
We do not guarantee that all Website information will always be complete, current or free from errors.
Content may be corrected, updated, modified or removed without prior notice.
Visitors should not rely exclusively on Website information when making significant financial or insurance decisions.
You are encouraged to contact Schweta Mwamba to discuss current product information and your individual circumstances.
8. Contact Forms and Electronic Communications
The Website includes a contact form intended to help visitors request information or arrange an initial conversation.
When using the contact form, you agree to provide accurate contact information and to use the form for legitimate inquiries.
Please do not submit sensitive medical information, Social Insurance Numbers, banking credentials, detailed financial records or other confidential documents through the general contact form.
Information submitted through the Website is handled in accordance with our Privacy Policy.
Although we make reasonable efforts to respond to inquiries, submission of a message does not guarantee a response within a particular timeframe or create an obligation to provide services.
Electronic communications may be subject to technical failures, delays or security risks.
For time-sensitive insurance matters, including policy deadlines, coverage changes, cancellations or claims, you should contact the appropriate advisor, insurer or product provider directly using an appropriate communication channel.
10. Intellectual Property
Unless otherwise indicated, the Website's original text, design, branding, graphics and other materials are owned by Schweta Mwamba Insurance & Investment Solutions or used with permission from their respective owners.
The Website may also contain trademarks, logos, images or other materials belonging to Customplan, insurers, product providers or third parties.
Such materials remain the property of their respective owners.
You may access, view and print reasonable portions of the Website for personal, non-commercial informational purposes.
You may not reproduce, republish, distribute, modify, commercially exploit or otherwise use substantial portions of the Website's content without appropriate permission, except as permitted by applicable law.
Nothing on the Website grants ownership of, or a licence to use, any trademark or other protected intellectual property beyond the limited use expressly permitted by these Terms.
11. Acceptable Website Use
You agree to use the Website lawfully and responsibly.
You must not:
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Attempt to gain unauthorized access to the Website or its systems.
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Interfere with the Website's operation, availability or security.
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Introduce malicious code or engage in activities intended to damage or disrupt the Website.
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Use contact forms to transmit spam, fraudulent messages, unlawful material or abusive content.
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Misrepresent your identity or submit information intended to deceive.
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Use automated systems to collect Website content or information in a manner that violates applicable law or the rights of others.
We may take reasonable steps to protect the Website and address misuse, subject to applicable law.
12. Third-Party Websites and External Links
The Website may contain links to external websites, including insurers, financial product providers, professional organizations, regulatory bodies, social media platforms and other information resources.
These links are provided for convenience or informational purposes.
Unless expressly stated otherwise, a link does not constitute an endorsement, recommendation or guarantee of the external website or its content.
We do not control third-party websites and are not responsible for their content, availability, accuracy, security or privacy practices.
When visiting an external website, you should review its applicable terms of use and privacy policy.
13. Website Availability and Technical Limitations
We aim to maintain a functional and accessible Website.
However, the Website may occasionally be unavailable due to maintenance, technical issues, service-provider interruptions, security incidents or circumstances beyond our reasonable control.
We do not guarantee uninterrupted access or that the Website will be free from all technical errors, harmful components or security vulnerabilities.
You are responsible for taking reasonable precautions when accessing the Website, including maintaining appropriate device and browser security.
We may modify, suspend or discontinue Website features where reasonably necessary.
14. Disclaimer of Warranties
To the extent permitted by applicable law, the Website and its general informational content are provided on an “as available” basis, without guarantees that the content will meet every visitor's particular requirements.
While reasonable care is taken in preparing Website information, we do not make representations or warranties concerning its absolute completeness, uninterrupted availability or suitability for any particular financial decision.
Nothing in these Terms excludes or limits any representation, warranty, obligation or right that cannot lawfully be excluded or limited.
15. Limitation of Liability
To the extent permitted by applicable law, Schweta Mwamba Insurance & Investment Solutions and persons acting on its behalf will not be responsible for losses arising solely from technical interruptions, unauthorized third-party interference or reliance on general Website information without obtaining appropriate individualized advice, where such losses are not attributable to a breach of an applicable legal duty.
Nothing in these Terms is intended to exclude or restrict liability for fraud, wilful misconduct, negligence or other matters to the extent such liability cannot lawfully be excluded or restricted.
These Terms do not limit any rights or remedies available to consumers under applicable law.
Nothing in this section modifies the obligations that may arise under a separate advisor–client relationship, insurance policy or other applicable contract.
16. Changes to These Terms
We may revise these Terms from time to time to reflect changes in the Website, our services, business practices or applicable legal requirements.
The current version will be posted on this page with its last-updated date.
Changes will apply prospectively from their stated effective date, subject to applicable law.
We encourage visitors to review these Terms periodically.
17. Governing Law
These Terms are governed by the applicable laws of the Province of Alberta and the federal laws of Canada applicable in Alberta, subject to any mandatory legal protections or jurisdictional rules that apply.
Nothing in these Terms limits rights or remedies that cannot lawfully be waived.
18. Contact Information
For questions about these Website Terms of Use or the general information presented on this Website, please contact:
Schweta Mwamba Insurance & Investment Solutions
Schweta Mwamba — Licensed Insurance Advisor
Affiliated with Customplan Financial Advisors Inc.
Phone: (780) 851-4133
Website: www.mwambainsuranceadvisors.com
Email: contact[AT]mwambainsuranceadvisors.com