Effective Date: January 1, 2026
Welcome to Kamal Sattout Financial Services. These Terms and Conditions govern your use of this website. By accessing or using this website, you agree to comply with these Terms and Conditions. If you do not agree, please discontinue use of this website.
About Us
This website is operated by:
Kamal Sattout
Financial Security Advisor licensed in Quebec
Working with iA (Industrial Alliance) Financial Group
Saint-Laurent, Quebec, Canada
Phone: +1 (514) 909-4999
Email: Kamal.Sattout@agc.ia.ca
Website Purpose
This website is intended to provide general information about:
- Life Insurance
- Mortgage Protection
- Retirement Planning
- RRSP
- TFSA
- FHSA
- RESP
- Financial Protection Strategies
The information provided is for educational and informational purposes only and should not be considered financial, tax, legal, or insurance advice.
No Professional Advice
The content on this website is not intended to replace personalized advice from a licensed financial professional.
Recommendations regarding insurance or financial products are made only after reviewing your individual circumstances during a consultation.
No Guarantee of Coverage
Submitting a contact form or requesting a consultation does not:
- Guarantee insurance coverage
- Create an insurance contract
- Guarantee product approval
- Establish an advisor-client relationship
Coverage is subject to eligibility, underwriting requirements, and the terms and conditions of the applicable insurance provider.
Accuracy of Information
We strive to keep the information on this website accurate and up to date. However, we do not guarantee that all information is complete, current, or free of errors.
Insurance products, rates, eligibility requirements, and financial strategies may change without notice.
User Responsibilities
By using this website, you agree to:
- Provide accurate and truthful information.
- Use the website only for lawful purposes.
- Not attempt to interfere with the website’s operation or security.
- Not submit false, misleading, or fraudulent information.
Intellectual Property
All content on this website, including but not limited to:
- Text
- Graphics
- Images
- Icons
- Logos (except third-party trademarks)
- Website design
- Layout
- Downloadable materials
is protected by applicable intellectual property laws and may not be copied, reproduced, distributed, or modified without prior written permission.
Third-Party Links
This website may include links to third-party websites for your convenience.
We are not responsible for the content, accuracy, privacy practices, or availability of those external websites.
Accessing third-party websites is at your own risk.
Limitation of Liability
To the fullest extent permitted by law, Kamal Sattout shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:
- Use of this website
- Inability to access the website
- Reliance on website content
- Errors or omissions
- Technical interruptions
- Third-party services or websites
Privacy
Your use of this website is also governed by our Privacy Policy, which explains how personal information is collected, used, and protected.
Appointments and Consultations
Requesting a consultation through this website does not guarantee appointment availability.
Appointments are confirmed only after direct communication with Kamal Sattout or an authorized representative.
Electronic Communications
By submitting your information through this website, you consent to being contacted by:
- Telephone
- SMS (where consent has been provided)
for the purpose of responding to your inquiry or discussing insurance and financial planning services.
You may withdraw your consent to marketing communications at any time, subject to legal and contractual obligations.
Disclaimer Regarding iA Financial Group
Kamal Sattout is a Financial Security Advisor licensed in Quebec and working with iA (Industrial Alliance) Financial Group.
References to iA Financial Group on this website are for identification of professional affiliation only. This website is independently operated by Kamal Sattout and is not the official corporate website of iA Financial Group.
Governing Law
These Terms and Conditions shall be governed by and interpreted in accordance with the laws of:
- The Province of Quebec
- The applicable laws of Canada
Any disputes relating to these Terms and Conditions shall be subject to the jurisdiction of the courts of Quebec.
Changes to These Terms
We reserve the right to modify these Terms and Conditions at any time.
Any updates will be posted on this page along with the revised effective date.
Your continued use of the website constitutes acceptance of any updated Terms and Conditions.
Contact Information
If you have any questions regarding these Terms and Conditions, please contact:
Kamal Sattout
Financial Security Advisor licensed in Quebec
Working with iA (Industrial Alliance) Financial Group
Phone: +1 (514) 909-4999
Email: Kamal.Sattout@agc.ia.ca
Location: Saint-Laurent, Quebec, Canada
Last Updated: January 1, 2026