Terms and conditions of use

Technical requirements

Equitable Life Client Access™ ("Client Access") is best viewed on Internet Explorer 7 or higher or latest version of Mozilla Firefox, Google Chrome or Safari browsers with at least screen resolution of 800x600. In order to view and print documents, you will need Adobe Acrobat Reader ©, version 6.0 or higher. Please refer to the Adobe site if you need to download the Adobe software or if you have problems printing.

Your use of Equitable Life Client Access

When you use Client Access, you agree with, acknowledge, and consent to the Terms and Conditions set out below.

Only policy owners of The Equitable Life Insurance Company of Canada ("Equitable®") may use Client Access. You must keep your user ID and password confidential.

Client Access is provided on an as is and as available basis, without warranty of any kind. The entire risk of use of Client Access is with you. Equitable is not responsible for any harm, loss or damage that may arise in connection with your use of Client Access, including without limitation, any detrimental reliance that you may place upon Client Access and your online policy accounts information.

If you notice any errors or omissions concerning the information in your online policy accounts, please contact us as soon as possible. Equitable is not responsible for any errors or omissions where you have not provided us notice. While we have made every effort to ensure the accuracy of the information contained in your online policy accounts, we reserve the right to correct any errors and omissions.

Should you cease to be an Equitable policy owner, or should you not comply with these Terms and Conditions, your access to Client Access will be terminated.

You authorize us to carry out instructions

Use of your user ID and password when logging-in to Client Access is adequate identification of you. Equitable will act on instructions sent through Client Access without obtaining any further written or other confirmation from you.

When you give an instruction via Client Access, we will act on that instruction in accordance with the service time limits provided to you at the time you give the instruction. You agree that Equitable receives the instruction at the time you receive our confirmation of that instruction.

You are solely responsible for ensuring the accuracy, adequacy and completeness of all instructions given by you via Client Access. Equitable is not required to verify the accuracy, adequacy and completeness of your instructions. We will not be liable for any loss or damage to you as a result of your instructions being inaccurate, inadequate or incomplete in any manner.

You will be liable for all losses due to unauthorised use of Client Access if you have acted fraudulently or negligently or if you have not kept/maintained the confidentiality of your user ID and password. You are obligated to notify us as soon as you discover or suspect that your user ID or password has been obtained by or known to someone else.

Equitable may, if we believe we are justified in doing so:

  • refuse to carry out an instruction given via Client Access; or
  • require written confirmation from you of a particular instruction.

If we believe that an instruction may not have been properly authorized by you, Equitable will be entitled, after making reasonable efforts to check whether it was properly authorized by you, to take steps to reverse any action taken on the basis of that instruction. Equitable will not be responsible for any loss to you that results from such a reversal.

Links to web sites

Should Client Access link you to the Equitable website, your use of the website is subject to the terms and conditions for use set out in our website http://client.equitable.ca.

Should Client Access allow access to services provided by third parties or access to third party web sites, you will be subject to the third party's terms and conditions for use. Equitable is not responsible in any manner for your use and access to these third party services and sites. Equitable does not endorse such use and will have no liability or responsibility to you or any other person for such use. It is your responsibility to secure all information and professional advice you feel is necessary before using third party services and sites.


When you use Client Access, you will be accessing your online policy accounts and personal information through a secure website. You consent to your policy accounts information being shared with a third party service provider to facilitate Client Access. This third party complies with all Privacy legislation and we have ensured the privacy of your information with this third party. Should you have any questions or concerns regarding your information, please go to "Contact Us" below. Equitable's Privacy Policy, which can be accessed at http://www.equitable.ca, applies to your personal information.

If you contact us by email, please note that sending your confidential and personal information through the internet is not secure. Email is vulnerable to interception. While we have taken appropriate measures to ensure the security and confidentiality of your information in Client Access, Equitable cannot ensure the privacy of information sent by email.

Equitable may collect and use technical data, including but not limited to your IP address and technical information about your operating system and browser, to improve your use of Client Access and to provide modifications, new versions, support and any services regarding Client Access. The data will only be used to improve Client Access.

Transmission protocol

Client Access uses the SSL (Secure Socket Layer) communications protocol to send information to and from your workstation. The role of this protocol, recognized by the most popular Web browsers (Mozilla Firefox, Explorer), is to encrypt the data during transmission so that unauthorized persons cannot read it.

Inactivity delay

While you are logged into Client Access, marker files (cookies) are placed on your workstation. These files register the time of your last use of Client Access, and maintain your session active. When you access a page, the server verifies the amount of time that has passed since your last request. If more than the maximum number of minutes has gone by since your last system interaction within the same session, the server will ask you to re-enter your user ID and password.

Important information

To assist us with maintaining the security and confidentiality of your information in Client Access, we request that you comply with the following rules:

  • Keep your user ID and password confidential, and do not save your password on your computer;
  • Log into Client Access only once per session under the same user ID;
  • Do not log into Client Access under two different user IDs during the session. Exit your session and then log in with the different user ID;
  • Do not deactivate "cookies" on your Web browser;
  • Use the Log-out button to securely quit your session. If you do not, access could be available to other users of your computer.

Consent and agreement to electronic delivery of documents

Trademarks and Copyright: Equitable, Equitable Life, Equitable Life of Canada, the Lighthouse design and Equitable Life Client Access are trademarks of The Equitable Life Insurance Company of Canada.