Welcome to Optiom.com, bamboofinancing.com, and o2insuranceservices.com, the websites of Optiom Holdings Inc. and its subsidiaries (collectively, the “Company”)

These Terms of Use (“Terms”) govern your access to and use of our Canadian website(s), online services, and digital platforms (collectively, the “Website” or “Websites”).

By accessing or using this Website, you agree to comply with these Terms.
If you do not agree, please do not use this Website.

1. Acceptance of Terms

By using this Website, you acknowledge that you have read and understood these Terms and agree to be bound by them.
We may modify or update these Terms at any time without prior notice by posting a new version on this page.
Your continued use of the Website after such updates constitutes acceptance of the revised Terms.

2. General Information Only – No Financial Advice

The content on this Website is provided for general informational purposes only.
It is not intended as financial, investment, insurance, or legal advice and should not be relied upon as such.
If you require financial or insurance advice specific to your situation, you should consult a licensed financial advisor or insurance professional.

Some materials, tools, or articles on this Website may come from third parties.
We make reasonable efforts to ensure accuracy, but do not guarantee or endorse third-party content.
The Company is not responsible for any errors, omissions, or opinions provided by third parties.

3. Third-Party Links and Websites

The Websites may contain links to third-party websites for your convenience.
We do not control and are not responsible for the content, accuracy, or security of those sites.
You access third-party websites at your own risk and should review their own terms of use and privacy policies before interacting with them.

You may not create links to this Website, frame its pages, or reproduce its content without our prior written consent.

4. Information You Provide

You agree that any information you provide to the Company through this Website is accurate, complete, and current.
Providing false, misleading, or fraudulent information—or using another person’s identity—may result in suspension or termination of services and could lead to legal action.

If you need to correct or update your information, please contact us using the details below.

5. Intellectual Property Rights

All content and materials on this Website—including text, graphics, images, software, layout, and design—are protected by Canadian copyright and trademark laws and are owned or licensed by the Company or its affiliates.

Trademarks: All Company names, logos, and related marks are the property of the Company and its affiliated companies.
You may not use these marks without prior written permission.

Copyright: All Website content is protected by the Copyright Act (Canada).
You may view and print pages for personal, non-commercial use only.
Any reproduction, modification, distribution, or republication of materials without authorization is prohibited.

6. Acceptable Use

When using the Websites, you agree not to:

  • Copy, extract, or scrape content for commercial or competitive purposes;
  • Use bots, spiders, or automated scripts to access or collect data;
  • Interfere with the Website’s operation, security, or accessibility;
  • Attempt unauthorized access to systems, accounts, or data; or
  • Use the Website in any way that could damage our reputation or infringe on intellectual property rights.

Unauthorized use may result in legal action.

7. Changes to Website or Services

We may modify, suspend, or discontinue any part of the Websites or their content at any time, without prior notice.
We may also restrict or terminate access to any user who violates these Terms or uses the Websites unlawfully.

8. Limitation of Liability

To the maximum extent permitted by Canadian law, the Company and its affiliates are not liable for any direct, indirect, incidental, consequential, or special damages arising from or connected to:

  • Inaccurate, incomplete, or outdated Website information;
  • Temporary unavailability or technical issues;
  • Login or transaction errors;
  • Inability to access products or services;
  • Failures by third-party payment or service providers; or
  • Cybersecurity incidents such as hacking, malware, or data breaches.

Nothing in these Terms limits our liability for:

  • Death or personal injury caused by our negligence; or
  • Fraud or fraudulent misrepresentation.

9. Privacy

Your use of this Website is also subject to our Privacy Policy, which explains how we collect, use, and protect your personal information in compliance with Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial legislation.

10. Governing Law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein.
Any disputes will be subject to the exclusive jurisdiction of the courts located in that province.

11. Contact Us

If you have questions or concerns about these Terms of Use, please contact:

Optiom Holdings Inc. and its subsidiaries (collectively, the “Company”)
Email: Compliance@Optiom.com
Address:  Suite 100, 10 Aviva Way, Markham, ON L6G 1B3