Terms of Service
Effective Date: September 14, 2025
Last Updated: September 14, 2025
Welcome to the Smart Health Benefits Association (“SHBA,” “we,” “our,” or “us”). By accessing or using our website, membership services, events, or resources, you agree to comply with and be bound by these Terms of Service (“Terms”). Please read them carefully.
1. Eligibility
Our services are intended for industry professionals, employers, advisors, and policymakers. By using this website or applying for membership, you confirm that you are at least 18 years of age and legally able to enter into these Terms.
2. Membership
Membership is subject to approval and payment of applicable dues.
Membership benefits, pricing, and tiers are outlined on our website and may be updated from time to time.
Members are responsible for keeping account and contact information current.
SHBA reserves the right to suspend or terminate memberships for misuse of benefits, violation of these Terms, or conduct inconsistent with SHBA’s mission.
3. Use of Website Content
All content on this website—including text, graphics, reports, whitepapers, and tools—is the intellectual property of SHBA or its content providers.
You may view, download, and print materials for personal or professional use, but redistribution, resale, or commercial exploitation without written consent is prohibited.
Any unauthorized use of content may result in termination of access and possible legal action.
4. Events and Resources
Registration may be required for events, webinars, and training.
SHBA reserves the right to modify event details, cancel events, or restrict access.
Downloadable resources may be gated and available only to members or subscribers.
5. Payments
Membership dues, event fees, and other paid services must be paid in full at the time of registration or renewal.
Payments are processed through secure third-party providers.
Unless otherwise stated, all fees are non-refundable.
6. Third-Party Links
Our website may include links to third-party websites or services. SHBA is not responsible for the content, accuracy, or practices of any third-party site. Accessing these sites is at your own risk.
7. Disclaimers
SHBA provides information, reports, and tools for educational and advocacy purposes only.
We do not provide medical, legal, or financial advice. Always consult qualified professionals before making decisions that may affect health or finances.
While we make reasonable efforts to ensure accuracy, SHBA does not guarantee that all content is current, complete, or error-free.
8. Limitation of Liability
To the maximum extent permitted by law, SHBA and its directors, officers, employees, and affiliates shall not be liable for any direct, indirect, incidental, or consequential damages arising from:
Use of this website or its content
Membership participation
Event attendance or resource use
9. Indemnification
By using our website and services, you agree to indemnify and hold SHBA harmless from any claims, liabilities, damages, or expenses resulting from your use of our services, violation of these Terms, or infringement of third-party rights.
10. Changes to Terms
SHBA reserves the right to modify these Terms at any time. Updates will be posted on this page with a revised effective date. Continued use of the website or services after changes constitutes acceptance of the new Terms.
11. Governing Law
These Terms shall be governed by and construed under the laws of Canada and the applicable laws of the Province of Ontario.
12. Contact Us
If you have questions about these Terms, please contact us at:
Smart Health Benefits Association
3301 Langstaff Rd, Unit 101, Concord, ON, L4K
Email: info@shba.ca
Phone: +1 (437) 524-6110