Terms of use

This website (the “Site”) is maintained by the Pension and Insurance Committee (the “Committee”), under direction of the Canadian Baptist Ministries’ Board of Directors. The Site is intended to provide information related to the CB Benefit and Pension Programs, including forms, publications, plan descriptions, and other materials (the “Content”). By accessing the Site you agree to be bound by the Terms of Use below.


Please note, the benefits information on this website does not apply to the Canadian Baptists of Atlantic Canada (CBAC). For more information on the CBAC benefits plan, please refer to CBAC website.


We take care to ensure the privacy of your Personal Information – which is defined as any factual or subjective information, recorded or not, about an identifiable individual. The Site may collect the following forms of Personal Information from your computer or mobile device:

  • “Cookies” are data files that are placed on your device or computer and often include an anonymous unique identifier. For more information about cookies, and how to disable cookies, visit http://www.allaboutcookies.org.
  • “Log files” track actions occurring on the Site, and collect data including your IP address, browser type, Internet service provider, referring/exit pages, and date/time stamps.
  • “Web beacons,” “tags,” and “pixels” are electronic files used to record information about how you browse the Site.

Personal Information gathered by the Site is maintained in a confidential manner and the appropriate information is disclosed to authorized parties only as required to monitor and maintain the Site. Safeguards are in place to ensure that personal information is not disclosed or shared beyond the purposes for which it was gathered. The Committee and its partners do not rent or sell or buy Personal Information to/from other organizations or service providers.


The Content is current as of its original date of publication, but should not be relied upon as accurate, timely or fit for any particular purpose. Content is provided solely for informational purposes. It is not intended to be professional advice or an opinion of any kind. You are advised to seek specific advice by contacting the appropriate benefit provider.


The downloading of Content is done at your own risk. The Committee cannot and does not guarantee or warrant that the Site or the Content are compatible with your computer systems, or that the Site or the Content will be free of viruses, worms, Trojan horses or disabling devices or other code that manifests contaminating or destructive properties. You are responsible for implementing safeguards to protect the security and integrity of your computer system and you are responsible for the entire cost of any service, repairs or connections of and to your computer system which may be necessary as a result of your use of the Site.


Communications made by you via e-mail or otherwise through the Site are not guaranteed to be confidential. If you wish to provide information of a confidential or sensitive nature, please contact the relevant party directly by telephone.


You agree that you will not, without our prior written permission, use the Site and the Content for purposes other than your own personal non-commercial use and benefit. You may not frame the Site or the Content or any part thereof on any commercial or non-commercial internet web site. You acquire absolutely no rights or licences to the Site or the Content other than the limited right to use the Site and the Content in accordance with these Terms of Use. You agree that you will not use the Site for any purpose that is unlawful. Except as expressly provided in these Terms of Use, any reproduction, retransmission, distribution, sale, republication, modification, translation of or creation of derivative works based on the Site or the Content, in whole or in part, and any decompilation disassembly, reverse engineering or other exploitation of the Site, without prior written permission, is strictly prohibited.


The Site may provide links to third party web sites. The Committee does not endorse the information contained in those web sites or guarantee their quality, accuracy, reliability, completeness, currency, timeliness, non-infringement, merchantability or fitness for any purpose. The content in any linked web site is not under our control and if you choose to access any such web site, you do so entirely at your own risk.


These Terms of Use are governed by the laws of the Province of Ontario and the applicable laws of Canada and these laws apply to the use of the Site or the Content by you, notwithstanding your domicile, residency or physical location. The Site and the Content are intended for use only in jurisdictions where it may lawfully be offered for use.