Terms of Service

Effective date: November 2026

These Terms of Service ("Terms") govern your use of the website operated by Michael Berntsen (The Wolfpack Team), and of related communications such as email and text messages. By using this site or submitting the form, you agree to these Terms. If you do not agree, please do not use the site.

Questions can be sent to [email protected] or by calling (403) 651-9062.

Michael Berntsen is a licensed life and accident and sickness insurance agent in Alberta, British Columbia, Saskatchewan and Ontario.

Who we are

The Wolfpack Team is a Calgary, Alberta team led by Michael Berntsen that helps Alberta self-employed people and families review personal insurance and benefits options and book a call with one of our advisors. There is no fee to request or have this conversation, and you are not obliged to buy anything. This site is for general information and to let you request that call. It does not create a client relationship by itself.

No advice and no client relationship

Content on this website is for information only. It is not insurance advice, financial advice, legal advice, tax advice, or medical advice, and it is not an offer, solicitation, or recommendation to buy or cancel any product. Your situation is unique. A conversation with one of our advisors does not, by itself, establish a client relationship. No advice is given, and no coverage is in place, until a licensed advisor has reviewed your situation and any application has been completed, accepted, and put in force under its own terms. Coverage is subject to underwriting and policy terms.

You should not rely on this site as a substitute for advice from a licensed advisor or other qualified professional who has reviewed your circumstances. If you have questions about an existing policy or a personal decision, speak with one of our advisors or with your own professional advisers.

The inquiry form

If you submit the form on this site, you ask us to have one of our advisors contact you about booking a call. You agree that the information you provide is accurate to the best of your knowledge. Submitting the form does not oblige you to purchase anything, attend an appointment, or consent to text messages. Your information is received by Michael Berntsen (The Wolfpack Team) and may be used by an advisor working with Michael Berntsen to follow up with you, in line with the permissions you give and our Privacy Policy. We do not sell or pass your inquiry to other agents or businesses as a lead for their own marketing.

SMS program terms

The following terms apply if you opt in to text messages from Michael Berntsen (The Wolfpack Team). Michael Berntsen is the sender of those messages.

Program name

Michael Berntsen SMS program (The Wolfpack Team).

Description of messages

If you agree to the optional SMS consent on our form, Michael Berntsen (The Wolfpack Team) may send text messages to the mobile number you provide. These messages may include appointment reminders, follow-ups about your inquiry, and information about our services. This consent is optional and is not required to submit the form or to have a conversation with one of our advisors. Consent may be withdrawn at any time.

Frequency

Message frequency varies, depending on your inquiry and appointment schedule.

Rates

Message and data rates may apply. Check your wireless plan for details. Michael Berntsen does not charge a separate fee for text messages.

Opting out and help

Reply STOP to opt out of text messages from Michael Berntsen. You may also email [email protected] or call (403) 651-9062 and ask us to stop texting you. After we process your request, we will send no further program texts to that number, other than a single optional confirmation of the opt-out. You may opt in again later. Reply HELP for help, or email [email protected] or call (403) 651-9062. We aim to process an unsubscribe request without delay and no later than 10 business days after we receive it.

Consent

Consent to receive text messages is not a condition of any purchase or service. The SMS consent checkbox is optional and is not pre-selected. Consent is specific to Michael Berntsen (The Wolfpack Team) and is not transferred or assigned to any other brand.

Privacy of mobile numbers

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties. Our Privacy Policy explains how we collect, use, and protect personal information, including information related to text messaging, and who may receive your information.

Sender identification

Text messages will identify Michael Berntsen, or Michael Berntsen with The Wolfpack Team, as the sender, or will use that name and point to this website for full identification. Where a short message cannot include full contact details, it may point to this website, which lists contact information for Michael Berntsen at [email protected], (403) 651-9062, and 186 Carringsby Way NW, Calgary, AB T3P 0P5.

Carriers

Wireless carriers are not liable for delayed or undelivered messages. Message delivery may be affected by your carrier, device, or network coverage. Compatible carriers may vary.

Eligibility and your number

This website and the SMS program are intended for people who have reached the age of majority in their province or territory, which is 18 in Alberta. You also represent that you are the subscriber of the mobile number you provide, or that you have the subscriber's permission to receive texts at that number. You agree to let us know if you change or give up the number.

Support contact

For help with the SMS program, email [email protected] or call (403) 651-9062, or reply HELP to any message from Michael Berntsen.

Acceptable use

You may not use this site in a way that is unlawful, misleading, or harmful, or that attempts to disrupt or gain unauthorized access to the site or to information about other people. We may refuse or discontinue a request, or limit access to the site, if we reasonably believe these Terms have been breached.

Intellectual property

The name The Wolfpack Team, and the text and design of this website, are owned by Michael Berntsen or used with permission. You may not copy, reproduce, or use them for commercial purposes without our prior written consent, except for reasonable personal use or as allowed by law.

Disclaimer of warranties

This site is provided on an "as is" and "as available" basis. To the fullest extent permitted by applicable law, we disclaim all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not promise that the site will be uninterrupted, timely, secure, or free of errors, or that the information on it is complete or current.

Limitation of liability

To the fullest extent permitted by applicable law, Michael Berntsen and The Wolfpack, and their advisors, staff, and service providers, will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill, arising out of your use of the site or of our communications, even if we have been advised of the possibility of such damages. Our total liability for any claim arising out of these Terms or the site is limited to the maximum extent permitted by Alberta law. Some jurisdictions do not allow certain limitations. In those cases, the limit applies only to the extent permitted.

Changes

We may update these Terms from time to time. The effective date at the top of this page will change when we do. Your continued use of the site after an update means you accept the revised Terms. For SMS, material changes to the program will be handled in a manner consistent with applicable messaging rules, which may include notice or a new consent where required.

Governing law

These Terms are governed by the laws of the Province of Alberta and the federal laws of Canada applicable there, without regard to conflict-of-law rules. You agree that the courts of Alberta have exclusive jurisdiction over any dispute arising out of these Terms or your use of the site, subject to any rights you may have under applicable consumer protection law.

Contact

For questions about these Terms or about text messages from Michael Berntsen, contact Michael Berntsen at [email protected], (403) 651-9062, or 186 Carringsby Way NW, Calgary, AB T3P 0P5.