Terms and Conditions of use of this website
We maintain this website and the information it contains as a public service, in order to increase public awareness, education, and access to timely and accurate information about various topics of interest which fall within the financial planning process.

By using this website you are agreeing to the terms and conditions of use described on this page and in any other part of this website. You are deemed to agree to these terms even if you haven't read them.
These terms and conditions may be changed at any time, without notice.

Use of this website is governed by the laws of the Province of Ontario and the laws of Canada that may apply.

All information that appears on this site is provided with the permission of the appropriate owners of the intellectual property rights for that information, or is believed to be in the public domain, or is believed to fall within the fair use provisions of applicable copyright law regarding usage of information for, educational or personal use. If you disagree with our assessment regarding the information that appears on this site, please let us know.

The names of all products and services mentioned on this website are the trade-marks of their owners. The display of trade-marks or trade-names on this website does not convey or create any license or other rights.

Links to other websites are provided as references only, and as a convenience. We do not endorse any services or products that may be on those websites and are not responsible for the contents of any linked website.

Limited License of Use
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Information on this website is not legal or financial advice
Information is provided on this website for reference purposes only. It is not intended to provide legal opinions or advice. You should not act or rely on any information on this website without consulting a qualified professional financial or legal adviser, as appropriate.

Accuracy and Warranties
All information is furnished with the understanding that we make NO warranty, express or implied, or assumes any legal liability or responsibility for the accuracy, completeness, or usefulness of any information, and will not be liable for any damages of any kind arising from any use of this website or its content.

Segregated funds products are offered through Investia Financial Services Inc. and/or multiple carriers. Subject to any applicable death benefit guarantee, any part of the premium or other amount that is allocated to a segregated fund, is invested at the risk of the policy owner and may increase or decrease in value according to the fluctuations in the market value of the assets of the segregated fund.

Insurance products are provided through multiple insurance carriers.

Guaranteed Investment Certificates (GICs) are offered through Investia Financial Services Inc. and/or multiple carriers.

Mutual funds products are offered through Investia Financial Services Inc.

Commissions, trailing commissions, management fees and other expenses may be associated with mutual fund investments. Please read the Fund prospectus carefully before investing. Mutual fund investments are not guaranteed, their values change frequently, and their past performance may not be repeated.

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