The blog you are within is being referred to as ‘website’ throughout the document.

The information on this website is intended for residents of Ontario Canada only. By entering
the website, you acknowledge and agree that it is construed and evaluated according to the
laws of the Province of Ontario Canada. You hereby agree and confirm that your use of the
protectyourfinances.ca and all the communications, transmissions and transactions associated
with the website shall have occurred in the Province of Ontario, Canada and that you submit to
the exclusive jurisdiction of the courts of the Province of Ontario as the proper and most
convenient forum concerning the website or any information herein.

If you use protectyourfinances.ca from any other jurisdiction, you are responsible for compliance
with any and all applicable laws. The author of the website make no representation that the
materials contained within protectyourfinances.ca are appropriate for customers (“clients”)
outside of the Province of Ontario, Canada.

The author is an insurance and mutual fund licensed agent in the Province of Ontario. The
author is a broker, allowing independence in nature. As such, no product recommendation is
made for your unique situation. It is recommend you speak with a licensed and qualified broker
within your respective Province.


General disclaimer of nature:

  • The content of this site is provided solely for personal and educational purpose. While
    information posted on this site is believed to be reliable and accurate at the time of
    posting, the broker does not guarantee, represent or warrant the information contained
    on this site as accurate, complete, reliable, and verified or error free.
  • The broker makes no express or implied representations or warranties regarding the
    usability or condition of this site, that this site will operate uninterrupted or error free, or
    that this site will operate in combination with any services or software used in connection
    therewith or that it shall be viewed consistently with all browser software or that any
    communication transmitted to or from this site is private, confidential or secure.
    generality of the foregoing, you acknowledge and agree that the broker or any of
    its affiliates, or any of their directors, officers, employees or agents shall be liable
    to you for loss of data, computer time or any loss or damage of any nature
    whatsoever arising out of or attributable in any manner whatsoever to your use or
    inability to use this site for any reason whatsoever or to any action or inaction on
    the part of the broker or for any direct, indirect, special or consequential damages,
    even if the broker has been advised of the possibility thereof, including but not
    limited to lost profits, lost opportunities or business revenues, loss of goodwill, or
    failure to realize expected savings.
  • This website does not guarantee or constitute an offer to insure; if you purchase an
    insurance contract directly from the broker, or have your investments transferred to the
    broker, the broker may be paid a commission, trailing commission (service renewal) and
    may be eligible for additional compensation such as bonuses and non-monetary benefits
    such as travel incentives. This compensation may depend on various factors such as
    volume or retention of business.
  • Commissions, trailing commissions, management fees and expenses all may be
    associated with mutual fund or segregated fund investments. Please read the
    prospectus or information folder, which contains detailed investment information, before
    investing. Mutual funds are not covered by the Canada Deposit Insurance Corporation or
    by any other government deposit insurer and are not guaranteed or insured. Mutual and
    segregated fund values change frequently. There can be no assurances that a money
    market fund will be able to maintain its net asset value per unit at a constant amount or
    that the full amount of your investment will be returned to you. Past performance may
    not be repeated and is never an indicator of future performance.
  • No insurer holds an ownership interest in our business, nor do we hold a significant
    interest in any insurance company.
  • Graphs are only used to illustrate the effects of the compound growth rate and do not
    reflect future values of any fund or returns on investment of any fund.
  • If you are a Canadian resident, you can obtain a prospectus or information folder by
    contacting your broker or fund company.
  • This site may contain links and may contain links to other sites which sites are not
    maintained or controlled in any way by the brokers. Such links are provided for
    convenience only and are not to be construed as an endorsement by the broker or any
    other party of the products, services, advice or opinions or any other content of such



English shall be the language of communication with the author and protectyourfinances.ca in
respect to all discussions occurring in connection with this website, and the author waives any
right to use and rely upon any other language, or translations.

Web Terms and Conditions

Accept as otherwise agreed to by protectyourfinances.ca, the following terms and conditions
shall govern your use on the website. The following conditions may be subject to change
without notice, so please read them carefully before using this site.

Use of Information

The information contained in this website is not intended to provide specific legal, accounting,
financial, or tax advice for any individual or entity and should not be relied upon in that regard.
This site is not a substitute for independent research or for personal advice from the affiliated
broker (or your broker) in helping you create a customized solution in meeting your needs.


Limited license and use

Protectyourfinance.ca grants you a limited license to display the content of this site on your
computer and print, download and use the materials on this site (if applicable). The purpose of
this site is for personal and educational use only, in helping the broker (or your broker) to create
a customized solution to meet your needs.

You agree not to, or allow others to, directly or indirectly, attempt or actually disrupt, impair or
interfere with, alter or modify this site or any of its content.

You must have attained the minimum prescribed age in the Province of Ontario to contract for
the products and services.

Nothing on this site constitutes an offer to buy or sell products or services from the affiliated
companies or suppliers. All products and services are subject to the terms and conditions of
any applicable contracts by the applicable companies. The products and services on this site
being offered are only for sale in Canada.

The use and content of this site, and the terms and conditions contained herein, shall be
governed by the laws of the province of Ontario in which the broker resides in and you agree to
the jurisdiction of the courts in Ontario.


Privacy and Confidentiality

You acknowledge that the broker collects and uses personal information for purposes of
providing the services contained on this site. The broker is committed to respecting the privacy
and confidentiality of information in accordance with applicable law. The broker has established
and will continue to maintain appropriate safeguards to protect the security and confidentiality of
personal information. The broker commits to never sharing your personal information without
express written consent, or a by-law such as a court order. However, you acknowledge and
confirm that the Internet is not a secure medium where privacy and confidentiality can be
guaranteed and that complete security and confidentiality of transmissions to and from this site
over the Internet is not possible at this time. Your confidential use of the site cannot be
guaranteed and you acknowledge that your use of the site (including information you transmit to
the site) may be subject to access or manipulation by, or disclosure to, third parties. Without
limiting any other disclaimer herein, the broker or the website protectyourfinance.ca or provider
shall not be responsible or liable for any damages that you or any other person may suffer in
connection with any such breach of privacy, confidentiality or security. You agree to notify the
broker immediately should you feel your confidentiality on this website has been breached.


Unlawful behavior

Do not use this website to communicate to others that causes any harm to any person or that is
illegal or otherwise unlawful, including without limitation any hateful, harassing, pornographic,
obscene, profane, defamatory, libellous, threatening materials which constitutes or may
encourage conduct that would be considered, a criminal offence, give rise to civil liability,
promote the excessive, irresponsible or under age consumption of alcohol, drugs or otherwise
violate any law or regulation. Notwithstanding the broker and others involved in creating,
producing or delivering the website, shall have the right to monitor or review all communications,
materials, transmissions, postings, discussions and chats on the site and online over the
internet as it pertains to this website. If we see fit, we will report it to the proper authorities. The
brokers or any affiliated party assume no responsibility or liability which may arise from the
content thereof, including but not limited to claims for any of the above-noted matters.

On the internet, the security of e-mail communication cannot be guaranteed. Any person
wishing to communicate or send information of a private or confidential nature to the broker is
encouraged to do so by other means.



This site has been developed by the broker. The contents of this site are the property of the
broker.  All information and materials contained on this site are protected by copyright,
trademark and other intellectual property laws of Canada and Ontario. Subject to the limited
license to us, no person may copy, redistribute, reproduce or republish in any form, or link to
this site or its contents in any manner whatsoever, including by way of hyperlinks or framing,
unless that person has obtained the prior written consent of all the broker. Any infringement of
the rights of the broker may result in appropriate legal action.



The display of trademarks, trade names, or service marks on this website does not convey or
create any license or privilege of any kind. Unauthorized use or exploitation of such marks and
names is strictly prohibited.

This website and the materials contained herein are protected by copyright (all rights reserved),
unless otherwise indicated. The website and the Materials are the exclusive property of the
broker and their respective affiliations, its licensors, or the party credited as the provider of the

No content from this website may be posted to newsgroups, social media groups, mail lists, or
electronic bulletin boards, or incorporated into any other website nor may links be created to this
website without written consent of the copyright owner(s). Any unauthorized use may subject
you to civil and/or criminal prosecution under applicable laws.