Disclaimer

Legal Notices and Disclaimers

By accessing and using this website, you acknowledge and agree to the terms outlined in these Legal Notices and Disclaimers. If you do not agree with these terms, please discontinue use of this website.

Investment Disclaimer

Mutual funds, approved exempt market products and/or exchange traded funds are offered through Investia Financial Services Inc. Commissions, trailing commissions, management fees and other expenses may be associated with mutual fund, exempt market product, and/or exchange traded fund investments. Please read the Fund Fact or prospectus carefully before investing. Mutual fund, exempt market product and exchange traded fund investments are not guaranteed, their values change frequently, and their past performance may not be repeated.

By accessing this website and any pages thereof, you agree to be bound by the terms of the Legal Notices and Disclaimers set out below. If you do not agree with the terms and conditions of these Legal Notices, do not access this website or any pages thereof.

Segregated Funds

Segregated fund 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.

Guaranteed Investment Certificates

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

Internet Communications

Electronic communications, including email, are not guaranteed to be secure unless appropriate encryption or other security measures are used. Information transmitted through the Internet may be subject to interception, unauthorized access, or alteration. We cannot guarantee the confidentiality, security, or authenticity of information exchanged electronically and are not responsible for any loss or damages resulting from the transmission of confidential information through unsecured methods.

No Financial, Legal, Tax, or Accounting Advice

The information provided on this website is intended for general informational purposes only and does not constitute financial, investment, legal, accounting, or tax advice. Information presented may not be suitable for every individual's circumstances. You should consult with qualified professionals before making decisions relating to your financial situation, investments, tax planning, or estate matters.

Accuracy of Information

While reasonable efforts are made to ensure that information provided on this website is accurate and current, we cannot guarantee that all information is complete, accurate, or free from errors or omissions. Information may be updated, changed, or removed without notice.

Disclaimer of Liability

The information and materials contained on this website are provided on an "as is" basis without warranties or representations of any kind, whether express or implied. To the fullest extent permitted by law, we are not responsible for any losses, damages, or consequences arising from the use of, reliance on, or inability to access information contained on this website.

No Offer or Solicitation

The content of this website is provided for informational purposes only and should not be interpreted as an offer, recommendation, or solicitation to buy or sell any investment products or services. Any investment decision should be made after obtaining appropriate advice based on your individual circumstances.

Jurisdiction

The information contained on this website is intended for British Columbia and Alberta residents and is provided in accordance with applicable British Columbia and Alberta laws and regulations. The availability of products and services may vary depending on your province or territory of residence and applicable regulatory requirements.

Third-Party Websites

This website may contain links to third-party websites for convenience and informational purposes. These external websites are independent from us, and we do not control, endorse, or guarantee the accuracy, completeness, security, or reliability of information provided on those websites. We are not responsible for any content, services, products, or materials available through third-party websites.

Website Content in Its Entirety

All information contained on this website should be reviewed together with any applicable disclosures, restrictions, legal notices, and other relevant information. No individual section of this website should be interpreted independently from the complete context in which it is provided.