DISCLAIMER & PRIVACY POLICY | www.wealthytoday.ca

Privacy Policy

Wealthytoday.ca (“Wealthytoday.ca”, “we”, “us” or “our”) is committed to providing quality

services to you including protecting your privacy in accordance with Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA). This Privacy Policy sets out the manner in which information about you (“Personal Information”) is collected, used, disclosed and otherwise managed in connection with the www.wealthytoday.ca website (the “Website”).

Definition of Personal Information

We consider “Personal Information” to mean any information, recorded in any form, about an identified individual or an individual whose identity may be inferred or determined from such information, other than business contact information (e.g. name, title, business address). This includes, but is NOT limited to, your name, contact information, payment information, financial information, credit and background checks, and email address. This Policy does not cover business contact information or aggregated data from which the identity of an individual cannot be determined. We maintain the right to use business contact information and aggregated data in any way that is deemed appropriate.

Information We Collect

We only collect, use and disclose Personal Information for the purpose of providing and improving products or Services to our clients.

Personal Information Collected: Depending on the purpose(s) for which we need to collect it, we may ask for the following personal information about you including:

• name, contact details (including address, email, phone number), date of birth and gender;

• personal information which is required to acquire a product or service from us and as may be needed during the lifecycle of that product or service;

• information required to underwrite an application for an insurance or mortgage product or to assess and manage an insurance claim, including previous insurance records and claims history, information about beneficiaries and nominated representatives, employment and income;

• financial details such as bank account details, superannuation or other insurance policy information;

• any other information we think is necessary for you or others to acquire our products or for us (or our service providers or representatives) to provide services to you.

Links: The Website may keep track of how You interact with links or Content by redirecting clicks or through other means. We do this to help improve our Services and to be able to share aggregate click statistics, such as how many times a particular link was clicked on.

Device Identifiers: When You use a mobile device like a tablet or phone to access our Service, we may access, collect, monitor, store on Your device, and/or remotely store one or more “device identifiers.” A device identifier may be data stored in connection with the device hardware, data stored in connection with the device’s operating system or other software, or data sent to Your device.

Third Party Services: We use a variety of services hosted by third parties to help provide our Services, and to help us understand the use of our Services, such as Google Analytics. These services may collect information sent by Your browser as part of a web page request, such as cookies or Your IP request.

Email Communications to Website: You may decide to send the Website personally identifying information in an e-mail message which might contain information or inquiries about Website products or Services. The Website will use this information to identify You as a Website member and to respond to the e-mail. The Website will only use the information obtained to resolve the issue identified in the email. We never sell e-mail addresses. You may change or request deletion of Your Personal Information by contacting info@wealthytoday.ca.

How We Collect Personal Information

We often collect personal information when you engage with us directly. For example, we might collect your personal information when you fill out a form with us, call us, meet with one of our representatives or use our website.

Why We Collect Personal Information

When you first become a client or whenever you acquire or renew a product from us, we need to collect some of your personal information. Common purposes for which we collect your personal information are to:

• Enable us to acquire or renew a mortgage or insurance policy for you

• Assist you and assess your ongoing needs

• Assess your need for other products, such as financial products, and to offer them to you

• Ensure your information is accurate and up to date

• Protect us both against error or fraud

How We Use Your Personal Information

For many of the purposes identified above, we will need to share your personal information with others in order to serve your needs. These other parties commonly include:

• Insurance companies or mortgage lenders

• Other insurance or mortgage brokers or agents

• Credit organizations

• Professionals working with us such as adjusters, lawyers, appraisers, title insurance, etc.

Information about You and Your use of the Website may be aggregated with other information collected on the Website or otherwise used in ways that do not personally identify You or constitute personally identifiable information. This type of aggregated or statistical information may be used by us to improve the quality of the Website or for other purposes that we may deem appropriate.

Information Sharing and Disclosure

We do not disclose Your private information except in the limited circumstances described herein.

Our use of Personal Information is limited to the purposes described in this Policy and We do not otherwise sell, trade, barter, exchange or disclose for consideration any Personal Information that We have obtained.

Your Consent: We may share or disclose Your information with Your consent, such as when You use a third-party web client to access Your account. In addition, where appropriate, specific authorizations or consents may be obtained from time to time.

Without Consent: Please note that there are circumstances where the use and/or disclosure of Personal Information may be justified or permitted or where We are obliged to disclose information WITHOUT consent. Such circumstances are consistent with the Personal Information Protection and Electronic Documents Act and the Digital Privacy Act and may include, but are not limited to:

a) where required by law or by order or requirement of a court, administrative agency or governmental tribunal;

b) where Wealthytoday.ca believes, upon reasonable grounds, that it is necessary to protect the rights, privacy, safety or property of an identifiable person or group;

c) where it is necessary to establish or collect monies owing to Wealthytoday.ca;

d) where it is necessary to permit Wealthytoday.ca to pursue available remedies or limit any damages that We may sustain;

e) where Wealthytoday.ca believes, upon reasonable grounds, that a breach of an agreement or contravention of a law has been, or is about to be committed and that it is reasonable to expect that disclosure with the knowledge or consent of the individual would compromise the investigation;

f) where Wealthytoday.ca believes, upon reasonable grounds, that fraud is likely to be committed, and it is necessary to use the Personal Information to detect, suppress or prevent fraud, and that it is reasonable to expect that disclosure with the knowledge or consent of the individual would compromise the investigation;

g) where it is necessary to assess, process or settle an insurance claim.

Service Providers: We engage certain trusted third parties to perform functions and provide services to us. We may share Your Personal Information with these third parties, but only to the extent necessary to perform these functions and provide such services, and only pursuant to obligations mirroring the protections of this Policy.

Law and Harm: We may disclose Your information if we believe that it is reasonably necessary to comply with a law, regulation or legal request; to protect the safety of any person; to address fraud, security or technical issues; or to protect the Website’s rights or property.

Business Transfers: In the event that Wealthytoday.ca is involved in a bankruptcy, merger, acquisition, reorganization or sale of assets, your information may be sold or transferred as part of that transaction. The promises in this Policy will apply to Your information when transferred to the new entity.

Non-Private or Non-Personal Information: We may share or disclose Your non-private, aggregated or otherwise non-Personal Information, such as Your public bio or the number of users who clicked on a particular link.

Other Websites and Services

We are not responsible for the practices employed by any websites or services linked to or from the Website, including any User websites or third-party websites and the information or content contained within them.

Your browsing and interaction on any third-party website or service, including those that have a link on our website, are subject to that third party’s own rules and policies. In addition, you agree that we are not responsible and do not have control over any third parties that You authorize to access Your content. If You are using a third-party website or service and You allow them to access Your content You do so at Your own risk.

Protection of Personal Information

We endeavor to maintain appropriate physical, procedural and technical security with respect to our offices and information storage facilities so as to prevent any loss, misuse, unauthorized access, disclosure, or modification of Personal Information. This also applies to the disposal or destruction of Personal Information.

In order to protect your personal information and right to privacy, we will:

• Not collect, use or disclose your personal information for any purpose other than those that we identify to you

• Keep your personal information only for as long as we need it to fulfill the stated purpose or as required by law

• Maintain your personal information in as accurate, complete and up to date a form as possible

• Safeguard your personal information to the best of our ability

• Respond to any request you may make to access or correct the personal information we hold
about you

• Obtain the appropriate consent from you for the collection, use or disclosure of your personal information

We further protect Your Personal Information and any financial or payment information by restricting its access to those employees who need to have knowledge of that information in order for us to provide our Services, as determined by the management of Wealthytoday.ca.

Marketing Communications

From time to time, Wealthytoday.ca may provide promotions and special offers.

By providing your Personal Information, you consent to the use of your information to send you

communications by mail, email or telephone marketing or promoting products and services that may be of interest to you. You can opt-out of receiving marketing offers at any time by clicking on the unsubscribe link included in our marketing email communications or by contacting us as set out under Contact Us below.

Changes to this Policy

We may revise this Policy from time to time. The most current version of the Policy will govern our use of Your information and will always be at www.wealthytoday.ca. By continuing to access or use the Services after those changes become effective, you agree to be bound by the revised Policy.

Disclaimer

While the Website continues to work hard to protect Your Personal Information, no data transmission over the internet can be guaranteed to be absolutely secure, and Website cannot ensure or warrant the security of any information You transmit to Website. Transmitting Personal Information is done at Your own risk.

Contact the Website

We welcome your questions and comments about security and privacy.

In the event of questions pertaining to this Policy, please send any questions or comments via email to info@wealthytoday.ca or by mail to:

135 Queens Plate Drive Unit 410 Toronto, Ontario M9W 6V1 Attn: Privacy Officer

Book a Call

2827145 ONTARIO INC. doing business as Wealthytoday.ca (“Wealthtoday.ca” or “We” or “Company”) maintains the information found at www.wealthytoday.ca (the “Website”) as a service to its users. By using, visiting or creating an account on the Website or any Website services (collectively the “Service”) You agree to comply with and be bound by the following Terms of Use. Please review the following terms carefully. If You do not agree to these terms, You should not browse, review information or obtain any media or documents from this Website.

Acceptance of Agreement

You agree to the terms and conditions outlined in this Terms of Use Agreement (“Agreement”) with respect to the Website. This agreement applies to all users of the Service, including users who browse, create an account, review information and/or obtain any media or document, directly or indirectly, from this Website (collectively the “Users”, individually the “User” or “You” or “Your"). “Content” includes text, software, scripts, ad scripts, graphics, photos, sounds, music, videos, audiovisual combinations, advertisements, interactive features and other materials that the User may view on, access through, or contribute to the Service. Users agree to review this Agreement prior to reviewing or obtaining any information or Content. This Agreement may be amended by us from time to time without specific advance notice to You. The most recent Agreement will be posted on the Website, and You should review the Agreement prior to using the site.

Use of the Website & Right to Use

Wealthytoday.ca provides a comparison service for financial products including mortgage rates and life insurance products (collectively, “Financial Products”), to allow You to compare rates and evaluate the advantages and disadvantages of Financial Products in order to select the Financial Products that You believe to be best suited to your needs.

By using the Website, you understand and acknowledge that Wealthytoday.ca provides a platform for You to get information on and compare third party Financial Products. Wealthytoday.ca is not a provider or vendor of Financial Products. The information provided on the Website is provided for information purposes only and is not and should not be construed as financial advice or any other kind of advice. Wealthytoday.ca makes no representations or warranties about the accuracy of any information contained on the Website, and shall not be responsible for any inaccuracies, misrepresentations, errors or omissions in the information provided therein, and some information may not always be up to date. Additionally, some of the information about certain Financial Products appearing on the Website is provided directly by Vendors, not by Wealthytoday.ca (“Vendor Content”). Wealthytoday.ca shall not be responsible for any Vendor Content or for any inaccuracies in any Vendor Content or any losses, claims, expenses, damages, or liabilities that arise as a result of any Vendor Content. Users are strongly encouraged to use common sense and discretion and to do their own research before relying on any of the information provided by the Website, and to consult an independent competent professional before transacting with any Vendor for any Financial Product. We are not responsible for any advice provided by any professional you consult, nor are we responsible for the acts or omissions of any Vendor or You or for any actual, failed, proposed or discussed transaction following your use of the Services or any other decisions you make as a result of using the Website and/or Services. You hereby understand and agree to use the information contained on this Website at your own risk.

Editing, Deleting and Modification

Wealthytoday.ca reserves the right in its sole discretion to:

discontinue any aspect of the Service at any time; and
edit or remove any information on the Website at any time

Indemnification

You understand that when using the Service, You will be exposed to Content from a variety of sources, and that Wealthytoday.ca and Website are not responsible for the accuracy, usefulness, safety, security, or efficacy of or relating to such content.

You further understand and acknowledge that You may be exposed to Content that is inaccurate, inappropriate, misleading, or objectionable, and You agree to waive, and hereby do waive, any legal or equitable rights or remedies that You have or may have against Wealthytoday.ca or the Website. Users are responsible for confirming the rates, terms and conditions, information provided and/or obtained from the Website. Wealthytoday.ca does not guarantee, warrant or endorse any of the products, services or information provided by Users.

You agree to indemnify, defend and save Wealthytoday.ca, its directors, officers, shareholders, partners, professional representatives, employees, independent contractors, agents and affiliates (collectively, “Affiliated Parties”) harmless from and against all claims of any kind which third parties including any Users have ever had, now have, or may in the future have against You or the Company by reason of any cause, whether known or unknown, arising from, connected with or in any way related to without limitation (i) any violation of this Agreement; (ii) Your use of the Website; (iii) any violation of any third party right, including with out limitation any applicable mortgage laws and property or privacy right; or (iv) any claim that Your Content caused damage to a third party.

Disclaimer

(1) THE CONTENT AND SERVICES FROM OR THROUGH THE WEBSITE ARE PROVIDED “AS IS”, “AS AVAILABLE” AND ALL WARRANTIES, EXPRESS OR IMPLIED, ARE DISCLAIMED (INCLUDING BUT NOT LIMITED TO THE DISCLAIMER OF ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE). WEALTHYTODAY.CA AND ITS AFFILIATED PARTIES ASSUME NO LIABILITIY OR RESPONSIBILITY FOR ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF OUR SERVICES, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR SERVICES, (V) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH OUR SERVICES BY ANY THIRD PARTY, AND/OR (VI) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED OR OTHERWISE MADE AVAILABLE VIA THE SERVICES. IN PARTICULAR, BUT NOT AS A LIMITATION THEREOF, COMPANY AND THE AFFILIATED PARTIES ARE NOT LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LITIGATION OR THE LIKE), WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE NEGATION OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN COMPANY AND USER. THIS SITE, SERVICES AND THE CONTENTS WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS.

(2) WEALTHYTODAY.CA AND AFFILIATED PARTIES SHALL NOT BE LIABLE FOR CONTENT OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY OR USER AND THE RISK OR HARM OR DAMAGE FROM THE FOREGOING RESTS ENTIRELY ON YOU.

Miscellaneous
This Agreement shall be treated as though it were executed and performed in Ontario, Canada, and shall be governed by and construed in accordance with the laws of Ontario, Canada (without regard to conflict of law principles). Any cause of action of User with respect to the Website (and/or information, forms and agreements, thereon) must be instituted within SIX (6) MONTHS after the cause of action arose or be forever waived and barred. The language in this Agreement shall be interpreted as to its fair meaning and not strictly for or against either party. All legal proceedings arising out of or in connection with this Agreement shall be brought solely in Toronto, Ontario, Canada. User expressly submits to the exclusive jurisdiction of said courts and consents to extra-territorial service of process. Should any part of this Agreement be held invalid or unenforceable, that portion shall be construed in a way that is consistent with applicable law and the remaining portions shall remain in full force and effect. The terms and conditions of any other agreements which Users enter into with Wealthytoday.ca in order to have full access to the Website shall take precedence over this Agreement in the event of a conflict or inconsistency. Failure of Wealthytoday.ca to enforce any provision of this Agreement shall not be deemed a waiver of such provision nor of the right to enforce such provision.

Links to Other Web Websites
This site may contain links to other websites including other User’s websites. We are not responsible for the content, accuracy, or opinions expressed in such websites, and such websites are not investigated, monitored or checked for accuracy or completeness by us. Inclusion of any linked website does not imply approval or endorsement of the linked website by us. If You decide to leave our site and access these third party sites, You do so at Your own risk.

Ability to Accept Terms of Service

You affirm that you are either more than 18 years of age and are fully able and competent to enter into terms, conditions, obligations, affirmations, representations, and warranties set forth in this Agreement, and to abide and comply with this Agreement. This Service is not intended for persons under 18 years of age. If You are under 18 years of age, then please do not use the Service.

This Copyright and Privacy Policy (the “Policy”) describes the Website’s policies and procedures on the collection, use and disclosure of Your information in connection with the Website and its Services.

When using any of our Services You consent to the collection, transfer, manipulation, storage, disclosure and other uses of Your information as described in this Policy. Irrespective of which country You reside in or create information from, Your information may be used by the Website in Canada or any other country where the Website operates.

If You have any questions or comments about this Policy, please contact us at info@wealthytoday.ca.

Copyright and Trademarks
The content, organization, gathering, compilation, magnetic translation, digital conversion and other matters related to the Website are protected under applicable copyrights, trade marks and other proprietary (including but not limited to intellectual property) rights. The copying, redistribution, use or publication by a User of any such content or any part of the Website, except as allowed by this section, is strictly prohibited. The User does not acquire ownership rights to any content or document obtained through the Website. The posting of information or materials on the Website does not constitute a waiver of any right in such information and materials.

All content and information found and published at the Website is protected by copyright. Users of the Website shall only be entitled to copy Website content for their own personal use and may not republish or reproduce any substantial part of the Website any manner whatsoever, including electronically reproducing this Website by “uploading”, “downloading” or accessing the Website on the Internet or in any other local or international computer system, without the prior written permission of the owner of the Website and Wealthytoday.ca. An acknowledgment of the source must be included whenever any Website content is copied or published. If You require any further information on the permitted use or licence to reproduce or publish any material address Your inquiry to info@wealthytoday.ca.

Any infringement of the Wealthytoday.ca rights will result in an appropriate legal action. Wealthytoday.ca disclaims any and all liability for any consequences which may result from the unauthorized reproduction or use of this Website whatsoever.

The symbols ® and ™ designate Canadian registered trade marks and unregistered trade marks used in Canada respectively. The following are registered trade marks of the Wealthytoday.ca which may also be used under licence by its subsidiaries and affiliates.

The copyright in this Website, and in the underlying source HTML files which implement the hypertext features of this Website (the “document set” or “Publication”) is owned by the Wealthytoday.ca. Any person is authorized to view, reproduce, print and distribute this document set and/or any portion thereof, pursuant to the following conditions:

this document set may only be used for informational purposes;
this document set may only be used for non-commercial purposes; and
any copy of this document set or portion thereof must include this copyright notice.

The viewing or downloading of any content, form or document grants the User only a limited, non-exclusive licence for use solely by the User for his or her own personal use and not for republication, distribution, assignment, sublicense, sale, preparation of derivative works or other use. No part of any content, form or document may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical, other than for the User’s personal use (but not for resale or redistribution).

Disclaimer:

Wealthytoday.ca is a licensed Life, Accident & Sickness insurance brokerage (FSRA# 41658M) and licensed mortgage brokerage (FSRA #13653) in Ontario. Wealthytoday.ca provides a platform to get information on and compare third party Financial Products. Wealthytoday.ca is not a provider or vendor of Financial Products nor is it a financial advisor. The information provided on the Website is provided for information purposes only and is not and should not be construed as financial advice or any other kind of advice. Segregated funds involve risks and may not be suitable for all investors. Please review the fund documents for full details and seek professional advice if needed.

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