Copyright and Trademark Information
Trademarks, including trade names, taglines, logos, videos, graphic works, photographs, and articles, or documents of this website may constitute trade names, registered or unregistered trademarks or service marks (“trademarks”), or copyright information of Financium Inc. and Adviceon, who hold all rights protected under trademark and copyright law.
Authorship of Articles and Limited Responsibility of the Publisher
Unless otherwise indicated, all financial articles, calculators, and videos on this website are published by Adviceon and/or Financium Inc. as a paid service for the Financial corporation or representative or advisor represented on this website, and are intended for educational use only; thus the publisher is not responsible for any error or omission or erroneous application in any Financial planning decision or investment purchase.
Advisors using this service for educational purposes, agree to be bound by and comply with the terms set forth herein. All payments shall be in reference to pricing set forth as stated on your invoices, representative’s invoices or online registration forms requesting Internet services, where website design work has been ordered to be built and engaged for online use, or where additional work has been ordered through any communication.
Where a company directs design for any website for a head office, or a representative of their company, or for advisors of the company, the company shall be liable for all development and promotion of all websites associated with this website or the websites of their representatives using the company name or associate company, logos, terms, phrases, web pages or urls, and all projects directed by such company shall not be wholly or partially at the expense of Adviceon, unless stated in a signed contract as agreed by Adviceon mutually with the company.
Regarding Company Payment for Access to Services
If you are a company directing and/or allowing a Financial representative or advisor or consultant or life insurance sales person or mutual fund sales person or any other party agreeing to pay for and access Adviceon’s copyright data content for a website and have not yet paid for the subscription of the service you will access according to Adviceon’s terms of contract, all costs for such services may become due where compliance is not upheld, or where excessive directives were presented taking the website building fees beyond the scope of four (4) hours for any specific website built in the scope of a company project, or where projections of enrolments of company representatives or advisors has not been met for use or for access to any of the links or URLs of these Internet services, and payment for these Internet services rendered must be made within at least 15 days of the receipt of an invoice or you may be in defiance of the legal agreement of use set forth herein, including but not limited to copyright infringement, and your service may be halted until such payment or any other payment for an outstanding Adviceon invoice is made and such payments shall remain due. Pre-payments for services will be invoiced to be paid via automatic bank debit on a preauthorized monthly basis or via credit card and must be paid for the continuance of the agreed term of use established at registration or by contract; and without such reference to an agreement or signed contract, the period for a website use shall run for three consecutive years where the full payment of this term is due monthly or in full upon cancellation of the site, or where Adviceon deems to cancel the service and demand full payment for a website or group of websites due to fraudulent representation or misinformation of a company or where there has been unrecouperated expenses for services or promotions rendered by Adviceon which were initiated by a directive of the company or any representative of the company via a meeting or via an email. Where promotions of a company via a website or an Intranet linking to Adviceon’s services, or via a sales convention attended by Adviceon, it shall be deemed the company, or representative of a company, including where the Head Office is located in Canada, or in the United States of America, or in Europe, or in China; where such company has actively set forth directives to build websites in conformity to their policies, and thus have incurred expenses payable to Adviceon in accordance to this agreement and disclaimer.
Arrears & Unpaid Invoices & Rate Changes
All unpaid invoices remaining in arrears after 90 days may be forwarded to a collection agency. Canadian Financial Publishing Group reserves the right to add or increase fees, or recuperate expenses incurred through providing services to a company, or alter the terms of agreement at any time after thirty (30) days of service has been rendered, or during a rebuilding of a new website, or when an unpaid account persists for more than thirty (30) days for prepaid services, or when the client surprises us with a cancellation and we have no means to collect our fees, or to reflect increased costs of Internet business or an amortization of costs reflected in Adviceon’s rates that is not accounted as profitable due to any manipulation of any agreement of terms or by misinforming Adviceon of the potential for profitability for services rendered or where Adviceon has been presented to the company’s representatives as providing a service for the Financial company on behalf of the representatives.
Where there are queries emailed about copyright concerns and there is no reply, or where it is possible articles could be copied from Adviceon’s dbases, or where proper cancellation fees are not paid in advance, Adviceon retains the right to suspend website use.
Changes and Edits to Your Website
Only Canadian Financial Publishing Group is allowed to make any alteration to your website, regarding uploading of any change, edit or update unless you have been given editing authority on your leased website. Any other ISP or web technician (IT) or a person or firm claiming to be an SEO consultant, is not allowed to access or upload to your website or alter formats or reconfigure the way Adviceon® unifies information at any time as Canadian Financial Publishing Group websites are located on hard-drives where highly confidential and copyright information resides.
Adviceon® defines SEO strategies via the document The Truth about SEO to enhance SEO and the rate charged for those interested in optimizing Google’s search (via the use of Google AdWords, Google My Business, comparative to the use of content and advisor blogs in a very competitive financial world dominated by banks also using SEO). A Special Rate for SEO work for by Adviceon® at 50% off for clients will apply, which billing will not apply and will revert to the hourly rate for SEO where any other SEO consultant further admixes strategy and confounds the process (many are deceptively claiming the ability to bring someone to the top of a Google search). Where a client is assigning any SEO service authority to advise on an existing Adviceon® website or any alternate strategy which may seek to compete with Adviceon® website services, an SEO agreement must be signed by the advisor.
Suppression of MFDA Court Rulings
Where SEO is sought to suppress any ranking of a government body’s legal charges brought against an advisor using Adviceon® website SEO, the advisor shall be wholly responsible for any repercussions and further liability that may ensue. Our view is that Google gives precedence to all governments’ legal measures and online posting of offences in the world of finance of which they are aware, insofar as such posting is to warn potential clients of the advisor’s conduct. (Google runs a substantial financial data centre and newsroom in Google Finance, and the seeks to remain under the laws in the world of finance). Adviceon® uses Google servers for all our advisor websites and has access to all Google’s tools for SEO though it is up to the advisor to seek to procure such available service from Adviceon®’s fee-based services.
Copying of Adviceon® Website Files Prohibited
Files built by Adviceon for your website hosted on Adviceon Internet servers cannot be copied and reused elsewhere with another ISP or domain host service due to copyright. To acquire these files by any means such as copies and to re-link them to any future site not managed by Adviceon will be classified as a violation and possible theft of Adviceon’s files or copyright information.
Any party including an ISP or web technician (IT) will be open to litigation for moving or copying or downloading or uploading any content to or from an Adviceon website, without direct agreement in writing from Adviceon.
Due to the technical nature of the service, Adviceon and Financium is not responsible for any problem or loss of data transmission or business income, or any business or personal liability that could be caused when transferring email messages with or without file attachments or via contact pages; or losses or liabilities in relation to any associated email service that you may use in your business, or any down-time experienced when the email service is not functional for any reason or for any length of time, or where unwanted email or viruses are received by anyone; including any mail server record dysfunction during server transfers or mass system configurations or where our integrated email system is not used when other systems offered by other firms are integrated into our platform registry methods.
Adviceon is not responsible for the functionality or continuity of certain elements installed that have been designed by non-Adviceon designers or webmasters, and such work may increase the time beyond Adviceon’s normal design and installation procedures and concomitantly, Adviceon’s billable docket time.
All website design fees shall be invoiced which are incurred beyond the scope of any website build or a simple text update of one or two lines of text; where masthead design and/or logo impartation to a masthead work has been done; multiple or moving mastheads built and/or imparted; or multiple redesigned graphics; or flash design, photo or graphic design or resizing or impartation; or a special project, or form or page url wrap or encoding a widget has been achieved; or excessive admin guidance has been needed for docketed work; and it shall be billed and Adviceon’s accounting will be finally accounted as fees fair, true and due. Where a client has directed website building, refurbishing, or updating beyond minimal text updates (whether there was an estimate requested or not requested), where new or updated design fees have been incurred which are not paid, it shall be viewed that your account is in arrears, and your site may be shut down.
There is No Liability to Adviceon for Website or Content Use
Where any erroneous application of any information on any website built by Adviceon occurs, or by use of Adviceon’s data content, online libraries or articles, it shall not be deemed the responsibility of Adviceon.
Anyone who views this website is strongly advised not to rely on information on these websites as infallible or as accurate Financial information or as Financial advice even if the term “Financial Advice” or “Advice on Money” or “Advice” or “Advisory” or “Financial Planning” or “Financial Plan” or “Planning” or “Financial Advisor” or “Advisor” or any other term that could signify Financial planning advice or any other type of advice, is used. The information on this website does not constitute an offer or solicitation by anyone in any jurisdiction in Canada or outside of Canada for any product or service in which an offer or solicitation cannot legally be made, or to any person to whom it is unlawful to make a solicitation.
References to Goods and Services or Trademarks
References to Goods and Services or Trademarks References in this website or Internet page, or to any party’s goods or services or trademarks or trade names or brand names or links or widgets from services other than owned by Adviceon, Financium, or Canadian Financial Publishing Group, should not be regarded as an endorsement of these goods or services, nor is Adviceon, Financium, or Canadian Financial Publishing Group responsible for the use of such information as it is only offered as an Internet link to such information which is available online, and Adviceon, Financium, or Canadian Financial Publishing Group are not responsible for a misuse or inappropriate application of knowledge from the said information or sites nor any liability caused by such information and as such, any and all Errors or Omissions are Excluded.
Regarding Interpretation of Services
No interpretation, assessment or judgment or bias by any party regarding the services offered by Adviceon shall reflect upon money owing to Adviceon. Adviceon is not responsible for any representative’s, mutual fund dealership’s, mutual fund company’s, life insurance company’s, or Financial company’s, or any other party’s interpretation regarding specific compliance or content issues or updating issues or where any other corporation’s or individual’s or your own judgment or bias of the site is concerned, or if for any reason a mutual fund dealership or any other party requests your website to be reworked or access to your Internet site or data link be shut down for any period of time, and any payments due to Adviceon shall remain due even where a provincial or a national legislative body changes legislation, or where an assessment by any such legislative body shall necessitate a request to Adviceon to change certain elements of any website structure or shall effect the use of any of Adviceon’s websites by the contractee (even though Adviceon seeks to comply within a reasonable period of time). Adviceon seeks to meet all MFDA standards and to keep articles updated and will communicate with any compliance officer with good intentions and will acknowledge suggestions for improvement. Adviceon will remain open to addition or removal or updating or editing of certain portions of text upon request. Adviceon is not responsible for corrections or changes or additions or updates or editing requested by compliance officers or the representative if they are not proofed by the contractee or concerned parties and if there are not further directives issued to Adviceon for correction.
Regarding Co-op Funding For Websites
Though Adviceon offers Internet data more specific to the mutual fund industry, and life insurance industry, it does not take responsibility for any interpretation by any party that deems to pay or not pay for some portion of funding for these Internet websites. Payment by any party subscribing to Adviceon’s Internet services shall remain due irrespective of said interpretation. It is suggested that you do not co-op the website services, but Adviceon will seek to keep the services compliant.
Internet Website Interruptions
Access to Adviceon Data URLs
By virtue of initial use or down payment, all parties contracting, leasing, or invoiced to use Adviceon data for their own website agree to all statements regarding copyright use in this Legal Agreement and shall be liable for payments of invoices issued upon receipt. Upon use of this Internet service, the purchaser automatically agrees not to share any URL or hyperlink with any Financial associate for their own use, and agrees to all the statements set forth herein.
Proofing A Change or Directed Work
When any change to a website is requested by any party with reference to your website, it is the responsibility of the client or contractee to examine and re-examine the requested change on the website until satisfied and Adviceon should be notified until such change is satisfactory. Where any change has been submitted, Adviceon will not necessarily update the website immediately, but may wait one to three days unless otherwise noted. Where work goes beyond the scope of a website build, taking more than four (4) hours for Adviceon to complete, or where multiple updates for one page are similar, Adviceon reserves the right to invoice for prolonged interpretive complexity or the extra time to design, or interpret, or build or re-impart information to a website.
Adviceon and Financium are not responsible for compliance for the purpose of co-op advertising on any website though we seek to comply with all MFDA rules.
Adviceon seeks to operate within compliance rules but is not responsible for non-compliance relating to interpretations of the MFDA rules, or a mutual fund dealership’s rules, even though we seek where possible, to comply at all times. It is the Financial representative’s (the user of these website services) responsibility to inform Adviceon of any change, addition, or deletion required by his or her compliance department or officer, and where any party has a concern regarding compliance, Adviceon shall not be held responsible in any way.
Where Adviceon’s compliance management tool is used by a company, Adviceon is not responsible for the company’s compliance officers’ completion or maintaining of compliance on behalf of the company, or for the use of Adviceon’s tools offered for the company’s convenience; and it is not the responsibility of Adviceon to maintain compliance of the company’s manifesting online content.
Website Promotion Is Not Adviceon’s Responsibility
Initiating an agreement to pay for and access services rendered by Adviceon or Financium, does not imply that Canadian Financial Publishing Group is responsible for or guarantees that anyone browsing the Internet will visit your site through any search engine or by entering your URL in their browser. All promotion and advertising of anyone or any company using access to a website designed by, or services rendered by, Canadian Financial Publishing Group is the responsibility of the contractee or client. The user’s promotion of their site location is their own responsibility and will not set forth any argument for discounting or annulment of payments due, past, present, or future. Adviceon websites can offer reasonable Search Engine Optimization for fees rendered.
Contract Period & Cancellation Policy
The minimum period of initial Internet access to Adviceon’s copyright data shall at least be automatically contracted for a minimum of three (3) years without a formal signed contract or for the term as indicated by a formal singed contract, from the first date of any access to Adviceon’s copyright Internet data or website built by Adviceon, or to any service as indicated on an invoice, and will automatically renew for at least three (3) years, following the initial period, or upon the revision of any website, or upon continued manifestation of Adviceon data libraries on a website which is the responsibility of a non-Adviceon webmaster to remove, or when a website revision is paid for at a special price, or Adviceon data is viewed as not being utilized, the service shall remain payable for another minimum three (3) years irrespective of payment periods or invoicing cycles that are of a shorter duration.
To terminate a website or any copyright access to Adviceon Internet data, a registered letter must be received 90 days in advance of the time of such termination. Where an invoice has been paid in full or in part for a new term, monies are not refundable upon the conclusion of a 90 day cancellation period after the receipt of a registered letter; however Adviceon shall consider transferring monies to an alternate service. In all cases all outstanding fees not yet paid, relating to website hosting, copyright data access, revision or changes, edits, and domain registrations shall be due, including up to the date of requested termination, even where the Internet service has been shut off as per a directive from the client, or for non-payment or for conflict regarding terms of access. Where a dispute arises, Adviceon shall determine the actual initial anniversary date, as the first day of the first copyright Internet access period as stated on Adviceon invoice records, and/or the date of any website revision upon which a new automatic contract period begins for three years at the current monthly rate as established by Adviceon regardless if a contract has been signed or not, even where such revision was done without charge, and the remaining amount shall be due. To seek to circumvent payment of any invoice, or remaining fees due at termination for any reason, not in accord with this agreement, will be deemed an infringement of copyright and prosecuted by law. Termination letters may not be deemed legal if given verbally over the phone or by facsimile or by email, without utilizing a distinct registered mail or courier service that offers a registered receipt as proof of receipt, or where an agreement to settle has been accepted via email with Adviceon and all accounts are attested as paid in full. Nor will past due invoices or monies owed be overlooked where data links are removed from websites for the purpose of evading payment; and it should be seriously noted, that without receipt of a registered letter of cancellation as proof of cancellation, a client will have no legal recourse if payment is overlooked for any reason.
Where any initial website build, or special update, or design work, or website refurbishing or website design switch has occurred to a different designed website from the original website, and a three year period has not evolved from the date of completion of said work, Adviceon reserves the right to charge fees commensurate with any of these said services as noted above, plus the inclusion of retroactive normal monthly fees from the beginning date of said work for an initial website build or date of update, plus any associated administration transfer fee, prior to a release of any domain under Adviceon’s payee jurisdiction.
Any company that has given direction to Canadian Financial Publishing Group, Financium, or Adviceon, by letter or by email, on behalf of, or in union with, or by a representative, or advisor, or owner, or co-owner, or director, or president, or officer of the company, who later fails to pay an account, and has authorized a website build, all parties coporately and personally shall be responsible for any non-payment of account for work so directed on behalf of the comapny or representative who is currently, or was employed by the said company at the time the directive was given.
Adviceon’s accounting shall suffice as final accounting, and can account for work not yet billed or missed billlings for directed or requested work going back three (3) years or where fiscal retainers (funds retained) did not cover such work; and any withholding of payment due shall be deemed an infringement of Adviceon’s copyright from the date Adviceon’s data was historically accessed.
Continuance of Service after Contract
Even where the initial period of copyright Internet access has renewed, or continued past the initial contract period in order to retain pricing, or service, or due to non-cancellation, fees will be deemed due, until either a new contract is formalized or a cancellation is requested and completed as per the above stated method using a registered letter by mail or courier.
Full payment shall be due upon receipt of each invoice on a prepayment basis even where any payment has not been made prior to accessing the copyright Internet access data. Service may be interrupted until such payment is made. All initial set-up and ongoing service fees are to be paid as due when invoiced. Paid invoices for any Internet service are non- refundable for any reason.
Initial And Ongoing Contract Activation
Interruption of Service for Non-Payment or No-Contract
When service is interrupted for non-payment, an additional fee will apply upon reinstatement of services once the historic invoices are paid up to date. If for any reason the contractee or user or client deems to terminate an Internet service in relation to non-payment of an Adviceon invoice an additional fee shall apply to remove the website from service at the discretion of Adviceon. When services are halted or removed for continued non-payment, where any Adviceon invoice is left unpaid, all rates shall be deemed to revert to the current rate and all invoices may be submitted to a collection agency. Adviceon accounting will be the only record of reference to finalize any unpaid account. It is advisable to have a signed formal contract made legal by the agreed signatures including the signature of both the company and Adviceon’s president, which may offer special considerations or discounts on cancellation of remaining monthly service fees. All signatures must coincide within the same period of time of not more than 30 days of signing.
Restrictions to URL Use
The Internet copyright content URLs can be set up on an individual website or corporate website insofar as no page served from the servers of Canadian Financial Publishing Group (Adviceon) is rearranged or copied. All URLs must be accessed from websites or servers owned or leased by Canadian Financial Publishing Group. No other server is allowed to serve the content offered by Canadian Financial Publishing Group.
E-Newsletter of E-Magazine or E-Page URL, or Internet Page
All E-Newsletters, E-Magazines, E-Pages, Internet Pages, or any url offering up information created by Canadian Financial Publishing Group must be paid for in advance and only be sent from launching systems that Adviceon or Canadian Financial Publishing Group has approved. If any other system is used to deploy copyright information of Canadian Financial Publishing Group it must be pre-approved by email prior to use. Canadian Financial Publishing Group url pages are not to be sent in tandem with any other document, other than a simple introduction by a paying Adviceon client.
Canadian Financial Publishing Group will not be responsible for premature advertisements or promotion by any user or client to anyone, by any method presenting their website as ready to view, until all configurations are proven to be working to the client’s total satisfaction as it often takes more time than anticipated to configure a website for multiple reasons. Adviceon may access monthly payments as soon as the architecture of the website or pages of the website are formed.
Financial Content Data URLs
Where Adviceon’s content is linked to a website by a paying client, such urls should be checked to see if more urls have been added, or if some have been changed or discontinued, and such management is the responsibility of the user.
All online statements and statistics set forth on any online page as offered by Canadian Financial Publishing Group are intended for educational purposes only and are believed to be true and dependable, however accuracy of content is not guaranteed, nor will Adviceon or a Financial Advisor or a company associated with the Financial Advisor or any party contracting the services of Adviceon assume liability for Financial applications or a securities trade or investment decision or life insurance purchase based on any article, graph or statistic on this website, even where an error or omission occurs. The reader is advised to seek additional professional advice and to evaluate strategies applicable to each individual’s objectives.
Investors and the general consumer referencing this website should inform themselves regarding securities, taxation or exchange control legislation which may affect them personally. This website is for general information only and is not intended to provide specific personalized advice regarding and including, without limitation, securities trading, mutual funds, segregated funds, investments, investing, Financial matters, legal matters, life insurance, estate planning, disability insurance, medical or psychological well-being, general insurance, travel planning or travel insurance, health concerns or problems, accounting or tax advice, or any other service deemed advice, consultation, or recommendation. Please consult an appropriate professional regarding your particular circumstances.
Information provided by Canadian Financial Publishing Group and other sources on this website is believed to be accurate and reliable when placed on this site, but we cannot guarantee it is accurate or complete or current at all times. Information on this site is for information purposes only and is not intended to provide Financial, legal, accounting or tax advice and should not be relied upon with regard to any decision affecting Financial planning or the purchase of a security, mutual fund, or life insurance.
We endeavour to keep legislative related information at this site current. However legislative related information is subject to change at any time without notice to users and the posted information at any Internet website serviced by Canadian Financial Publishing Group may not immediately reflect such changes. Information in this website is subject to change without notice and Adviceon and the owner of this website is not liable for any inaccuracies in the information presented.
Limitation of Liability for Public Use
The content in this website does not constitute an offer or solicitation. References in this Internet website to third party goods or services should not be regarded as an endorsement of these goods or services. This website is intended for Canadian residents only and the information contained herein is subject to change without notice. The owner and publisher of this Internet-based website are not liable for any inaccuracies in the information provided.
Trademarks and registered trademarks in association with Canadian Financial Publishing Group are owned by Adviceon. Reproduction by any means without written permission of the publisher is strictly forbidden. The publisher will consider authorization of reprints used only by their current clients who inform Canadian Financial Publishing Group prior to use and have received written authorization prior to such use. Contact the publisher at firstname.lastname@example.org
Canadian Financial Publishing Group does not sell financial products.
Legal Liability for Damages
Anyone attempting to cause damage to the files or stability of any website operated by Canadian Financial Publishing group or divisions or Trade-names such as Adviceon, or Financium, or Skyroom will be sued at the highest level of business law possible for all damages caused by either neglect or intention to harm.
General Mutual Fund Disclaimer
Only registered representatives of a Mutual Fund Dealer offer mutual funds; and segregated funds are also offered by life insurance representatives.
Before investing in any mutual fund, it is important to read the specific fund’s simplified prospectus. Commissions, trailing commissions, management fees, tax payable, and expenses may be associated with mutual fund investments. Mutual funds are not guaranteed. Their values change frequently and past performance may not be repeated. Any indicated mathematical return, including those set forth on graphs or tables in this online publication, is used only to illustrate the potential effects of the compound growth rate and is not intended to reflect future values of returns on any specific investment or any other financial product. It is strongly recommended that you seek professional advice to inform yourself regarding mutual funds or any other financial product as it relates to your circumstance.
Borrowing for investment purposes can magnify the risk as well as the reward of investing. All precautions regarding mutual funds also apply to segregated funds. You should not make any personal decision or act on any information in this online publication because it is meant for educational purposes only, and it may not be currently accurate or applicable to your circumstance. The publisher (and Canadian Financial Publishing Group) will not be held liable in any way for any financial planning application, or inaccuracies, or errors, or omissions in relation to the information in this online publication. Trademarks and registered trademarks are owned by the publisher (and Canadian Financial Publishing Group). Reproduction by any means without written permission of the Adviceon is strictly forbidden.
To Discuss Strategic Relationships
Canadian Financial Publishing Group supplies website content to existing websites as well as builds new Financial websites that yield Adviceon content. To order a website or discuss how to use website content please contact Canadian Financial Publishing Group at email@example.com or call:
Canadian Financial Publishing Group
TD Canada Trust Tower
55 King Street West, Suite 700
Kitchener, ON N2G 4W1