LEGAL
www.simplefinancialadvice.com is a website that has been developed by Scott A.G. McNiece who is licensed through Monarch Wealth Corporation. Scott A.G. McNiece is a licensed mutual fund advisors only able to deal with clients in Ontario. The opinions expressed on www.simplefinancialadvice.com are solely those of the author and in no way are representative of the opinions of Monarch Wealth Corporation.
Monarch Wealth Corporation (MWC) is a mutual fund dealer head quartered in Toronto, Ontario, Canada. References to "Monarch" may refer either to Monarch Wealth Corporation, Monarch Wealth Assurance Agencies (MWAA), Monarch Wealth Deposit Group (MWDG) or to its operating subsidiaries. Through Monarch and its subsidiaries, the company offers a variety of financial and planning products and services through its various operating subsidiaries. By entering this site, you agree to be bound by and accept the following terms:
General
The contents of this web site, www.simplefinancialadvice.com, are provided for information purposes only and are not intended to provide to you specific advice with respect to your financial, investment, tax, legal or accounting matters. For information specific to your situation you should consult a Monarch advisor or other appropriate investment, legal or accounting professional. Relying on the information contained in this website without attaining professional advice is not recommended. Furthermore, if you do rely on the information contained in the website, www.simplefinancialadvice.com, you do so at your own risk.
Any fact and data provided in this website, www.simplefinancialadvice.com, are believed to be reliable at the time of posting. Monarch cannot guarantee the continued accuracy completeness or that they will be current at all times. All opinions expressed and data are subject to change without notice and in some cases are the opinion of the author.
In addition to these terms and conditions you are bound by the specific terms and conditions set out in disclaimers applicable to various portions of this site. www.simplefinancialadvice.com and or Monarch, its subsidiaries and affiliates are not responsible in any manner for direct, indirect, special or consequential damages caused, arising out of the use of this web site.
Products and Services
Products and services may only be sold through companies and individuals licensed to sell the product in jurisdictions in which the product is qualified for sale. This web site, www.simplefinancialadvice.com, does not constitute an offer or solicitation to buy or sell any product or service to anyone in the United States of America, its territories or possessions or in any jurisdiction in which an offer or solicitation is not authorized or cannot legally be made or to any person to whom it is unlawful to make an offer or solicitation. For information specific to your jurisdiction, please contact your nearest Monarch branch office and/or Monarch Head Office.
The terms and conditions under which products and services may differ from those set out on this web site, www.simplefinancialadvice.com, and may change from time to time. Products and services are provided only in accordance with the terms of the specific investment contract, prospectus or other documents or contracts governing their sale. In case of any inconsistency between the content of this web site, www.simplefinancialadvice.com, and any such investment contract, prospectus or other document or contract the terms of the investment contract, prospectus or other document or contract shall prevail. While every effort is made to keep the contents of this web site, www.simplefinancialadvice.com, current, you should check with your Monarch advisor to determine whether changes have been made to the terms and conditions under which Monarch products and services are offered that are not reflected on this web site.
Internet Communications
PLEASE BE ADVISED THAT TRADING INSTRUCTIONS WILL NOT BE ACTED UPON VIA E-MAIL. Without the use of secure encryption, the Internet is not a secure medium and privacy cannot be ensured. Internet e-mail is vulnerable to interception and forging. Monarch cannot ensure the privacy and authenticity of any information, and will not accept any instructions, that you send to us over the Internet. Monarch will not be responsible for any damages you may incur if you communicate confidential information to us over the Internet or if we communicate such information to you at your request.
Applicable Agreements
All products and services of Monarch are offered for sale subject to the terms of the applicable agreements. In some cases, certain products may be offered via a referral arrangement with another legal entity. Please consult any Monarch branch in your jurisdiction for complete and up-to-date information on products and services.
Investment Calculations
Mathematical calculations and projections are for illustrative purposes only. These calculations are not guaranteed to be accurate and complete and should be only used as reference or a guide.
Trade-Marks and Copyrights
Certain names, words, phrases, graphics or designs in this web site may constitute registered or unregistered trade-marks or service marks (collectively, "Trade-Marks") of www.simplefinancialadvice.
Third Party Links
Links to external website not connected with www.simplefinancialadvice.com are for informational purposes only. www.simplefinancialadvice.com has no control of the information presented on an external website. www.simplefinancialadvice.com will not be liable for any inaccuracies in such information or for the content of any linked web sites that are not maintained by www.simplefinancialadvice.com nor does www.simplefinancialadvice.com endorse any product or service available through a linked web site. www.simplefinancialadvice.com makes no claims that third party web sites will be free of viruses, worms, trojan horses or other destructive components on or from such web sites. Linking to another web site is at your sole risk and www.simplefinancialadvice.com is not responsible or liable for any damages in connection with linking.
Jurisdiction
The information contained in this website, www.simplefinancialadvice.com, is intended for use by individuals resident in provinces in which the advisors are licensed to conduct business only in Ontario. Any products or services mentioned on this website are made available only in accordance with local law (including securities law) and only where they may be lawfully offered for sale.
Client Complaint Process
As a dealer of the advisors, Monarch takes complaints seriously. Any complaints received by Monarch’s offices are dealt with on an individual basis and a thorough analysis of the complaint is performed. Monarch’s client complaint process is detailed in a letter to all of our clients who are subject of a complaint.
GICs offered through Monarch Wealth Deposit Group Inc.
Mutual funds offered through Monarch Wealth Corporation
BLOG Opinion Disclaimer
It is a regulatory requirement that all disclaimers be displayed in a minimum 10-point font size.
This Blog contains Scott McNiece’s views on various topics as well as comments submitted by Website users. The information contained here is for general information purposes only. This information is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. However, please call Scott McNiece to discuss your particular circumstances.
This Blog is intended to be a convenient means of exchanging ideas and opinions, and is not comprehensive or detailed concerning any matters addressed. Comments expressed here should not be construed as specific personalized advice or recommendations including, without limitation, investment, financial, legal, accounting or tax advice. Nor should the comments expressed here be construed as an offer, solicitation or recommendation to sell or buy any stock, bond, mutual fund or any other financial instrument or any product or service.
If you submit a comment to the Blog, you must ensure that your comments comply with the following:
•Authorship:
You must be the sole author of the comment, which must not include materials created by other persons.
•Accuracy:
Your comment must accurately reflect your opinion. The comment must identify you as the person submitting the comment, and must not falsely state or otherwise misrepresent an affiliation with any other person or entity.
•No Commercial Promotion:
Your comment must not reference or promote any business, products or services, including without limitation soliciting business or selling or offering to sell any goods or services.
•Respect Rights of Other’s:
Your comment must not infringe the legal rights, including personal information protection, privacy and intellectual property rights, of any other person, and must not contain personal information,(such as names, telephone numbers, email addresses, postal addresses, social insurance or social security numbers) about any other person.
•Non Offensive:
Your comment must not be abusive, deceptive, defamatory, derogatory, fraudulent, harassing, harmful, hateful, indecent, obscene, offensive, pornographic, profane, racist, sexist, sexually explicit, threatening, vulgar, or otherwise objectionable, and must not advocate, depict, encourage, or tend to incite any such conduct, the commission of a crime or other unlawful activities.
Comments submitted to the Blog are not secure or confidential. Not all comments submitted to the Blog will be posted to the Blog. Scott McNiece is not obligated to monitor, screen, police or edit comments submitted to the Blog, although Scott McNiece reserves the right to do so at his discretion. Scott McNiece may, at his discretion, remove comments from the Blog without any notice or liability to you or any other person.
If you have concerns regarding the Blog, please send an email, including your name, email address and a summary of your concerns, to smcniece@monarchwealth.ca.
