SECTION 1Definitions
1.1
"Company," "we," "us," "our" refers to Mynewlife Investments Inc., a corporation registered in Quebec, Canada, with offices at 991 Avenue Chaumont, Montréal, Quebec H2J 2J3.
1.2
"Website" refers to mynewlifeinvestments.com and all associated pages, subdomains, and digital properties operated by Mynewlife Investments Inc.
1.3
"User," "you," "your" refers to any individual accessing or using the Website, whether as a prospective client, existing client, or general visitor.
1.4
"Services" refers to the investment management, financial planning, and advisory services described on the Website, including but not limited to discretionary portfolio management, comprehensive financial planning, corporate investment strategy, retirement decumulation, OCIO services, tax-efficient structuring, RESP optimization, estate and succession coordination, investor education programs, and portfolio review and second opinion services.
SECTION 2Acceptance of Terms
2.1
By accessing this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service in their entirety.
2.2
If you do not agree to these terms, you must discontinue use of the Website immediately. Continued use of the Website following the posting of revised Terms of Service constitutes your acceptance of those revisions.
SECTION 3Informational Purposes Only
3.1
The content on this Website — including but not limited to articles, market commentary, research summaries, service descriptions, educational materials, and the weekly newsletter archive — is provided for informational purposes only.
3.2
Nothing on this Website constitutes personalized investment advice, a solicitation to buy or sell securities, or a recommendation regarding any specific investment strategy, portfolio composition, or financial planning decision.
3.3
Investment decisions should be made only after consultation with a qualified professional who has assessed your individual financial circumstances, risk tolerance, investment objectives, and tax situation. The information presented herein is not commensurate with the due diligence required for any specific investment decision.
SECTION 4No Guarantee of Results
4.1
Past performance is not indicative of future results. Any historical returns, expected returns, or probability projections presented on this Website are for informational and illustrative purposes only and may not reflect actual future performance.
4.2
Any performance data, projections, case studies, client testimonials, or scenario analyses presented on this Website are illustrative and may not reflect actual future outcomes. Individual results will vary based on market conditions, timing, asset allocation, and a multitude of factors beyond the Company's control.
4.3
Investing involves risk, including the possible loss of principal. The value of your investment may fluctuate, and you may receive back less than your original investment. There is no guarantee that any investment strategy will achieve its stated objectives.
SECTION 5Registration & Regulatory Status
5.1
Mynewlife Investments Inc. is registered as a Portfolio Manager and Investment Fund Manager with the Autorité des marchés financiers (AMF) du Québec, Registration No. PMF-2012-0847.
5.2
Additionally registered with the Ontario Securities Commission (OSC), Registration No. PM-7291034.
5.3
Registration with any securities regulatory authority does not imply endorsement, approval, or any certification of the qualifications of the Company or the accuracy or completeness of the information available on this Website.
SECTION 6Intellectual Property
6.1
All content, text, graphics, logos, design elements, proprietary research, market commentary, analytical frameworks, performance attribution methodologies, and educational materials on this Website are the intellectual property of Mynewlife Investments Inc. unless otherwise explicitly stated.
6.2
You may not reproduce, distribute, modify, transmit, display, publish, license, or create derivative works from any content on this Website without prior written consent from Mynewlife Investments Inc. Unauthorized use may violate copyright, trademark, and other applicable laws.
6.3
The "Mynewlife Investments Inc." name, logo, and associated trade dress are trademarks of the Company. Any use without express written authorization is strictly prohibited.
SECTION 7Client Portal Access
7.1
Access to the client portal is restricted to authorized clients of Mynewlife Investments Inc. who have executed an Investment Management Agreement or Financial Planning Agreement and have been issued login credentials by the Company.
7.2
You are responsible for maintaining the confidentiality of your login credentials, including your email address and password. Any activities occurring under your account credentials are your sole responsibility.
7.3
You must notify us immediately at contact@mynewlifeinvestments.com or by calling (720) 227-4800 of any unauthorized access to your account or any other breach of security. The Company shall not be liable for any loss arising from your failure to safeguard your account information.
SECTION 8Third-Party Links
8.1
This Website may contain links to third-party websites, including but not limited to regulatory bodies (AMF, OSC), custodian platforms, financial data providers, and educational resources. These links are provided for convenience and informational purposes only.
8.2
Mynewlife Investments Inc. is not responsible for the content, accuracy, completeness, timeliness, or privacy practices of external sites. The inclusion of any link does not imply endorsement, sponsorship, or affiliation with the linked entity.
SECTION 9Limitation of Liability
9.1
To the fullest extent permitted by applicable law, Mynewlife Investments Inc., its officers, directors, employees, agents, partners, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to your use of — or inability to use — this Website, including but not limited to damages for loss of profits, data, goodwill, or other intangible losses.
9.2
The Website is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy. The Company does not warrant that the Website will be uninterrupted, error-free, or free from viruses or other harmful components.
9.3
In no event shall the aggregate liability of Mynewlife Investments Inc. for all claims arising from your use of this Website exceed the amount of one hundred Canadian dollars (CAD $100.00).
SECTION 10Governing Law
10.1
These Terms of Service shall be governed by and construed in accordance with the laws of the Province of Quebec and the federal laws of Canada applicable therein, without regard to any conflict of law principles.
10.2
Any disputes arising from or relating to these Terms or your use of the Website shall be resolved exclusively in the courts of competent jurisdiction within the judicial district of Montréal, Quebec. You hereby irrevocably submit to the jurisdiction of said courts.
SECTION 11Amendments
11.1
We reserve the right to modify, amend, or replace these Terms of Service at any time and at our sole discretion. Material changes will be indicated by updating the "Last Updated" date at the top of this page.
11.2
It is your responsibility to review these Terms periodically. Your continued use of the Website following the posting of any modifications constitutes acceptance of those modifications.
SECTION 12Contact
Mynewlife Investments Inc.
991 Avenue Chaumont, Montréal, Quebec H2J 2J3
Phone: (720) 227-4800
Email: contact@mynewlifeinvestments.com
Registered with AMF du Québec: PMF-2012-0847 · OSC: PM-7291034
Important Disclosures
Past performance is not indicative of future results. Historical returns, expected returns, and probability projections are provided for informational and illustrative purposes and may not reflect actual future performance.
Investing involves risk, including the possible loss of principal. The value of your investment may fluctuate, and you may receive back less than your original investment.
Mynewlife Investments Inc. is registered as a Portfolio Manager and Investment Fund Manager with the Autorité des marchés financiers (AMF) du Québec, Registration No. PMF-2012-0847. Additionally registered with the Ontario Securities Commission (OSC), Registration No. PM-7291034.
The content presented on this website is for informational purposes only and does not constitute personalized investment advice, a solicitation, or a recommendation to buy or sell any security. Please consult with a qualified professional regarding your individual financial situation.