Disclaimer | Bow Valley Private Wealth Management

Primary Disclaimer

The information contained herein is intended only for residents of Alberta, British Columbia, and Ontario. It does not constitute an offer to sell or a solicitation to buy in any other Canadian or foreign jurisdiction.

Mutual Funds are available through Global Maxfin Investments Inc.
Insurance Products, Segregated Funds, HISA, and GICs are available through Bow Valley Private Wealth Management.
Financial Planning Services are available through Sylwester (Sly) Kulczynski, CFP, RRC.
Mortgage Products are available through Mortgage Intelligence.

This publication contains the opinions of the writer and may not reflect the opinions of Global Maxfin Investments Inc. Information has been obtained from sources believed to be reliable; however, no representation or warranty, express or implied, is made regarding its accuracy, completeness, or correctness.

This publication is not an offer to sell or a solicitation to buy any securities. Securities discussed may not be eligible for sale in all jurisdictions. If you are not a Canadian resident, this publication should not have been delivered to you.

This material is not intended to provide legal, accounting, or financial advice. As each individual situation differs, you should consult your own professional advisors.

Dual-Licensing Disclaimer

Global Maxfin Investments Inc. is registered as a Mutual Fund Dealer with the Provincial Securities Commissions. Its Associates are permitted to sell mutual funds and other approved securities under this registration.

Associates may also provide additional services or products through their own separate businesses. As a member of the Mutual Fund Dealers Association of Canada (MFDA), Global Maxfin Investments Inc. is required to disclose that you may be dealing with companies other than Global Maxfin Investments Inc.

Remuneration to your Associate may come from various sources depending on the services or products purchased.

Services offered through a separate business (not the responsibility of Global Maxfin Investments Inc.) may include:

Deposit Instruments (High Interest Savings Accounts and GICs)
Financial Planning services, including fee-for-service planning
Estate Planning
Tax Planning or Income Tax Preparation
Insurance (Life, Accident, Sickness, Disability, General)

Please ensure you understand which company you are dealing with for each service or product. Your Associate will be happy to provide clarification.

No Legal or Financial Advice

The information provided on this website is for informational purposes only. Under no circumstances should it be considered financial, accounting, legal, or tax advice.

You should consult your financial advisor before acting on any information found on this website.

Link Disclaimer

Links to third-party websites do not imply endorsement by ADVISOR NAME or Global Maxfin Investments Inc. No responsibility is accepted for the accuracy of information on linked sites.

Opinions or advice expressed on linked websites do not represent the opinions of ADVISOR NAME or Global Maxfin Investments Inc.

By clicking a third-party link, you will leave this website. Privacy and security policies may differ from those practiced by ADVISOR NAME or Global Maxfin Investments Inc.

Mutual Funds Disclaimer

Commissions, trailing commissions, management fees, and expenses may be associated with mutual fund investments. Please read the prospectus before investing.

Mutual funds are not guaranteed, their values change frequently, and past performance may not be repeated.

Opinion / Market Commentary Disclaimer

Articles on this website contain opinions of the writer and may not reflect the views of Global Maxfin Investments Inc.

Information is believed to be reliable, but no warranty is made as to its accuracy or completeness. This website is not an offer to sell or a solicitation to buy securities.

Borrowed Money (Leverage) Disclaimer

Advertising leveraged strategies to the general public is generally not permitted. However, advertising RRSP loans as part of a taxation strategy is permissible.

Borrowing money to invest involves greater risk than investing using cash only. You must repay the loan and interest even if the value of the investments declines.

Calculators & Rate of Return Disclaimer

Financial calculators are for illustrative purposes only and should not be relied upon as accurate indicators of your financial needs.

Results depend on the accuracy of assumptions provided and may change over time. No guarantee is made regarding accuracy, reliability, or compatibility.

Illustration Disclaimer

Rates of return and mathematical tables are used solely to illustrate compound growth and do not reflect actual or future investment performance.

An assumed rate of return (8%) is used for illustration only and is not guaranteed. Actual results may vary.

Suitability Disclaimer

This website does not constitute an offer or solicitation. Products mentioned may not be suitable for all clients.

You should seek advice based on your individual circumstances.

E-mail Disclaimer

E-mail communication over the internet is not secure and privacy cannot be guaranteed. ADVISOR NAME and GMII are not responsible for damages resulting from electronic communication of confidential information.

Confidentiality Disclaimer

The internet is not a secure medium. E-mail may be intercepted or altered. ADVISOR NAME and Global Maxfin Investments Inc. cannot guarantee the privacy of communications sent over the internet.

Warranty Disclaimer

The website and its content are provided “as is” without warranties of any kind. No guarantee is made regarding accuracy, completeness, or results obtained from use of this website.

ADVISOR NAME and Global Maxfin Investments Inc. do not warrant that the site or linked sites are uninterrupted, error-free, or free of viruses or harmful components.

No Solicitation

Nothing on this website constitutes a solicitation or offer to buy or sell products or services by ADVISOR NAME or Global Maxfin Investments Inc.

Accuracy and Changes

Information on this website is provided as a general source and is not guaranteed to be current, accurate, or complete. Content may change without notice.

Limitation of Liability

ADVISOR NAME and Global Maxfin Investments Inc. shall not be liable for any direct, indirect, incidental, or consequential damages arising from the use or misuse of this website.

Segregated Funds Disclaimer

Subject to applicable death and maturity guarantees, amounts invested in segregated funds are at the risk of the contract holder and may increase or decrease based on market performance.

Foreign Language Disclaimer

The official version of this website is the English version. Any translated versions are provided for convenience only and have no legal effect.

U.S. Tax Disclaimer

Any U.S. federal tax advice contained herein is not intended to be used to avoid penalties under U.S. federal tax law.