1. Purpose of the Website

This Website provides educational information relating to insurance, financial literacy, retirement planning, registered accounts, investments, and related topics.

The information is provided solely for informational and educational purposes and does not constitute legal, tax, accounting, investment, financial planning, or insurance advice.

Nothing on this Website constitutes a recommendation to purchase, replace, surrender, or modify any financial or insurance product.

2. Eligibility

You must be at least the age of majority in your jurisdiction to use this Website.

By using this Website, you represent that you are legally capable of entering into binding agreements.

3. No Professional Relationship

Your use of this Website does not create an advisor-client relationship.

A professional relationship exists only after all applicable regulatory requirements have been completed and I have formally agreed to provide professional services.

4. No Guarantee

Although reasonable efforts are made to maintain accurate information, no guarantee is made regarding:

• Accuracy
• Completeness
• Reliability
• Timeliness
• Availability

Information may change without notice.

5. User Responsibilities

You agree to use this Website only for lawful purposes.

You agree not to:

• Violate any applicable law
• Attempt unauthorized access
• Upload malicious software
• Interfere with Website security
• Copy protected content without permission
• Misrepresent your identity
• Submit false information

6. Intellectual Property

Unless otherwise stated, all original content is owned by Mehdi Rad.

This includes:

• Articles
• Educational materials
• Graphics
• Website design
• Text
• Downloads
• Original illustrations
• Layout
• Logos created for this Website

No content may be copied, reproduced, translated, distributed, modified, sold, or republished without prior written permission.

7. Third-Party Content

This Website may reference third-party companies, insurers, government agencies, products, trademarks, and websites.

Such references are provided for informational purposes only.

Nothing on this Website implies sponsorship, endorsement, partnership, or affiliation unless expressly stated.

8. External Links

Links to external websites are provided solely for convenience.

I am not responsible for:

• Third-party content
• Website availability
• Security
• Privacy practices
• Products or services offered by third parties

9. Quotes and Product Information

Any quotations, illustrations, premium examples, product descriptions, policy summaries, or comparisons are illustrative only.

Actual premiums, underwriting decisions, product availability, and policy provisions are determined solely by the issuing insurance company.

10. Registered Accounts

Information regarding TFSA, RRSP, FHSA, RESP, RDSP, RRIF, LIF, LIRA, and other registered accounts is intended for educational purposes only.

Contribution limits, tax rules, withdrawal rules, and government legislation may change.

Users should verify current rules through official government sources.

11. Investment Risk

Investments involve risk.

Past performance does not guarantee future performance.

Investment values may increase or decrease.

No guarantee is made regarding returns, performance, tax savings, or investment outcomes.

12. Insurance Underwriting

Insurance coverage is subject to underwriting.

Submitting an inquiry or application does not guarantee approval.

All underwriting decisions remain the responsibility of the insurance company.

13. Limitation of Liability

To the fullest extent permitted by law, Mehdi Rad shall not be liable for any direct, indirect, incidental, consequential, punitive, or special damages arising from:

• Use of this Website
• Reliance on Website content
• Technical interruptions
• Errors or omissions
• Third-party services
• External websites

14. Website Availability

Although reasonable efforts are made to keep this Website operational, uninterrupted availability cannot be guaranteed.

Maintenance, upgrades, security issues, or technical failures may temporarily affect access.

15. Artificial Intelligence

Some content may be created, translated, summarized, or edited using artificial intelligence technologies.

Human review is performed whenever reasonably possible.

AI-generated information may contain inaccuracies and should not replace professional advice.

16. Privacy

Your use of this Website is also governed by the Privacy Policy.

17. Copyright

All original materials published on this Website remain protected by Canadian copyright laws.

Unauthorized copying, republication, translation, commercial use, or distribution is prohibited.

18. Indemnification

You agree to indemnify and hold harmless Mehdi Rad from any claims, damages, liabilities, losses, costs, or expenses arising from your misuse of this Website or violation of these Terms.

19. Governing Law

These Terms shall be governed by the laws of the Province of British Columbia and the applicable laws of Canada.

Any dispute arising from these Terms shall be subject to the jurisdiction of the courts of British Columbia, unless otherwise required by applicable law.

20. Changes to These Terms

These Terms may be modified at any time without prior notice.

Continued use of the Website following any updates constitutes acceptance of the revised Terms.

21. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

22. Entire Agreement

These Terms of Use, together with the Privacy Policy and Disclaimer, constitute the entire agreement governing your use of this Website.

Contact

Questions regarding these Terms may be directed to: