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<h1>Disclaimer</h1>
<p>Last Updated: July 31, 2026</p>
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<p>Welcome to <strong>mehdirad.ca</strong>.</p>
<p>The information on this Website is provided solely for general educational and informational purposes. By using this Website, you agree to this Disclaimer.</p>
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<h2>1. No Professional Advice</h2>
<p>Website content, including articles, calculators, examples, videos, and downloads, is educational only and is not legal, tax, accounting, investment, financial planning, insurance, or other professional advice.</p>
<p>Do not make financial or insurance decisions solely from this Website. Obtain advice appropriate to your circumstances before acting.</p>
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<h2>2. No Client Relationship</h2>
<p>Using this Website, submitting forms, requesting quotes, booking appointments, sending emails, or downloading materials does not create an advisor-client relationship.</p>
<p>A professional relationship exists only after applicable regulatory, licensing, identification, suitability, and documentation requirements are completed.</p>
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<h2>3. Educational Information</h2>
<p>Examples, calculations, illustrations, case studies, and hypothetical scenarios are for financial education only. They are not recommendations or guarantees of future results.</p>
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<h2>4. No Guarantees</h2>
<p>Investments may rise or fall in value. Premiums, benefits, policy values, dividends, returns, rates, guarantees, and product features depend on contracts, underwriting, markets, product design, and the issuing company.</p>
<p>Past performance does not guarantee future results.</p>
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<h2>5. Accuracy</h2>
<p>Reasonable efforts are made to keep information accurate and current. However, laws, tax rules, products, government programs, underwriting guidelines, and regulations may change without notice.</p>
<p>No warranty is made regarding completeness, accuracy, reliability, or timeliness.</p>
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<h2>6. Product Availability</h2>
<p>Products and services may not be available in every province or territory. Availability depends on licensing, regulation, insurer participation, eligibility, underwriting approval, and other conditions.</p>
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<h2>7. Third Parties and External Links</h2>
<p>References or links to insurers, financial institutions, government agencies, and other third parties are for convenience and do not constitute endorsement.</p>
<p>Official contracts, policy documents, and publications govern. We are not responsible for external content, accuracy, privacy, security, availability, or policies.</p>
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<h2>8. Limitation of Liability</h2>
<p>To the fullest extent permitted by law, Mehdi Rad is not liable for direct, indirect, incidental, consequential, special, or other damages arising from use of or reliance on this Website.</p>
<p>You use this Website at your own risk.</p>
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<h2>9. Regulatory Matters</h2>
<p>Insurance is subject to underwriting and insurer terms. Investments involve risk and may fluctuate. Nothing on this Website is an offer or solicitation where prohibited by law.</p>
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<h2>10. Intellectual Property</h2>
<p>Unless stated otherwise, Website text, graphics, images, logos, educational materials, and original articles are protected by copyright and intellectual property laws. Unauthorized reproduction, distribution, or commercial use is prohibited.</p>
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<h2>11. Changes</h2>
<p>This Disclaimer may be updated without notice. The current version and effective date will be posted on this Website.</p>
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<h2>Contact</h2>
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<p><strong>Mehdi Rad</strong></p>
<p>Website: <a href="https://www.mehdirad.ca">www.mehdirad.ca</a></p>
<p>Email: <a href="mailto:admin@mehdirad.ca">admin@mehdirad.ca</a></p>
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<footer class="f">© 2026 Mehdi Rad. All Rights Reserved.</footer></main></div>
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