Website/Canadian Residency Disclaimer
The information contained herein is for Canadian residents only and does not constitute an offer to sell or a solicitation in any foreign jurisdiction, or in any Canadian jurisdiction where Toby Johnston-Stewart is not qualified to effect sales. This website is not meant to provide legal or account advice. As each situation is different you should consult your own professional advisor for advice based on your specific circumstances.
Link Disclaimer: Link to Third Party Website
Toby Johnston-Stewart and Global Maxfin Investments Inc do not make any representation that the information in any linked site is accurate and will not accept any responsibility or liability for any inaccuracies in the information not maintained by them, such as linked sites. Any opinion or advice expressed in a linked site should not be construed as the opinion or advice of Toby Johnston-Stewart or Global Maxfin Investments Inc. The information in this communication is subject to change without notice.
Calculators & Rate of Return Disclaimer
This calculator is for illustrative purposes only and should not be relied upon, as an accurate indication of your financial retirement needs. As each individual’s situation is different and changes over time, the results are limited by the accuracy of the assumptions you make in providing the information used in the calculation. I (we) do not guarantee that this calculator is reliable, accurate or complete or that it will be compatible with your computer.
Rate of Return:
[The rate of return or mathematical table shown] is used only to illustrate the effects of the compound growth rate and is not intended to reflect future values of [the mutual fund or asset allocation service] or returns on investment [in the mutual fund or from the use of the asset allocation service].
The rate of return is used only to illustrate the effects of compound growth and is not intended to reflect future value of the mutual fund or returns on investment in the mutual fund.
Dual-Branding Disclaimer Global Maxfin Investments Inc.
Global Maxfin Investments Inc. is registered as a Mutual Fund Dealer with the Provincial Securities Commissions and as such our Associates are entitled to sell mutual funds and other approved securities as permitted under our registration. They may also be able to provide other services or products to you through their own business. As a member of the Mutual Fund Dealers Association of Canada (“MFDA”), Global Maxfin Investments Inc. is obligated to disclose to you that you may be dealing with companies other than Global Maxfin Investments Inc. when purchasing services or products from your Associate (remuneration to your Associate may also come from various sources depending on the services or products purchased). For example, your Associate may offer any one or more of the following through a separate business, which would not be the responsibility of Global Maxfin Investments Inc.:
• Deposit Instruments: GICs, Canada Savings Bonds;
• Fee for Service Financial Planning;
• Estate Planning;
• Tax Planning or Income Tax Preparation;
• Insurance: Life, Accident, Sickness, Disability, General.
Please be sure that you have a clear understanding of which company you are dealing with for each of your services and products. Your Associate would be happy to provide any clarification you require.
This material is not to be construed as an offer or solicitation. The securities mentioned may not be necessarily be considered to be suitable investments for all clients. Contact your investment advisor to discuss your individual investment needs.
Commissions, trailing commissions, management fees and expenses all 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 vs. Market Commentary
All materials, information and newsletters in this website contain the opinions of the writer and may not reflect opinions of Global Maxfin Investments Inc. The information contained herein was obtained from sources believed to reliable, but no representation, or warranty, express or implied, is made by the writer or Global Maxfin Investments Inc. or any other person as to its accuracy, completeness or correctness.
E-mail over the internet is not a secure medium and privacy cannot be guaranteed. Stewart Harbour Financial Ltd. and Global Maxfin Investments Inc. cannot accept any responsibility for any harm or damage incurred as a result of sending personal or confidential information to Stewart Harbour Financial Ltd. or Global Maxfin Investments Inc. over the internet, or if information is sent over the internet at your request.
The Internet is not a secure medium and privacy cannot be assured. E-mail is vulnerable to interception and forging. Stewart Harbour Financial Ltd. and Global Maxfin Investments Inc. cannot ensure the privacy of any information or instructions you send to us or that we send to you over the Internet. Stewart Harbour Financial Ltd. and Global Maxfin Investments Inc. 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.
Subject to any applicable death and maturity guarantee, and part of the premium or other amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value according to fluctuations in the market value of the assets in the segregated fund.
Nothing on this website constitutes a solicitation or offer by Global Maxfin Investments Inc. to buy or sell products or services of any kind whatsoever.
Borrowed Money (Leverage) Disclaimers
Generally, it is not allowed practice to advertise leveraged strategy to general public. However, advertising RRSP loan as part of taxation strategy is permissible. Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchases declines.
Limitation of Liability
Toby Johnston-Stewart and Global Maxfin Investment Inc. will not be responsible or liable for any direct, indirect, special, incidental, or consequential damages, or any other damages whatsoever, including, without limitation, lost revenues, lost profits or loss of prospective economic advantage, resulting from the use or misuse of this website, or the information or documents thereof, even if advised of the possibility of such damages or such damages are reasonably foreseeable.
Toby Johnston-Stewart and Global Maxfin Investment Inc. does not warrant the accuracy, completeness, quality, adequacy or content of any information or tool on the website nor does it make any warranty as to the results that may be obtained from the use of the service.
The website and content are provided “as is” without warranty or condition of any kind. Toby Johnston-Stewart and Global Maxfin Investment Inc. does not warrant that this site or any sites, to which this site is linked , and any information, or other material downloaded from this site, or linked sites are uninterrupted, error-free, or free of viruses, defects or other harmful components.