Disclosures and Disclaimers

This website and the information in it are subject to the following disclosure and disclaimers. Please read them carefully.

Canadian Residency and Non-Solicitation

The information contained herein is intended for only Canadian residents jurisdictions where Toby Johnston-Stewart is licensed or registered. Nothing on this website constitutes a solicitation or offer by Toby Johnston-Stewart (“Toby”, “I”, “me”, or “my”) or Belay Wealth Inc. (together, “we”, “us”, or “our”) to buy or sell products or services of any kind. This website is not meant to provide legal, investment, or account advice. As each situation is different you should consult your own professional advisor for advice based on your specific circumstances.

Links to Third Party Websites

We make no representation that the information in any linked site is accurate and will not accept any responsibility or liability for inaccuracies in linked sites. Opinions or advice expressed in a linked site should not be construed as our opinion or advice. Information in linked sites is subject to change without notice.

Rate of Return Calculator

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. We do not guarantee that this calculator is reliable, accurate or complete or that it will be compatible with your computer.

Rates of Return and Illustrations

Rates of return or mathematical tables are used only to illustrate the effects of the compound growth rate and are not intended to reflect future values of, or returns on, investments.

Dual-Branding Belay Wealth Inc.

Belay Wealth Inc. is registered as a mutual fund dealer with the provincial securities commissions and its advisors are entitled to sell mutual funds and other approved securities as permitted under that registration. Advisors may also provide other services or products to you through their own business, which mean  you may be dealing with companies other than Belay Wealth Inc. when purchasing services or products from Toby . For example, your he may offer you one or more of the following through Stewart Harbour Financial Ltd., which are not the responsibility of Belay Wealth 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. Toby would be happy to provide any clarification you require.

Suitability 

This material is not to be construed as an offer or solicitation. Securities mentioned may not be suitable investments for all clients. Contact Toby to discuss your individual investment needs.

Mutual Funds

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the fund facts or 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 our opinions of . 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 Belay Wealth Inc. or any other person as to its accuracy, completeness or correctness.

Email Confidentiality

E-mail is not a secure medium and privacy cannot be guaranteed. Stewart Harbour Financial Ltd. and Belay Wealth Inc. cannot accept any responsibility for any harm or damage incurred as a result of client or other persons sending personal or confidential information to Stewart Harbour Financial Ltd. or Belay Wealth Inc. via email.

Segregated (Seg) Funds

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.

Borrowed Money (Leverage) Disclaimers

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. It is also your responsibility to inform your advisor before you make investments with borrowed money.

Limitation of Liability

We 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.

No Warranty

We do 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. We do 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.