Terms and conditions

Last Updated: October 2023

Welcome to SG Wealth Management. These Terms and Conditions ("Terms") govern your access to and use of the SG Wealth Management website (sgwealth.ca) and the services provided by SG Wealth Management ("we," "us," or "our"). By accessing our website or engaging our services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please refrain from using our website or services.

By accessing and using this website, you accept and agree to be bound by the terms and provision of this agreement. In addition, when using this website's particular services, you shall be subject to any posted guidelines or rules applicable to such services. Any participation in this service will constitute acceptance of this agreement. If you do not agree to abide by the above, please do not use this service.

SG Wealth Management provides comprehensive financial planning, wealth management, insurance planning, retirement planning, estate planning, tax minimization, and corporate surplus strategies. Our services are tailored to meet the unique needs of physicians, professionals, business owners, and family enterprises. The information provided on this website is intended to describe our services and provide general educational content.

The content provided on the SG Wealth Management website, including articles, newsletters, case studies, and other resources, is for informational and educational purposes only. It does not constitute personalized financial, investment, tax, or legal advice. While we strive to provide accurate and up-to-date information, financial markets and regulations are subject to change, and the information may not apply to your specific circumstances.

You should not act or rely on any information contained on this website without seeking the advice of a qualified professional. Engaging with our website or contacting us does not create an advisor-client relationship until a formal agreement has been executed. For personalized advice, please book a consultation with our team.

All content, design, graphics, text, logos, button icons, images, audio clips, digital downloads, data compilations, and software on this website are the property of SG Wealth Management or its content suppliers and are protected by Canadian and international copyright, trademark, and other intellectual property laws.

You may view, download, and print materials from this website for your personal, non-commercial use only, provided that you do not modify the materials and that you retain all copyright and other proprietary notices contained in the materials. Any other use, including the reproduction, modification, distribution, transmission, republication, display, or performance of the content on this site is strictly prohibited without our prior written consent.

When using our website, you agree not to:

• Use the website in any way that violates any applicable federal, provincial, local, or international law or regulation.
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the website, or which may harm SG Wealth Management or users of the website.
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the website, the server on which the website is stored, or any server, computer, or database connected to the website.
• Use any robot, spider, or other automatic device, process, or means to access the website for any purpose, including monitoring or copying any of the material on the website.

To the fullest extent permitted by applicable law, SG Wealth Management, its affiliates, partners, directors, officers, employees, agents, and licensors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the website or services.
• Any conduct or content of any third party on the website.
• Any content obtained from the website.
• Unauthorized access, use, or alteration of your transmissions or content.

This limitation of liability applies whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage.

You agree to defend, indemnify, and hold harmless SG Wealth Management, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the website, including, but not limited to, any use of the website's content, services, and products other than as expressly authorized in these Terms.

Our website may contain links to third-party websites or services that are not owned or controlled by SG Wealth Management. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that SG Wealth Management shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our website and services, and supersede and replace any prior agreements we might have between us regarding the website and services.

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our website or services after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the website and services.

If you have any questions about these Terms, please contact us:

SG Wealth Management
Email: sim@sgwealth.ca
Phone: +1 (647) 889-7290
To learn more about our firm, please visit our Why SG or About Sim pages.