Terms of Use

Welcome to the Centerpointe Financials website.

These Terms of Use govern your access to and use of https://centerpointefinancials.com, including its pages, articles, forms, calculators, assessments, downloadable materials and other website features collectively referred to as the “Website.”

The Website is operated by Centerpointe Financial Center Inc., carrying on business as Centerpointe Financials, referred to in these Terms as “Centerpointe,” “we,” “us” or “our.”

By accessing or using the Website, you acknowledge that you have read, understood and agree to these Terms of Use and our Privacy Policy.

If you do not agree with these Terms, you should not use the Website.

Content on this Website is provided for general informational and educational purposes only.

Nothing on the Website constitutes or should be interpreted as:

Financial, investment and insurance decisions should be made only after your circumstances, objectives, financial position, risk profile, eligibility and other relevant information have been properly reviewed.

You should consult appropriately qualified professionals regarding your specific financial, investment, insurance, legal, tax and accounting needs.

Your use of the Website does not create an advisor-client, planner-client, agent-client, broker-client, fiduciary, professional or contractual relationship between you and Centerpointe or any member of its team.

A professional relationship is not created when you:

A professional relationship may only be established after the required identity, suitability, eligibility, disclosure, documentation and acceptance processes have been completed and the applicable parties have agreed to the relationship.

Submitting information does not require Centerpointe or any provider to accept you as a client, provide a recommendation, offer a product or complete a transaction.

Financial, investment and insurance products and services are provided only through individuals and entities holding the licences, registrations, credentials or authorizations required for the applicable activity and jurisdiction.

Professional titles displayed on the Website apply only to individuals who are authorized to use those titles.

Information concerning team credentials, licences, registrations, affiliated firms, issuing organizations and jurisdictions served should be confirmed before relying on it.

Products and services may:

The Website is not directed to anyone in a jurisdiction where the relevant content, product or service would be unlawful or unauthorized.

Insurance information on the Website is general and does not constitute a binding quote, offer of coverage, policy or guarantee of insurability.

Any premium, benefit amount or coverage estimate is subject to:

Submitting a quote request does not place coverage in effect.

Insurance coverage begins only when the applicable provider confirms that its requirements have been met and the policy becomes effective according to its terms.

You should not cancel or replace existing insurance until you have received and reviewed the new policy, confirmed its effective date and obtained appropriate professional guidance.

All guarantees are subject to the terms of the applicable contract and the claims-paying ability of the issuing insurance company.

Investment information is provided for general educational purposes and should not be treated as a recommendation to buy, sell or hold any security, fund, account or financial product.

Investments may:

Past performance does not guarantee future results.

Illustrations, projections and hypothetical examples are not promises of future performance. Actual results can differ materially because of investment performance, fees, taxes, withdrawals, inflation, market conditions and changes in personal circumstances.

Investment and planning services, where available, are subject to the requirements and agreements of the appropriately registered or authorized entity through which those services are provided.

Centerpointe does not provide legal, tax or accounting advice through the Website.

References to taxation, registered accounts, corporations, estates, beneficiaries, pensions, government programs or business succession are general in nature.

Tax and legal outcomes depend on factors such as:

You should consult a qualified lawyer, accountant or tax professional before acting on information involving legal, tax, accounting, corporate or estate matters.

The Website may provide calculators, questionnaires, assessments, scorecards, projections or other interactive tools.

These tools are intended to support education and discussion. They do not provide a complete financial plan, professional opinion, product recommendation or guarantee.

Results are based on:

The tools may not account for every factor relevant to your circumstances.

Centerpointe does not independently verify the information you enter. Inaccurate, incomplete or outdated information may produce inaccurate or misleading results.

A score, projection or estimate does not establish that:

You should obtain personalized professional advice before relying on an assessment or taking action.

We make reasonable efforts to provide useful information, but we do not guarantee that Website content is complete, accurate, current or suitable for a particular purpose.

Financial laws, tax rules, government benefits, registered-account limits, insurance products, interest rates, investment information and regulatory requirements may change.

Website content may also contain typographical errors, technical errors, omissions or outdated information.

We may update, correct, remove or change content at any time without notice. We are not obligated to update previously published content.

You are responsible for confirming current information with the relevant government authority, regulator, provider or qualified professional before making a decision.

Submitting a form or requesting an appointment does not guarantee:

Do not use the Website, email, voicemail, chatbot or contact forms to send urgent instructions concerning:

Instructions affecting an account, investment, insurance policy or transaction must be provided and confirmed through an approved process.

Email and ordinary website communications may not be secure. Do not send Social Insurance Numbers, banking credentials, passwords, medical records or other highly sensitive information unless you are using an approved secure method.

When you request information, submit a form, register for an event or book an appointment, we may send communications necessary to respond to or administer your request.

Marketing and promotional electronic communications will be sent only where permitted by applicable law.

Where consent is required, you may withdraw it at any time by:

Unsubscribing from marketing communications may not prevent us from sending service, security, transaction or legally required communications connected to an existing relationship.

Message and data charges may apply to SMS or mobile communications.

Our collection, use, disclosure, retention and protection of personal information are described in our Privacy Policy.

By submitting personal information through the Website, you acknowledge that the information will be handled according to the Privacy Policy and applicable law.

You are responsible for ensuring that information you submit is accurate and that you have authority to provide it.

If you provide information about another person, you represent that you have the required authority or consent to do so.

The Website may contain links to websites, booking systems, calculators, social media platforms, insurance companies, investment providers, regulators, government agencies and other third parties.

These links are provided for convenience or informational purposes.

Centerpointe does not control and is not responsible for:

A link does not necessarily mean that Centerpointe endorses, sponsors or is affiliated with the third party.

Your use of a third-party website or service is governed by that third party’s terms and privacy practices.

Unless otherwise stated, the Website and its original content are owned by or licensed to Centerpointe and are protected by applicable intellectual-property laws.

This includes:

You may view, download or print reasonable portions of the Website for your personal, non-commercial use.

You may not, without prior written permission:

Third-party trademarks and content remain the property of their respective owners.

You agree not to use the Website:

We may restrict or terminate access to the Website when we reasonably believe these Terms have been violated or when necessary to protect the Website, users or third parties.

We do not guarantee that the Website will always be:

The Website may be unavailable because of maintenance, technical issues, service-provider interruptions, cybersecurity incidents or circumstances beyond our reasonable control.

You are responsible for maintaining appropriate device security, backups and protections when accessing the Website.

To the fullest extent permitted by applicable law, the Website and its content are provided on an “as is” and “as available” basis.

Centerpointe makes no express or implied representation or warranty regarding:

Nothing in these Terms excludes a warranty, condition, right or remedy that cannot lawfully be excluded.

To the fullest extent permitted by applicable law, Centerpointe and its directors, officers, employees, representatives, contractors, licensors and service providers will not be liable for indirect, incidental, special, consequential, exemplary or punitive damages arising from or connected with your use of, inability to use or reliance on the Website.

This includes losses involving:

These limitations do not apply where liability cannot legally be excluded or limited, including any mandatory rights or remedies available under applicable consumer-protection law.

Nothing in these Terms limits liability for fraud, wilful misconduct or any other liability that cannot lawfully be limited.

You are responsible for evaluating information before relying on it and for obtaining personalized advice where appropriate.

You remain responsible for:

Website content should not be used as the sole basis for a significant financial, insurance, investment, tax, legal, business or estate decision.

To the extent permitted by law, you agree to be responsible for losses, claims, liabilities or reasonable costs resulting directly from your unlawful use of the Website, deliberate violation of these Terms or infringement of another person’s rights.

This provision does not require a consumer to indemnify Centerpointe for Centerpointe’s own negligence, breach of law, fraud or misconduct.

These Terms and your use of the Website are governed by the laws of the Province of Ontario and the applicable federal laws of Canada.

Subject to any mandatory consumer right or jurisdiction that applies, disputes concerning the Website or these Terms will be submitted to the courts located in Ontario.

Nothing in these Terms prevents you from contacting or submitting a complaint to an applicable regulator, credentialing body, insurer, dealer, ombudservice, consumer-protection authority or government agency.

We may revise these Terms periodically to reflect changes to:

The updated version will be posted on this page with a revised “Last updated” date.

Where required by law, additional notice or consent will be provided.

Your continued use of the Website after revised Terms become effective constitutes acceptance of the revised Terms, except where applicable law requires another form of agreement.

If any provision of these Terms is found to be unlawful, invalid or unenforceable, that provision will be interpreted or limited to the minimum extent necessary, and the remaining provisions will continue in effect.

A delay or failure by Centerpointe to enforce a provision of these Terms does not waive our right to enforce that provision later.

These Terms and the Privacy Policy constitute the agreement governing your general use of the Website.

They do not replace any application, engagement letter, insurance policy, account agreement, disclosure document, investment agreement or other contract governing a specific professional relationship, product or service.

If there is a conflict, the applicable product, account, policy, dealer, provider or service agreement will govern the relevant product or service, subject to applicable law.

Questions about these Terms may be directed to:

Centerpointe Financial Center Inc.

Carrying on business as Centerpointe Financials

84 Centrepointe Drive, Ottawa, Ontario K2G 6B1

Canada

Email: info@centerpointefinancials.com

Telephone: (613) 400-2952

Website: https://centerpointefinancials.com

For privacy questions, requests or complaints, please use the contact information provided in our Privacy Policy.

For complaints concerning a financial, investment or insurance product or service, please review our Complaint-Handling Information page.