Legal and Disclaimers

Our personal disclaimer (with handy regular-guy wording)

Use of this site requires that you read our personal disclaimer as well as the official disclaimer below.  This personal disclaimer does not in any way limit the more detailed official disclaimer below.

This site represents what Robert Smith Financial thinks is important. These independent views and opinions expressed are those of Robert Smith Financial and are not necessarily the opinions of HollisWealth.

Advice is only provided during one-on-one conversations between us and clients.  What makes sense for one client may not make sense for another client.  As such, advice can’t possibly be provided on this website so please do not consider anything you read or see on this site as advice.

For greater clarity, do not buy or sell any security or make any financial decisions based on what you read on this site.  If you do, you could easily suffer financially.

Nothing on this site is a solicitation or recommendation to do anything!   This includes investment advice, legal advice (which I can’t possibly provide), tax/accounting advice.

Talk to us in person, get second opinions from other licensed and qualified advisors, do your own research, and ask LOTS of questions before making any financial decisions.

The purpose of this site is simply to better share with our clients what we are reading, thinking, and doing to more effectively manage and enhance your life savings.

At most, this site should be entertaining, informative, and generate questions and discussions.  That is it.  Anything beyond these simple goals is not intended, expressly denied, and should not be construed as such.

The official disclaimer (with lawyer-type wording)

The opinions expressed are those of Robert Smith Financial and are not necessarily the opinions of Scotia Capital Inc., HollisWealth Private Investors Inc., HollisWealth Insurance Agency Ltd., and HollisWealth Mortgage Services Inc.,  collectively (“HollisWealth”).

www.robertsmithfinancial.ca (the “Site”) is owned by Robert Smith Financial.  We provide you with access to this Site subject to the following terms and conditions of use (“Terms and Conditions”). By accessing this Site, you agree to accept these Terms and Conditions. If at any time the Terms and Conditions are no longer acceptable to you, you should immediately cease use of this Site.

Robert Smith Financial and HollisWealth are not responsible in any manner for any damages, however caused, arising out of your use of this Site, including any damages you may suffer if you transmit confidential information to us or if we communicate such information to you at your request over the Internet.

Links to other sites from this Site are for convenience only. No endorsement of any third party products, services or information is expressed or implied by any information referred to, included on, or linked from this Site.

Products and services provided by Robert Smith Financial and HollisWealth are only offered in jurisdictions where we are licensed. All products and services are subject to the terms of the applicable agreement.

As such, the information on this Site does not constitute an offer or solicitation by anyone in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation.  Prospective investors who are not resident in Canada should consult with their advisor on determining if these securities may be lawfully sold in their jurisdiction.

Information provided by Robert Smith Financial, HollisWealth and other sources on this Site are believed to be accurate and reliable when placed on this Site; however, we cannot guarantee it is accurate or current at all times. Robert Smith Financial and HollisWealth will not be held liable for any inaccuracies in the information presented in any linked site to this Site.

Information on this Site is for informational purposes only and is not intended to provide financial, legal, accounting or tax advice and should not be relied upon in that regard.

Certain names, phrases, logos, or designs used on this Site may constitute registered or unregistered trademarks of Robert Smith Financial. All information on this Site is protected under the copyright laws of Canada. Users of this Site shall be entitled to copy any information for their own personal use. No one has permission to copy, redistribute, or republish, in any form, any information found in the pages of this Site without the prior written consent of Robert Smith Financial.

Investment accounts are held, and trades are supervised via our dealer Scotia Capital Inc.  Scotia Capital Inc. is a Member of the Canadian Investor Protection Fund, and is a wholly-owned subsidiary of The Bank of Nova Scotia.

Insurance Products are provided through HollisWealth Insurance Agency Ltd., a related but distinct company from  Scotia Capital Inc.   Insurance is provided under our corporate license for Robert Smith Insurance Services Inc.

Tax Services are operated through Robert Smith Tax Services Inc.   Tax services are non securities related business and HollisWealth does not supervise or review any products or services provided through Robert Smith Tax Services Inc.

By accessing this website and any pages thereof, you agree to be bound by the terms of the Legal Notices set out below.  If you do not agree with the terms of these Legal Notices, do not access this website or any pages thereof.

The particulars contained herein were obtained from sources which we believe are reliable, but are not guaranteed by us and may be incomplete. The opinions expressed have not been approved by and are not those of HollisWealth.  This website is not deemed to be used as a solicitation in a jurisdiction where this HollisWealth representative is not registered.

Please be advised that trading instructions should not be communicated via e-mail, and if received will not be acted upon.  Without the use of secure encryption, the Internet is not a secure medium and privacy cannot be ensured.  Internet e-mail is vulnerable to interception and forging.  HollisWealth cannot ensure the privacy and authenticity of any information and will not accept any instructions that you send to us over the Internet.  HollisWealth 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.

The information provided on this website is intended for informational purposes only and is not intended to constitute financial, accounting, legal or tax advice.  Many factors unknown to us may affect the applicability of any statement or comment that we make on our website to your particular circumstances.  You should consult directly with a HollisWealth professional or your other advisors before acting on any information on this website.

Facts and information provided on this website are believed to be accurate at the time they are posted.  However, this website could include inaccuracies, typographical errors, or out-of-date information.  Changes may be made at any time to the information on this website without prior notice.  Please consult any HollisWealth branch in your jurisdiction for complete and up-to-date information on products and services.

HollisWealth does not warrant the accuracy, completeness, quality, adequacy or content of any information on this website.  Such information is provided “as is” without warranty or condition of any kind, either express or implied, including, without limitation, the implied conditions and warranties of merchantability and fitness for a particular purpose, except in jurisdictions which do not allow the exclusion of implied warranties.

HollisWealth 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 of or misuse of or inability to access or use this website, or the information, documents, software or content thereof, even if advised of the possibility of such damages or such damages are reasonably foreseeable.

Nothing on this website constitutes a solicitation or offer by HollisWealth to buy or sell products or services of any kind whatsoever including without limitation securities or any other financial instrument of any issuer.

All products and services of HollisWealth are offered for sale subject to the terms of the applicable agreements.  Please consult any HollisWealth branch in your jurisdiction for complete and up-to-date information on products and services.

The information on this website is intended for use by persons resident in Canada only.   Any products or services mentioned on this website are made available only in accordance with local law (including applicable securities laws) and only where they may be lawfully offered for sale.

Links to other websites or references to products, services or publications other than those of HollisWealth on this website do not imply the endorsement or approval of such websites, products, services or publications by HollisWealth.  HollisWealth makes no representations whatsoever about any other website which you may access through this one.  When you access a non-HollisWealth website, please understand that it is independent from HollisWealth, and that HollisWealth has no control over the content on that website.

All materials at this website are meant to be reviewed in their entirety, including any footnotes, legal disclaimers, restrictions or disclosures, and any copyright or proprietary notices.  Any disclaimers, restrictions, disclosure or hedge clauses apply to any partial document or material in the same manner as they do the whole, and will be deemed incorporated in the portion of any material or document that you consult or download.

Trade Marks

All product and service marks are the trade marks of their respective owners.  All HollisWealth trade marks used on this website are used under license.

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