Terms & Conditions

1. Acceptance of these terms

This website is owned and operated by Armando Wealth Management ("the Firm", "we", "us"). By accessing or using this website, you accept and agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree with any part of these terms, please do not use this website.

2. Informational purposes only — not advice

The content of this website — including articles, guides, calculators, examples, and general commentary — is provided for general informational and educational purposes only. It does not constitute financial, investment, tax, accounting, legal, or insurance advice, and it should not be relied upon as such. Strategies described on this site may not be suitable for your circumstances. Always consult a qualified professional regarding your specific situation before acting on any information found here.

3. No client relationship

Use of this website, downloading of materials, or submission of a contact or consultation request does not create an advisor–client relationship between you and the Firm. A client relationship is established only when both parties have signed a written engagement or advisory agreement. Until then, please do not send us confidential information.

4. No offer or solicitation

Nothing on this website constitutes an offer to sell or a solicitation to buy any security, insurance product, or financial instrument in any jurisdiction where such an offer or solicitation would be unlawful. Products and services described are available only in jurisdictions where they may lawfully be offered, and only through appropriately licensed representatives.

5. Past performance and forward-looking statements

Any references to past performance, returns, tax savings, or client outcomes are historical or illustrative and are not a guarantee of future results. Projections and examples are hypothetical, provided for illustration only, and depend on assumptions that may not hold. Tax rules change; results vary with individual circumstances.

6. Accuracy of information

We take care to keep the content of this website accurate and current, but we make no representation or warranty that it is complete, accurate, or up to date at any given time. Tax figures, contribution limits, and legislative references in particular may become outdated. We may change, suspend, or remove any content at any time without notice.

7. Intellectual property

All content on this website — including text, graphics, logos, the Armando Wealth Management name and wordmark, page design, and downloadable guides — is the property of the Firm or its licensors and is protected by Canadian and international copyright and trademark laws. You may view, download, and print pages for your personal, non-commercial use. Any other reproduction, distribution, modification, or republication without our prior written consent is prohibited.

8. Acceptable use

You agree not to use this website in any way that: violates any applicable law or regulation; infringes the rights of any third party; attempts to gain unauthorized access to our systems; introduces viruses or other harmful code; or scrapes, harvests, or collects information about other users. We may restrict or terminate access for any user who breaches these terms.

9. Third-party links and content

This website may contain links to third-party websites, tools, or resources. These are provided for convenience only. We do not control and are not responsible for the content, accuracy, security, or privacy practices of third-party sites, and a link does not imply our endorsement. Accessing third-party sites is at your own risk and subject to their terms.

10. Privacy

Our collection and use of personal information through this website is described in our Privacy Policy. By using this site, you consent to that collection and use. Please do not transmit sensitive personal or financial information through unsecured channels such as the general contact form or email.

11. Disclaimer of warranties

This website and its content are provided "as is" and "as available", without warranties of any kind, whether express or implied — including, without limitation, implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, timely, secure, or error-free.

12. Limitation of liability

To the fullest extent permitted by law, the Firm, its principals, employees, and agents will not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or in connection with your use of — or inability to use — this website or its content, including any decision made or action taken in reliance on the information it contains, even if we have been advised of the possibility of such damages.

13. Indemnification

You agree to indemnify and hold harmless the Firm and its principals, employees, and agents from any claims, losses, damages, liabilities, and expenses (including reasonable legal fees) arising out of your misuse of this website or your breach of these terms.

14. Changes to these terms

We may revise these Terms & Conditions from time to time. The revised version takes effect when posted on this page, with the "Last updated" date adjusted accordingly. Your continued use of the website after changes are posted constitutes your acceptance of the revised terms.

15. Governing law

These terms are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein. You agree that the courts of Ontario have exclusive jurisdiction over any dispute arising from your use of this website.

16. Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

17. Contact us

Questions about these Terms & Conditions can be directed to:

Armando Wealth Management
1 King Street West, Suite 4800
Toronto, Ontario M5H 1A1
info@armandowealth.ca