1. Acceptance of these terms
These Terms of Use govern your access to and use of the Horizon Wealth Builders Canada website. By using the website, you agree to these terms and the Privacy Policy. If you do not agree, do not use the website.
2. Educational information only
The website provides general Canadian financial education and planning information. It is not personalized financial, securities, investment, insurance, accounting, tax, legal, medical, or other professional advice. Content cannot account for your complete circumstances, objectives, risk tolerance, coverage, province, or contractual obligations.
Do not make or change a financial, investment, insurance, tax, estate, legal, or health decision solely because of information on this website. Obtain advice from appropriately qualified professionals who can review your circumstances.
3. Licensing and client relationships
Horizon Wealth Builders Canada is a licensed financial-services company. Specific products and services are offered only through appropriately licensed representatives, in jurisdictions where they are permitted to act, and after any required suitability, needs, identity, eligibility, or compliance review.
Viewing the website, choosing a pathway, using a calculator, sending a form, emailing Horizon, or booking an introductory conversation does not create an advisor-client, insurer-insured, fiduciary, or other professional relationship. A relationship arises only after Horizon and the customer complete the documents and requirements applicable to the service.
4. Insurance and product information
Product descriptions are general and may not be available in every jurisdiction or to every applicant. Coverage, premiums, benefits, exclusions, limitations, waiting periods, tax treatment, renewal terms, and eligibility depend on the insurer, underwriting, application, issued policy, and applicable law.
A quote is not an offer, guarantee, binder, or confirmation of coverage. Coverage begins only when the insurer has approved and issued it, all required conditions have been met, and the policy is in force. If website information differs from an issued contract or official product document, the contract or official document governs.
5. Calculators and projections
Calculators and examples use assumptions you select or assumptions displayed with the tool. Results are simplified illustrations and are not predictions, valuations, quotes, recommendations, or guarantees. Actual outcomes may differ because of fees, taxes, inflation, contribution limits, market changes, policy charges, withdrawals, timing, and other factors.
6. Accuracy and availability
Horizon aims to provide useful and understandable information, but laws, tax rules, benefits, products, prices, and external resources can change. We do not promise that every item will always be complete, current, error-free, or suitable for a particular purpose. Verify important information using current official documents and qualified advice.
We may update, remove, restrict, or discontinue any part of the website without notice. Access may occasionally be interrupted for maintenance, security, technical, or other reasons.
7. Third-party websites and services
The website links to third-party resources, insurers, Formspree, Calendly, and government websites for convenience. Horizon does not control and is not responsible for their content, availability, security, products, terms, or privacy practices. A link does not necessarily mean Horizon endorses every statement, product, or service on the external website.
8. Permitted use
You may use the website for lawful, personal, and informational purposes. You must not attempt to disrupt or gain unauthorized access to the site; introduce malicious code; misuse forms; impersonate another person; scrape or reproduce substantial site content for commercial use; or use the website in a way that violates law or another person’s rights.
9. Intellectual property
Unless otherwise identified, the website’s branding, design, original text, graphics, and other original material belong to Horizon Wealth Builders Canada or its licensors and are protected by applicable intellectual-property laws. Limited personal use does not transfer ownership or permit commercial reproduction.
10. Limitation of responsibility
To the extent permitted by law, Horizon is not responsible for losses arising from reliance on general website information, calculator results, unavailable services, unauthorized use, or third-party websites. Nothing in these terms excludes responsibility that cannot lawfully be excluded or limits rights that applicable consumer-protection law does not permit you to waive.
11. Privacy and electronic communications
Personal information submitted through the website is handled as described in the Privacy Policy. An inquiry allows Horizon to respond to that inquiry; it is not automatic consent to unrelated promotional messages. Any commercial electronic messages will be managed in accordance with applicable consent, identification, and unsubscribe requirements.
12. Applicable law, changes, and contact
These terms are governed by the laws of Canada and the applicable province or territory, without overriding any mandatory rights available to you. If one provision is unenforceable, the remaining provisions continue to apply.
We may update these terms as the website or applicable requirements change. The effective date above identifies the current version. Questions may be sent to syogesva@pm.me.