Disclaimer

General Information Only

Nothing on this website is intended to constitute, or should be relied upon as, investment, financial planning, insurance, legal, tax, accounting, or other professional advice. Your circumstances are unique, and any decision about your finances, investments, insurance, retirement, business succession, estate planning, or employee benefits should be made only after obtaining advice that is specific to your situation.

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Nothing on this website constitutes an offer to sell, a solicitation of an offer to buy, or a recommendation of any security, insurance product, financial product, or service. Any products or services referenced on this website are subject to applicable laws, licensing requirements, suitability requirements, and regulatory restrictions, including those that may apply in British Columbia and elsewhere in Canada.

No Client Relationship Created

Your use of this website, including sending us an email or completing a form, does not by itself create an advisor-client, planner-client, fiduciary, or other professional relationship. A professional relationship is only established when we have agreed to act for you and any required onboarding, regulatory, and compliance steps have been completed.

Accuracy and Currency of Information

We make reasonable efforts to keep the information on this website current and accurate. However, markets, laws, regulations, tax rules, and administrative guidance can change without notice. Accordingly, we do not guarantee that the content of this website is complete, accurate, current, or applicable to your particular circumstances.

Any commentary, market views, or opinions expressed on this website are those of the author at the time of publication and are subject to change without notice. They are provided for general discussion only and should not be interpreted as advice, a forecast, a guarantee, or an endorsement.

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Third-Party Content and Links

This website may include links to third-party websites, articles, tools, calculators, or other materials for convenience only. Such links do not imply that Ciccone McKay Financial Group endorses, approves, verifies, or adopts any third-party content. We are not responsible for the content, availability, privacy practices, accuracy, or security of third-party websites or resources.

Limitation of Liability

To the fullest extent permitted by applicable law, Ciccone McKay Financial Group disclaims liability for any loss, damage, cost, claim, or expense arising directly or indirectly from your use of, or reliance on, this website or any information contained on it. This includes, without limitation, any direct, indirect, incidental, consequential, special, or punitive damages, loss of data, loss of opportunity, or loss of profits.

No Warranty

This website and its contents are provided on an “as is” and “as available” basis, without any representation, warranty, or condition of any kind, express or implied, including any implied warranties of accuracy, merchantability, fitness for a particular purpose, title, non-infringement, or uninterrupted availability.

Jurisdiction

This website is intended for use by persons in Canada, including British Columbia, where permitted by applicable law. Access to and use of this website is subject to the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict of law principles.

External Storage and Technology

Please note that certain website functions, communications, analytics tools, hosting services, or service providers may involve storage or processing of information outside British Columbia. By using this website or communicating with us electronically, you acknowledge that information may be transferred, stored, or processed in other jurisdictions, subject to applicable privacy and security safeguards.