Terms & Conditions

1. Acceptance of Terms

By accessing or using the WealthX Financial Services website ("Website") and any of our services, you ("User," "Client," or "you") agree to be bound by these Terms of Service ("Terms"). These Terms constitute a legally binding agreement between you and WealthX Financial Services ("WealthX," "we," "our," or "us").

If you do not agree to these Terms, you must not use our Website or services. Your continued use of our services constitutes acceptance of any modifications to these Terms.

These Terms are governed by the laws of British Columbia, Canada, and federal Canadian laws where applicable.

2. Nature of Our Services

Advisory Services: WealthX Financial Solutions Corp. ("WealthX," "we," "us," or "our") provides financial advisory and consulting services. We do not sell financial products directly. Instead, we offer expert guidance and connect you with qualified financial service providers.

Our Role

We act as independent financial advisors and our services include:

• • Personalized financial advisory services
• • Analysis of your financial situation and goals
• • Recommendations for appropriate financial strategies
• • Connecting you with qualified financial service providers
• • Assistance in coordinating your overall financial strategy

Third-Party Service Providers

Any financial products or services you acquire will be through licensed third-party providers (such as investment firms, insurance companies, or other financial institutions). We serve as advisors to help you make informed decisions. You will enter into separate agreements with those providers, and we are not responsible for the products, services, or actions of third-party providers.

3. Website Use

Permitted Use

You may use our Website for:

• • Accessing information about our services
• • Scheduling consultations and appointments
• • Completing forms and applications
• • Educational and informational purposes
• • Communicating with our team

Prohibited Use

You agree not to:

• • Use the Website for any unlawful purpose or activity
• • Attempt to gain unauthorized access to our systems
• • Interfere with or disrupt the Website's operation
• • Upload or transmit viruses, malware, or malicious code
• • Collect or harvest personal information of other users
• • Impersonate WealthX or any of our representatives
• • Use automated systems (bots, scrapers) to access the Website
• • Reproduce, distribute, or modify Website content without permission

4. Client Services Agreement

Financial services are provided under separate written agreements that supplement these Terms. Before providing services, we will:

• • Conduct Know Your Client (KYC) verification
• • Assess your financial situation and objectives
• • Determine investment suitability
• • Provide required regulatory disclosures
• • Execute appropriate service agreements

Client Responsibilities

As our client, you agree to:

• • Provide accurate and complete information
• • Keep your personal information current
• • Review and understand all recommendations and disclosures
• • Notify us of changes in your financial circumstances
• • Comply with all applicable laws and regulations

5. Investment and Financial Advice

Nature of Advice

Our investment and financial advice is based on:

• • Information you provide to us
• • Current market conditions and economic factors
• • Our professional judgment and experience
• • Regulatory requirements and best practices

Risk Disclosure

You acknowledge and understand that:

• • All investments carry risk, including the potential loss of principal
• • Past performance does not guarantee future results
• • Market conditions can change rapidly and unpredictably
• • Economic and political factors can affect investment performance
• • Diversification does not guarantee against loss
• • Insurance products may have limitations and exclusions

No Guarantee

We do not guarantee any specific investment results, returns, or outcomes. All investment decisions remain your responsibility, and you should carefully consider the risks before making any investment.

6. Fees and Compensation

Our compensation structure is transparent and will be clearly disclosed before providing services. We may receive compensation through:

• • Advisory fees for financial planning and consulting services
• • Commissions from third-party providers when you engage their services
• • Referral fees from financial service providers we connect you with

Commission Disclosure

When we connect you with a financial service provider and you choose to engage their services, we may receive a commission or referral fee from that provider. This commission does not increase the cost of products or services to you, it is paid by the provider as compensation for our advisory services and referral.

Transparency Commitment

We are committed to full transparency in our compensation structure. All fees, commissions, and potential conflicts of interest will be disclosed to you in writing before you engage our services. We will explain how we are compensated and ensure you understand our fee structure.

Your Best Interests

Despite receiving commissions, we are committed to acting in your best interests when providing recommendations. Our advice is based on your individual circumstances and goals, not on the compensation we may receive.

7. Privacy and Confidentiality

We are committed to protecting your privacy and maintaining confidentiality of your personal and financial information. Please refer to our Privacy Policy for detailed information about how we collect, use, and protect your personal information.

Confidential Information

All information you provide to us, including financial data, personal circumstances, and investment objectives, is treated as strictly confidential and will only be disclosed:

• • With your explicit written consent
• • As required by law or regulatory authorities
• • To service providers bound by confidentiality agreements
• • In response to legal proceedings or court orders

8. Intellectual Property

All content on our Website, including text, graphics, logos, images, software, and other materials, is the property of WealthX or our licensors and is protected by Canadian and international copyright and trademark laws.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our Website content for personal, non-commercial purposes only.

Restrictions

You may not:

• • Reproduce, distribute, or display our content without permission
• • Create derivative works based on our content
• • Use our trademarks or logos without authorization
• • Remove or alter copyright notices or other proprietary markings

9. Disclaimers and Limitations

Website Disclaimer

Our Website is provided "as is" without warranties of any kind. We disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

Information Disclaimer

Information on our Website is for general informational purposes only and should not be construed as:

• • Personalized financial advice without a consultation
• • An offer to sell or solicitation to purchase any financial products
• • A guarantee of specific financial results
• • Legal, tax, or accounting advice (consult appropriate professionals)

Advisory Role: We provide advisory services and connect you with financial service providers. We do not sell products directly, but may receive compensation from providers as disclosed in Section 6.

Limitation of Liability

To the maximum extent permitted by law, WealthX shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from:

• • Use of or inability to use our Website
• • Errors, omissions, or inaccuracies in Website content
• • Unauthorized access to or alteration of your data
• • Third-party conduct or content
• • System failures or technical problems

10. Indemnification

You agree to indemnify, defend, and hold harmless WealthX, our officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses arising from:

• • Your use of our Website or services
• • Your violation of these Terms
• • Your violation of any third-party rights
• • Any false or misleading information you provide

11. Dispute Resolution

Governing Law

These Terms are governed by the laws of British Columbia, Canada, and applicable federal Canadian laws. Any disputes will be subject to the jurisdiction of the courts of British Columbia.

Complaint Process

If you have a complaint about our services, please contact us first to resolve the matter. If we cannot resolve your complaint, you may have recourse through:

• • Our designated compliance officer
• • Relevant regulatory bodies (IIROC, MFDA, provincial securities commissions)
• • The Ombudsman for Banking Services and Investments (OBSI)
• • Provincial insurance ombudsman (for insurance matters)

Arbitration

For investment-related disputes, arbitration may be required under applicable securities regulations and self-regulatory organization rules.

12. Termination

We reserve the right to terminate or suspend your access to our Website and services at any time, with or without notice, for any reason, including violation of these Terms.

Client Termination

You may terminate our services at any time by providing written notice. Upon termination:

• • We will transfer your accounts as directed
• • Outstanding fees and charges will become due
• • We will provide final account statements
• • Confidentiality obligations will survive termination

Survival of Terms

Provisions relating to intellectual property, confidentiality, limitation of liability, indemnification, and dispute resolution will survive termination of these Terms.

13. General Provisions

Modifications

We may update these Terms at any time. Material changes will be posted on our Website with a new "Last Updated" date. Your continued use of our services constitutes acceptance of the modified Terms.

Severability

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

Entire Agreement

These Terms, together with your specific service agreements and our Privacy Policy, constitute the entire agreement between you and WealthX regarding use of our Website and services.

Assignment

You may not assign or transfer your rights under these Terms without our written consent. We may assign our rights and obligations at any time.

Force Majeure

We shall not be liable for any delay or failure to perform due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, or government actions.