TERMS OF USE

Terms of Use

Effective Date: November 11, 2024
Last Updated: January 31, 2026

These Terms of Use govern your access to and use of this website operated by Independent Financial Broker (“we,” “us,” or “our”).

By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree, do not use this website.

1. Purpose of This Website

This website is an educational and informational platform.
It is intended to explain concepts, frameworks, and approaches related to financial clarity and decision-making.

This website does not provide personalized financial, insurance, legal, or tax advice and does not offer financial products for sale.

Any regulated advice or product implementation occurs only through separate, direct engagement with licensed professionals and is subject to appropriate disclosures and agreements.

2. No Client Relationship

Use of this website, including submitting inquiries or booking introductory calls, does not create a client–advisor relationship.

A professional relationship is established only through direct engagement, proper disclosures, and mutual agreement where required by law.

3. Eligibility

This website is intended for individuals who are at least eighteen (18) years of age.

By using this website, you represent that you meet this requirement.

4. Intellectual Property

All content on this website, including text, design, layout, graphics, and branding, is owned by or licensed to Independent Financial Broker and is protected by applicable intellectual property laws.

You may view, download, and print content for your personal, non-commercial use only.

You may not reproduce, distribute, modify, republish, or exploit any content without prior written consent.

5. Acceptable Use

You agree not to use this website:
• For unlawful purposes
• To misrepresent identity or intent
• To interfere with the operation or security of the site
• To attempt unauthorized access to systems or data

6. External Links

This website may include links to third-party websites for convenience or reference.

We do not control and are not responsible for the content, policies, or practices of third-party websites.

7. Disclaimer of Warranties

This website and its content are provided “as is” and “as available.”

We make no warranties, express or implied, regarding accuracy, completeness, reliability, or suitability of the information provided.

8. Limitation of Liability

To the fullest extent permitted by law, we disclaim liability for any loss or damage arising from your use of or reliance on this website or its content.

9. Privacy

Your use of this website is also governed by our Privacy Policy, which forms part of these Terms of Use.

10. Governing Law

These Terms of Use are governed by the laws of the Province of British Columbia and the applicable laws of Canada.

11. Changes to These Terms

We may update these Terms of Use from time to time. Continued use of the website constitutes acceptance of any changes.

12. Contact

Independent Financial Broker
Email: info@indbroker.ca

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Disclaimer

Independent Financial Broker operates as an educational, financial mapping, and referral-based platform.

The information, tools, illustrations, and materials provided through this platform are general in nature and do not constitute personalized legal, tax, mortgage, securities, or insurance advice.

Personalized Life and Accident & Sickness insurance services, including segregated fund contract advice and implementation, are provided separately through Aurora Capital Partners by an agent licensed in British Columbia and Alberta, operating within the scope of the applicable provincial licences.

Legal and tax matters remain with appropriately qualified lawyers and accountants. Specific securities recommendations remain with appropriately registered securities professionals. Mortgage and lending matters remain with appropriately licensed providers.

Independent Financial Broker does not itself issue financial products, enter into insurance contracts, act as a lender, credit broker, or mortgage broker, or provide services requiring a licence it does not hold.

Client circumstances and outcomes vary. General educational materials and financial mapping tools are not substitutes for advice specific to your circumstances from the appropriately qualified professional.


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