The following information applies to all content, articles, client stories, promotional pages, product descriptions, investment views, market commentary, advertising materials, and other information displayed on the Ai Financial website. Please read the following disclosures carefully before relying on any information on this website or making any financial decision.

1. General Information Disclosure

The information on this website is provided for general informational and educational purposes only. It does not constitute personalized investment, insurance, tax, legal, lending, or financial advice. It should not be interpreted as a recommendation to buy, sell, borrow, hold, or invest in any specific financial product, insurance product, fund, account, loan arrangement, or investment strategy.

The content on the Ai Financial website may discuss investment accounts, segregated funds, investment loans, registered accounts, retirement planning, market analysis, client stories, and other financial topics. Such content is intended to help the public better understand general financial concepts and should not be considered suitable for all investors.

Any investment, insurance, or borrowing-to-invest strategy must be assessed based on the client’s personal financial situation, investment objectives, risk tolerance, investment experience, income, cash flow, debt level, time horizon, tax circumstances, and applicable regulatory requirements. Suitability must be reviewed by a licensed professional before any strategy is considered.

2. Non-Personalized Advice Disclosure

Any article, video, graphic, advertisement, client story, calculation example, or market view presented on this website does not constitute personalized advice for any individual.

Readers should not make investment, insurance, lending, tax, or financial decisions based solely on the information on this website. Before making any decision, clients should consult a qualified licensed advisor and evaluate the strategy in the context of their own personal circumstances.

Ai Financial does not guarantee that any website content, product, strategy, or account arrangement is suitable for every client.

3. Investment Risk Disclosure

Investing involves risk. The value of investments may rise or fall. Clients may earn returns, but they may also experience losses, including the possible loss of part or all of their invested capital in certain circumstances.

Market volatility, economic conditions, interest rate changes, currency fluctuations, regulatory changes, industry developments, fund management performance, fees, and investment time horizon may all affect investment outcomes.

No investment strategy can eliminate market risk completely. Before investing, clients should fully understand the risks, fees, liquidity restrictions, investment objectives, and applicable terms of the relevant product.

4. Past Performance Disclosure

Any historical return, client result, account growth, net profit, leveraged return, annualized return, cumulative return, or other performance figure shown on this website reflects historical results under specific time periods, specific client circumstances, specific portfolios, and specific market conditions.

Past performance is not indicative of future results. Historical returns should not be understood as a guarantee, forecast, or promise of future returns. Actual outcomes may vary significantly depending on investment amount, timing of entry, holding period, fund selection, account type, loan interest rate, fees, tax circumstances, market environment, and the client’s risk tolerance.

Any reference to historical returns, client profits, account growth, investment performance, or similar wording on this website does not mean that all clients will achieve the same or similar results.

5. Client Story and Testimonial Disclosure

Client stories, success stories, investment experiences, and scenario examples displayed on this website are provided for illustrative purposes only. They reflect the historical experience of specific clients under specific time periods, market environments, and personal financial circumstances.

Client stories do not represent typical results and do not constitute investment, insurance, lending, tax, or legal advice. Any strategy, product, account structure, loan arrangement, or investment path described in a client story may not be suitable for other clients.

Each client’s financial situation, income, cash flow, debt level, risk tolerance, investment experience, time horizon, loan terms, product selection, tax circumstances, and market environment may differ. As a result, actual outcomes for other clients may vary significantly from the examples shown.

Readers should not make investment or borrowing decisions based solely on client stories. Any similar strategy must go through proper know-your-client review, risk assessment, product suitability assessment, and licensed advisor review before implementation.

6. Borrowing to Invest Risk Disclosure

Using borrowed money to invest involves greater risk than investing with cash. Borrowing to invest may magnify potential gains, but it may also magnify losses.

Regardless of investment performance, the borrower remains responsible for repaying the loan principal and interest according to the loan agreement. Even if the investment value declines, the account experiences losses, market volatility increases, or investment returns are lower than expected, the client remains responsible for the loan obligations.

Rising interest rates, market declines, income reduction, cash flow pressure, increased personal debt, or changes in financial circumstances may create additional financial stress for the borrower.

Before using any investment loan strategy, clients should fully understand borrowing costs, repayment obligations, interest rate changes, investment volatility, fees, tax implications, cash flow pressure, and their own risk tolerance. Investment loans are not suitable for everyone. Suitability must be assessed by a licensed advisor based on the client’s personal circumstances.

7. Leverage Risk Disclosure

Leverage refers to using borrowed money or other methods to increase the amount invested. Leverage may increase potential returns, but it also increases potential losses and financial risk.

When markets perform unfavourably, leveraged investing may cause losses to occur more quickly and may increase the pressure to pay interest and repay principal. Leveraged strategies require careful consideration of the client’s cash flow stability, risk tolerance, time horizon, and emotional ability to withstand market volatility.

No leveraged investment strategy should be considered suitable for all clients, and no leveraged strategy should be viewed as a repeatable path for every investor. Clients must fully understand the risks and make decisions carefully based on their own circumstances.

8. Segregated Fund Disclosure

Segregated funds are typically individual variable insurance contracts issued by insurance companies. Any guarantees, fees, restrictions, maturity conditions, death benefit provisions, beneficiary designations, creditor protection, withdrawal impact, and applicable benefits depend on the specific insurer, product contract, fund selection, and client holding period.

The term “guarantee” or “principal guarantee” does not mean that the market value of the investment will not fluctuate during the investment period. It also does not mean that investment returns are guaranteed. If a client redeems early, makes withdrawals, transfers, changes investment options, or does not meet the conditions stated in the contract, the client may not receive the full benefit of the guarantee.

Before purchasing any segregated fund, clients should carefully review the relevant insurer’s product materials, fund facts, contract provisions, fee disclosure, and risk disclosure. Suitability must be assessed by a licensed advisor based on the client’s personal circumstances.

9. Fees, Interest Rates, and Tax Considerations

Investment products, insurance products, fund accounts, and loan arrangements may involve management fees, insurance fees, fund fees, loan interest, account fees, transaction fees, early redemption fees, tax costs, or other related charges.

Fees and interest rates may affect the client’s final investment outcome. Loan interest rates may change, and the client’s interest cost may increase as a result. Different account types, such as TFSA, RRSP, RESP, FHSA, and non-registered accounts, may be subject to different tax rules and limitations.

The information on this website does not constitute tax advice. Before making any investment, loan, or account decision, clients should consult qualified tax, legal, or financial professionals based on their personal circumstances.

10. Product Suitability Assessment

Whether a financial product, insurance product, investment account, or borrowing-to-invest strategy is suitable for a client depends on the client’s personal circumstances.

A suitability assessment typically considers the client’s age, income, assets, liabilities, cash flow, family responsibilities, investment objectives, risk tolerance, investment knowledge, investment experience, time horizon, tax circumstances, and other relevant factors.

Any strategy, client story, or product information presented on this website does not mean that the strategy or product is suitable for all clients. Final suitability should be determined only after a licensed advisor completes know-your-client review, risk assessment, product analysis, and compliance review.

11. Third-Party Insurance Companies, Fund Companies, and Lenders

Ai Financial may introduce or help clients understand products and services provided by third-party insurance companies, fund companies, banks, lending institutions, or other financial institutions.

The terms, guarantees, fees, approval standards, loan conditions, interest rates, contractual obligations, and service arrangements of such products or services are determined by the relevant third-party institutions and are subject to their official documents, contracts, approvals, and disclosures.

Ai Financial does not guarantee that any third-party institution will approve a client’s application. Ai Financial also does not guarantee that any product or loan arrangement will be suitable for any particular client.

12. Website Content Update Disclosure

Ai Financial makes reasonable efforts to keep website content accurate, clear, and timely. However, Ai Financial does not guarantee that all information is complete, accurate, or up to date at all times. Financial markets, product terms, interest rates, regulations, tax rules, and third-party institutional policies may change at any time.

Website content may be updated, revised, or removed from time to time without prior notice. Clients should rely on official product documents, contracts, regulatory disclosure documents, and the most current information provided by licensed professionals.

13. Important Reminder

Before making any investment, insurance, lending, or financial decision, clients should:

Fully understand the risks of the relevant product or strategy;
Read official product documents, fund facts, contract provisions, and fee disclosures;
Confirm whether the strategy is appropriate for their financial situation and risk tolerance;
Consult a licensed professional;
Avoid making decisions based solely on website content, advertising materials, client stories, or historical performance.

Ai Financial encourages clients to make careful, long-term, and suitable financial decisions based on a full understanding of both opportunities and risks.