Terms of Use

Last updated: December 15, 2025

These Terms of Use (“Terms”) govern your access to and use of www.securefuturefinancial.ca (the “Website”), operated by Secure Future Financial (“Secure Future Financial,” “we,” “us,” or “our”).

By accessing or using this Website, you agree to be bound by these Terms. If you do not agree, you must not use the Website.

1. Eligibility

This Website is intended for individuals 18 years of age or older.
By using the Website, you confirm that you meet this requirement and have the legal capacity to enter into these Terms.

2. Nature of the Website and Services

Secure Future Financial does not provide financial, insurance, investment, legal, or tax advice, and does not sell, underwrite, or issue any financial or insurance products.

The Website:

Provides educational and informational content
Offers general tools, questionnaires, and estimators
Facilitates connections with independent, licensed financial or insurance advisors

Any advice, recommendations, or services you receive are provided solely by third-party advisors, not by Secure Future Financial.

3. No Advice or Professional Relationship

Use of this Website does not create:

An advisor-client relationship
An insurance broker-client relationship
A fiduciary relationship

All content and tools are provided for general information purposes only and should not be relied upon as professional advice.

4. Independent Third-Party Advisors

Advisors connected through the Website:

Are independent third parties
Are not employees, agents, or representatives of Secure Future Financial
Are solely responsible for the advice, products, services, and information they provide

Secure Future Financial does not endorse, guarantee, or assume responsibility for any advisor, product, service, or outcome.

5. Accuracy of Information

While we strive to keep information current and accurate:

Content may be outdated, incomplete, or subject to change
Estimates and tools provide illustrative results only
Results may vary based on individual circumstances

You are responsible for verifying all information with a qualified professional before making decisions.

6. User Responsibilities

By using the Website, you agree to:

Provide accurate and truthful information
Use the Website for lawful purposes only
Not misuse, disrupt, or attempt to interfere with Website functionality
Not submit false, misleading, or fraudulent information

We reserve the right to restrict or terminate access for misuse.

7. Intellectual Property

All content on the Website, including text, graphics, logos, tools, and design elements, is owned by or licensed to Secure Future Financial and protected under Canadian intellectual property laws.

You may not copy, reproduce, distribute, or modify any content without prior written permission, except for personal, non-commercial use.

8. Privacy

Your use of the Website is also governed by our Privacy Policy, which explains how personal information is collected, used, and protected.

By using the Website, you consent to the practices described in the Privacy Policy.

9. Third-Party Links

The Website may contain links to third-party websites or services.
We do not control and are not responsible for:

Third-party content
Privacy practices
Accuracy or reliability of external information

Access to third-party websites is at your own risk.

10. Limitation of Liability

To the maximum extent permitted by Canadian law:

Secure Future Financial shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

Use or inability to use the Website
Reliance on information, tools, or content
Interactions with third-party advisors
Decisions made based on Website content

Use of the Website is entirely at your own risk.

11. No Guarantees

We make no guarantees or warranties regarding:

Accuracy or completeness of information
Outcomes, results, or financial performance
Suitability of any advisor or product

Past performance or estimates do not guarantee future results.

12. Indemnification

You agree to indemnify and hold harmless Secure Future Financial from any claims, damages, losses, or expenses arising from:

Your use of the Website
Your interactions with third-party advisors
Your violation of these Terms

13. Suspension or Termination

We may suspend or terminate access to the Website at any time, without notice, if:

These Terms are violated
The Website is misused
Required by law or regulation

14. Changes to These Terms

We reserve the right to modify these Terms at any time.
Updates will be posted on this page with the revised date. Continued use of the Website constitutes acceptance of the updated Terms.

15. Governing Law

These Terms are governed by and construed in accordance with the laws of the Province of Ontario and the laws of Canada applicable therein, without regard to conflict of law principles.

16. Contact Information

For questions regarding these Terms of Use, please contact:

Email: contact@securefuturefinancial.ca