Terms of Service

Agreement to Terms

By accessing and using the services of Mode Money Managers™ ("we," "our," or "us"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

Services Provided

Mode Money Managers™ provides financial planning, investment advisory, and insurance services to Canadian residents. Our services include:

• Comprehensive financial planning
• Investment portfolio management
• Life and health insurance advisory
• Retirement planning and tax optimization
• Estate planning guidance

Regulatory Compliance

We are registered and regulated by the appropriate Canadian financial regulatory authorities. Our advisors hold the necessary licenses and designations, including CFP®, CSC®, RIS®, and PFA® credentials. We operate in accordance with all applicable securities legislation and industry regulations.

Client Responsibilities

As a client, you agree to:

• Provide accurate and complete information about your financial situation
• Notify us promptly of any material changes to your circumstances
• Review all documents and statements carefully
• Ask questions if you do not understand any aspect of our recommendations
• Make final investment decisions based on your own judgment

Investment Risks

All investments carry risk, including the potential loss of principal. Past performance is not indicative of future results. We provide recommendations based on your stated objectives and risk tolerance, but we cannot guarantee investment outcomes. You acknowledge that you understand and accept the risks associated with investing.

Fees and Compensation

Our fee structure is disclosed in writing before you engage our services. Fees may include management fees, commission-based compensation, or a combination thereof, depending on the products and services selected. All fees are subject to applicable taxes.

Confidentiality

We maintain strict confidentiality of all client information in accordance with our Privacy Policy and applicable privacy legislation. We will not disclose your personal or financial information without your consent, except as required by law.

Termination

Either party may terminate the advisory relationship at any time with written notice. Upon termination, you will be responsible for any fees incurred up to the termination date. We will assist with the orderly transfer of your accounts as requested.

Limitation of Liability

To the fullest extent permitted by law, Mode Money Managers™ shall not be liable for any indirect, incidental, special, or consequential damages arising from the use of our services. Our liability is limited to the fees paid for the services in question.

Governing Law

These Terms of Service are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein. Any disputes shall be resolved in the courts of British Columbia.

Contact Information

If you have any questions about these Terms of Service, please contact us at:

Mode Money Managers™
1921 Ocean Wind Dr, Surrey, BC V4A 3M3
Email: advise@modemoney.ca