Terms of Use | iAssure Inc.

1. Acceptance of Terms

By accessing, browsing, or using this website (the "Site"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with these terms, please do not use this Site.

We reserve the right to modify these terms at any time. Your continued use of the Site after any changes constitutes acceptance of the modified terms. It is your responsibility to review these terms periodically.

2. Regulatory Status & Service Providers

2.1 Mutual Fund Services

Mutual funds are distributed through WhiteHaven Securities Inc., a registered mutual fund dealer. Anton Ivanov is registered as a Mutual Fund Dealing Representative with WhiteHaven Securities Inc. in Québec.

2.2 Insurance Services

Insurance products and certain other services are provided through iAssure Inc., an independent firm in the insurance of persons and in the group insurance of persons. Anton Ivanov is registered as a Financial Security Advisor in Québec and Ontario, and as a Group Insurance and Group Annuity Plans Advisor in Québec.

3. Educational Purpose Only

This website is provided for informational and educational purposes only. The content on this Site:

• Does not constitute personalized investment, tax, legal, or insurance advice
• Is not tailored to your specific circumstances, objectives, or risk tolerance
• Should not be relied upon as the sole basis for making financial decisions
• May not be current, complete, or accurate
• Is subject to change without notice

No advisor-client relationship is established by your use of this website, downloading materials, or contacting us through the Site. Any personalized advice, recommendations, or services require a formal engagement, written agreement, Know Your Client (KYC) and Know Your Product (KYP) assessments, and a suitability review.

You should consult with your own CPA, notary, and/or lawyer before making any decisions related to your corporation, taxes, estate planning, or legal matters.

4. No Guarantees or Warranties

This website and its content are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties regarding investment returns, outcomes, or performance
• Warranties about the accuracy, completeness, or timeliness of information
• Warranties that the Site will be uninterrupted, secure, or error-free

Past performance does not guarantee future results. Investment values fluctuate, and you may lose money. Tax treatment depends on your circumstances and may change. We do not guarantee that any strategy, product, or approach will be suitable for your situation or will achieve any particular result.

5. Limitation of Liability

To the fullest extent permitted by law, iAssure Inc., Anton Ivanov, WhiteHaven Securities Inc., and their respective officers, directors, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use this website
• Any errors or omissions in the content
• Any decisions made based on information from this website
• Any loss or damage resulting from reliance on this website
• Any unauthorized access to or use of our servers or data

This limitation applies regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise) and even if we have been advised of the possibility of such damages.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

6. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is the property of iAssure Inc., its licensors, or content suppliers and is protected by Canadian and international copyright, trademark, and other intellectual property laws.

You may:

• View and download content for your personal, non-commercial use
• Print pages for your personal reference

You may not:

• Reproduce, distribute, modify, create derivative works, publicly display, or commercially exploit any content without written permission
• Use any content for commercial purposes
• Remove any copyright, trademark, or other proprietary notices
• Use automated systems (robots, spiders, scrapers) to access the Site without permission

7. User Conduct

You agree to use this website only for lawful purposes and in a manner that does not:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Interfere with or disrupt the Site or servers
• Transmit any viruses, malware, or harmful code
• Attempt to gain unauthorized access to any portion of the Site
• Impersonate any person or entity or misrepresent your affiliation

We reserve the right to terminate or restrict your access to the Site at any time, without notice, for any violation of these terms or for any other reason.

8. Third-Party Links and Content

This website may contain links to third-party websites, resources, or references to external information. These links are provided for your convenience only. We do not:

• Endorse, control, or assume responsibility for third-party content, products, or services
• Guarantee the accuracy, completeness, or availability of third-party information
• Make any representations or warranties about third-party websites

Your use of third-party websites is at your own risk and subject to the terms and conditions of those websites. We are not responsible for any loss or damage resulting from your use of third-party websites or content.

9. Privacy and Data Protection

Your use of this website is also governed by our Privacy Notice, which explains how we collect, use, and protect your personal information. By using this Site, you consent to the collection and use of information as described in our Privacy Notice.

Important: Personal information related to mutual fund accounts is handled in accordance with the Privacy Policy of WhiteHaven Securities Inc. For details, please consult: https://whitehaven.ca/privacy-policy/. iAssure Inc. does not administer or control personal information related to mutual fund accounts.

10. Jurisdiction and Governing Law

This website is intended for incorporated business owners in Québec and Ontario, Canada. These Terms of Use are governed by the laws of the Province of Québec and the federal laws of Canada applicable therein.

Any disputes arising from or relating to these terms or your use of this website shall be subject to the exclusive jurisdiction of the courts of Québec, Canada.

Information on this website may not be applicable to other jurisdictions. Tax rules, regulations, and product availability vary by province and may change.

11. Indemnification

You agree to indemnify, defend, and hold harmless iAssure Inc., Anton Ivanov, WhiteHaven Securities Inc., and their respective officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising from:

• Your use of this website
• Your violation of these Terms of Use
• Your violation of any rights of another party
• Any decisions made based on information from this website

12. Severability

If any provision of these Terms of Use is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

13. Entire Agreement

These Terms of Use, together with our Privacy Notice and Disclaimer, constitute the entire agreement between you and iAssure Inc. regarding your use of this website, superseding any prior agreements or understandings.

14. Contact Information

If you have questions about these Terms of Use, please contact us:

Last Updated: These Terms of Use may be updated periodically. Please review this page regularly for changes.