Agreement to Terms
These Terms of Service ("Terms") govern your use of the BigHegiOca website and services. By accessing our website or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website or services.
About BigHegiOca
BigHegiOca is a financial planning firm registered in Canada, providing pension planning, investment management, and comprehensive financial advisory services. We are regulated by the Investment Industry Regulatory Organization of Canada (IIROC) and comply with all applicable Canadian securities regulations.
Services Provided
Our services include, but are not limited to:
- Financial planning and consultation
- Pension and retirement planning
- Investment management and advisory services
- Insurance planning and analysis
- Tax planning strategies
- Estate planning coordination
Professional Relationship
The provision of financial planning services creates a professional relationship between BigHegiOca and the client. This relationship is governed by:
- Applicable Canadian securities laws and regulations
- IIROC rules and guidelines
- Professional standards of practice
- Specific client service agreements
Fiduciary Duty
We acknowledge our fiduciary duty to act in our clients' best interests. This includes:
- Providing suitable investment recommendations
- Disclosing potential conflicts of interest
- Maintaining confidentiality of client information
- Acting with honesty and good faith
Client Responsibilities
As our client, you agree to:
- Provide accurate and complete financial information
- Promptly notify us of any changes in your financial situation
- Review all recommendations and documentation carefully
- Ask questions if you do not understand any aspect of our advice
- Make final investment and planning decisions independently
Fees and Compensation
Our compensation may come from various sources:
- Direct fees paid by clients for planning services
- Management fees for investment advisory services
- Commissions on insurance products and investments
- Trailing commissions on mutual funds
All fees and compensation arrangements will be disclosed in writing before services are provided.
Investment Risks
You acknowledge that:
- All investments carry risk of loss
- Past performance does not guarantee future results
- Diversification does not ensure profits or protect against losses
- Investment values may fluctuate and you may lose money
- We cannot guarantee investment returns
Website Use
When using our website, you agree to:
- Use the site for lawful purposes only
- Not attempt to gain unauthorized access to our systems
- Not transmit harmful or malicious code
- Respect intellectual property rights
- Not engage in any activity that could harm our reputation
Intellectual Property
All content on our website is owned by BigHegiOca or used with permission. This includes:
- Text, graphics, logos, and images
- Software and website functionality
- Educational materials and resources
- Trademarks and service marks
Privacy and Confidentiality
We are committed to protecting your privacy and maintaining the confidentiality of your personal and financial information. Our privacy practices are detailed in our Privacy Policy.
Limitation of Liability
To the maximum extent permitted by law, BigHegiOca shall not be liable for:
- Investment losses due to market conditions
- Indirect, consequential, or punitive damages
- Losses due to client failure to follow recommendations
- Technical issues with our website or systems
- Actions of third-party service providers
Regulatory Compliance
We are subject to regulation by:
- Investment Industry Regulatory Organization of Canada (IIROC)
- Canadian Securities Administrators (CSA)
- Provincial securities commissions
- Canada Revenue Agency (CRA) for tax matters
Dispute Resolution
In the event of a dispute, we encourage resolution through:
- Direct communication with our compliance department
- IIROC's complaint and dispute resolution process
- Mediation or arbitration as appropriate
- Regulatory complaint processes
Termination
Either party may terminate the professional relationship with written notice. Upon termination:
- Outstanding fees become immediately due
- Client records will be transferred as requested
- Confidentiality obligations continue
- Investment accounts may be transferred to another advisor
Changes to Terms
We may update these Terms from time to time. Material changes will be communicated to clients through:
- Written notice for existing clients
- Website posting for general updates
- Email notifications when appropriate
Governing Law
These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes will be subject to the jurisdiction of the courts of Ontario.
Contact Information
For questions about these Terms or our services, please contact:
Regulatory Information
BigHegiOca is a registered investment advisor. For additional information about our services and regulatory status, please refer to our:
- Form ADV (available upon request)
- IIROC advisor registration information
- Professional liability insurance details
- Complaint handling procedures