Terms of Service

Last Updated: December 2024

Acceptance of Terms

By accessing and using the Optimal Analytics website (optimalanlytcs.com) and our services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

Description of Service

Optimal Analytics provides investment advisory and financial planning services to individuals, families, and businesses. Our services include but are not limited to:

• Investment management and portfolio construction
• Financial planning and retirement strategies
• Risk assessment and management
• Wealth preservation planning
• Corporate financial advisory services

Use of Website

You may use our website for lawful purposes only. You agree not to use the website:

• In any way that violates applicable federal, state, local, or international law
• To transmit, or procure the sending of, advertising or promotional material without our prior written consent
• To impersonate or attempt to impersonate the company, employees, or other users
• To engage in any other conduct that restricts inhibits anyone's use or enjoyment of the website

Investment Advisory Services

No Guarantee of Performance

Investment advisory services involve risk, and there can be no assurance that our investment strategies will be profitable or that any investment objectives will be achieved. Past performance does not guarantee future results.

Suitability and Risk Tolerance

All investment recommendations are made based on your stated financial situation, investment objectives, and risk tolerance. It is your responsibility to inform us of any changes in your circumstances that might affect the suitability of our recommendations.

Client Responsibilities

As our client, you agree to:

• Provide accurate and complete financial information
• Notify us promptly of any changes in your financial situation
• Review all account statements and reports
• Ask questions about anything you do not understand

Fees and Payment

Our fee structure will be clearly outlined in your investment advisory agreement. Fees may be charged as:

• A percentage of assets under management
• Fixed fees for specific services
• Hourly rates for consultation services

All fees and payment terms will be agreed upon in writing before services commence.

Confidentiality

We maintain strict confidentiality regarding all client information and will not disclose your personal or financial information without your written consent, except as required by law or regulation.

Intellectual Property Rights

The website and its original content, features, and functionality are and will remain the exclusive property of Optimal Analytics. The website is protected by copyright, trademark, and other laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use our content without our express written permission.

Third-Party Links

Our website may contain links to third-party websites or services that are not owned or controlled by Optimal Analytics. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

Disclaimers

Information Accuracy

While we strive to provide accurate and up-to-date information on our website, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information contained on the website.

No Investment Advice

The information provided on this website is for general informational purposes only and should not be considered personalized investment advice. Always consult with a qualified financial advisor before making investment decisions.

Limitation of Liability

In no event shall Optimal Analytics, its directors, employees, partners, agents, or affiliates be liable for any indirect, incidental, punitive, or consequential damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of our services or website.

Indemnification

You agree to defend, indemnify, and hold harmless Optimal Analytics and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees).

Termination

We may terminate or suspend your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the service will cease immediately.

Governing Law

These Terms shall be interpreted and governed by the laws of Ontario, Canada, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms will be brought exclusively in the courts of Ontario.

Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect.

Regulatory Compliance

Optimal Analytics is committed to compliance with all applicable securities laws and regulations. Our advisory services are provided in accordance with the regulatory requirements governing investment advisors in Canada.

Communication Preferences

By using our services, you consent to receive communications from us via email, telephone, or mail regarding your account, our services, and important updates. You may opt-out of marketing communications at any time.

Contact Information

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

Acknowledgment

By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.