WealthAgent Terms of Service

Effective date: September 27, 2026

These Terms of Service, together with any policies, feature terms, subscription terms, and other terms expressly incorporated by reference, form a legally binding agreement governing your access to and use of WealthAgent websites, applications, planning tools, forecasts, simulations, reports, recommendations, AI-assisted features, subscription services, and related support services.

Important: WealthAgent is a self-directed financial planning and modelling tool. WealthAgent does not provide financial, investment, legal, tax, accounting, insurance, estate-planning, pension, benefits, fiduciary, brokerage, portfolio-management, or other regulated professional advice, and WealthAgent is not registered with any securities, insurance, or financial-services regulator. Output is generated from the information and assumptions you provide. You are responsible for your own decisions and for verifying Output before acting on it. Sections 15 and 16 limit our liability to the extent permitted by law, and section 19 preserves the rights you have under consumer protection law.

1. Acceptance of these Terms

By creating an account, accessing WealthAgent, starting a subscription, using any Service, or clicking to accept these Terms, you agree to be bound by these Terms and by any additional terms presented for a specific feature or subscription. We will ask you to expressly accept these Terms when you create an account and again when you start a paid subscription, and we will send you a copy of these Terms (or a link to them) by email when you do. If you do not agree, do not access or use WealthAgent.

If these Terms conflict with additional terms that apply to a specific feature, plan, trial, promotion, or subscription, the additional terms will govern only for that feature, plan, trial, promotion, or subscription and only to the extent of the conflict.

If you enter information about another person, such as a member of your household, you represent that you have the authority and consents required to do so.

2. Definitions

In these Terms, “WealthAgent”, “we”, “us”, and “our” mean WealthAgent Inc., 1000 Innovation Drive, Suite 500, Ottawa, ON K2K 3E7, Canada. “You” and “your” mean the individual who accesses or uses the Services. “Services” means the WealthAgent services described above. The Services are offered only to individuals who reside in Canada outside Quebec. “User Content” means information, data, assumptions, documents, notes, prompts, instructions, account details, financial information, and other content that you provide, upload, enter, import, or authorize WealthAgent to process.

“Output” means any forecast, projection, simulation, recommendation, scenario, estimate, report, chart, calculation, explanation, AI-generated response, suggested strategy, or other material generated or displayed by the Services.

“Applicable Law” means all laws, statutes, regulations, rules, orders, regulatory guidance, professional standards, self-regulatory organization requirements, court orders, and governmental requirements that apply to you, your use of the Services, your User Content, your Output, or any service you provide to another person. “WealthAgent Parties” means WealthAgent and its owners, directors, officers, employees, contractors, licensors, agents, service providers, successors, and assigns.

3. Eligibility and individual use

WealthAgent is intended for individual users who reside in Canada outside Quebec. You must be at least the age of majority in your province or territory of residence (18 or 19) and must not be prohibited from using the Services under applicable law. We do not offer the Services to residents of Quebec or other countries, and you must not use the Services if you reside in Quebec or outside Canada.

Each time you access or use the Services, you represent, warrant, and covenant that: you are using the Services only for a permitted purpose; all account information and User Content you provide is accurate, complete, lawful, and not misleading; you have all rights, authorizations, notices, and consents required to provide User Content to WealthAgent; and your use of the Services, User Content, and Output will comply with these Terms and Applicable Law.

Unless WealthAgent has provided written permission, accounts and subscriptions are personal to the named individual account holder. Financial institutions, banks, credit unions, securities dealers, portfolio managers, insurance agencies, trust companies, advisory firms, accounting firms, law firms, employer benefit plan sponsors, family offices, advisor teams, enterprises, and other non-individual users may not access or use the Services directly, through employees, through contractors, through shared credentials, or through automated systems.

4. No professional advice or fiduciary relationship

WealthAgent provides software, analysis, modelling, and informational Output only. We are not your financial planner, financial advisor, investment advisor, securities dealer, broker, portfolio manager, accountant, tax preparer, lawyer, estate planner, insurance advisor, pension advisor, fiduciary, trustee, agent, or representative. No person associated with WealthAgent holds themselves out through the Services as a “financial planner”, “financial advisor”, or any other protected title, and WealthAgent is not registered as an adviser or dealer under the securities legislation of any province or territory.

The Services do not recommend that you buy, sell, hold, rebalance, borrow against, insure, contribute to, transfer, gift, bequeath, or otherwise transact in any specific security, asset, insurance product, pension option, estate structure, or financial product. The Services may model cash flow, tax and the order and timing of withdrawals across the account types you have entered. Those models are illustrations based on your inputs and assumptions, not a recommendation to transact in any specific product or account. Where the Services display information about investment holdings you have entered (for example, ticker symbols or balances), that information is displayed for modelling purposes only and does not constitute a recommendation. The Services do not assess your risk tolerance, investment knowledge, or the suitability of any product for you. Any Output is general, informational, and dependent on assumptions that may be incomplete, stale, inaccurate, unsuitable, or inapplicable to your circumstances.

You should consult qualified professionals before making financial, investment, legal, tax, accounting, insurance, estate-planning, pension, benefits, or other significant decisions. You remain solely responsible for determining whether any action is appropriate for you.

5. Forecasts, simulations, and AI Output

Forecasts, simulations, market assumptions, retirement projections, withdrawal sequences, tax estimates, inflation assumptions, longevity assumptions, cash-flow models, probability estimates, and AI-generated Output are for information and planning discussion only. They are not guarantees, promises, predictions, professional opinions, or assurances of future results.

Actual outcomes may differ materially from WealthAgent Output because of market conditions, interest rates, inflation, exchange rates, tax law changes, benefits law changes, pension rules, account fees, contribution limits, withdrawal rules, income changes, expenses, health events, family events, death, disability, data errors, model limitations, software errors, third-party data errors, or other factors.

AI-assisted features use large language models supplied by third-party providers. They may produce inaccurate, incomplete, outdated, inconsistent, or unsuitable Output, including plausible-sounding but incorrect statements about tax rules, government benefits, contribution limits, or your own plan. You must independently review, verify, and validate all Output before relying on it or sharing it with anyone else.

You acknowledge that financial modelling is inherently uncertain and that the Services may use assumptions, approximations, third-party information, automated reasoning, or model parameters that do not reflect future facts, current law, all product terms, or all facts relevant to you or to any person for whom you create a plan.

6. Tax, estate, and legal limitations

Any tax-aware, estate-aware, benefits-aware, or legal-context Output is informational only and may not reflect your actual legal obligations, tax position, available deductions, credits, exemptions, filing requirements, probate exposure, estate administration costs, beneficiary designations, trust arrangements, family-law issues, creditor issues, or other relevant facts.

WealthAgent Output may be unsuitable or inaccurate for actual tax planning, tax filing, estate planning, will drafting, trust planning, beneficiary planning, charitable giving, corporate planning, pension elections, or other legal or professional planning purposes. You are responsible for obtaining professional advice and for all filings, elections, transactions, documentation, and decisions.

7. Your data and decisions

You are responsible for the accuracy, completeness, legality, and timeliness of all User Content and for keeping your assumptions current. WealthAgent may rely on User Content without independently verifying it.

You are solely responsible for all decisions, reliance, transactions, contributions, withdrawals, transfers, purchases, sales, filings, elections, instructions, disclosures, and financial outcomes that arise from or relate to your use of the Services. You assume the risk that Output may be wrong, incomplete, unsuitable, or unsuccessful.

8. Personal use

Your account is personal to you. You may enter information about members of your household and share your plans and Output with your spouse or partner and with your own professional advisers. You may not use the Services to create, manage or review plans for any other person, or to provide planning, advice or similar services to any other person.

9. Unauthorized advice and misuse

You must not use WealthAgent to:

provide financial planning, investment advice, tax advice, legal advice, estate advice, insurance advice, pension advice, benefits advice, or similar services to another person;

hold yourself out using a title, designation, credential, registration category, licence, or professional status that you do not lawfully hold;

make guarantees about returns, tax savings, estate outcomes, retirement success, probability of success, withdrawal sustainability, or financial outcomes;

use Output as a substitute for professional review, due diligence, tax analysis, legal analysis, or regulatory compliance;

share account credentials, bypass subscription limits, scrape the Services, reverse engineer the Services, interfere with security, or use automated systems without our written permission;

upload unlawful, misleading, infringing, malicious, or unauthorized content, including third-party personal information that you do not have permission to use; or

use the Services for unlawful, deceptive, abusive, harmful, exploitative, or regulatorily prohibited activity.

10. Accounts and security

You must provide accurate account information and keep it current. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. You must promptly notify us if you believe your account, credentials, data, or subscription has been compromised or used without authorization.

You are responsible for implementing appropriate safeguards for devices, networks, browsers, passwords, authentication methods, exported files, printed reports, screenshots, and other records used in connection with the Services. You must not share credentials or permit access in a manner that would allow another person to use the Services as if they were you.

We may suspend, restrict, or terminate access if we believe your account has been compromised, used by an unauthorized person, used by an excluded institution, used for unauthorized advice, or used in a way that violates these Terms or applicable law.

11. Subscriptions, billing, and cancellation

Some Services require a paid subscription. Before you start a paid subscription, we will disclose the subscription features and limits, the price and currency, applicable taxes, the billing period, whether and how the subscription renews, the length of any free trial and what you will be charged when it ends, and how to cancel. You will have an express opportunity to accept or decline the subscription before you are charged, and we will send you a written confirmation of these details after you subscribe. You authorize WealthAgent and its payment processors to charge applicable fees, taxes, and recurring subscription amounts using your selected payment method.

Automatic renewal. Subscriptions renew automatically at the end of each billing period unless you cancel before the renewal date. For any subscription with a billing period longer than 60 days, we will send you a renewal notice between 30 and 60 days before the renewal date stating the renewal date, the renewal price, and how to cancel.

Free trials. If a subscription begins with a free trial, we will tell you before the trial starts when it ends, what you will be charged when it ends, and how to cancel before you are charged, and we will send you a reminder before the trial ends.

Cancellation and refunds. You may cancel your subscription at any time through account settings. Cancellation takes effect at the end of the current billing period, and you keep access until then. Fees already paid are not refunded, except that (a) if your subscription has a billing period longer than 60 days and you cancel within 15 days after an automatic renewal, we will refund the renewal charge; (b) we will refund fees where required by the consumer protection law of your province or territory; and (c) we will refund fees where the applicable subscription terms say so.

Price and plan changes. We will give you at least 30 days’ and not more than 60 days’ notice by email before a price increase or a change to your subscription’s features, limits, or billing method takes effect. The notice will describe the change, the date it takes effect, and how to cancel. If you do not accept the change, you may cancel before it takes effect and we will refund any prepaid fees for the period after the change. If you continue to use the Services after the change takes effect, you accept the change.

You are responsible for all applicable taxes, duties, levies, and similar governmental charges, except taxes based on WealthAgent’s income. If a payment processor, app store, or other third party administers billing, your payment may also be governed by that third party’s terms.

If payment fails, we will notify you and may downgrade, suspend, or terminate paid features if payment is not made within a reasonable time after that notice.

12. Privacy and third-party services

Our collection, use, disclosure, retention, and protection of personal information is described in our Privacy Policy. You must not provide personal information about another person unless you have all rights, consents, authority, and notices required by applicable law.

If you provide personal information about a spouse, partner, dependent, beneficiary, household member, or other third party, you are responsible for ensuring that the information was collected lawfully, that the person has received all required notices, and that WealthAgent may process the information for the purposes described in these Terms and the Privacy Policy.

The Services depend on third-party providers, including identity, hosting, analytics, AI, payment, market-data, communication, and support providers. We remain responsible under applicable privacy law for personal information that we transfer to our service providers, as described in the Privacy Policy. Subject to that, and except to the extent required by applicable law, we are not responsible for the terms, pricing, interruptions, errors, or acts or omissions of third-party services that you contract with directly (such as your payment card issuer or app store).

13. Ownership and licence

WealthAgent and its licensors own the Services, including software, interfaces, designs, models, workflows, documentation, trademarks, trade names, graphics, templates, reports, non-user data, and other materials. These Terms do not transfer any ownership rights to you.

Subject to these Terms, WealthAgent grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable licence to access and use the Services for your permitted use during the term of your account or subscription.

You retain ownership of your User Content. You grant WealthAgent a licence to host, process, transmit, display, reproduce, modify, and use User Content as needed to provide, secure, maintain, troubleshoot, improve, and support the Services and as otherwise permitted by these Terms and the Privacy Policy. We do not use your User Content or personal information to train artificial-intelligence models, and our AI providers are contractually prohibited from doing so. If we ever want to, we will ask for your consent first.

If you provide suggestions, requests, ideas, comments, or other feedback about the Services, you grant WealthAgent a perpetual, irrevocable, worldwide, royalty-free licence to use that feedback (excluding any personal information or plan data it contains) without restriction or compensation, provided that WealthAgent does not identify you as the source unless you consent or Applicable Law permits it.

14. Service availability and changes

Subject to sections 11 and 20, we may modify, suspend, replace, discontinue, restrict, or remove any Service, feature, model, Output type, integration, subscription plan, or usage limit at any time. We do not guarantee that the Services will be uninterrupted, error-free, secure, current, complete, or available in every location.

The Services may include beta, preview, experimental, or limited-release features. Those features may be changed or withdrawn at any time and may be less reliable, less accurate, or subject to additional restrictions.

You are responsible for maintaining your own copies of records, reports, assumptions, and other materials that you need for legal, tax, accounting, professional, regulatory, or personal purposes.

15. Disclaimers

To the maximum extent permitted by applicable law, the Services and all Output are provided “as is” and “as available” without warranties, conditions, representations, or guarantees of any kind, whether express, implied, statutory, or otherwise. WealthAgent disclaims all warranties and conditions of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, reliability, availability, performance, suitability, professional quality, and results. This section does not exclude any warranty or condition that applies under consumer protection legislation and cannot be excluded, including the warranty under Ontario law that services supplied to a consumer will be of reasonably acceptable quality and the legal warranties under the Civil Code of Quebec and the Consumer Protection Act (Quebec).

WealthAgent does not guarantee any investment return, financial return, tax saving, estate outcome, pension outcome, benefits outcome, insurance outcome, debt outcome, savings target, withdrawal sustainability, retirement date, probability of success, cash-flow result, net worth result, or other financial outcome.

No oral or written information, communication, report, support response, or Output provided by WealthAgent or any WealthAgent Party creates any warranty, representation, professional engagement, fiduciary duty, advisory relationship, or other obligation not expressly stated in these Terms.

16. Limitation of liability

To the maximum extent permitted by applicable law, the WealthAgent Parties will not be liable for any financial loss, investment loss, market loss, trading loss, lost return, lost opportunity, lost income, lost profit, lost savings, tax liability, tax penalty, interest charge, estate loss, probate cost, legal cost, accounting cost, insurance cost, pension loss, benefits loss, business loss, data loss, reputational harm, client claim, regulatory claim, or any indirect, incidental, consequential, special, exemplary, aggravated, or punitive damages arising from or relating to the Services, Output, User Content, third-party services, or these Terms.

To the maximum extent permitted by applicable law, the aggregate liability of the WealthAgent Parties for all claims arising from or relating to the Services or these Terms will not exceed the greater of the amount you paid to WealthAgent for the Services in the 12 months before the event giving rise to the claim and CAD $100.

These limitations apply regardless of the theory of liability, including contract, tort, negligence, strict liability, statute, equity, or otherwise, even if WealthAgent has been advised of the possibility of the loss and even if a limited remedy fails of its essential purpose. Nothing in these Terms limits or excludes liability for fraud, wilful misconduct, or gross negligence, for death or bodily injury, or any other liability that cannot be limited or excluded under applicable law. If you reside in Quebec, sections 15, 16, and 17 apply only to the extent permitted by the Consumer Protection Act (Quebec) and the Civil Code of Quebec and do not exclude our liability for bodily or moral injury or for damage caused by our intentional or gross fault.

17. Indemnity

To the maximum extent permitted by applicable law, you will indemnify the WealthAgent Parties from and against third-party claims, losses, liabilities, damages, penalties, fines, costs, and expenses, including reasonable legal fees, arising from or relating to:

User Content that you had no right to provide, including personal information about another person that you provided without the required authority or consent;

your misuse of the Services or violation of these Terms;

your provision of unauthorized or unlawful advice to another person;

claims by third parties arising from your breach of these Terms, your misuse of the Services, or User Content that you had no right to provide; or

your breach of privacy, confidentiality, regulatory, or legal obligations.

We may control the defence and settlement of any indemnified matter with counsel of our choice; you remain responsible for the indemnified losses and costs. You must cooperate reasonably with our defence and must not settle any matter in a way that imposes liability, admission, obligation, or restriction on a WealthAgent Party without our prior written consent. This section does not apply to you to the extent that consumer protection law in your province or territory prohibits it.

18. Suspension and termination

You may stop using the Services at any time. We may suspend, restrict, downgrade, or terminate your account, subscription, or access to any Service if you violate these Terms, fail to pay fees after the notice and reasonable time to pay described in section 11, create risk for WealthAgent or others, use the Services through an excluded institution, provide advice to another person, or use the Services in a way that may violate applicable law or professional standards.

Suspension, restriction, downgrade, or termination does not limit any rights or remedies available to WealthAgent and does not relieve you of obligations incurred before the effective date of the suspension, restriction, downgrade, or termination. For 30 days after your account is closed (other than for a serious breach of these Terms), you may request an export of your plan data in a commonly used electronic format. This does not limit your rights under the Privacy Policy or applicable privacy law. We may retain or delete account data after termination in accordance with the Privacy Policy, our retention practices, and Applicable Law.

Sections that by their nature should survive termination will survive, including ownership, disclaimers, limitation of liability, indemnity, general terms, governing law, and any unpaid payment obligations.

19. Governing law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in Ontario, without regard to conflict-of-law rules. If you are a consumer, this choice of law does not deprive you of the protection of the mandatory consumer protection laws of the province or territory in which you reside. Disputes will be brought in the courts of Ontario, except that if you are a consumer you may bring a claim in the courts or tribunals of your province or territory of residence, and nothing in these Terms prevents you from bringing a claim in small claims court or from participating in a class proceeding where the law gives you that right.

Consumer protection, privacy, securities, insurance, tax, professional regulation, and other laws may give you rights or impose obligations that cannot be waived. Nothing in these Terms excludes, restricts, or modifies those rights or obligations where doing so would be prohibited by applicable law.

20. Changes to these Terms

We may update these Terms from time to time. If a change is material, or if it affects price, features, cancellation, refunds, or your rights, we will notify you by email or in the Services at least 30 days and not more than 60 days before the change takes effect. The notice will describe the change, the date it takes effect, and your right to cancel your subscription without penalty (and receive a refund of prepaid fees for the period after the change) if you do not accept it. Changes that are required by law or that only add features or benefits may take effect immediately on posting. The current version of these Terms will always be posted on this page with its effective date. If you continue to use the Services after a change takes effect, you accept the updated Terms.

21. General terms

These Terms, together with the Privacy Policy and any additional terms incorporated by reference, constitute the entire agreement between you and WealthAgent regarding the Services and supersede all prior or contemporaneous understandings regarding the Services.

If any provision of these Terms is held invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect, and the invalid, illegal, or unenforceable provision will be enforced to the maximum extent permitted by law or replaced by an enforceable provision that most closely reflects the original intent.

Our failure or delay in exercising any right, power, or remedy under these Terms is not a waiver of that right, power, or remedy. Any waiver must be in writing and applies only to the specific instance identified in the waiver.

You may not assign, transfer, delegate, or sublicense these Terms, your account, or your right to access the Services without WealthAgent’s prior written consent. WealthAgent may assign, transfer, delegate, or sublicense these Terms or any rights or obligations under these Terms in connection with a merger, acquisition, financing, reorganization, sale of assets, change of control, or operation of law.

Neither party will be liable for delay or failure to perform caused by events beyond that party’s reasonable control, including acts of God, labour disputes, internet or hosting failures, utility failures, cyberattacks, war, terrorism, civil unrest, governmental action, natural disasters, public health events, or failures of third-party providers.

Headings are for convenience only and do not affect interpretation. The words “including” and “includes” mean “including without limitation.” Notices may be provided by posting in the Services, email, account message, or another legally permitted method.

22. Contact

Questions about these Terms can be sent to [email protected] or by mail to WealthAgent Inc., 1000 Innovation Drive, Suite 500, Ottawa, ON K2K 3E7, Canada. Do not send passwords, full account numbers, or sensitive financial documents by email.