Please carefully read this notice before you use this website. If you do not agree with the following conditions, please exit the site.

Site content

The information contained on the pages of this website is subject o modification and update form time to time without notice. Reasonable efforts have been made to ensure that the information in this site is complete, accurate and up-to-date. However Independent Financial Concepts Group Ltd. (IFCG) cannot guarantee the accuracy, timeliness, completeness or authenticity of any site content, site functionality, or the transmission of any site content from the site to you.

Certain aspects of the site have been prepared outside of IFCG. Other worldwide web sited for which connections may be provided, or which provide connections to this site, are completely Independent of this site. IFCG does not endorse the sites to which we refer by hypertext links. Similarly, we do not endorse sites which refer to our site. In addition, the inclusion of site acknowledgements and the identification of persons and entities shall not, in any manner, be construed as an endorsement for the product, person or entity by IFCG.


The information contained in this site is confidential and proprietary, and contains personal, confidential and/or proprietary information with respect to IFCG.

The information in this site is only intended for your business with Independent Financial Concepts Group Ltd., and for the purpose of informing existing and prospective clients.

Use of this Site

Access to this site is subject to IFCG’s rules and procedures, as developed from time to time. Although IFCG will make its best efforts to keep this site operational, IFCG cannot guarantee that the site will always be accessible. IFCG may, in its sole discretion, modify, suspend or terminate the access or services provided to you through this site without notice.


By using this site, you acknowledge and confirm that the Internet is not a secure medium where privacy can be ensured and that complete security and confidentiality over the Internet is not possible at this time. Your confidential use of the site cannot be guaranteed and your use of the site (including information you transmit to the site) may be subject to access by, or disclosure to, other persons. Without limiting any other disclaimer herein, IFCG shall not be responsible or liable for any harm that you or any other person may suffer in connection with any such breach of confidentiality or security.


IFCG may sue “cookies” or related technology to track usage of the site and in order to improve our service to you.

Trade Marks

IFCG, the block design and tag lines are registered trade marks of Independent Financial Concepts Group Ltd., used under license.

Governing Laws

The laws of the Province of Ontario and the federal laws of Canada applicable therein shall govern as to the interpretation, validity and effect of this Agreement and any use of the site. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the Province of Ontario in any Acton or proceeding instituted under or related to this Agreement or your use of the site.

Agreement with Independent Financial Concepts Group Ltd.

By use of this site, you are agreeing that IFCG, its affiliated companies, and directors, officers or employees of the Company or its affiliates or affiliated companies, shall not be liable for any damages including direct, incidental, ordinary, punitive, exemplary, indirect, special, and consequential or any other damages arising out of or related to the use of this site.

You agree that any and all information and/or content on this site remains the sole and exclusive property of IFCG and is considered to be confidential information. You acknowledge and agree that you do not and will not acquire any proprietary interest in any material found on this site. You agree that you will not use this site, or any portion thereof, in any manner that may infringe any proprietary or intellectual proprietary interests that the Company or any third party may have in it. You agree that you will be bound by all terms of this contract, without limitation, even if you have not read the contract. You acknowledge that IFCG may revise the terms and conditions which apply to your use of this Site at any time without notice to you. The terms and conditions, as revised will be binding from the time they are posted on this Site. You agree to review these posted terms and conditions from time to time and that , by your continued use of this Site, you are bound by any revised version of this Site terms and conditions.