Disclaimer | Odyssey Wealth

This Disclaimer applies to all content published on the Odyssey Wealth Inc. website at odysseywealth.ca (the “Website”), including written articles, videos, podcasts, newsletters, social media posts, calculators, downloadable guides, and any interactive tools.

Information only — not personalized advice

Content on the Website is provided for general information and educational purposes only. It is not investment, legal, tax, accounting, mortgage, insurance, or other professional advice, and it does not consider your personal financial situation, objectives, or risk tolerance.

Nothing on the Website should be relied on as a substitute for personalized advice from a qualified professional who has reviewed your specific circumstances. Reading the Website, downloading materials, or using any of our calculators or tools does not create an advisor-client relationship between you and Odyssey Wealth Inc., its representatives, or Designed Wealth Management.

If you want personalized advice, please book an introductory conversation through our scheduling page. A formal advisor-client relationship begins only when both parties have signed a written engagement agreement.

Securities-related advice and investment account services are offered through Odyssey Wealth representatives in their capacity as registered individuals of Designed Wealth Management (“DWM”), the dealer through which our advisors are registered. DWM is regulated by the Canadian Investment Regulatory Organization (CIRO).

Information on the Website that touches on securities, portfolios, or investment strategies is general in nature and is not a recommendation to buy, sell, or hold any specific security, fund, or product. Personalized recommendations are made only after a suitability assessment within a documented advisor-client engagement.

You can verify the registration status of any Odyssey Wealth representative through CIRO’s Know Your Advisor — Advisor Report.

No offer or solicitation

Nothing on the Website constitutes an offer to sell, or a solicitation of an offer to buy, any security, insurance product, mortgage product, or other financial product in any jurisdiction. Products and services may not be available in every Canadian province or territory and are not available outside Canada.

Jurisdiction — Canada residents only

The Website is directed to residents of Canada. It is not directed to, and may not be relied on by, any person located in any jurisdiction where access to or use of the Website, or any of our products or services, would be contrary to local law. Our representatives are registered in specific Canadian provinces and may not be permitted to provide advice or open accounts for residents of other provinces, territories, or countries. Ask us about registration before relying on any information for your situation.

Forward-looking statements and projections

The Website may contain forward-looking statements about markets, economic conditions, tax rules, retirement outcomes, life expectancy, and other future events. Forward-looking statements are not facts. They are based on assumptions and estimates that are subject to risks and uncertainties, including changes in legislation, interest rates, inflation, capital markets, and personal circumstances.

Any projections, illustrations, retirement income figures, or hypothetical examples shown on the Website — including those produced by calculators, planning tools, or interactive widgets — are for illustration only. They are based on inputs and assumptions that may not match your situation. Actual results will differ, often materially. Do not treat any projection as a promise, guarantee, or prediction of results.

Past performance

Where investment performance is referenced, past performance is not indicative of, and does not guarantee, future results. Investment returns will fluctuate, and you may receive less than you originally invested. Performance figures, where shown, are gross of fees unless otherwise noted; net returns will be lower after fees, taxes, and other costs.

Tax information

Tax information on the Website is general and based on Canadian federal and provincial tax rules in effect at the time of writing. Tax laws change. Specific situations vary. Always confirm tax treatment with a qualified tax professional before making decisions based on tax considerations described here.

Case studies and client stories

Case studies and client stories on the Website are composites based on common situations we encounter in practice. Names, identifying details, financial figures, and other facts have been changed or combined to protect privacy. Composites do not represent any specific client and are not a guarantee or prediction of results in any particular situation. Where individual client comments or testimonials are used, they reflect that person’s experience only and may not reflect the experience of others.

Third-party links and content

The Website may contain links to, or quotes from, third-party websites, articles, books, podcasts, or research. Inclusion of a link, citation, or quote is not an endorsement of the third party, its products, or its views. We do not verify, monitor, or take responsibility for third-party content, and accessing third-party sites is at your own risk.

Information accuracy

We make reasonable efforts to keep Website content accurate and current. However, content is provided “as is” without warranty. We do not guarantee the completeness, accuracy, timeliness, or fitness for any purpose of information on the Website. Rules, rates, and figures referenced in older articles may be out of date. Always confirm current rules and figures with a qualified professional before acting.

Mortgage services

Mortgage services, where offered by Odyssey Wealth representatives, are provided through licensed mortgage brokerages and are governed separately by their own regulatory regimes (including the Financial Services Regulatory Authority of Ontario, FSRA, in Ontario). Mortgage information on the Website is general and does not constitute a mortgage recommendation or commitment to lend.

Limitation of liability

To the maximum extent permitted by law, Odyssey Wealth Inc., its directors, officers, employees, contractors, and agents are not liable for any loss or damage of any kind arising from your use of, or reliance on, the Website or any of its content. You use the Website and its content at your own risk.

Complaints and concerns

For complaints relating to investment accounts, advice provided in a registered capacity, or DWM’s supervision of Odyssey Wealth representatives, contact DWM directly: designedwealthmanagement.ca/compliance.

For all other questions or concerns about the Website or its content, contact us at hello@odysseywealth.ca.

Updates

This Disclaimer may be updated from time to time. The “Last updated” date at the top reflects the most recent revision. Your continued use of the Website constitutes acceptance of the current Disclaimer.