General Disclaimers
Primary Disclaimer:
- The information contained herein is for Ontario residents only and does not constitute an offer to sell or solicit sales in any other Canadian or Foreign Jurisdictions.
Mutual Funds and Global Educational Trust plans are available through Global Maxfin Investments Inc.
Insurance Products, Segregated Funds, HISA and GIC are available through MGA Canada Inc/ Finance Tax & Insurance Coordinator Inc (FTIC).
Financial Planning Service are available through Financial Services-Serguei Totrov.
Mortgage Products are available through Dominion Lending Centres. - Global Maxfin Investments Inc. (GMII) is related to Global RESP Corporation. Global Maxfin Investments Inc. and Global RESP Corporation are both 100% owned by a common shareholder.
- This publication contains opinions of the writer and may not reflect opinions of Global Maxfin Investments Inc. The information contained herein was obtained from sources believed to reliable, but no representation, or warranty, express or implied, is made by the writer or Global Maxfin Investments Inc. or any other person as to its accuracy, completeness or correctness. This publication is not an offer to sell or a solicitation of an offer to buy any of the securities. The securities discussed in this publication may not be eligible for sale in some jurisdictions. If you are not a Canadian resident, this report should not have been delivered to you. This publication is not meant to provide legal or account advice. As each situation is different you should consult your own professional advisors for advice based on your specific circumstances.
Dual-Licensing Disclaimer
Global Maxfin Investments Inc. is registered as a Mutual Fund Dealer with the Provincial Securities Commissions and as such our Associates are entitled to sell mutual funds and other approved securities as permitted under our registration. They may also be able to provide other services or products to you through their own business. As a member of the Mutual Fund Dealers Association of Canada ( MFDA) Global Maxfin Investments Inc. is obligated to disclose to you that you may be dealing with companies other than Global Maxfin Investments Inc. when purchasing services or products from your Associate (remuneration to your Associate may also come from various sources depending on the services or products purchased). For example, your Associate may offer any one or more of the following through a separate business, which would not be the responsibility of Global Maxfin Investments Inc.:
- Deposit Instruments: High Invest Savings Accounts and GICs;
- Financial planning services—including Fee-for service financial planning;
- Estate Planning;
- Tax Planning or Income Tax Preparation;
- Insurance: Life, Accident, Sickness, Disability, General.
Please be sure that you have a clear understanding of which company you are dealing with for each of your services and products. Your Associate would be happy to provide any clarification you require.
No Legal or Financial Advice
The information provided on this site is for information purposes only. Under no circumstances should you regard any information you read or access on this site as financial, accounting, legal, or tax advice. You should consult your financial advisor before acting on any information on this website.
Link Disclaimer
Link to Third Party Website, Financial Services – Serguei Totrov and Global Maxfin Investments Inc. do not make any representation that the information in any linked site is accurate and will not accept any responsibility or liability for any inaccuracies in the information not maintained by them, such as linked sites. Any opinion or advice expressed in a linked site should not be construed as the opinion or advice of Financial Services – Serguei Totrov or Global Maxfin Investments Inc.
By clicking on a third-party link, you will leave this website. Privacy and security policies may differ from those practiced by Financial Services – Serguei Totrov or Global Maxfin Investments Inc.
Mutual Funds
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.
Opinion/Market Commentary Disclaimer
This material contains opinions of the writer and may not reflect opinions of Global Maxfin Investments Inc. The information contained herein was obtained from sources believed to be reliable, but no representation, or warranty, express or implied, is made by writer, or Global Maxfin Investments Inc. or any other person as to its accuracy, completeness or correctness. This website is not an offer to sell or a solicitation of an offer to buy any of the securities.
Borrowed Money (Leverage) Disclaimers
Generally, it is not allowed practice to advertise leveraged strategy to general public. However, advertising RRSP loan as part of taxation strategy is permissible. Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchases declines.
Calculators & Rate of Return Disclaimer Calculator
This calculator is for illustrative purposes only and should not be relied upon as an accurate indication of your financial retirement needs. As each individual’s situation is different and changes over time, the results are limited by the accuracy of the assumptions you make in providing the information used in the calculation. I (we) do not guarantee that this calculator is reliable, accurate or complete or that it will be compatible with your computer.
Illustration Disclaimer
The rate of return or mathematical table shown] is used only to illustrate the effects of the compound growth rate and is not intended to reflect future values of the mutual fund or returns on investments in the mutual fund.
Suitability
This material is not be construed as an offer or solicitation. The products mentioned may not necessarily be considered suitable investments for all clients. As each situation is different, you should seek advice based on your specific circumstance.
E-mail Disclaimer
E-mail over the internet is not a secure medium and privacy cannot be guaranteed. Serguei Totrov and GMII cannot accept any responsibility for any harm or damage incurred as a result of sending personal or confidential information to Serguei Totrov or GMII over the internet, or if information is sent over the internet at your request.
Confidentiality
The Internet is not a secure medium and privacy cannot be assured. E-mail is vulnerable to interception and forging. Financial Services – Serguei Totrov and Global Maxfin Investment Inc. cannot ensure the privacy of any information or instructions you send to us or that we send to you over the Internet. Financial Services – Serguei Totrov and Global Maxfin Investment Inc. will not be responsible for any damages you may incur if you communicate confidential information to us over the Internet or if we communicate such information to you at your request.
Warranty Disclaimer
Financial Services – Serguei Totrov and Global Maxfin Investment Inc. does not warrant the accuracy, completeness, quality, adequacy or content of any information or tool on the website nor does it make any warranty as to the results that may be obtained from the use of the service.
The website and content are provided “as is” without warranty or condition of any kind. Financial Services – Serguei Totrov and Global Maxfin Investment Inc. does not warrant that this site or any sites, to which this site is linked, and any information, or other material downloaded from this site, or linked sites are uninterrupted, error-free, or free of viruses, defects or other harmful components.
No Solicitation
Nothing on this website constitutes a solicitation or offer by Financial Services – Serguei Totrov and Global Maxfin Investments Inc. to buy or sell products or services of any kind whatsoever.
Accuracy and Changes
The information presented on this site is provided as a general source of information, and is not guaranteed to be current, accurate, or complete, and is subject to change without notice.
Limitation of Liability
Financial Services – Serguei Totrov and Global Maxfin Investment Inc. will not be responsible or liable for any direct, indirect, special, incidental, or consequential damages, or any other damages whatsoever, including, without limitation, lost revenues, lost profits or loss of prospective economic advantage, resulting from the use or misuse of this website, or the information or documents thereof, even if advised of the possibility of such damages or such damages are reasonably foreseeable.
Segregated Funds
Subject to any applicable death and maturity guarantee, and part of the premium or other amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value according to fluctuations in the market value of the assets in the segregated fund.
Foreign Language Disclaimer
The official text is the English version of the website. Any discrepancies or differences created in the translation are not binding and have no legal effect for compliance or enforcement purposes. If any questions arise related to the accuracy of the information contained in the translated website, please refer to the English version of the website which is the official version.