Terms of Service

1. Acceptance and scope

These Terms of Service (“Terms”) govern your access to and use of the Wealth Navigator website at getwealthnavigator.com, including any contact, booking, or enquiry flow on the site, and any marketing services we provide to you (together, the “Services”). By using the website, contacting us through the site, or engaging our Services, you agree to these Terms.

Some Services are provided under a separate written order form, statement of work, master services agreement, or similar document (an “Order Form”). If an Order Form expressly conflicts with these Terms, the Order Form controls for that engagement only. If you do not agree to these Terms, do not use the website or the Services.

2. Who we are and what we do

Wealth Navigator (“Wealth Navigator,” “we,” “us,” or “our”) is a Canadian marketing-services provider based in Ontario. We help financial advisors, advisory practices, and wealth-management firms translate their expertise into online marketing systems, which may include content strategy, LinkedIn and social-media workflows, outbound lead generation, audience research, resource and landing-page support, analytics, and booking-flow support.

We may work with advisors, practices, and firms in Canada, the United States, and other jurisdictions where we agree to provide Services. When we do, we configure marketing workflows around the client’s stated jurisdiction, registration category, firm or dealer policies, platform rules, required disclosures, consent requirements, and approval process. That configuration is part of our marketing-operations support; it is not legal, regulatory, tax, investment, insurance, or compliance advice.

We are not an investment adviser, portfolio manager, investment dealer, mutual fund dealer, financial planner, legal adviser, tax adviser, accounting firm, or compliance supervisor. Nothing on our website or in our Services constitutes a recommendation, offer, or solicitation to buy, sell, hold, or recommend any security, product, investment strategy, tax strategy, legal structure, insurance product, or financial plan. See our Disclaimer for more.

3. No professional or advisor-client relationship

Using our website, submitting an enquiry, booking a call, or receiving marketing materials from us does not create a professional advisory relationship with Wealth Navigator. We do not become your financial advisor, investment advisor, tax advisor, lawyer, accountant, planner, fiduciary, dealer, portfolio manager, or compliance officer.

If we help an advisor or firm operate a marketing or booking flow, that support does not create an advisor-client relationship between any website visitor or prospect and that advisor or firm. Any such relationship, if it arises, is formed only directly between the prospect and the applicable advisor or firm, under their own onboarding, suitability, disclosure, and regulatory processes.

4. Eligibility and authority

The Services are intended for business professionals — primarily financial advisors, advisory practices, wealth-management firms, and related businesses. By using or engaging the Services for a business, firm, brand, or advisor, you confirm that you have authority to do so and that the information you provide to us is accurate, complete, and current.

5. Advisor responsibilities and regulatory compliance

You are responsible for your own professional, firm, dealer, regulator, and platform obligations in each state, province, territory, country, registration category, and platform where you operate or communicate. This includes obligations that may apply to advertising, sales communications, social media, electronic messages, client communications, record retention, privacy, anti-spam compliance, supervision, approvals, and claims about your services. You acknowledge and agree that:

• you are solely responsible for determining whether any content, campaign, message, landing page, resource, booking flow, or other material is permitted for your role, registration, firm, clients, prospects, and jurisdiction;
• you are solely responsible for reviewing and approving any communication that bears your name, firm, title, registration, likeness, voice, brand, or authority before it is published, sent, or used;
• you will not ask us to create, approve, publish, send, or assist with content that is false, misleading, deceptive, unlawful, non-compliant, or inconsistent with your firm’s policies;
• you remain responsible for supervision, books and records, archiving, disclosures, substantiation, consent records, unsubscribe handling, and any required pre-approval or post-use review; and
• you will promptly tell us about any restrictions, approval workflows, required disclosures, prohibited terms, platform rules, regulator guidance, or firm policies that affect the Services.

6. Client materials and approvals

You are responsible for the accuracy, lawfulness, and completeness of materials you give us, including credentials, biographies, firm descriptions, audience criteria, offers, service descriptions, disclosures, logos, images, recordings, client or prospect data, and any examples or claims you ask us to reference (“Client Materials”).

Unless an Order Form says otherwise, materials we prepare for you are drafts for your review. Your approval, instruction to publish, or failure to object within a review period we reasonably specify may be treated as approval to use the material for the applicable campaign or workflow. You must not approve any material unless you have completed the professional, firm, and regulatory review that applies to you.

7. Electronic messages and acceptable use

You agree to use the Services only for lawful business purposes. Without limiting that obligation, you agree not to use, or ask us to use, the website or Services to:

• violate any applicable law, regulation, or third-party right;
• send commercial electronic messages without the consents, identification, contact information, unsubscribe mechanism, and records required by applicable law;
• publish or send false, misleading, deceptive, unsubstantiated, or non-compliant claims;
• infringe intellectual-property, confidentiality, publicity, or privacy rights;
• upload, transmit, or request the use of malware, harmful code, or unlawful data;
• scrape, access, or automate any third-party platform in breach of its rules;
• circumvent security, rate limits, consent controls, or platform restrictions;
• harass, discriminate, impersonate, deceive, or target people unlawfully; or
• misrepresent your identity, authority, or affiliation.

8. Third-party platforms, links, and integrations

The Services may rely on third-party platforms, tools, and websites, including social networks, email providers, scheduling tools, analytics services, hosting providers, CRM systems, AI tools, and other vendors. We do not control those third parties and are not responsible for their availability, security, rules, review decisions, account actions, data practices, commercial terms, or changes.

Your use of a third-party service is governed by that third party’s own terms and policies. You are responsible for maintaining any accounts, permissions, access credentials, consents, platform approvals, and payment arrangements needed for us to perform the Services. We may refuse or pause work that would, in our judgment, create legal, regulatory, security, platform, or reputational risk.

9. Fees and payment

Fees, billing cadence, payment method, taxes, expenses, late-payment terms, cancellation rights, and any performance, bonus, or revenue-share economics are set out in the applicable Order Form. Unless an Order Form says otherwise, fees are payable in U.S. dollars (USD), are exclusive of applicable taxes, and are not contingent on any particular marketing result. We may support Canadian-dollar billing or localized currency conversion by separate written agreement.

If amounts are overdue, we may suspend work, withhold deliverables, or terminate the affected Services after reasonable notice, without limiting any other rights or remedies.

10. Intellectual property

The website and its content — including text, design, graphics, logos, the Wealth Navigator name and marks, and the underlying software — are owned by Wealth Navigator or its licensors and are protected by intellectual-property laws. You may not copy, reproduce, distribute, or create derivative works from our content without our prior written permission.

Client Materials remain yours. You grant us a non-exclusive, worldwide, royalty-free licence to use, copy, adapt, display, host, process, and distribute Client Materials as needed to provide the Services, operate approved workflows, and maintain reasonable business records.

Unless an Order Form says otherwise, once you have paid all amounts due for an engagement, you may use final deliverables we create specifically for you for your own business purposes. We retain ownership of our pre-existing materials, templates, frameworks, prompts, software, processes, know-how, reusable components, and general skills, including improvements to them.

11. Confidentiality and privacy

Each party may receive non-public business, technical, financial, client, prospect, strategy, credential, or operational information from the other party (“Confidential Information”). Each party agrees to use the other party’s Confidential Information only to perform or receive the Services, to protect it using reasonable care, and not to disclose it except to personnel, contractors, professional advisers, or service providers who need to know it and are bound by appropriate confidentiality obligations, or as required by law.

Confidential Information does not include information that is public through no breach of these Terms, already known without a confidentiality obligation, independently developed without use of the information, or lawfully received from a third party.

We handle personal information in accordance with our Privacy Policy. You are responsible for ensuring you have the rights, consents, notices, and legal basis needed to provide personal information to us or to instruct us to process it as part of the Services.

12. No guarantee of results

Marketing outcomes depend on many factors outside our control, including your market, reputation, offer, credentials, responsiveness, sales process, compliance review speed, audience quality, platform behaviour, economic conditions, and the choices of prospects. We do not guarantee any number of impressions, followers, leads, replies, meetings, clients, assets under management, revenue, profit, retention, conversion rate, return on investment, or other result.

Any examples, metrics, volumes, timelines, or campaign scenarios on our website or in our materials are illustrative only and are not a promise, projection, warranty, or guarantee.

13. Website information and availability

We aim to keep the website accurate and available, but website content may be incomplete, outdated, or unavailable from time to time. We may update, suspend, or remove any part of the website or Services at any time. Links to third-party websites are provided for convenience only and do not mean we endorse or control those websites.

14. Disclaimers

The website and Services are provided “as is” and “as available,” without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, and course of performance. We do not warrant that the website or Services will be uninterrupted, error-free, secure, compliant with your particular obligations, or accepted by any regulator, firm, platform, or third party.

15. Limitation of liability

To the fullest extent permitted by law, Wealth Navigator and its principals, employees, and contractors will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, business opportunity, goodwill, reputation, expected savings, clients, prospects, platform access, or regulatory standing, arising out of or relating to the website, Services, these Terms, or any Order Form, even if we were advised of the possibility of those damages.

To the fullest extent permitted by law, our total aggregate liability for all claims relating to the website, Services, these Terms, and any Order Form will not exceed the amounts you paid to us for the Services giving rise to the claim in the three months before the event giving rise to liability. Some jurisdictions do not allow certain exclusions or limitations, so some of these limits may not apply to you.

16. Indemnification

You agree to indemnify, defend, and hold harmless Wealth Navigator and its principals, employees, contractors, and service providers from and against any claims, losses, liabilities, damages, penalties, fines, costs, and expenses (including reasonable legal fees) arising out of or relating to:

• your breach of these Terms or an Order Form;
• your violation of any law, regulation, platform rule, or third-party right;
• Client Materials or instructions you provide to us;
• materials you approve, publish, send, or instruct us to publish or send;
• your professional, firm, regulatory, supervisory, or record-keeping obligations;
• your products, services, advice, client relationships, or prospect relationships; or
• your use of any lead, booking, prospect, or campaign output from the Services.

17. Suspension and termination

We may suspend or terminate access to the website or Services, in whole or in part, if you breach these Terms, fail to pay amounts when due, create legal, regulatory, platform, security, or reputational risk, fail to provide required approvals or access, or use the Services in a way we reasonably believe is unlawful, misleading, harmful, or non-compliant.

Engagement-specific renewal, cancellation, wind-down, and termination rights are governed by the applicable Order Form. Sections that by their nature should survive termination will survive, including sections on advisor responsibilities, client materials, fees owed, intellectual property, confidentiality, privacy, disclaimers, limitation of liability, indemnification, governing law, and any accrued rights or remedies.

18. Changes to these Terms

We may update these Terms from time to time. When we do, we will revise the “Last updated” date above. Updated Terms apply to website use immediately when posted and to ongoing Services as permitted by the applicable Order Form or law. Your continued use of the website or Services after an update constitutes acceptance of the revised Terms.

19. Governing law and disputes

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-laws principles. Subject to any dispute process in an applicable Order Form, you agree to the exclusive jurisdiction of the courts located in Ontario for any dispute arising out of or relating to these Terms, the website, or the Services.

20. General terms

You may not assign these Terms or an Order Form without our prior written consent. We may assign them as part of a merger, acquisition, financing, reorganisation, sale of assets, or by operation of law. If any provision is found unenforceable, the remaining provisions will remain in effect. Our failure to enforce a provision is not a waiver. These Terms, together with any applicable Order Form and policies linked from them, form the agreement between you and us for the Services they cover.

21. Contact us

Questions about these Terms can be sent to info@getwealthnavigator.com.