Terms of Use
Last Updated: June 16, 2025
Acceptance of Terms
By accessing and using this website (sandersgraszoden.com), you accept and agree to be bound by the terms and provisions of this agreement. These Terms of Use constitute a legally binding agreement between you and Retirement Wealth Optimizer. If you do not agree to abide by these terms, please do not use this service. Your continued use of the website following any changes to these terms constitutes acceptance of those changes.
Educational and Informational Purpose
This website provides educational information about retirement savings, financial planning, Tax-Free Savings Accounts (TFSA), and related financial products for informational and educational purposes only. The content is not intended as personalized financial, investment, tax, or legal advice and should not be relied upon as such. All information is provided "as is" without any warranty of accuracy, completeness, or timeliness. Market conditions, interest rates, and financial regulations change frequently, and information may become outdated without notice.
No Financial Advisory Services
We are not licensed financial advisors, investment professionals, certified financial planners, or tax experts. We do not provide personalized financial advice, investment recommendations, or tax planning services. All information provided is for educational purposes only and should not be considered as a substitute for professional financial advice. You should consult with qualified, licensed professionals before making any financial, investment, or tax-related decisions. We strongly recommend seeking independent professional advice tailored to your specific financial situation and goals.
Investment Risks and Disclaimers
All investments carry risk, including the potential loss of principal. Past performance does not guarantee future results. Investment returns and principal value will fluctuate, and you may have a gain or loss when you sell your investments. Interest rates, market conditions, and government policies affecting retirement savings and TFSA regulations can change without notice. The information provided about specific financial products, interest rates, or investment strategies should not be considered as recommendations or endorsements. Always read prospectuses, terms and conditions, and seek professional advice before making investment decisions.
Third-Party Links and Partnerships
Our website contains links to third-party websites, financial institutions, and external resources. These links are provided for convenience and informational purposes only. We do not endorse, control, monitor, or assume responsibility for the content, services, privacy practices, or business practices of these external sites. We may receive compensation from some of the companies or services we link to, including banks, investment firms, and financial service providers. This compensation may influence which products or services we feature, but it does not affect our editorial integrity or the accuracy of our educational content.
Affiliate Relationships and Compensation
We may participate in affiliate marketing programs and maintain business relationships with financial institutions, investment companies, and service providers mentioned on our website. We may receive commissions, referral fees, or other compensation when you click on certain links or sign up for services through our website. These affiliate relationships help support our website operations and allow us to provide free educational content. However, our editorial content and educational materials are not influenced by these commercial relationships, and we strive to provide objective, accurate information regardless of potential compensation.
User Conduct and Website Use
You may use this website for lawful purposes only and in accordance with these Terms of Use. You agree not to use the website in any way that could damage, disable, overburden, or impair our servers or networks, or interfere with any other party's use of the website. Prohibited activities include but are not limited to: transmitting spam, viruses, or malicious code; attempting to gain unauthorized access to our systems; scraping or harvesting content for commercial purposes; posting false or misleading information; and violating any applicable laws or regulations. We reserve the right to terminate access for users who violate these terms.
Lead Generation and Contact Forms
When you submit information through our contact forms, request consultations, or express interest in financial services, you consent to being contacted by us and our authorized partners regarding retirement planning services, investment opportunities, and related financial products. This contact may be made via phone, email, text message, or mail, even if your number is listed on the National Do Not Call List. You acknowledge that submitting a form does not create a client-advisor relationship and that no confidential or fiduciary relationship exists until formal agreements are executed with licensed professionals.
Privacy and Data Collection
Your use of this website is subject to our Privacy Policy, which is incorporated by reference into these Terms of Use. We collect and use information as described in our Privacy Policy, including through cookies, analytics tools, and third-party advertising technologies. By using our website, you consent to the collection, use, and sharing of your information as described in our Privacy Policy. You also consent to receiving targeted advertising based on your interests and website behavior.
Intellectual Property Rights
The content, design, graphics, images, logos, and functionality of this website are protected by copyright, trademark, and other intellectual property laws. All content is owned by or licensed to Retirement Wealth Optimizer. You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content without our express written permission. You may print or download content for personal, non-commercial use only, provided you maintain all copyright and proprietary notices. Unauthorized use may violate copyright, trademark, and other applicable laws.
Accuracy of Information and Updates
While we strive to provide accurate and up-to-date information, we make no warranties about the completeness, accuracy, or reliability of any information on this website. Financial regulations, interest rates, contribution limits, and tax laws change frequently, and information may become outdated without notice. We reserve the right to modify, update, or remove content at any time without prior notice. Users are responsible for verifying information independently and consulting with current sources before making financial decisions. We are not liable for any decisions made based on information found on this website.
Limitation of Liability and Damages
To the fullest extent permitted by law, Retirement Wealth Optimizer, its owners, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of this website, reliance on any information provided herein, or inability to use the website. This includes but is not limited to damages for lost profits, lost data, financial losses, or business interruption, even if we have been advised of the possibility of such damages. Our total liability to you for any claims arising from your use of the website shall not exceed $100 CAD.
Indemnification
You agree to indemnify, defend, and hold harmless Retirement Wealth Optimizer, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including attorney's fees) arising from your use of the website, your violation of these Terms of Use, or your violation of any rights of another party. This indemnification obligation will survive termination of these Terms of Use and your use of the website.
Canadian Jurisdiction and Governing Law
These Terms of Use are governed by and construed in accordance with the laws of Canada and the province of Ontario, without regard to conflict of law principles. Any disputes arising from these terms or your use of this website will be subject to the exclusive jurisdiction of the courts located in Ontario, Canada. You consent to personal jurisdiction in these courts and waive any objection to venue. If any provision of these terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
Age Restrictions and Capacity
This website is intended for use by individuals who are at least 18 years of age and have the legal capacity to enter into binding agreements. If you are under 18 years of age, you may not use this website without parental or guardian supervision and consent. By using this website, you represent and warrant that you meet these age requirements and have the legal authority to agree to these terms.
Termination and Suspension
We reserve the right to terminate or suspend your access to this website at any time, with or without cause, and with or without notice. Reasons for termination may include violation of these Terms of Use, fraudulent activity, or any conduct we deem harmful to our business or other users. Upon termination, your right to use the website will cease immediately, but the provisions regarding intellectual property, limitation of liability, indemnification, and governing law will survive termination.
Changes to Terms and Conditions
We reserve the right to modify, update, or replace these Terms of Use at any time without prior notice. Changes will be effective immediately upon posting on this page with a new revision date. We may also notify users of material changes via email or website notice. It is your responsibility to review these terms periodically for changes. Your continued use of the website after any modifications constitutes acceptance of the updated terms. If you do not agree to the modified terms, you must discontinue use of the website.
Contact Information for Legal Matters
For questions regarding these Terms of Use, legal notices, or to report violations, please contact us at [email protected] or send written correspondence to our registered address. We will respond to legal inquiries within a reasonable time frame. All formal legal notices must be sent in writing and will be considered received when delivered to our designated contact information.