Disclaimer

THE INFORMATION PROVIDED IN ON THIS WEBSITE IS PROVIDED IN ACCORDANCE WITH S. 8.25 OF NATIONAL INSTRUMENT 31-103 REGISTRATION REQUIREMENTS , EXEMPTIONS AND ONGOING REGISTRANT OBLIGATIONS AND IN ACCORDANCE WITH SECTION 34 OF THE SECURITIES ACT (ONTARIO) AND IS NOT TAILORED TO THE NEEDS OF THE USERS OF THIS WEBSITE.

Legal Advisory and Conditions of Use: This document (“Agreement”) sets out the terms and conditions governing access to and use of the website (“Website”) of Business Owner Retirement Planning, Inc. (“Business Owner Retirement Planning”), including all information, data, software, computer code, content and web pages contained in it (“Content”). Users of this Website (“Users”) are therefore required to read this Agreement carefully and, if you do not accept the terms and conditions set out in this Agreement, you should not use this Website and should leave it immediately.

The following are the terms and conditions of a legal agreement between you and Business Owner Retirement Planning. By viewing, accessing, downloading, experiencing or otherwise using this Website or any of the Content, you represent, knowing that Business Owner Retirement Planning is relying on such representation, that you have read and understood the terms and conditions of this Agreement and you confirm, in consideration of Business Owner Retirement Planning granting you access to this Website, that you have accepted and agreed to such terms and conditions. The Users further acknowledge that this Agreement may be entered in any proceeding involving Business Owner Retirement Planning and the Users as evidence of the parties’ intentions and agreement, and shall be proof of the User’s intentions relative to such Users’ use of this Website and/or its Content.

Investment Decisions: Material contained in or accessible through this Website is for information purposes only and is not tailored to the investment goals of any individual, corporation or other such entity and further is not intended to and does not constitute an offer to sell or a solicitation of an offer to buy securities in any jurisdiction, nor should it be used for the purpose of making investment decisions. While the information presented in this Website has been researched and is thought to be reasonable, in general, this information provided is information only and is not advise directed at any particular individual, corporation or entity and should not be viewed as such. You acknowledge and agree that Business Owner Retirement Planning and/or its agents are not in the business of investment advice and are not classified, or presenting themselves as experts but are only preliminary information providers. You should not rely on any opinion or other information set out in the Website or any website accessible through this Website when making business, financial, personal or other decisions. Business Owner Retirement Planning and its service providers do not endorse the opinions of any third party expressed on the Website or any website accessed through the Website. Business Owner Retirement Planning is subject to the securities laws of various jurisdictions. Information disclosed or provided by Business Owner Retirement Planning pursuant to the securities laws of those jurisdictions is not intended to be in any way qualified, amended, modified or supplemented by the information otherwise available in, through, or on this Website. Business Owner Retirement Planning does not assume any duty of disclosure beyond that which is required by applicable law.

Accuracy of Information: While any information and material contained in the Content are reasonably believed by Business Owner Retirement Planning to be accurate and complete in all material respects at the time of posting, and although Business Owner Retirement Planning makes reasonable efforts to ensure that all such information and material remain current, accurate and complete, Business Owner Retirement Planning accepts no liability, responsibility or obligation whatsoever to post, update, amend, review or remove such information, material or the Content or any portion thereof except as may be required by applicable law. You acknowledge that such facts, information and material may change quickly and without notice and that such changes will take time to be posted on the Website, if they are posted at all. Business Owner Retirement Planning may, at its sole discretion, post, delete and amend Content without notice.

Exclusion of Liability: Users are required to conduct their own investigations, analysis, due diligence, draw their own conclusions, and make their own decisions. Any areas concerning taxes or specific legal or technical situations should be referred to lawyers, accountants, consultants, realtors, or other professionals licensed, qualified or authorized to render such advice. None of the Content or information on this Website is or purports to be investment advice directed and any individual, corporation or entity and is merely general information. You acknowledge and agree that Business Owner Retirement Planning and/or its officers, agents, shareholders, servants, or employees do not assume and hereby disclaim any liability to any party for any loss or damage caused by the use of the information contained herein (or errors or omissions in the information contained herein) to make any investment decision, whether such errors or omissions result from negligence, accident or any other cause.

IN NO EVENT SHALL BUSINESS OWNER RETIREMENT PLANNING, OR ITS OFFICERS, AGENTS, SHAREHOLDERS, SERVANTS, OR EMPLOYEES BE LIABLE TO ANY USER FOR DAMAGES WHATSOEVER, AND HOWSOEVER CAUSED, INCLUDING WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, MORAL OR CONSEQUENTIAL DAMAGES, LOSS OF PROFITS, LOSS OF OPPORTUNITIES OR INFORMATION, ECONOMIC LOSS, OR FOR ANY LOSS OR EXPENSES ARISING IN CONNECTION WITH THIS WEBSITE OR THE CONTENT, WITH ANY SOFTWARE ALGORITHMS AVAILABLE THEREON NOR WITH ANY HYPERLINKED WEB SITE OR FOR USE THEREOF OR INABILITY TO USE BY INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF BUSINESS OWNER RETIREMENT PLANNING AND/OR ITS OFFICERS, AGENTS, SHAREHOLDERS, SERVANTS, OR EMPLOYEES ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES. INVESTING BEYOND AND/OR ITS AGENTS SPECIFICALLY DISCLAIM ANY GUARANTEES, INCLUDING, BUT NOT LIMITED TO, STATED OR IMPLIED POTENTIAL PROFITS OR RATES OF RETURN OR INVESTMENT TIMELINES.

Software algorithms made available and hyperlinks to other internet resources are used at your own risk. The content, accuracy, opinions expressed, and other links provided by these software algorithms and resources are not investigated, monitored, or endorsed by Business Owner Retirement Planning.

Copyright: All material on this Website is protected by copyright. This Agreement grants to you a limited license to view, access, download, experience and use the Website and the Content but conveys no ownership or proprietary interest of any kind therein Business Owner Retirement Planning grants to you a license to download one copy of materials published by Business Owner Retirement Planning on this Website on any single computer for your personal, non-commercial use only, provided that you do not remove or alter any copyright or other proprietary notices. Except as may be expressly authorized by Business Owner Retirement Planning, any reproduction, modification or distribution of the Website materials or Content is strictly prohibited. Except as otherwise noted, the logos, icons, graphics, designs, names, trade names, trademarks or service marks displayed on this Website belong to Business Owner Retirement Planning or other third parties and may not be used without Business Owner Retirement Planning’s written permission.

Submission of Information: Although Business Owner Retirement Planning will make reasonable efforts to maintain any information provided by Users or other parties in confidence, you agree that any information provided or sent to Business Owner Retirement Planning through this Website will not be considered to be private, confidential or proprietary and will not be accepted as such by Investing Beyond. By submitting information to Business Owner Retirement Planning through this Website, you agree that such information is provided by your full consent and is not private, confidential or proprietary and that subject to any applicable law, Business Owner Retirement Planning will be free to use such information as it sees fit or as may be required by law. You assign any copyrights in or to the contents of any information you send to Business Owner Retirement Planning and you waive any and all moral rights thereto. Business Owner Retirement Planning shall be at liberty to freely use, without payment of any compensation, any improvement, suggestion, invention or innovation you may send to Business Owner Retirement Planning.

Software Available on the Website: Software that is made available to download from the Website is the copyrighted work of Business Owner Retirement Planning or third party vendors. Your use of the software is governed by the terms of the end user license agreement that accompanies or is available with the software. You may not install or use the software unless you first agree to the terms and conditions of the license agreement.

Links to Third Party Websites Business Owner Retirement Planning does not control any third party website and is therefore not responsible for the content of any linked website, the functioning or availability of any such website, or any link contained in a linked website. Business Owner Retirement Planning provides such links only as a convenience and the inclusion of any link does not imply, confirm or signify any endorsement, investigation or verification by Business Owner Retirement Planning of the linked website or information contained therein and Business Owner Retirement Planning makes no warranty.

Governing Law: This Agreement shall be construed and governed by the laws of the Province of Alberta, Canada, and the federal laws of Canada applicable therein, and shall be deemed to be a contract made in Alberta. You agree that any dispute arising under this Agreement, or out of the Website, or out of the Agreement shall be litigated only in the Courts of the Province of Alberta and you attorn to the exclusive jurisdiction of the Courts of Alberta.

Amendment and Updating: Business Owner Retirement Planning may amend these terms and conditions from time to time without notice and at its sole discretion. By using this Website, you confirm and agree that you are bound by the most current terms and conditions of this Website and agree to periodically review this Agreement to determine the most current terms and conditions and, if the same are not acceptable, you agree to immediately cease using this Website.

THE INFORMATION PROVIDED IN ON THIS WEBSITE IS PROVIDED IN ACCORDANCE WITH S. 8.25 OF NATIONAL INSTRUMENT 31-103 REGISTRATION REQUIREMENTS , EXEMPTIONS AND ONGOING REGISTRANT OBLIGATIONS AND IN ACCORDANCE WITH SECTION 34 OF THE SECURITIES ACT (ONTARIO) AND IS NOT TAILORED TO THE NEEDS OF THE USERS OF THIS WEBSITE.