New Paragraph
Disclosure and Disclaimer
Disclaimer (Investment)
Mutual Funds and/or Approved Exempt Market products are offered through Investia Financial Services Inc. (“Investia”). Mutual Funds and Exempt Market Products are sold exclusively by Representatives who are licensed by provincial regulators and registered with Investia. Commissions, trailing commissions, management fees and other expenses may be associated with Mutual Fund/Exempt Market Product investments. Please read the Fund Fact or Prospectus carefully before investing. Mutual Fund and Exempt Market Product investments are not guaranteed, their values change frequently, and their past performance may not be repeated. Insurance products are provided through multiple insurance carriers. Segregated fund products are offered through
Investia Financial Services Inc. and/or multiple carriers. Subject to any applicable death benefit guarantee, any part of the premium or other amount that is allocated to a segregated fund, is invested at the risk of the policy owner and may increase or decrease in value according to the fluctuations in the market value of the assets of the segregated fund. Guaranteed Investment Certificates (GICs) are offered through Investia Financial Services Inc. and/or multiple carriers.
Forward-looking statements are based on our reasonable expectations and are not guaranteed. Diversification
does not assure a profit or protect against loss in declining markets. There is no guarantee that any objective or goal will be achieved. Past performance is not indicative of future results.
Advisor Disclosure (Insurances)
Licensing:
My name is Shabbir Safri and I am licensed as a life insurance agent in the Province of Ontario and Manitoba.
Companies I Represent:
I currently hold contracts with Manulife Financial, RBC Insurance, BMO Insurance, Equitable Life, Canada Life, Empire Life, Foresters, SSQ, Assumption Life, Sun Life Fin, 21st Century Travel Insurance, Travelance, GMS and Industrial Alliance. I am licensed in the province of Ontario and Manitoba. I am also capable to hold contracts with other insurance companies based on the need of my client.
Relationship with the companies I represent:
No insurance company holds an ownership interest in my business, nor do I hold an interest in any insurance company.
Compensation:
If you choose to purchase a product through me, I will be paid a sales commission by the company that provides the product you purchase. I may receive a renewal (or service) commission if you keep that policy in force. I may also be eligible for additional compensation, such as bonuses, or non-monetary benefits, such as travel incentives, depending on various factors such as the volume or persistency of business that I place during a given time period.
Conflict of Interest:
I take the potential of a conflict of interest seriously. I will notify you if there is a conflict of interest of which I become aware in regards to my recommendations to you. My overall recommendation will take into consideration, and will be based on my analysis of your financial security needs.
More information:
Should you require additional information about my qualifications or the nature of my business relationships, I would be pleased to assist you.
Privacy Practice:
I restrict access to your public information to those employees who have a need to know it. They need it to assist in completing your applications. Example; ordering medical tests for Paramedical companies requires information such as Date of Birth, Amount of Insurance Applied and Phone Numbers. To protect your information, I maintain electronic and procedural safeguards. I collect financial and health information about you in order to conduct business. Such uses are: to process requests for insurance products; to provide customer service and to process claims. Information I need to collect varies according to the products and services you request. It may include information from your applications and other forms and other transactions you've had with us. I treat the information collected about you in a confidential way. I do not disclose information about my clients or former clients to anyone, except as permitted or required by law. I do share this information with the insurance company(s) you are applying. You have the right to obtain access to all the information I have on you. To do so, write to me at the address below. If you have questions about this notice or wish more information about my privacy policies, please write to me at: Shabbir Safri 236 Drinkwater Road Brampton ON L6Y 5W5.
Banks, Credit Unions, Investment Dealers and Fund Companies may charge you transfer out fee. Please make sure you are ready to pay, before you authorize transfer.
And also pay attention to the Sales Charges payable to relinquishing institution like DSC (Differed Sales Charges) or LLC (Low Load Charges), before you authorize transfer.
