Terms of Use

These terms pertain to all as paid subscription services at fortrusfinancial.com and fortrus.ca as well as to free public access of said website where applicable. By accessing and using the Fortrus Financial service, the information on this Web site (the “Site”) or Electronic Communication, you are agreeing to be bound by these terms of use, conditions and disclaimer (“Terms of Use”) and all applicable laws and regulations. If you do not agree with any part of these Terms of Use, you must immediately discontinue any use of the Site. These Terms of Use may change from time to time without notice and it is your responsibility to check for updates. By using this site you are agreeing to be bound by the, then current version of these Terms of Use. The last revision date for these Terms of Use is set forth below. This document shall operate as a legal agreement between Fortrus Financial Inc. and the member.

We at Fortrus Financial encourage feedback, comments and ideas from Fortrus Financial visitors. Our goal is to build a strong community which requires many of our readers to add your perspective to any issue by leaving your comments on the site.

To make sure users get the most out of the site’s comments function, we’ve provided a few guidelines:

  • Do not post threatening, harassing, defamatory, or libelous material.
  • Do not intentionally make false or misleading statements.
  • Do not offer to sell or buy any product or service on the Fortrus website.
  • Do not post material that infringes copyright.
  • Do not post information that you know to be confidential or sensitive or otherwise in breach of the law.
  • Fortrus Financial will not accept responsibility for information posted in the comments.

Please note that we reserve the right to delete or edit all comments. As well, we may close posts to further comments at our discretion. If a user repeatedly abuses our comment policy, we may also revoke that user’s access to our comments section.

By commenting on Fortrus Financial, you agree that you retain all ownership rights in what you post on the site, and that you will relieve us from any and all liability that may result from those postings.

Special Note for Parents

Fortrus Financial does not sell products or services for purchase by children. We are advocates of financial education for children, however we restrict the purchase of Fortrus services to those under the age of 18. All paid services must be done by a legal parent or guardian, who assumes responsibility to ensure that the content is fully understood by the child.

How can you ask questions about our Privacy Policy and access your personal information?

The provision of information by you is entirely voluntary and you have the right not to provide information. Subject to applicable law, you may have the right to receive certain information as to whether or not personal information relating to you is held by Fortrus Financial and to obtain a copy of such information that is sought. You may also have the right to require information, where appropriate, to be erased, blocked or made anonymous or to have data updated or corrected. If you do not wish Fortrus Financial to hold information about you or if you wish to have access to information, modify information, or object to any processing of information or if you have questions please contact us. We respect your privacy and do not sell or provide any of your information to any other sources.

If you do not want to receive promotional offers, please notify Fortrus Financial by sending an email to privacy@fortrusfinancial.com.

Legal Notices and Disclaimers

The contents of this web site and our publications are based upon sources of information believed to be reliable, but no warranty or representation, expressed or implied, is given as to their accuracy or completeness. Any opinion reflects Fortrus Financial Inc’s judgment at the date of publication and neither the Fortrus Financial, nor any of its publications, nor any of its affiliated companies, nor any of their officers, directors or employees, accepts any responsibility in respect of the information or recommendations contained in the publications or on this web site. Moreover, the information or recommendations are subject to change without notice.

Information presented on this web site or contained in our publications is not an offer, nor a solicitation, to buy or sell any securities referred to on the web site or in the publications. The material is general information intended for recipients who understand the risks associated with an investment in any securities referred to in the publications or on this web site. Fortrus Financial has made no determination regarding whether an investment, course of action, or associated risks are suitable for the recipient.

Fortrus Financial Inc, its employees, directors, officers or affiliated companies may own securities discussed in its publication and website. We will disclose with clarity any positions we own that is discussed in any of our publications. We will not front run any positions recommended and will advise our paid customer services of our selling recommendation 4 hours prior to Fortrus Financial, it’s officers, directors or employees able to buy or sell their position.

Our recommendations are not put forward as personal advice. Our recommended portfolios will be created with no conflicts of interest and total transparency. We complete effective due diligence in all recommendations. Please complete your own due diligence to determine if our recommendations are suitable for you or utilize a financial advisor to determine appropriateness.

Many investments have risk and you and/or your financial advisor should determine if the investments Fortrus Financial recommends is appropriate for your situation. We do not provide personal advice. Past performance of our portfolios does not guarantee future returns. The material provided by Fortrus Financial Inc. is for general informational purposes only. This information is not intended as investment advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security or fund. The opinions and analyses included in the information are based from sources believed to be reliable and written in good faith, but no representation or warranty, expressed or implied is made as to their accuracy, completeness or correctness. We cannot and do not assess or guarantee the suitability or profitability of any particular investment, or the potential value of any investment or informational source. You bear responsibility for your own investment research and decisions, and should seek the advice of a qualified securities professional before making any investment. You may lose part or all of your investment, and if you engage in margin transactions you loss may exceed the amount invested. Further, performance in the past is no guarantee of that in the future, and member understands that some results on the Web site or Electronic Communications are the results of back-testing, and as such are merely hypothetical.

Fortrus Financial is not paid by any source to publish this information, and receives no compensation of any kind for making any stock or fund recommendation. We never have and we never will. We take pride in our independence, full transparency and no conflicts of interest.

Disclaimer of Liability
Fortrus Financial, its employees, directors, agents, the content Providers and any other parties involved in the creation, production or delivery or marketing of the Site or the Information disclaim any responsibility and shall not, in any event, be liable for any damages, claims, liabilities, costs or obligations including any indirect, punitive, special incidental or consequential damages, including without limitation loss of use, loss of date, loss of business profits, loss of opportunity, business interruption, personal injury or any other pecuniary loss (collectively the “Damages”) whatsoever and howsoever caused, arising out of or in connection with the use or misuse of the Site or the Information or with the delay or inability to use the Site or the Information, whether such Damages arise in contract, tort, strict liability, negligence, equity or statute law or by way of any other legal theory, even if Fortrus Financial has been advised of the possibility of damages. Fortrus Financials liability shall be strictly limited to those monies paid-to-date by the member.

Fortrus Financial disclaims any liability for unauthorized use or reproduction of any portion of the Information on the Site.

Content/Reserved Rights
Fortrus Financial Inc. either own the intellectual property rights, or has acquired the necessary permissions from content providers or suppliers, in all of the content, information, software, products and service on this Site and in Electronic Communications transmitted to members from time to time, including all text, HTML code, multimedia clips, images, graphics, icons, Java code and the selection and arrangement of the contents (collectively the “Information”).

Restriction on Use/Limited License – Individual Members
Fortrus Financial grants you a limited non-exclusive, no transferable license to use, display on your computer, download and print short extracts of the Information for your own personal and non-commercial purposes only, provided that:

  • You do not modify and of the information
  • You cannot download any of the Information for use in third party programs
  • All copyright and other proprietary notices are retained
  • You abide by these Terms of Use
  • You do not make the information available to third parties

No other use of the information is permitted. Without limiting the generality of the foregoing, you may not:

  • Copy, distribute, transmit, display, perform, reproduce, publish, license, sub-license, create derivative works from transfer or sell any of the information.
  • Use any of the information for any commercial purpose, or for any public display (commercial or non-commercial).
  • Include any of the Information or reference thereto in or with any information, product or service that you create, distribute or provide.
  • Copy or transfer any of the Information onto your own Website or server without permission.

Fortrus Financial retains the right to terminate at any time, and without cause, subscription or access to our services.

No Financial Advice
The Information is provided for informational purposes only. The Information is not intended to be and does not constitute financial advice or any other advice. The Information is general in nature and is not specific to you. You should not make any decision, financial or otherwise, based on any of the Information without undertaking your own due diligence. You agree that any and all use of the Information, which you make, is solely at your own risk and without recourse to Fortrus Financial Inc. or the content Providers. Further, you acknowledge that you understand that Fortrus Financial is not a licensed Financial Analyst, Financial Advisor, Financial Bank, Securities Broker, Dealer nor Financial Planner.

No Warranties
Fortrus Financial does not guarantee or warrant the quality, accuracy, completeness, timeliness, appropriateness or suitability of the Information or any product or service referenced on the Site. Fortrus Financial assumes no obligation to update the Information or advice on further developments concerning topics mentioned. The Site and the Information may be changed from time to time without notice. The Site may be temporarily unavailable from time to time due to required maintenance, telecommunications interruptions, or other disruptions.

FORTRUS FINANCIAL IS PROVIDING THIS SITE AND THE INFORMATION ON AN “AS IS” BASIS AND MAKES NO REPRESENTATION OR WARRANTIES ON ANY KIND WHATSOEVER WITH RESPECT TO THE SITE OR THE INFORMATION OR WITH RESPECT TO THE USE OR SUITABILITY OF THE SITE OR THE INFORMATION FOR ANY PURPOSE. THE INFORMATION MAY CONTAIN INACCURACIES, TYPOGRAPHICAL ERRORS OR OTHER ERRORS.
Fortrus Financial disclaims all warranties, representation and conditions regarding the Site and the Information, including, without limiting the generality of the foregoing, all implied warranties and conditions of merchantability, suitable for a particular purpose, title, non-infringement, freedom from libelous or privacy-invasive content, freedom from infections of viruses and availability, whether expressed or implied, or arising from a course of dealing, usage or trade practice.

Electronic Communications
It is the sole responsibility of the member to provide Fortrus Financial with an accurate and current e-mail address, and keep member profit updated. Member understands that Fortrus Financial will communicate with Member at its own discretion, and that it has no obligation to do otherwise. In the event that Fortrus Financial communicates with Member it makes no representations, and strictly disclaims any responsibility that said communication will be actually received by Member.

Links
This Site may contain links to other internet sites. Such links are provided for reference only and were independently developed by parties other than Fortrus Financial. Fortrus Financial is not responsible for the contents of any such linked sites and does not assume any responsibility for the accuracy or appropriateness of the information contained at such sites. The inclusion of any link does not imply endorsement by Fortrus Financial of the site. Use of any such linked site is at the user’s own risk.

No Endorsement
Reference to any third party information, product, process or services at this Site or any linked site is not an expressed or implied endorsement by Fortrus Financial.

Subscription Based Content
Some contents and/or services on this Site may be offered to you conditional on your payment of subscription fees. If you elect to purchase subscription based content/services and transmit to Fortrus Financial a subscription purchase request, you warrant that all information that you submit is true and accurate, including without limitation your credit card number and expiration date; and you agree to pay all subscription fees you incur. You agree that these Terms of Use will apply to your subscription. You also agree to be bound by any additional terms of use, conditions and disclaimers that may be required by Fortrus Financial or any content Providers from time to time. This Site may be temporarily unavailable from time to time due to required maintenance, telecommunications interruptions, or other disruptions. Although Fortrus Financial makes every reasonable effort to minimize such downtime, Fortrus Financial does not guarantee 100% availability of the Site.
Your subscription is personal to you and the members of your household, and you may not transfer or make available your account ID and password to others, including without limitation your co-workers. Any distribution by you of your account ID and password may result in cancellation of your subscription without refund and additional charges based on unauthorized use.

No Solicitation
No part of this Site should be taken to constitute an offer or solicitation to buy or sell products or services. Some products or services mentioned on this Site may only be available in certain areas or jurisdictions. Any products or services mentioned on this Site may only be available in certain areas of jurisdictions. Any products or services mentioned on this Site are made available in accordance with local laws and only where they may be lawfully offered for sale.

Confidentiality Warning
Absent the use of encryption, the internet is not a secured medium and privacy cannot be ensured. Internet e-mail is vulnerable to interception and forging. Fortrus Financial will not be responsible for any damages you or any third party may suffer as a result of the transmission of confidential information that you may make to Fortrus Financial through the internet, or that you expressly or implicitly authorize Fortrus Financial to make, or for any errors or any changes made to any transmitted information.

Computer Viruses
While efforts are made to ensure that the Information provided at this Site does not contain computer viruses, you should take reasonable and appropriate precautions to scam for computer viruses and should ensure that you have a complete and current backup of the applicable items of information contained on your computer system.

Conformance with Law
You agree that your use of the Site will not violate any applicable Provincial or Federal or International law, including but not limited to any regulation having the force of law. Some jurisdictions may have restriction on the use of eh Internet by their residents. You agree not to impersonate any person in your use of the Site or the sending of any e-mail to an address listed on the Site.

Severability
If any provision of these Terms of Use is determined to be invalid or unenforceable, the provision will be enforced to the maximum extent permissible and the remaining provisions of these Terms of Use will still be valid.

Governing Law
The laws of the Province of Ontario will govern as to the interpretation, validity and effect of these Terms of Use and as to any dispute or claim based on your use of the Site or the Information, notwithstanding any conflict of law’s provisions of your domicile, residence or physical location.

Legal Forum
Any dispute between the parties that results in litigation shall be exclusively heard in the Courts sitting in Toronto, Ontario, Canada.
If you have any questions or concerns, please contact us by e-mail at support@fortrusfinancial.com.

Terms of Sale

You must be 18 years of age to purchase a paid Fortrus subscription. On all purchases of Fortrus Financial services, either the “Fortrus Strategic Asset Allocation”; the “Fortrus Monthly Report & Portfolio”; or the “Fortrus Investment Strategies Coaching Platform”, there is a 100% money backed guarantee for the first 30 days. Any bonuses that you receive will be yours to keep at no cost. Any cancellation requests should be made tocustomerservice@fortrusfinancial.com. We value your business and do everything we can to earn your respect and trust that Fortrus is committed to helping all investors.

Here is what I get with the Fortrus individual subscriptions Monthly or Annual plan:

    • Immediate access to the Fortrus subscription purchased being either the “Fortrus Strategic Asset Allocation”; the “Fortrus Monthly Report & Portfolio”; or the “Fortrus Investment Strategies Coaching Platform” and other subscriber-only resources of the Web site and Phone services. Each product has different features as described on their respective subscription page and are subject to change.
    • Informative Monthly Updates, as well as periodic updates when required
    • Archived reports, teleconferences and videos on the Fortrus Financial Site for all training and educational modules.
    • Automatic subscription renewal and billing at the end of the subscription period, unless I cancel
    • Unconditional 30-day money back guarantee. If I am not satisfied for any reason during the first 30 days, Fortrus Financial will be pleased to issue a full refund
    • Comfort in knowing that I can depend on an unemotional Model to keep me on the right side of the market, with no conflicts of interest and total transparency

Payment/Automatic Renewal
You agree to be charged at the time of subscription based on the type of plan you have selected. Your subscription will be renewed automatically and billed to your credit card at the beginning of each subscription period until you cancel the service. You may cancel at any time by following the procedure described in our Refund/Cancellation Policy below. The monthly subscription, if applicable, plans are renewed on 30-day intervals and the yearly ones on 365 day intervals.

Currency

All funds are Canadian dollars (CDN)

Refund/Cancellation Policy
Our service comes with an unconditional 30-day money back guarantee for first time subscribers. If you are not satisfied for any reason in the first 30 days, we will be glad to issue a refund. Simply e-mail us at customerservice@fortrusfinancial.com to notify us of your refund request (please specify your User ID in the message).
Please be aware that in order to prevent abuse of our refund policy, our 30-day money back guarantee is only applicable to customers subscribing for the first time only.
Once the 30-day money back guarantee period is over, there is no refund. You can cancel at any time by sending a cancellation request to customerservice@fortrusfinancial.com (please specify your User ID in the message). Upon notification of cancellation, Fortrus Financial will immediately stop charging your credit card and no additional charges will occur. Your subscription will remain active until the end of the period already paid for.
IT IS YOUR RESPONSIBILITY TO INITIATE THE REFUND/CANCELLATION REQUEST AND TO FOLLOW-UP IF IT IS NOT ACKNOWLEDGED.