Terms of Service

1. Acceptance of Terms

By accessing and using the Five Ridge Financial Ltd. website at fiveridgefinancial.com ("the Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Site. We reserve the right to modify these Terms at any time. The effective date at the top of this page indicates when the Terms were last revised. Your continued use of the Site after any changes constitutes acceptance of the revised Terms.

2. About Five Ridge Financial

Five Ridge Financial Ltd. is a provincially licensed insurance agency operating in Alberta. We hold licenses for life insurance, accident and sickness insurance, and segregated funds through the Alberta Insurance Council. We operate as an Associate Managing General Agency (MGA), contracting with licensed insurance carriers to distribute their products. We are not registered as securities dealers, investment advisors, or portfolio managers under Canadian securities legislation. Nothing on this Site constitutes a recommendation to buy or sell securities. For securities advice, consult a registrant with the appropriate provincial securities commission.

3. Nature of Content

All content on this Site, including articles, guides, infographics, and resource pages, is provided for general educational and informational purposes only. It does not constitute financial, insurance, investment, tax, legal, or professional advice. Content may reference general planning strategies, product categories, or regulatory frameworks, but it is not tailored to any individual's specific circumstances. You should not rely on any content on this Site as a substitute for professional advice from a qualified professional, accountant, or lawyer who has reviewed your individual situation.

4. Online Tools and Calculators

The Site provides financial planning calculators and educational tools, including but not limited to the Life Insurance Calculator, Retirement Income Calculator, TFSA/RRSP Comparison, Debt Reduction Planner, CPP/OAS Estimator, Probate Fee Estimator, and Insurance Needs Analysis. These tools produce estimates based on the information you provide and simplified mathematical assumptions. They do not account for all variables that may affect your financial situation, including but not limited to changes in tax legislation, inflation variability, market performance, individual health underwriting, or changes to government benefit programs. Calculator results are for illustrative purposes only and should not be used as the sole basis for any financial decision.

5. Financial Snapshot

The Financial Snapshot is an intake questionnaire that collects personal and financial information for the purpose of preparing for a consultation. By submitting the Financial Snapshot, you consent to the collection and storage of that information as described in our Privacy Policy. Submission of the Financial Snapshot does not create a client-professional relationship, does not obligate you to purchase any product or service, and does not obligate Five Ridge Financial to provide any specific recommendation or service.

6. SMS and Text Message Communications

By opting in to receive SMS or text messages from Five Ridge Financial Ltd., you agree to the following terms. These terms apply in addition to our Privacy Policy, which governs how we collect, use, and protect your personal information including your phone number.

Use cases: We may send you text messages for the following purposes: appointment reminders and booking confirmations, follow-up communications related to your consultation or Financial Snapshot submission, service-related updates about your account or policy status, and responses to your inquiries submitted through our website or booking system.

Opt-out instructions: You may opt out of receiving SMS messages at any time by replying STOP to any message you receive from us. You will receive a single confirmation message after opting out, and no further messages will be sent unless you opt in again. You may also opt out by contacting us at contact@fiveridgefinancial.com or (403) 991-2046.

Customer support: For help with SMS communications, reply HELP to any message or contact Five Ridge Financial Ltd. at contact@fiveridgefinancial.com or (403) 991-2046.

Message and data rates: Standard message and data rates may apply depending on your mobile carrier and plan. Five Ridge Financial is not responsible for any charges incurred from your carrier for receiving text messages.

Carrier liability: Mobile carriers (including but not limited to Rogers, Bell, Telus, and their subsidiaries) are not liable for delayed or undelivered messages. Message delivery is subject to network availability and your device's ability to receive SMS.

Age restriction: You must be at least 18 years of age to opt in to SMS communications from Five Ridge Financial. By opting in, you confirm that you are 18 years of age or older.

Privacy: Your phone number and SMS consent are not sold, shared, or rented to third parties for marketing purposes. For full details on how we handle your mobile information, see our Privacy Policy, Sections 8 and 9.

7. No Client Relationship

Use of this Site, including submission of the Financial Snapshot or use of any calculator, does not establish a client-professional relationship between you and Five Ridge Financial Ltd. or any of its licensed professionals. A formal client relationship is established only through the completion of a signed engagement letter, proper Know Your Client (KYC) documentation, and a suitability assessment as required by applicable insurance regulations and industry standards.

8. Insurance Products and Segregated Funds

References to insurance products and segregated funds on this Site are general descriptions of product categories. Actual product features, availability, pricing, and suitability vary by carrier, jurisdiction, and individual circumstances. Segregated fund guarantees (maturity and death benefit guarantees) are provided by the issuing insurance company, not by Five Ridge Financial Ltd. These guarantees are subject to conditions, limitations, and fees as described in the applicable fund facts and information folder. Past performance of any segregated fund is not indicative of future results. All insurance applications are subject to underwriting approval by the issuing carrier.

9. Intellectual Property

All content on this Site, including text, graphics, logos, images, software, and the Five Ridge Financial brand identity, is the property of Five Ridge Financial Ltd. or its licensors and is protected by Canadian and international copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, publicly display, or create derivative works from any content on this Site without our prior written consent. Limited personal, non-commercial use (such as printing a single copy of a resource page for your own reference) is permitted.

10. Third-Party Links

This Site may contain links to third-party websites, including insurance carrier sites, government resources, and educational content. These links are provided for convenience and reference only. Five Ridge Financial does not endorse, control, or assume responsibility for the content, privacy practices, or availability of any third-party site. You access third-party sites at your own risk and subject to their own terms and policies.

11. Limitation of Liability

To the maximum extent permitted by applicable law, Five Ridge Financial Ltd., its directors, officers, employees, and contracted advisors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your access to or use of the Site, including but not limited to: errors, omissions, or inaccuracies in the content; decisions made based on calculator results or educational content; loss or damage resulting from unauthorized access to our systems; or any interruption or cessation of the Site's availability. This limitation applies regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise).

12. Indemnification

You agree to indemnify and hold harmless Five Ridge Financial Ltd. and its directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with your access to or use of the Site, your violation of these Terms, or your violation of any rights of another party.

13. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the Province of Alberta and the federal laws of Canada applicable therein, without regard to conflict of law principles. Any dispute arising from or relating to these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts of the Province of Alberta, sitting in the City of Calgary.

14. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

15. Contact

If you have questions about these Terms of Service, please contact us at:

Five Ridge Financial Ltd.
Email: contact@fiveridgefinancial.com
Phone: (403) 991-2046