Disclosures

General Disclaimer

The information provided on this website is for general informational purposes only and does not constitute financial, investment, tax, legal, or other professional advice. Legend Financial Services Ltd. makes no representations or warranties regarding the accuracy, completeness, or suitability of the information presented.

Any financial strategies, projections, or examples discussed on this website are for illustrative purposes only and should not be relied upon as a guarantee of future results. Past performance is not indicative of future returns.

Investment Risk Disclosure

Investing involves risk, including the possible loss of principal. There is no guarantee that any investment strategy will achieve its objectives. The value of investments may fluctuate and investors may receive back less than they originally invested.

Different types of investments involve varying degrees of risk. Before making any investment decisions, you should carefully consider your investment objectives, risk tolerance, time horizon, and financial situation. We recommend consulting with a qualified financial advisor.

Insurance Products

Insurance products and services are offered through Legend Financial Services Ltd. The availability of products may vary by province. Insurance products are underwritten by their respective insurance companies. Legend Financial Services Ltd. acts as an intermediary and does not underwrite insurance policies.

Calculator & Tool Disclaimers

The financial calculators and tools provided on this website, including the Investment Calculator and TFSA Contribution Calculator, are intended for educational and illustrative purposes only. Results generated by these tools:

• Are based on hypothetical assumptions and the inputs you provide
• Do not account for all factors that may affect actual investment performance, including fees, taxes, inflation, or market volatility
• Should not be relied upon as financial advice or a guarantee of future performance
• May differ from actual results due to rounding, timing of contributions, or other variables

TFSA contribution room calculations are based on published CRA annual limits and should be verified with the Canada Revenue Agency or your Notice of Assessment for the most accurate figures.

Regulatory Information

Legend Financial Services Ltd. is a financial advisory firm operating in Alberta, Canada. Our advisors are licensed and regulated in accordance with applicable provincial regulations.

For information about the regulatory status of a financial advisor, consumers can contact:

• Alberta Securities Commission (ASC): albertasecurities.com
• Canadian Investment Regulatory Organization (CIRO): ciro.ca
• Canadian Investor Protection Fund (CIPF): cipf.ca

Conflicts of Interest

Legend Financial Services Ltd. is committed to transparency regarding potential conflicts of interest. Our advisors may receive commissions or other compensation from insurance companies and financial product providers when clients purchase products through our firm. We disclose all material conflicts of interest to clients as part of our relationship disclosure process.

Complaint Handling

If you have a complaint about our services, we encourage you to contact us directly. We will acknowledge your complaint promptly and work to resolve it in a fair and timely manner.

If you are not satisfied with our response, you may escalate your complaint to the appropriate regulatory body or ombudservice.

Tax Disclaimer

The information on this website does not constitute tax advice. Tax laws are complex and subject to change. The tax implications of any financial decision depend on your individual circumstances. We recommend consulting with a qualified tax professional for advice specific to your situation.

Contact Us

If you have questions about these disclosures, please contact us: