These Terms and Conditions (“Terms”) govern your access to and use of the AdvisorAdvisory platform at https://advisoradvisory.com (the “Site”) operated by Advisor Advisory Inc., a federally incorporated Canadian company (“Advisor Advisory”, “we”, “us” or “our”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use our services.
Advisor Advisory provides an online directory and information platform to help clients identify, compare and contact licensed investment advisors in Canada. Clients can search for advisors, view profiles, read and leave reviews, and contact advisors through web forms. Advisors can create and manage profiles and may subscribe to premium features. We may display advertisements or sponsored content. Advisor Advisory is not a financial advisor, broker or agent. We do not provide investment advice, we do not verify or guarantee the accuracy of advisor information and we do not participate in or facilitate financial transactions between clients and advisors.
1. Eligibility. You must be at least the age of majority in your province or country of residence to use the Services. By registering, you represent that you have legal capacity to enter into these Terms.
2. Advisor eligibility. Advisors must hold all required licences and registrations to provide investment advisory services in their jurisdiction. You represent that information provided is accurate, complete and not misleading. You agree to update your profile promptly if your licence status changes.
3. Account creation. To post reviews or create an advisor profile, you must create an account. You agree to provide accurate and complete information and to keep your login credentials confidential. You are responsible for activities that occur under your account.
4. Account security. Notify us immediately of any unauthorized use of your account. We reserve the right to suspend or terminate accounts that we believe may compromise the security or integrity of the Services.
1. Permitted use. Subject to these Terms, Advisor Advisory grants you a limited, nonexclusive, nontransferable, revocable licence to access and use the Services for your personal or professional purposes (e.g., to connect with clients or advisors).
2. User responsibilities. You agree to use the Services in compliance with all applicable laws and regulations and not to:
3. Reviews. Clients may leave reviews about advisors with whom they have interacted. Reviews must be based on genuine experiences and must not include personal or confidential information about advisors or third parties. You grant Advisor Advisory a worldwide, nonexclusive, royalty-free licence to use, reproduce, publish and display your review as part of the Services. We reserve the right to remove reviews that violate these Terms or are otherwise inappropriate.
4. Advisor profiles. Advisors are responsible for the content of their profiles, including biographies, credentials, documents and any statements made. By uploading content, you grant Advisor Advisory a licence to use, display, reproduce and distribute such content on the Services. We may review profiles for compliance with these Terms and applicable laws and may remove or edit content at our discretion.
1. Free and premium plans. Advisors may choose between a free profile and subscription plans that offer premium features (such as enhanced visibility or additional profile fields). Details of available plans and prices are provided on the Site.
2. Billing. Subscription fees are payable in advance for the subscription period. By purchasing a subscription, you authorize us (or our payment processor) to charge your payment method. You agree to provide current, complete and accurate billing information.
3. Renewals and cancellation. Subscription plans automatically renew at the end of each term unless cancelled. You may cancel at any time by visiting your account settings; cancellation will take effect at the end of the current term. Fees paid are nonrefundable except as required by law.
4. Payment processing. We use third-party payment processors. Payments are subject to the processors’ terms and privacy policies. We do not store full payment card numbers on our servers.
1. Advertisements. Advisor Advisory may display advertisements, sponsored listings or affiliate links on the Site. Advertisements help fund our services. While we try to ensure that ads are relevant, we do not endorse or guarantee the products or services advertised.
2. Sponsored advisor profiles. Some advisors may pay for featured placement or other promotional benefits. Sponsored listings are clearly labelled. Payment for sponsorship does not imply endorsement by Advisor Advisory.
3. Targeted advertising and consent. We may use cookies to deliver targeted advertisements. The OPC has stated that opt-out consent is acceptable for targeted advertising if users are clearly informed and can easily opt out. For more information, see our Privacy Policy.
1. Advisor Advisory’s content. The Services, including but not limited to the Site’s design, text, graphics, logos, trademarks and software, are owned by Advisor Advisory or its licensors and are protected by intellectual-property laws. Except as expressly permitted in these Terms, you may not copy, reproduce, modify, distribute, display, create derivative works of or exploit any part of the Services without our prior written consent.
2. User-generated content. You retain ownership of content you submit to the Services (e.g., reviews and profile information). By submitting content, you grant Advisor Advisory a worldwide, perpetual, royalty-free licence to use, reproduce, edit, display, distribute and otherwise exploit the content for the purpose of operating and promoting the Services. You represent that you have all rights necessary to grant this licence and that your content does not violate any law or rights of third parties.
3. Feedback. If you provide suggestions or feedback regarding the Services, you grant us a worldwide, perpetual licence to use and incorporate your feedback without compensation.
1. No professional advice. The information provided on the Site is for general informational purposes only. Advisor Advisory does not provide financial, investment, legal or tax advice. We do not endorse or recommend any particular advisor. Clients are solely responsible for evaluating advisors and making their own decisions.
2. No guarantees. While we endeavour to verify that advisors listed on our platform are licensed, we do not warrant the accuracy, completeness or reliability of advisor information. Advisor Advisory is not liable for errors or omissions in profiles or reviews, nor for any consequences arising from your reliance on such information.
3. Third-party services. The Services may contain links to third-party websites or services. Advisor Advisory is not responsible for the content, privacy practices or services of third parties.
4. Service availability. We strive to keep the Services available but do not guarantee continuous, uninterrupted or secure access. The Services may be unavailable for maintenance or due to factors outside our control.
To the fullest extent permitted by law, Advisor Advisory and its directors, officers, employees, agents and affiliates shall not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use or goodwill, resulting from (a) your access to or use of or inability to access or use the Services; (b) any conduct or content of any third party on the Services; (c) any content obtained from the Services; or (d) unauthorized access, use or alteration of your transmissions or content. In no event shall Advisor Advisory’s aggregate liability exceed the greater of (i) the total amounts you have paid to Advisor Advisory in the twelve months preceding the event giving rise to the liability, or (ii) CAD 100. Some jurisdictions do not allow limitations of liability, so these limitations may not apply to you.
You agree to indemnify, defend and hold harmless Advisor Advisory and its affiliates and their respective officers, directors, employees, contractors and agents from and against any claims, liabilities, damages, losses and expenses, including legal fees, arising out of or in any way connected with (a) your access to or use of the Services, (b) your violation of these Terms, (c) your content, or (d) your violation of any rights of another. Advisor Advisory reserves the right to assume the defence and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defence of these claims.
We may suspend or terminate your access to the Services or remove content at any time, with or without cause or notice, if we believe you have violated these Terms, our policies or applicable laws, or if your account is inactive for an extended period. You may terminate your account by following the instructions on the Site. Upon termination, your right to use the Services ends immediately, but sections of these Terms that by their nature should survive (including intellectual-property rights, disclaimer, limitation of liability and indemnity) will remain in effect.
Advisor Advisory may modify, suspend or discontinue the Services at any time. We may also revise these Terms from time to time. We will post any updates on this page and change the “Last updated” date. If we make material changes, we may notify you by email or through the Services. Your continued use of the Services after any updates constitutes your acceptance of the revised Terms.
These Terms are governed by the laws of Canada and, to the extent applicable, the laws of the Province of Ontario, without regard to conflict-of-law principles. You agree to submit to the exclusive jurisdiction of the courts located in Ontario, Canada, to resolve any disputes arising from these Terms or the Services. If you are a consumer residing in Québec, you may have the right to bring a claim in Québec. Nothing in these Terms limits your statutory rights under provincial consumer protection laws.
By using Advisor Advisory’s Services, you acknowledge that you have read, understood and agree to these Terms and to our Privacy Policy.