Terms and Conditions

Effective Date: August 1, 2025
Last Updated: August 15, 2025

Welcome to https://educatedinvestors.ca/ (the “Site”), operated by Educated Investors, a part of Cardinal (“we,” “our,” or “us”). By accessing or using our Site, you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree, please do not use our Site.

1. Use of the Site

• You may use our Site for lawful purposes only and in accordance with these Terms.
  
• You agree not to use the Site in a manner that could damage, disable, overburden, or impair the Site, or interfere with others’ use.
  

2. No Investment or Financial Advice

• The content on this Site is for informational purposes only and is not intended to provide specific investment, financial, legal, accounting, or tax advice.
  
• We are registered in the jurisdictions where we are authorized to conduct business and only provide investment services in those provinces and territories.
  
• Securities-related services may be provided through Cardinal, which is regulated by the Portfolio Management Association of Canada (PMAC), depending on your advisor’s registration.
  
• All investments involve risk. Past performance may not be indicative of future results.
  

3. Client Services

• Any financial planning, investment management, or securities-related services are governed by a separate written agreement between you and Educated Investors.
  
• Use of this Site does not establish a client-advisor relationship.
  

4. Intellectual Property

• All text, graphics, logos, images, and other materials on the Site are owned or licensed by Educated Investors and are protected under Canadian copyright and trademark laws.
  
• You may not copy, distribute, modify, or create derivative works without our prior written consent.
  

5. Third-Party Links

• Our Site may contain links to third-party websites for your convenience. We are not responsible for the content, accuracy, or practices of third-party sites.
  
• Accessing linked sites is at your own risk.
  

6. Limitation of Liability

• To the fullest extent permitted by law, Educated Investors, its affiliates, and their respective directors, officers, employees, and agents shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of the Site or reliance on its content.
  
• We make no warranties or representations regarding the accuracy, completeness, or timeliness of information on this Site.
  

7. Regulatory Disclosures

• All securities-related products and services are provided by qualified representatives registered in the applicable jurisdictions.
  
• Client accounts are protected by the Canadian Investor Protection Fund (CIPF) within applicable limits. Details are available at www.cipf.ca.
  

8. Indemnification

• You agree to indemnify and hold harmless Educated Investors, its affiliates, and their representatives from any claims, damages, liabilities, or expenses arising from your violation of these Terms or your misuse of the Site.
  

9. Privacy

• Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, and protect your information.
  

10. Governing Law

• These Terms are governed by the laws of the Province of Alberta and the laws of Canada applicable therein, without regard to conflict of law principles.
  
• Any disputes shall be resolved in the courts of Alberta, Canada.
  

11. Changes to These Terms

• We may update these Terms from time to time. The updated version will be posted on this page with a revised “Last Updated” date.
  
• Your continued use of the Site after any changes constitutes acceptance of the updated Terms.
  

12. Contact Us

If you have any questions about these Terms, please contact us:

Educated Investors – Cardinal Capital Management
#210, 6700, Macleod Trail SE, Calgary, Alberta T2H 0L3
Email: crebec@cardinal.ca
Phone: 1-587-393-2757