Disclaimer

Steward Group Advisory Inc. (“SGAI”, “we”, “us” or “our”) is registered as a portfolio manager in British Columbia, New Brunswick, Nova Scotia and Ontario and, as such, the material in this website is intended for residents of that province.

1. General Information Only

The information and materials contained on this website are provided for informational purposes only. The content is intended to provide general information about SGAI, its business, its approach, and the services or solutions it may offer from time to time.

Nothing contained on this website is intended to constitute, and nothing should be construed as constituting, personalized investment, financial, legal, tax, accounting or other professional advice.

The information provided on this website does not take into account the particular circumstances, financial situation, investment objectives, risk tolerance, investment horizon or other specific needs of any particular person. Visitors should not rely on the information contained on this website as a substitute for obtaining professional advice appropriate to their individual circumstances.

Before making any investment, financial, tax, legal or other decision, you should obtain advice from appropriately qualified professionals who are familiar with your particular circumstances.

2. No Offer or Solicitation

Nothing contained on this website constitutes or should be construed as an offer, invitation, recommendation or solicitation to buy, sell, subscribe for or otherwise transact in respect of any security, investment product, strategy or other product or service.

Any offer or solicitation relating to securities, investment products, strategies or other regulated products or services will only be made pursuant to applicable legal and regulatory requirements and, where applicable, the relevant offering or transaction documents.

The information on this website is not intended for use by any person in any jurisdiction where the publication, distribution or use of such information would be contrary to applicable law or regulation.

3. No Investment Recommendation

Our various investment strategies and opportunities may not be suitable or appropriate for all investors. The information, opinions or estimates provided, where applicable, in this website reflect the judgement of their author on the day it was drafted. They may not be deemed authoritative; nor may anyone use them as replacement for his or her own judgement. Information provided on this website does not in any way constitute a recommendation that you enter into a particular transaction, nor does it constitute a representation that a particular financial investment is suitable or appropriate for you.

4. Investment and Market Risk

Investing involves risk. The value of investments may increase or decrease, and investors may lose some or all of the capital invested.

Past performance is not necessarily indicative of future performance. Historical returns, performance information, projections, targets or other historical information presented on this website should not be interpreted as a guarantee, representation or assurance of future results.

5. Information May Change

Commentary contained within this website reflects the opinions of SGAI at the time of writing and may reference sources that we believe to be accurate and reliable at the time of posting. We do not guarantee the accuracy or completeness of such information and our opinions and viewpoints may change over time. Any target return, target yield, target distribution, expected volatility range, liquidity expectation, projection, hypothetical or modelled result, pro forma information or other forward-looking statement reflects current expectations, estimates and assumptions. Such information is subject to risks and uncertainties, is not guaranteed and may differ materially from actual results.

6. Forward-Looking Information

Certain information contained on this website may constitute or contain forward-looking statements, information, expectations, projections, forecasts, targets or opinions concerning future events, performance or circumstances.

Forward-looking information may be identified by words or expressions such as “may”, “will”, “expect”, “anticipate”, “intend”, “believe”, “estimate”, “plan”, “project”, “target”, “seek” or similar expressions.

Forward-looking information is based on assumptions and expectations that may prove to be incorrect and is subject to significant business, economic, market, regulatory and other risks and uncertainties.

Actual results and events may differ materially from those expressed or implied by forward-looking information. SGAI does not guarantee that any forward-looking statement, projection, target or expectation will be realized and undertakes no obligation to update or revise forward-looking information, except as may be required by applicable law.

7. Third-Party Information and Sources

This website may contain information, data, commentary, research, statistics or other materials obtained from third-party sources that SGAI believes to be reliable. However, SGAI does not guarantee the accuracy, completeness or reliability of information obtained from third parties. The inclusion of third-party information does not constitute an endorsement, representation or warranty by SGAI concerning the third party, its products or services, or the accuracy of its information.

8. Third-Party Websites and Links

This website may contain links to websites, platforms or resources operated by third parties. These links are provided for convenience and informational purposes only. SGAI does not control and is not responsible for the content, accuracy, availability, security, privacy practices, products or services of third-party websites. The inclusion of a link does not constitute an endorsement, recommendation or approval by SGAI of the linked website or any products, services, information or opinions contained on that website. Once you leave this website, your use of a third-party website is subject to that website’s own terms of use, privacy policies and other applicable terms.

9. No Client or Advisory Relationship Created

Accessing or using this website, submitting an inquiry through the website, communicating with SGAI through the website, or receiving information from SGAI through the website does not, by itself, create a client, advisory, fiduciary, contractual or other professional relationship between you and SGAI. No such relationship will arise unless and until the applicable requirements have been satisfied and, where appropriate, the parties have entered into the relevant written agreement or documentation.

10. Confidentiality of Website Communications

Information submitted through a website contact form, email address or other electronic communication channel should not be assumed to be confidential unless SGAI has expressly agreed otherwise. You should not submit confidential, sensitive or legally privileged information through this website or through an unsolicited electronic communication.

11. Website Availability and Security

SGAI does not warrant that this website will be available at all times or that access will be uninterrupted, timely, secure or error-free.

SGAI does not warrant that the website or any files or materials made available through it will be free from viruses, malware or other harmful components.

You are responsible for taking appropriate precautions and implementing appropriate security measures when accessing and using the website.

12. Limitation of Liability

To the fullest extent permitted by applicable law, SGAI, its directors, officers, employees, representatives, agents and affiliates shall not be liable for any loss or damage arising from or relating to:

(a) your access to or use of, or inability to access or use, this website;

(b) any reliance placed on information contained on this website;

(c) any error, omission, inaccuracy or delay in the information contained on this website;

(d) any decision made or action taken in reliance upon information contained on this website;

(e) any interruption, failure, delay or defect affecting the operation of the website; or

(f) any third-party website, content, product or service accessed through a link contained on this website.

This limitation applies to direct, indirect, incidental, special, consequential, exemplary or punitive damages and to loss of profits, revenue, business opportunities, data or anticipated savings, to the fullest extent permitted by applicable law.

Nothing in this website is intended to exclude or limit liability to the extent that such exclusion or limitation is prohibited by applicable law.

13. Jurisdictional Restrictions

The information contained on this website is intended only for persons who may lawfully access and receive such information in their jurisdiction.

SGAI makes no representation that the information, products or services described on this website are appropriate or available in every jurisdiction.

Persons accessing this website from outside Canada are responsible for determining whether their access to and use of the website, and any information or services described on it, comply with the laws and regulations applicable to them.

Nothing on this website constitutes an offer or solicitation in any jurisdiction where such offer or solicitation is not permitted.

14. Intellectual Property

Unless otherwise indicated, the content of this website, including text, graphics, logos, images, designs, trademarks, service marks and other materials, is owned by or licensed to SGAI and is protected by applicable intellectual property laws.

Except as expressly permitted by law or with SGAI’s prior written consent, no part of this website may be reproduced, distributed, modified, transmitted, published, displayed, licensed, sold or otherwise exploited for commercial purposes.

15. Changes to this Disclaimer

SGAI may amend or update this website disclaimer from time to time without prior notice. Any revised website disclaimer will become effective when posted on this website, unless otherwise stated. Your continued use of the website following the posting of an updated website disclaimer constitutes your acceptance of the revised website disclaimer.

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