WEBSITE TERMS AND CONDITIONS OF USE

Please read this important legal information page carefully. This website is owned and managed by Palos Wealth Management (“Palos” or “we”). By accessing or using this website, you agree to comply with the following terms and conditions, which may be updated from time to time without notice. Your continued use of the website constitutes your acceptance of these terms and conditions, and any changes thereof. If you do not accept these terms, do not use the website.

These terms and conditions are governed by the laws of the Province of Québec and applicable Canadian laws.

LIMITATION OF LIABILITY

The content of this website is provided for general informational purposes only and does not constitute financial, legal, accounting, tax, or investment advice. You should consult your own professional advisors before making any decisions based on this information.

Although the information is believed to be accurate at the time of publication, we do not guarantee it remains accurate, complete, or up to date. The website and its contents are provided “as is” without warranties of any kind. Palos is not responsible for any loss arising from use of or inability to access the website. We do not guarantee the website will be uninterrupted, error-free, or free from viruses or other harmful components.

AVAILABILITY OF PRODUCTS

All products and services described on this website are subject to applicable laws.

Canadian Residents

Palos is registered as an adviser in the category of portfolio managers under the securities laws of all Canadian provinces and territories, and as an investment fund manager in the provinces of Ontario, Québec, and Newfoundland and Labrador.

Palos is also registered as an exempt market dealer in Alberta, British Columbia, Ontario and Québec.

U.S. Residents

Palos Management Inc., an affiliate of Palos, is an investment adviser registered with the U.S. Securities and Exchange Commission (“SEC”) and offers advisory services to U.S. clients.

Palos funds are available to Canadian investors only. References to investments or funds do not constitute an offer or solicitation to buy or sell any securities.

COPYRIGHT

All content on this website is protected by copyright and intellectual property laws. You may not copy, modify, distribute, post, or reproduce any text, images, video, software, or branding from this site without prior written consent. Unauthorized use of Palos’ trademarks or other intellectual property is strictly prohibited.

HYPERTEXT LINKS

Links to third-party websites are provided for your convenience only. Palos does not endorse or guarantee any third-party products, services, or content, and is not responsible for any damage, incompatibility, or security risks that may result from accessing such sites. Use of third-party links is at your own risk.

GENERAL DISCLAIMER

Investments involve risks, and past performance does not guarantee future results. Information provided on this website is based on assumptions and market conditions that may change. Prospective investors should assess the appropriateness of the information in light of their financial goals and personal circumstances.

Past performance is not indicative of future returns. All return figures reflect overall annual composite yields, including price changes and reinvested income, and are based on Palos’ calculations using data from external providers.

Information on this site is subject to change without notice. Unauthorized downloading, copying, redistribution, or republication of website content is prohibited. This website does not provide personalized advice—please consult your own advisor.

EMAIL AND INTERNET SECURITY

Email communications over the Internet are not secure and may be intercepted or altered. Palos is not liable for any harm or damages arising from transmitting emails sent to Palos, or emails sent from Palos to you at your request. For sensitive communications, consider using more secure methods.

USE OF THE WEBSITE

Palos is not liable for any direct or indirect damages resulting from the use or unavailability of the website or reliance on its content. Unauthorized use or reproduction of any part of the site is strictly prohibited.

USER DATA

We do not collect personal information through this website. However, we may collect limited non-identifiable data (e.g., pages visited, browser type, device used) to analyze website usage and improve performance. This data cannot be used to identify individual users.

PRIVACY POLICY

We comply with the applicable law governing the protection of personal information. For more information on how we collect and handle information of clients, please read the Palos Privacy Policy.