Terms of Use

1. Information only, not personal advice

The Website gives general information about transferring UK pensions to Canada, including Qualifying Recognised Overseas Pension Schemes (QROPS), RRSPs and RRIFs. It is not financial, tax, legal or investment advice, and it does not consider your personal circumstances.

Pension transfer rules in the United Kingdom and Canada change often. Before you act, speak to a licensed advisor about your situation. A transfer of a UK defined benefit pension worth more than £30,000 requires advice from a UK adviser authorised by the Financial Conduct Authority (FCA).

2. No advisor–client relationship

Using the Website, reading its content or sending us a form does not create an advisor–client relationship. That relationship starts only when you and we sign the account and suitability documents required by our dealer and the product provider.

3. Who provides our services

Simon Huften provides mutual fund services as a dealing representative of [Dealer name], a member of the Canadian Investment Regulatory Organization (CIRO), and insurance products, including segregated funds, as a licensed life insurance agent in [Ontario, British Columbia and Alberta]. Products are offered only in provinces where he is licensed.

Mutual funds and segregated funds are not guaranteed, their values change often, and past performance may not be repeated. Read the fund facts or information folder before investing.

4. How we are paid

We do not charge you a fee for our advice or for arranging a transfer. We are paid commissions by the Canadian investment and insurance companies whose products hold your transferred pension. We will tell you about these commissions in writing before you invest. Any fee charged by a separate UK FCA-authorised adviser is between you and that adviser.

5. Accuracy of information

We take care to keep the Website accurate and current, and each article shows the date it was last reviewed. We do not guarantee that all content is complete or up to date. Tax rates, exchange rates, thresholds and rules mentioned are examples and may have changed.

6. Calculators and estimates

Any calculator, currency conversion or estimate on the Website is for illustration only. Actual transfer values, exchange rates and tax outcomes will differ.

7. Third-party links

The Website links to sites we do not control, such as HMRC, the Canada Revenue Agency and provincial regulators. We are not responsible for their content or privacy practices.

8. Intellectual property

All text, graphics, logos and other content on the Website belong to Strata Wealth or its licensors. You may view and print pages for personal, non-commercial use. You may not copy, republish or distribute content without our written permission.

9. Acceptable use

You agree not to misuse the Website, including by sending false information through our forms, attempting to gain unauthorised access, or using automated tools to scrape content.

10. Limitation of liability

To the extent permitted by law, Strata Wealth, its representatives and employees are not liable for any loss arising from your use of, or reliance on, the Website’s general information. Nothing in these terms limits liability that cannot be limited under applicable law, or our obligations to clients under signed account agreements.

11. Privacy

Our Privacy Policy explains how we collect and use your personal information.

12. Governing law

These terms are governed by the laws of the Province of Ontario and the federal laws of Canada that apply there.

13. Changes to these terms

We may update these terms. The “Last updated” date above shows when they last changed. Continued use of the Website means you accept the updated terms.

14. Complaints and contact

Questions or complaints: Strata Wealth & Risk Management Inc., 1120 Bay Street, Gravenhurst, ON P1P 1Z9, 1-888-298-2906,. If we cannot resolve a complaint, you may contact [Dealer name]’s complaints department, the Ombudsman for Banking Services and Investments (OBSI) for investment matters, or the OmbudService for Life & Health Insurance (OLHI) for insurance matters.