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Disclaimers

General Disclaimer
Investment Decisions
Information Accuracy
Forward Looking
Liability Exclusions
Copyright
Submissions
Third Party
Governing Law
Amendments & Updates
Privacy Policy
  • General Disclaimer

    THIS WEBSITE IS NOT INTENDED TO SOLICIT INVESTMENT FUNDS IN ANY JURISDICTION

    This website and the information contained herein do not constitute an offer or solicitation for the sale of any product or securities of Merit Valor Capital Asset Management Corporation or any of its associates, affiliates and related entities or investment product providers (“Issuers”). Any formal offer of product or securities will only be accompanied by formal offering documentation or other definitive materials that have been prepared in accordance with applicable law specifically for the purposes of making such offer.

    The documents and information available within this website are not intended to provide you with any financial, accounting, tax or legal advice. This website may contain forward-looking information with respect to Issuers projects and future results. Forward-looking statements often, but not always, identified by words such as “anticipate”, “believe”, “expect”, “intend”, “should”, “should be” and similar expressions have been used herein to identify forward-looking information (See Forward Looking Statements for more information). Actual results may differ from expected results for a variety of reasons including, but not limited to, economic and financial conditions in Canada and globally, regulatory developments in Canada and elsewhere, technological developments, competition and other factors beyond Merit Valor Capital Asset Management Corporation’s control.

    Past performance of projects does not guarantee that investors in future projects will experience comparable returns. You should not rely on this information as a forecast or projection of probable returns, if any, on investments as projects are in different geographical and or business sector areas, may be structured differently and subject to different risks. Merit Valor Capital makes no representations or warranties about the accuracy or completeness of this website or any of its contents, including, without limitation, the accuracy or timelines.

    Any implied warranties, whether statutory or otherwise, on any such matters are hereby expressly excluded to the full extent permitted by applicable laws. Dan Houcher Financial Ltd. assumes no obligation to update or revise this website or any forward-looking information to reflect new events or circumstances other than as may be required by applicable laws.

  • Investment Decisions

    Material contained in or accessible through this website is for information purposes only and is not intended to and does not constitute an offer to sell or a solicitation of an offer to buy securities in any jurisdiction, nor should it be used for the purpose of making investment decisions with respect to Merit Valor Capital Asset Management approved securities.

    While the information presented in this website has been researched and is thought to be reasonable, in general, an investment in securities offered by Merit Valor Capital Asset Management Corporation is speculative, prices can go up but they can also go down, and thus MERIT VALOR CAPITAL ASSET MANAGEMENT CORPORATION, AND/OR ITS AGENTS CANNOT AND DO NOT GUARANTEE ANY RATE OF RETURN OR INVESTED AMOUNT OR INVESTMENT TIMELINE. 

    You acknowledge and agree that MERIT VALOR CAPITAL ASSET MANAGEMENT CORPORATION  and/or its agents are not in the business of presenting themselves as experts but are only preliminary information providers. You should not rely on any opinion or other information set out in the website or any website accessible through this website when making business, financial, personal or other decisions.

    Merit Valor Capital Asset Management Corporation, and its service providers do not endorse the opinions of any third party expressed on the website or any website accessed through the website. Merit Valor Capital Asset Management Corporation are subject to the securities laws of various jurisdictions. Information disclosed or provided by Merit Valor Capital Asset Management pursuant to the securities laws of those jurisdictions is not intended to be in any way qualified, amended, modified or supplemented by the information otherwise available in, through, or on this website.

    Merit Valor Capital do not assume any duty of disclosure beyond that which is required by applicable law.

  • Information Accuracy

    While any information and material contained in the content are reasonably believed by Merit Valor Capital Asset Management Corporation. to be accurate and complete in all material respects at the time of posting, and although Merit Valor Capital Asset Management Corporation makes reasonable efforts to ensure that all such information and material remain current, accurate and complete, Merit Valor Capital Asset Management Corporation accepts no liability, responsibility or obligation whatsoever to post, update, amend, review or remove such information, material or the content or any portion thereof except as may be required by applicable law. You acknowledge that such facts, information and material may change quickly and without notice and that such changes will take time to be posted on the website, if they are posted at all. Merit Valor Capital Asset Management Corporation may, at its sole discretion, post, delete and amend content without notice.

  • Forward Looking Statements

    Certain statements in this website or that of the Issuer, including assessments by management of Merit Valor Capital Asset Management Corporation of future plans and operations, may constitute forward looking statements within the meaning of applicable securities laws. These forward-looking statements can generally be identified by words such as ‘believes’, ‘anticipates’, ‘expects’, ‘plans’, ‘estimates’ or words of a similar nature.

    The forward-looking statements are based on current expectations and are subject to known and unknown risks, uncertainties and other factors which may cause the actual results, performance or achievements of Merit Valor Capital Asset Management Corporation to be materially different from any future results, performance or achievements expressed or implied by such forward-looking statements. Such factors include, among others: risks associated with the ownership and operation of assets, including fluctuations in interest rates, energy prices; general economic conditions; local markets; supply and demand for products; competition for available assets that may have greater financial and capital resources than Merit Valor Capital Asset Management Corporation or the Issuer of the security; credit and financial stability of the operators who operate the projects; changes in legislation and the regulatory environment; and international trade and global political conditions.

    The impact of any one factor on a particular forward-looking statement is not determinable with certainty as such factors are dependent upon other factors, and management’s course of action would depend upon its assessment of the future considering all information then available. These statements speak only as of the date of such information as the case may be, and may be superseded by subsequent events. Readers are cautioned that the foregoing list of factors is not exhaustive.

    For further information on risks or any material assumptions utilized in making these forward-looking statements refer to the offering documents of each of the Issuers of the securities entities under the heading “Risk Factors”. Although Merit Valor Capital Asset Management Corporation believes that the expectations conveyed by the forward-looking statements are reasonable based on information available to it on the date such forward-looking statements are made, no assurances can be given as to future results, levels of activity and achievements.

    All forward-looking statements, whether written or oral, attributable to Merit Valor Capital Asset Management Corporation or persons acting on its behalf are expressly qualified in their entirety by these cautionary statements. Merit Valor Capital Asset Management Corporation assumes no obligation to update forward-looking statements should circumstances or management’s estimates or opinions change.

  • Exclusions of Liability

    Users are required to conduct their own investigations, analysis, due diligence, draw their own conclusions, and make their own decisions. Any areas concerning taxes or specific legal or technical situations should be referred to lawyers, accountants, consultants, realtors, or other professionals licensed, qualified or authorized to render such advice. You acknowledge and agree that Merit Valor Capital Asset Management Corporation and/or its officers, agents, shareholders, servants, or employees do not assume and hereby disclaim any liability to any party for any loss or damage caused by the use of the information contained herein (or errors or omissions in the information contained herein) to make any investment decision, whether such errors or omissions result from negligence, accident or any other cause.

    IN NO EVENT SHALL MERIT VALOR CAPITAL ASSET MANAGEMENT, OR ITS OFFICERS, AGENTS, SHAREHOLDERS, SERVANTS, OR EMPLOYEES BE LIABLE TO ANY USER FOR DAMAGES WHATSOEVER, AND HOWSOEVER CAUSED, INCLUDING WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, MORAL OR CONSEQUENTIAL DAMAGES, LOSS OF PROFITS, LOSS OF OPPORTUNITIES OR INFORMATION, ECONOMIC LOSS, OR FOR ANY LOSS OR EXPENSES ARISING IN CONNECTION WITH THIS WEBSITE OR THE CONTENT, WITH ANY SOFTWARE ALGORITHMS AVAILABLE THEREON NOR WITH ANY HYPERLINKED WEB SITE OR FOR USE THEREOF OR INABILITY TO USE BY INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF MERIT VALOR CAPITAL ASSET MANAGEMENT CORPORATION AND/OR ITS OFFICERS, AGENTS, SHAREHOLDERS, SERVANTS, OR EMPLOYEES ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES. MERIT VALOR CAPITAL ASSET MANAGEMENT CORPORATION,  AND/OR ITS AGENTS SPECIFICALLY DISCLAIM ANY GUARANTEES, INCLUDING, BUT NOT LIMITED TO, STATED OR IMPLIED POTENTIAL PROFITS OR RATES OF RETURN OR INVESTMENT TIMELINES.

    Software algorithms made available and hyperlinks to other internet resources are used at your own risk. The content, accuracy, opinions expressed and other links provided by these software algorithms and resources are not investigated, monitored, or endorsed by

    Users are required to conduct their own investigations, analysis, due diligence, draw their own conclusions, and make their own decisions. Any areas concerning taxes or specific legal or technical situations should be referred to lawyers, accountants, consultants, realtors, or other professionals licensed, qualified or authorized to render such advice. You acknowledge and agree that Merit Valor Capital Management Asset Management Corporation. and/or its officers, agents, shareholders, servants, or employees do not assume and hereby disclaim any liability to any party for any loss or damage caused by the use of the information contained herein (or errors or omissions in the information contained herein) to make any investment decision, whether such errors or omissions result from negligence, accident or any other cause.

    IN NO EVENT SHALL MERIT VALOR CAPITAL ASSET MANAGEMENT CORPORATION, OR ITS OFFICERS, AGENTS, SHAREHOLDERS, SERVANTS, OR EMPLOYEES BE LIABLE TO ANY USER FOR DAMAGES WHATSOEVER, AND HOWSOEVER CAUSED, INCLUDING WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, MORAL OR CONSEQUENTIAL DAMAGES, LOSS OF PROFITS, LOSS OF OPPORTUNITIES OR INFORMATION, ECONOMIC LOSS, OR FOR ANY LOSS OR EXPENSES ARISING IN CONNECTION WITH THIS WEBSITE OR THE CONTENT, WITH ANY SOFTWARE ALGORITHMS AVAILABLE THEREON NOR WITH ANY HYPERLINKED WEB SITE OR FOR USE THEREOF OR INABILITY TO USE BY INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF MERIT VALOR CAPITAL ASSET MANAGEMENT CORPORATION AND/OR ITS OFFICERS, AGENTS, SHAREHOLDERS, SERVANTS, OR EMPLOYEES ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES. MERIT VALOR CAPITAL ASSET MANAGEMENT CORPORATION, AND/OR ITS AGENTS SPECIFICALLY DISCLAIM ANY GUARANTEES, INCLUDING, BUT NOT LIMITED TO, STATED OR IMPLIED POTENTIAL PROFITS OR RATES OF RETURN OR INVESTMENT TIMELINES.

    Software algorithms made available and hyperlinks to other internet resources are used at your own risk. The content, accuracy, opinions expressed and other links provided by these software algorithms and resources are not investigated, monitored, or endorsed by Merit Valor Capital Asset Management Corporation.

  • Copyrights

    All material on this website is protected by copyright. This Agreement grants to you a limited license to view, access, download, experience and use the website and the content but conveys no ownership or proprietary interest of any kind therein. Except as may be expressly authorized by Merit Valor Capital Asset Management Corporation, any reproduction, modification or distribution of the Website materials or Content is strictly prohibited. Except as otherwise noted, the logos, icons, graphics, designs, names, trade names, trademarks or service marks displayed on this Website belong to erit Valor Capital Asset Management Corporation or other third parties and may not be used without erit Valor Capital Asset Management Corporation’s written permission.

  • Submission of Information

    Although Merit Valor Capital Asset Management Corporation will make reasonable efforts to maintain any information provided by users or other parties in confidence, you agree that any information provided or sent to Merit Valor Capital Asset Management Corporation through this website will not be considered to be private, confidential or proprietary and will not be accepted as such by Merit Valor Capital Asset Management Corporation.

    By submitting information to Merit Valor Capital Asset Management Corporation through this website, you agree that such information is provided by your full consent and is not private, confidential or proprietary and that subject to any applicable law, Merit Valor Capital Asset Management Corporation will be free to use such information as it sees fit or as may be required by law. You assign any copyrights in or to the contents of any information you send to Merit Valor Capital Asset Management Corporation and you waive any and all moral rights thereto.

    Merit Valor Capital Asset Management Corporation shall be at liberty to freely use, without payment of any compensation, any improvement, suggestion, invention or innovation you may send to Merit Valor Capital Asset Management Corporation

  • Links to Third Party Websites

    Merit Valor Capital Asset Management Corporation does not control any third party website and is therefore not responsible for the content of any linked website, the functioning or availability of any such website, or any link contained in a linked website. Merit Valor Capital Asset Management Corporation, provides such links only as a convenience and the inclusion of any link does not imply, confirm or signify any endorsement, investigation or verification by Merit Valor Capital Asset Management Corporation, of the linked website or information contained therein and Merit Valor Capital Asset Management Corporation makes no warranty.

  • Governing Law

    This Agreement shall be construed and governed by the laws of the Province of Ontario, Canada, and the federal laws of Canada applicable therein, and shall be deemed to be a contract made in Ontario. You agree that any dispute arising under this Agreement, or out of the website, or out of the Agreement shall be litigated only in the Courts of the Province of Ontario,  and you attorney to the exclusive jurisdiction of the Courts of Ontario.

  • Amendments and Updating

    Merit Valor Capital Asset Management Corporation may amend these terms and conditions from time to time without notice and at its sole discretion. By using this website, you confirm and agree that you are bound by the most current terms and conditions of this website and agree to periodically review this agreement to determine the most current terms and conditions and, if the same are not acceptable, you agree to immediately cease using this website.

  • Privacy Policy

    Client Privacy Policy – Collection, Use and Disclosure of Personal Information

    Scope & Application of Policy

    At Merit Valor Capital Asset Management Corporation, we are committed to protecting and maintaining the accuracy, confidentiality and security of your personal information as a client. This Client Privacy Policy describes the personal information Merit Valor Capital Asset Management Corporation collects from or about you, how we use that information, and to whom and in what circumstances we disclose that information.

    This Client Privacy Policy (“Policy”) applies to all commercial and business relationships in which Merit Valor Capital Asset Management Corporation is engaged. The Policy is intended to comply with privacy legislation relating to commercial activity in all jurisdictions in which Merit Valor Capital Asset Management Corporation operates, where such legislation is in force. In Canada, to the extent that Merit Valor Capital Asset Management Corporation operates in provinces that have not adopted privacy legislation, this policy complies with federal legislation, which governs such jurisdictions.

     

    Questions about our Privacy Policies

    If you have any questions about the application of this policy, please contact Merit Valor Capital Asset Management Corporation Chief Compliance Officer:

    Richard Samuels
    CEO, CCO
    Merit Valor Capital Asset Management Corporation
    35 Grand Marshall Drive
    Toronto, Ontario M1B 5W9, Canada
    Direct Telephone: (416) 283-4735 Ext.111
    E-mail: Richs@meritvalor.com

     Collection Use, And Disclosure Of Personal Information

    For purposes of this Client Privacy Policy, personal information means any information about an identifiable individual, other than the person’s business title or business contact information when collected, used or disclosed in the course of commercial activity, to conduct business with you or provide services or products to you.

    The type of information we collect about you may include the following:

    • Information such as your name, home address, telephone number and e-mail address
    • Social Insurance Number, identity card number, or other government identification number
    • Copies of any agreements you enter into with us
    • Information that you provide to us, such as your preferences, identities of your advisors and decision-makers, feedback and comments
    • Credit and financial information

    Merit Valor Capital Asset Management Corporation uses the personal information above for different purposes relating to the management of our business and our relationship with you. These purposes include, but are not limited to the following:

    • Establishing, maintaining and managing a business relationship with you so that we may provide you with services or products that you have requested
    • Enabling us to comply with your requests such as preferred method of communication
    • Sharing your personal information with a party representing you, such as your investment representative, financial planner or to other third parties at your direction/consent
    • Enabling us to review the products and services that we provide to you so that we may understand your requirements for our products and services and improve our products and services
    • Protecting our business from error, fraud, theft and damage to our goods and property
    • Enabling us to comply with applicable law or regulatory requirements (including tax requirements)
    • Safeguarding and protecting Merit Valor Capital Asset Management Corporation confidential information
    • Other purposes reasonably required for the management of our business relationship with you and the management of Merit Valor Capital Asset Management Corporation business

    Dan Houcher Financial Ltd. and WealthTerra share your personal information with its employees, auditors, contractors and consultants and other parties who require such information to assist us with administering our business relationship with you. These include third parties that provide services to us or on our behalf, third parties that collaborate with Dan Houcher Financial Ltd. and WealthTerra in the provision of services to you and third parties with whom we contract to perform our services.

    In addition, your personal information may be disclosed or transferred to another party in the event of a change in ownership of, or a grant of a security interest in, all or part of Merit Valor Capital Asset Management Corporation.  through a sale transaction or some other form of business combination, merger or joint venture. We will disclose personal information in these circumstances only when the third parties agree to use such personal information solely for the purposes evaluating and carrying out the transaction and, with respect to that information, to act in manner consistent with the principles articulated in this Client Privacy Policy.

    Merit Valor Capital Asset Management Corporation may contract with third parties located in one or more countries outside of Canada, including potentially in the United States of America or the European Union, to provide Merit Valor Capital Asset Management Corporation with processing, storage or other administrative or data-related services. Please be advised that in that case your information may be transferred to, processed, used and stored in those countries, and that the governments, courts or law enforcement or regulatory agencies located in those countries may be able to obtain disclosure of your information through the laws of, or pursuant to a lawful order made in, those countries.

    Consent

    We require your consent to collect, use and disclose your personal information in accordance with this Policy. Consent may be expressed or implied. Express consent may be given orally or in writing, including electronic transmission. Implied consent is consent that can be reasonably inferred by your action or inaction. By providing us with the personal information described in this Policy, we assume you have impliedly provided Merit Valor Capital Asset Management Corporation with your consent to collect, use and disclose your personal information in accordance with this Policy.

    You may withdraw or limit your consent to Merit Valor Capital Asset Management Corporation’s collection, use and disclosure of your personal information at any time, subject to your legal and contractual obligations you may have to us as a result of our business relationship. You must provide reasonable notice of the withdrawal of your consent. All communications with respect to the withdrawal or limitation of your consent should be directed to our Privacy Officer in writing.

    In some circumstances, Merit Valor Capital Asset Management Corporation are entitled, or required, to disclose your personal information without your consent. These circumstances include, but are not limited to:

    • Protecting your health or safety
    • The disclosure is necessary for an investigation or proceeding
    • The disclosure is required or authorized by law
    • The disclosure is required to comply with a subpoena, warrant or order of a court or other body authorized to compel production of the information
    • The disclosure is to a public body and relates to an investigation of an offence
    • The disclosure is to a lawyer who is representing Merit Valor Capital Asset Management Corporation
    • The disclosure is required to respond to an emergency
    • Where the personal information is publicly available

    Accuracy & Retention of Personal Information

    Merit Valor Capital Asset Management Corporation endeavours to ensure that any personal information in its possession is as accurate, current and complete as necessary for the purposes for which we use that information. If your personal information changes or you believe information we have about you is not accurate, please notify us as soon as reasonably possible. Any request to verify or correct your personal information must be made in writing to Merit Valor Capital Asset Management Corporation’s Privacy Officer. In some circumstances, we may not agree to your request to change your personal information, but will instead append an alternative text to the record in question.

    We keep your personal information only as long as it is required for the reasons it was collected. The length of time we retain information varies, depending on the product or service and the nature of the information. This period may extend beyond the end of your business relationship with us but it will only be for as long as it is necessary for us to have sufficient information to respond to any issues that may arise at a later date and to comply with applicable law and regulatory requirements. When we no longer require your personal information, we will either destroy or erase it, or we will make it anonymous such that it cannot be associated with or tracked to you.

    Safeguarding Personal Information

    Merit Valor Capital Asset Management Corporation is committed to protecting the security of your personal information. We endeavour to maintain physical, technical and procedural safeguards that are appropriate to the sensitivity of the personal information in question. These safeguards are designed to prevent your personal information from loss and unauthorized access, copying, use, modification or disclosure.

     Access to your Personal Information

    You may ask to see the personal information we have about you. A request to review your personal information must be made in writing to Merit Valor Capital Asset Management Corporation’s Privacy Officer. It will be the endeavour to provide information requested within a reasonable time from the date of the written request, or within the time otherwise required by law.

    If you make a request to review your personal information, we may request specific information from you to enable us to confirm your identity and right to access such information. We may also require information that would assist us in locating your personal information. We may charge a fee to access your personal information; if so, we will notify you of that fee at the time you make your request or within a short time thereafter.

    Merit Valor Capital Asset Management Corporation reserve the right to decline to provide access to personal information in certain circumstances. These include, but are not limited to, circumstances where the information requested:

    • Would disclose personal information, including opinions, about another individual
    • Would disclose Dan Houcher Financial Ltd. and WealthTerra’s trade secrets or other confidential business information
    • Is subject to lawyer-client privilege
    • Is not readily retrievable and the burden or cost of providing it would be disproportionate to the value of the information
    • Does not exist or cannot be found
    • Could result in serious harm to the individual requesting it, serious harm to the life, safety or health of another person, or serious emotional harm or embarrassment to another individual
    • May harm or interfere with law enforcement activities and other investigative or regulatory functions of a body authorized by statute to perform such functions
    • May be or is required to be withheld by other legislation

    Where information requested will not or cannot be disclosed, DMerit Valor Capital Asset Management Corporation will provide the reasons for non-disclosure.

     Revision to This Policy

    Merit Valor Capital Asset Management Corporation may amend this Client Privacy Policy from time to time to reflect changes in its legal or regulatory obligations or in the manner in which we deal with your personal information.  We encourage you to review the website on a regular basis. Any changes to this Policy will be effective as of the date posted on the website.

    Interpretation of This Policy

    The Privacy Officer has the responsibility and authority to interpret and administer this Policy. This Policy does not create or confer any additional rights or obligations to those imposed under provincial or federal privacy legislation. Should there be, in a specific case, any inconsistency between this Policy and applicable provincial or federal privacy legislation, then this Policy will be interpreted to give effect to and comply with such privacy laws.

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