Disclaimer

Effective Date: September 2026
Last Updated: September 2026

1. General Educational Purpose

Financial Outlet Builders Inc. (“Financial Outlet Builders,” “FOB,” “we,” “our,” or “us”) provides general financial education, informational resources, tools, assessments, events, business-support resources, and related content.

The information provided through this website is intended for general educational and informational purposes only.

It is not intended to constitute individualized financial, investment, tax, legal, accounting, insurance, estate-planning, or other professional advice.

Users should consider obtaining advice from an appropriately qualified or licensed professional before making significant financial, legal, insurance, investment, tax, or business decisions.

2. No Individualized Advice

Content on this website is not prepared based on your complete personal or financial circumstances.

Educational articles, calculators, questionnaires, wellness checks, illustrations, examples, videos, presentations, and other tools may help you understand financial concepts or identify topics you may wish to explore further.

They should not be interpreted as:

individualized financial advice;

an investment recommendation;

a suitability determination;

an insurance-needs analysis;

a financial plan;

tax or legal advice; or

a recommendation to purchase, sell, replace, or retain a particular financial product.

3. Financial Wellness Checks and Educational Assessments

Any financial wellness check, questionnaire, assessment, score, category, educational result, or suggested learning topic provided through Financial Outlet Builders is intended solely as an educational tool.

Results may be based only on information voluntarily provided by the user and may not consider all relevant financial circumstances, obligations, risks, goals, tax considerations, legal requirements, or product-specific factors.

A wellness result should not be interpreted as:

a financial diagnosis;

an investment risk assessment;

a suitability determination;

an insurance-needs analysis;

a financial plan;

a recommendation to purchase or sell a product; or

a guarantee of any financial outcome.

The purpose of these tools is to help users identify financial topics they may wish to understand, strengthen, or explore further.

4. Relationship with World Financial Group

Financial Outlet Builders Inc. is a separate business entity and is not owned by, operated by, or presented as World Financial Group Insurance Agency of Canada Inc. or any affiliated World Financial Group company.

Certain individuals associated with Financial Outlet Builders, including principals, advisors, trainers, or participating professionals, may also be independently contracted with World Financial Group Insurance Agency of Canada Inc. or other appropriately licensed or authorized entities.

World Financial Group publicly states that its agents are independent contractors rather than employees, and that World Financial Group Insurance Agency of Canada Inc. offers life insurance and segregated funds in Canada. World Financial Group, Inc.

Any insurance, investment, segregated-fund, or other regulated financial product or service provided by an individual associated with Financial Outlet Builders is provided separately through the appropriately licensed or authorized individual and entity and is subject to applicable licensing, regulatory, contractual, suitability, disclosure, insurer, dealer, and compliance requirements.

Financial Outlet Builders Inc. does not itself issue, underwrite, approve, guarantee, or administer insurance policies, segregated funds, securities, investment accounts, or other regulated financial products unless separately authorized to do so.

A person’s relationship with Financial Outlet Builders does not replace or alter any licensing, contractual, disclosure, supervision, or compliance obligations that apply to regulated services conducted through another licensed entity.

Financial Outlet Builders branding, website content, educational materials, events, technology, CRM systems, business-support services, or other resources should not be interpreted as being provided, sponsored, approved, or endorsed by World Financial Group unless expressly stated in writing by the applicable entity.

5. Insurance Information

Any insurance-related information provided on this website is general and educational.

Nothing on this website constitutes an insurance contract, binder of coverage, guarantee of insurability, approval, or individualized insurance recommendation.

Insurance products, eligibility, underwriting, coverage, premiums, exclusions, limitations, benefits, and availability may vary by insurer, product, jurisdiction, and individual circumstances.

Insurance coverage is not established merely by:

submitting a website form;

completing an assessment;

using a calculator;

booking an appointment; or

communicating with Financial Outlet Builders.

Where insurance products or services are discussed or provided, they may be offered separately by appropriately licensed individuals and through the applicable authorized entity.

6. Investment and Segregated-Fund Information

Investment-related information is provided for general educational purposes only.

Nothing on this website should be interpreted as a recommendation to buy, sell, hold, replace, or avoid any particular investment, security, fund, segregated fund, account, asset class, strategy, or financial product.

Financial Outlet Builders does not represent that general educational content is suitable for any particular person.

Investing involves risk. Investment values, returns, fees, taxation, liquidity, guarantees, market performance, and other outcomes may vary.

Where regulated investment or segregated-fund products or services are provided by an appropriately licensed professional, separate product, disclosure, suitability, contractual, and regulatory requirements apply.

7. Tax, Legal and Estate Information

Any discussion of taxation, estate planning, government benefits, account structures, beneficiary considerations, legal structures, or regulatory requirements is provided only as general educational information.

Tax and legal rules can change and may differ by jurisdiction and individual circumstances.

Financial Outlet Builders is not a law firm or accounting firm and does not provide legal or tax advice through general website content.

Users should consult an appropriately qualified lawyer, accountant, tax professional, or other professional where necessary.

8. Canada, United States and Other Jurisdictions

Financial concepts such as budgeting, cash flow, saving, debt management, protection, investing, retirement, and legacy planning may be broadly applicable.

However, laws, taxation, government programs, financial products, insurance requirements, securities requirements, account types, licensing rules, and professional standards may vary significantly by country, province, state, or other jurisdiction.

Content identified as relating specifically to Canada, the United States, a province, a state, or another jurisdiction should be considered only within that applicable context.

Users are responsible for confirming which rules, programs, products, and requirements apply to their location and circumstances.

9. Licensed Professionals

Financial Outlet Builders may provide opportunities for users to connect with appropriately licensed or qualified professionals.

Any professional who provides regulated services is responsible for maintaining the licences, registrations, appointments, authorizations, and other qualifications required for those services.

Availability of professionals, products, and services may vary by jurisdiction.

A connection, referral, introduction, enquiry, booking, or educational interaction does not guarantee that:

a professional relationship will be established;

a product will be available;

an application will be approved; or

a particular product or service will be appropriate.

10. Business and Advisor Opportunity Information

Information relating to business development, advisor opportunities, licensing pathways, training, recruiting, compensation, commissions, promotion, advancement, or business ownership is provided for general informational and educational purposes.

The career opportunity associated with WFG is an independent-contractor opportunity, and WFG states that individual results vary. World Financial Group, Inc.

Financial Outlet Builders does not guarantee:

licensing or regulatory approval;

appointment or contractual acceptance;

employment;

independent-contractor status;

clients or customers;

commissions or income;

promotion or advancement;

business growth; or

financial success.

Any examples of income, commissions, advancement, business development, or financial outcomes are illustrative only and should not be interpreted as typical or guaranteed results.

11. Calculators, Examples and Illustrations

Calculators, projections, illustrations, charts, hypothetical scenarios, and educational demonstrations are provided solely to help users understand financial concepts.

Results may depend on assumptions entered by the user or assumptions built into the tool.

Actual results may differ because of changes in factors including:

interest rates;

investment returns;

fees and expenses;

inflation;

taxation;

contributions or withdrawals;

insurance costs;

market conditions;

government programs;

laws and regulations; and

individual circumstances.

No calculator, illustration, projection, or educational scenario guarantees a future result.

12. Accuracy and Timeliness

Financial Outlet Builders aims to provide useful, understandable, and reasonably current educational information.

However, financial rules, legislation, regulations, tax provisions, government programs, financial products, rates, licensing requirements, and other information can change.

We do not guarantee that all website information will always be complete, current, error-free, or applicable to every situation.

Users should verify information that is important to a decision using current authoritative sources or an appropriately qualified professional.

13. Third-Party Information and Links

Our website may reference or link to third-party websites, platforms, government resources, financial institutions, insurers, investment companies, educational providers, calculators, technology providers, or other external services.

Financial Outlet Builders does not control third-party websites and is not responsible for their:

content;

accuracy;

availability;

security;

privacy practices;

products;

services; or

terms.

A reference or link to a third party does not necessarily constitute endorsement.

14. Intellectual Property and Third-Party Marks

Financial Outlet Builders owns or is authorized to use its own branding, educational materials, website content, tools, graphics, and other proprietary materials.

Names, trademarks, logos, product names, and branding belonging to third parties remain the property of their respective owners.

World Financial Group and related trademarks belong to their respective owners.

Any reference to a third-party company or trademark is made only for identification, factual disclosure, or educational context and should not be interpreted as ownership, sponsorship, affiliation, or endorsement unless expressly stated.

15. Children and Youth Education

Financial Outlet Builders may provide financial-literacy education and resources intended for children, youth, students, families, schools, or community organizations.

Educational materials for young people are intended to teach general financial concepts and should not be interpreted as individualized financial advice.

Where personal information, registration, payment, or participation requires authorization from a parent, guardian, school, or other authorized person, appropriate authorization may be required.

Additional information about the handling of children’s and youth personal information is provided in our Privacy Policy.

16. No Guarantee of Financial Results

Financial Outlet Builders does not guarantee:

savings;

investment returns;

income;

tax savings;

insurance eligibility;

product approval;

retirement outcomes;

debt reduction;

business results; or

any other financial outcome.

Past performance, historical examples, hypothetical illustrations, educational scenarios, or third-party examples are not guarantees of future results.

Individual outcomes vary.

17. Responsibility for Decisions

Users remain responsible for their own financial, business, investment, insurance, tax, legal, and other decisions.

Financial education is intended to support understanding and informed decision-making.

It does not eliminate the need to consider personal circumstances or obtain appropriate professional assistance when necessary.

18. Limitation of Liability

To the extent permitted by applicable law, Financial Outlet Builders Inc. is not responsible for losses arising solely from reliance on general educational or informational content where individualized professional advice should reasonably have been obtained.

Financial Outlet Builders is not responsible for losses resulting from third-party websites, products, services, systems, providers, professionals, or circumstances outside our reasonable control.

Nothing in this Disclaimer excludes or limits rights, protections, obligations, or remedies that cannot lawfully be excluded or restricted.

19. Changes to This Disclaimer

We may update this Disclaimer from time to time to reflect changes in our website, educational content, tools, services, relationships, business practices, or applicable requirements.

The updated version will be posted on this page with a revised Last Updated date.

20. Contact Us

For questions regarding this Disclaimer or Financial Outlet Builders educational content, contact:

Financial Outlet Builders Inc.
153 13th Street
Brandon, Manitoba, Canada

Email: [email protected]

For questions concerning how we handle personal information, please review our Privacy Policy or contact:

Privacy Officer
Financial Outlet Builders Inc.

Email: [email protected]