Terms of Use & Conditions
Effective Date: September 2026
Last Updated: September 2026
1. Acceptance of Terms
These Terms of Use & Conditions (“Terms”) govern your use of the Financial Outlet Builders Inc. website, publicly available resources, forms, surveys, event registrations, and related services.
By accessing or using our website, you acknowledge that you have read and understood these Terms.
Certain services, registrations, subscriptions, resources, or transactions may be subject to additional terms or may require you to expressly agree to specific terms before proceeding.
If you do not agree with these Terms, please discontinue use of the applicable website features or services.
2. About Financial Outlet Builders
Financial Outlet Builders Inc. (“Financial Outlet Builders,” “FOB,” “we,” “our,” or “us”) provides business support, educational resources, events, technology-enabled services, and related resources and services.
The availability and nature of specific services may change from time to time.
3. Educational and General Information
Information, articles, presentations, calculators, illustrations, videos, events, training materials, philosophies, strategies, and other content made available through Financial Outlet Builders are provided for general informational and educational purposes unless expressly stated otherwise.
General website content should not be considered individualized financial, investment, insurance, tax, accounting, or legal advice.
Individual circumstances differ. Where professional advice is required, individuals should consult an appropriately qualified and, where applicable, licensed professional.
4. Insurance and Investment Information
Financial Outlet Builders Inc. does not represent that general educational content or website resources constitute an offer, recommendation, solicitation, or individualized advice regarding any specific insurance policy, investment product, security, or financial strategy.
Where insurance or investment products or services are discussed or provided by a licensed individual, applicable licensing, regulatory, contractual, product, suitability, disclosure, and compliance requirements may apply separately.
Product availability, eligibility, features, costs, risks, returns, guarantees, tax treatment, and other terms may vary by product, provider, jurisdiction, and individual circumstances.
No insurance coverage, investment account, transaction, or financial product is established merely by submitting a website enquiry, completing a general website form, or communicating with us through the website.
5. No Guarantee of Results
Examples, illustrations, educational scenarios, testimonials, case studies, business concepts, and discussions of potential outcomes are provided for informational purposes and do not guarantee future results.
Financial, investment, insurance, business, career, and income outcomes depend on numerous factors and may vary significantly between individuals.
Past performance or previous results should not be interpreted as a guarantee of future performance or results.
6. Business and Advisor Opportunities
Information concerning business-building, career development, advisor opportunities, training, licensing pathways, or potential income is provided for informational purposes.
Participation does not guarantee licensing, appointment, employment, business ownership, clients, commissions, income, promotion, or financial success.
Licensing and authorization to conduct regulated activities are subject to applicable regulatory requirements, eligibility criteria, examinations, approvals, contractual arrangements, and other requirements.
7. Acceptable Use
You agree not to use this website or our services to:
Violate applicable laws or regulations;
Attempt unauthorized access to accounts, systems, data, or services;
Introduce malicious software or interfere with website operation;
Submit false, misleading, fraudulent, or unlawfully obtained information;
Impersonate another individual or organization;
Copy, scrape, reproduce, distribute, or commercially exploit protected content except as authorized; or
Use our systems in a manner that could compromise their security, privacy, availability, or integrity.
8. Intellectual Property
Unless otherwise stated, the website and its original content, branding, graphics, designs, educational materials, presentations, videos, documents, processes, and other materials are owned by or licensed to Financial Outlet Builders Inc. and may be protected by applicable intellectual property laws.
You may access publicly available materials for your personal, non-commercial use unless otherwise stated.
You may not reproduce, modify, distribute, sell, license, republish, commercially exploit, or create derivative works from protected Financial Outlet Builders materials without authorization, except where permitted by law.
Third-party trademarks, logos, products, and materials remain the property of their respective owners.
9. Website Forms and Enquiries
Website forms, surveys, booking forms, and enquiry forms are intended to collect information reasonably necessary to understand and respond to your request.
Unless specifically requested through an authorized process, please do not submit sensitive financial, medical, banking, government identification, passwords, account credentials, licence numbers, or other highly confidential information through general website forms.
Submitting an enquiry does not by itself create an insurance contract, investment account, advisor-client relationship, employment relationship, or guarantee that any particular product, opportunity, or service will be available or appropriate.
10. Email, SMS and Electronic Communications
When you request information, book an appointment, register for an event, or otherwise ask us to communicate with you, we may send communications related to that request where permitted.
Marketing or promotional electronic communications will be sent where we have appropriate consent or another basis permitted by applicable law.
Where you expressly opt in to SMS communications, message frequency may vary and message and data rates may apply. You may reply STOP to unsubscribe from applicable SMS communications or HELP for assistance.
Email marketing communications will include an applicable unsubscribe mechanism where required.
Consent to receive optional marketing communications is not a condition of purchasing a service or submitting a general enquiry where such consent is not necessary to provide or respond to that service.
You are responsible for providing accurate contact information and updating it where necessary.
11. Privacy
Our collection, use, disclosure, retention, and protection of personal information is described in our Privacy Policy.
Please review our Privacy Policy for information about our privacy practices and your choices:
12. Third-Party Websites and Services
Our website may contain links to or integrations with third-party websites, platforms, service providers, financial institutions, insurers, investment companies, scheduling systems, payment providers, or other external services.
Financial Outlet Builders does not control third-party websites or services and is not responsible for their content, availability, privacy practices, security, products, or terms.
Your use of third-party services may be governed by the third party’s own terms and privacy policies.
13. Website and Service Availability
We aim to keep our website and services available and accurate, but we do not guarantee uninterrupted, error-free, or continuously available access.
We may modify, suspend, restrict, or discontinue website features, content, resources, or services from time to time.
14. Disclaimer of Warranties
To the extent permitted by applicable law, website content and general resources are provided on an “as available” basis without representations or warranties that all information will always be complete, current, accurate, or suitable for every purpose.
Nothing in these Terms excludes warranties, rights, or remedies that cannot lawfully be excluded.
15. Limitation of Liability
To the extent permitted by applicable law, Financial Outlet Builders Inc. will not be liable for losses arising solely from reliance on general educational or informational website content where individualized professional advice should reasonably have been obtained.
Financial Outlet Builders is not responsible for losses caused by third-party websites or services outside our reasonable control.
Nothing in these Terms limits or excludes liability, rights, or remedies where doing so would be prohibited by applicable law.
16. Changes to These Terms
We may update these Terms of Use & Conditions from time to time to reflect changes in our website, services, business practices, or applicable requirements.
Updated Terms will be posted on this page with a revised “Last Updated” date.
Where appropriate, additional notice or renewed acceptance may be requested for material changes affecting particular services.
17. Governing Law
These Terms are governed by the laws applicable in the Province of Manitoba and the federal laws of Canada applicable therein, subject to any mandatory rights or laws that apply based on the circumstances.
18. Contact Us
Financial Outlet Builders Inc.
153 13th Street
Brandon, Manitoba, Canada
For questions concerning how we handle personal information, please refer to our Privacy Policy or contact our designated privacy contact at: