Legal Notice & Discalmer

Legal Notice & DisclaimerPurpose of Information Please be aware that the contents provided on ibcfinancial.com, a platform managed in partnership with cwcc.ca, are intended strictly for informational and motivational purposes. They should not be interpreted as, nor are they a substitute for, professional advice of any kind, such as legal, psychological, or other specialized advice. The authors and publisher disclaim all responsibility for any actions taken based on the information provided on this site.

Content Ownership and Responsibility Each piece of content on this website reflects the personal opinions and insights of the respective author and should not replace professional advice from qualified experts in fields such as healthcare, legal, business, or psychology. The authors and publishers do not engage in rendering professional services, and no warranty, either expressed or implied, is made regarding the accuracy, completeness, or reliability of information contained herein. 

No Financial Advice Provided It is crucial to understand that the information provided is for general informational purposes only and is not intended as financial, legal, tax, or investment advice. Relying on the information provided for making financial decisions without consulting a professional advisor is at your own risk. 

Risk of Use By using this website, you agree that tools, ratings, or other resources available are not substitutes for professional advice tailored to your individual needs. All resources are provided on an "as is" basis and should be used with caution and due diligence. 

No Guarantee of Accuracy The information provided here, particularly concerning the Infinite Banking Concept and related financial strategies involving whole-life insurance policies, is not intended to serve as definitive financial, legal, or investment guidance. While beneficial for some, Infinite Banking may not suit everyone. We urge you to undertake a comprehensive financial evaluation and consult with qualified professionals before making any decisions based on this information. 

Legal and Regulatory Disclaimer The Infinite Banking and Becoming Your Own Banker concepts described are not traditional banking products and are not regulated by any Canadian chartered bank nor issued by the Ministry of Finance of Canada. These are strategies using whole-life insurance as financial tools and are not endorsed by Infinite Banking Concepts LLC or NNI. 

Educational Use Only All information on this website is intended solely for educational and marketing purposes. Users are advised to conduct thorough due diligence and consult with licensed professionals familiar with the laws and regulations in their specific jurisdictions before adopting any financial strategy discussed here. 

Jurisdictional Variations The Infinite Banking concept is subject to varying regulations across different jurisdictions. The rules governing financial and insurance products in Canada and particularly in Quebec may differ significantly from those in other regions. 

Company Affiliations The owners and employees of this website are not affiliated with the Nelson Nash Institute or any other mentioned entities. All content is for educational purposes and is not intended to promote any specific insurance or financial products.

Disclaimer of Warranties This website and all content are provided without any warranties, express or implied, including but not limited to the accuracy or completeness of the information. The owners of the website are not liable for any errors, omissions, or inaccuracies. 

Limitation of Liability No content on this site should be considered a substitute for professional financial, legal, or tax advice. Always consult with a professional regarding your specific situation. The owners and employees of this website disclaim any liability for decisions made based on the information provided. 

Indemnification By accessing and using this website, you agree to indemnify and hold harmless the website, its affiliates, and all associated parties from any claims, damages, or expenses arising from your use of the information herein. 

Trademark Notice The term "Infinite Banking Canada®" is a registered trademark in Canada, distinct from "The Infinite Banking Concept®." This updated disclaimer is designed to provide comprehensive legal protection for IBC Financial while ensuring that all visitors fully understand the nature of the information provided and the terms of using the website.

Intellectual Property Rights All content on ibcfinancial.com, including text, graphics, logos, icons, images, audio clips, digital downloads, and software, is the property of IBC Financial or its content suppliers and protected by Canadian and international copyright and intellectual property laws. IBC Financial reserves all rights not expressly granted in and to the website and its content.

User Conduct Users are prohibited from violating or attempting to violate the security of the website, including, without limitation, accessing data not intended for them, logging into a server or account which they are not authorized to access, attempting to probe, scan, or test the vulnerability of a system or network, or breaching security or authentication measures without proper authorization. Violations of system or network security may result in civil or criminal liability.

Third-Party Links ibcfinancial.com may contain links to third-party websites that are not owned or controlled by IBC Financial. We assume no responsibility for the content, privacy policies, or practices of any third-party websites. By using the website, you expressly relieve IBC Financial from any and all liability arising from your use of any third-party website.

User Agreement By accessing and using ibcfinancial.com, you accept and agree to be bound by the terms of this Legal Notice & Disclaimer as well as our Privacy Policy and Terms of Service. This agreement constitutes the entire agreement between you and IBC Financial concerning the use of the website.

Severability If any provision of this Legal Notice & Disclaimer is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Legal Notice & Disclaimer, which shall remain in full force and effect.

No Waiver No waiver of any term of this Legal Notice & Disclaimer shall be deemed a further or continuing waiver of such term or any other term, and IBC Financials’ failure to assert any right or provision under this Legal Notice & Disclaimer shall not constitute a waiver of such right or provision.

Modifications to the Disclaimer IBC Financial reserves the right to modify these terms at any time. You should review this Legal Notice & Disclaimer periodically for changes. Following the posting of changes to these terms, your continued use of the website signifies your acceptance of these changes. 

Contact Information For any questions regarding this Legal Notice & Disclaimer, please contact us at the provided communication channels as detailed on our Contact Us page. Please direct all communications to our partner, CWCC.ca, for processing and response.

Governing Law This Legal Notice & Disclaimer and any separate agreements whereby we provide you services shall be governed by and construed in accordance with the laws of Canada and the province of Quebec.

Accuracy of Information We are not responsible if information made available on this site is not accurate, complete, or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete, or more timely sources of information. Any reliance on the material on this site is at your own risk.

Personal Use Only The services offered on ibcfinancial.com are intended for personal use only, and you agree not to use the site or its content for commercial purposes without obtaining a license to do so from us or our licensors.

Disclaimer of Endorsement Reference herein to any specific commercial products, process, or service by trade name, trademark, manufacturer, or otherwise, does not necessarily constitute or imply its endorsement, recommendation, or favoring by IBC Financial. The views and opinions of authors expressed herein do not necessarily state or reflect those of IBC Financial, and shall not be used for advertising or product endorsement purposes. 

Copyright Infringement If you believe that your copyright work has been copied in a way that constitutes copyright infringement, please provide our Copyright Agent the following information: a description of the copyrighted work that you claim has been infringed; a description of where the material that you claim is infringing is located on the site; your address, telephone number, and email address; a statement by you that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

Limitations on Linking and Framing You may not create frames around our Webpages that alter in any way the visual presentation or appearance of our Website without prior approval and written permission. You are permitted to create hyperlinks to the content on this website, provided that the link does not portray IBC Financial, its affiliates, or their products or services in a false, misleading, derogatory, or otherwise offensive matter.

Indemnity You agree to indemnify, defend, and hold harmless IBC Financial, its officers, directors, employees, agents, licensors, suppliers, and any third-party information providers to the Service from and against all losses, expenses, damages, and costs, including reasonable attorneys' fees, resulting from any violation of this agreement by you.

Entire Agreement These terms and any policies or operating rules posted by us on this site or in respect to the service constitute the entire agreement and understanding between you and us and govern your use of the service, superseding any prior or contemporaneous agreements, communications, and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the terms).
Effective Date This Legal Notice & Disclaimer is effective as of 22-06-2024 and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page.

Contact Information For any questions regarding this Legal Notice & Disclaimer, please contact us at the provided communication channels as detailed on our Contact Us page. Please direct all communications to our partner, CWCC.ca, for processing and response.

Trademark Notice "The Infinite Banking Canada®" is a registered trademark in Canada and is distinct from "The Infinite Banking Concept®". These terms should not be confused, as they represent different entities and concepts.

Clarification on Creating Your Own Bank Creating your own bank with Infinite Banking involves using specially designed whole-life insurance policies as financial management tools. This strategy does not involve establishing a "Traditional Canadian Bank" regulated by the Chartered Bank of Canada or securing a bank charter from the Ministry of Finance of the Canadian government. Instead, it utilizes whole-life insurance to safeguard and manage personal funds effectively. 

Note on Educational and Marketing Material The content provided on this website is primarily for educational and marketing purposes. While we strive for accuracy and completeness, IBC Financial does not guarantee the reliability, suitability, availability, or accuracy of the information provided. Users should not solely rely on this information for making financial decisions; instead, it is advisable to seek further professional guidance. 

Advisory on U.S. Content Please note that some videos and content referenced may have been produced in the United States and involve products specific to the U.S. financial and taxation systems. While our approach in Canada is similar, it utilizes Canadian life insurance policies and adheres strictly to Canadian tax legislation. 

Legal Disclaimer By accessing this website, you acknowledge that the information provided is not intended to serve as financial, legal, tax, or accounting advice and should not be taken as a substitute for professional consultations. Users are encouraged to consult with licensed professionals such as financial advisors, tax lawyers, or accountants before making any financial decisions based on the information found on this website. 

Indemnification and Responsibility By using this website, you agree to indemnify and hold harmless IBC Financial and its affiliates, officers, agents, and employees from any claims, damages, liabilities, costs, and expenses arising from your use of the information provided. Decisions based on content from this site are at your own risk and responsibility.

Acceptance of Terms Your continued use of this website indicates that you have read, understood, and agreed to be bound by these terms and conditions. If you do not accept these terms, you are advised not to use the information or engage with the services offered through this site.