Disclaimer and Policies

Benjamin Felix is an associate portfolio manager with PWL Capital Inc. and is securities-licensed by the Investment Industry Regulatory Organization of Canada (IIROC). Cameron Passmore is a portfolio manager with PWL Capital Inc. and is securities-licensed by the Investment Industry Regulatory Organization of Canada (IIROC).

The Rational Reminder is designed to be an educational resource and should not be taken as personalized investment advice, nor as a recommendation to buy or sell certain securities. The funds and portfolios discussed on the site are examples only and may not be appropriate for your individual circumstances.

Investing in index funds and ETFs will result in losses during any period where stock and/or bond markets decline. It is the responsibility of each individual to do the appropriate due diligence before investing in any index fund or ETF.

Use of this website

This website is owned and operated by Benjamin Felix and Cameron Passmore for your personal non-commercial use and information. Your use of this website is subject to the following terms and all applicable laws. By accessing and browsing this website, you accept, without limitation or qualification, these terms. If you do not agree with any of the terms, please do not use this website.

Exclusion of Warranties

Benjamin Felix and Cameron Passmore make no representation or warranty regarding the functionality or condition of this website, its suitability for use, or that its use will be uninterrupted or error-free. ALL MATERIAL OR INFORMATION ON THIS WEBSITE IS PROVIDED TO YOU “AS IS” WITHOUT WARRANTIES OF ANY KIND. WE DISCLAIM ALL WARRANTIES OR CONDITIONS, WRITTEN OR ORAL, STATUTORY, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OR CONDITIONS OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. These exclusions are in addition to any specific exclusions otherwise provided in these terms and conditions. To the extent that the jurisdiction to which you are subject does not allow exclusion of certain warranties, such exclusions which are not permitted do not apply.

Limitation of Liability

WE WILL NOT BE LIABLE FOR ANY DAMAGES, EITHER DIRECT OR INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL, FOR USE OF OR INABILITY TO USE MATERIAL, PRODUCTS OR SERVICES OF ANY KIND, DELAY OF OR PARTIAL DELIVERY, TERMINATION OF RIGHTS OR LOSS OF PROFITS, DATA, BUSINESS OR GOODWILL, WHETHER ON A CONTRACTUAL OR EXTRACONTRACTUAL BASIS, OR TO PROVIDE INDEMNIFICATION OR ANY OTHER REMEDY TO YOU OR ANY THIRD PARTY. This limitation of liability will not apply to claims relating to death or personal injury. Your sole and exclusive remedy is to discontinue using and accessing this website. To the extent that the jurisdiction to which you are subject does not allow any part of such limitation, such part does not apply.

Securities Disclaimer

Benjamin Felix and Cameron Passmore maintain securities licenses in Canada in the following jurisdictions:  Alberta, British Columbia, Manitoba, Newfoundland & Labrador, Nova Scotia, Ontario, Quebec, and Saskatchewan. This website does not constitute an offer or solicitation to residents of the US or the UK, or to anyone in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such a solicitation. The content of the Web pages of the Rational Reminder Site are for information purposes only unless there is a specific indication to the contrary. The content does not constitute an offer to sell or purchase goods or services by or from Benjamin Felix or Cameron Passmore. The services of Benjamin Felix and Cameron Passmore are only available to Canadian residents residing in provinces where they can be legally offered. These services are subject to the conditions defined in each individual applicable agreement. The content of these Web pages are the exclusive property of Benjamin Felix and Cameron Passmore and cannot be reproduced in whole or in part without the express consent of them except for your personal use.

Ownership and Confidentiality

Material on this website, including but not limited to text, images, illustrations, software, audio clips and video clips, is owned or otherwise provided by Benjamin Felix and Cameron Passmore, and Benjamin Felix and Cameron Passmore do not represent or warrant that such material does not infringe the rights of any other person or entity. You acknowledge that information or material which you provide electronically through your access to or usage of this website is not confidential or proprietary, except as may be required under applicable law, and acknowledge that unprotected e-mail communication over the Internet is subject to possible interception, alteration or loss. You also warrant that any information or material including ideas, concepts, know-how or techniques contained in this information which you provide to Benjamin Felix and Cameron Passmore electronically through your access to or usage of this website does not infringe the rights of any person or entity, and acknowledge that such information or material including ideas, concepts, know-how or techniques in this information may be used in whole or in part in any manner by Benjamin Felix and Cameron Passmore including, but not limited to, reproduction, retransmission, publication of such information or material for the commercial purposes of Benjamin Felix and Cameron Passmore or disclosure of your identity. Trademarks, logos and service marks (collectively, “Marks”) displayed on this website are registered or unregistered Marks, are the property of their respective owners, and may not be used without written permission of the owner of such Marks respectively. Any information or material contained on this website which may be reproduced pursuant to these terms must bear the proprietary rights notices which originally appear on or in conjunction with such information or material.

User Submission

Benjamin Felix and Cameron Passmore will accept or consider unsolicited ideas. If you do submit such to us, we will consider any feedback, comment, information, suggestions, ideas or materials you submit through or in connection with this website (an “idea”) non-confidential. By providing such ideas to us, you hereby agree that we shall have, at no charge, a non-exclusive, transferable, royalty free, worldwide right and license to copy, use, make derivative words of, display and distribute any copyrights and other intellectual property rights in and to, or based upon, the ideas. We shall agree to use and/or disseminate such ideas on an unrestricted basis for any purpose. You acknowledge that you are responsible for the ideas that you provide, and that you, not Benjamin Felix and Cameron Passmore, have full responsibility for the ideas, including their legality and copyright

Monitoring

Benjamin Felix and Cameron Passmore may monitor access to discussions and postings on and other activities relating to the site, and intervene in relation thereto but does not make any representation or warranty that it will do so. You consent to any such monitoring and intervention in the event Benjamin Felix and Cameron Passmore elect to do so.

Cookies

A cookie is a piece of data, typically encoded information about how and when you use a site and that a Web server creates when you visit a website. This data is placed on your computer hard drive in the form of a small text file.

There are two types of cookies: session cookies and persistent cookies. Session cookies are used only for the length of time you stay on the website. When you leave the site, they expire and are no longer active. Persistent cookies are more permanent and can be re-read when you return to the site that placed them on your computer. We use persistent cookies to identify previous visits to a new section of the website so that you are not required to view redirect information on subsequent visits.

The Rational Reminder website uses cookies to enable us to better serve you. You must enable cookies for this section of the website to function correctly. The Rational Reminder website does not use cookies to track any personal information about you, nor to collect any marketing data.

We do not and will not use cookies to retrieve data from your hard drive or to obtain your e-mail address or other personal information.

You may choose not to accept cookies by setting your browser options to inform you when cookies are being sent. Alternately, you can set these options to deny cookies altogether. Please note, however, that by not accepting cookies you may limit the functionality that we can provide to you when you visit our site.

Links

Links and references to other websites are provided to you as a convenience only. Benjamin Felix and Cameron Passmore have not reviewed and do not expressly or impliedly endorse other websites or any information or material, or the accessibility thereof, via such links, and does not assume any responsibility for any such other websites, information or material posted thereon, or products or services offered thereon.

Accuracy of Information

While we try to update the information or materials on this website as often as possible, no assurance is given that information or material on this website is up-to-date, accurate, error-free or complete.

Viruses

We does not represent or warrant that the information or materials, accessed from or through this website will be uninterrupted or free of errors, defects, viruses or other harmful components, or that any such problems which are discovered will be corrected.

Damage to Others

You agree not to introduce into or through this website any information or materials which may be harmful to others. Among other things, you agree not to include, knowingly or otherwise, any error or defect in material or information which may, among other things, be a libel, slander, defamation or obscenity, or promote hatred or otherwise give rise to a criminal offence or civil liability on the part of any person or entity.

Reserve of Rights

All rights not expressly granted in these terms are reserved to Benjamin Felix and Cameron Passmore. Nothing contained in these terms shall be construed as conferring by implication, estoppel or otherwise any license or right under any copyright, patent, trademark or other intellectual right of Benjamin Felix and Cameron Passmore or any other person or entity.

Governing Law

This site is controlled and operated by Benjamin Felix and Cameron Passmore from Ottawa, Ontario and these terms shall be governed by the laws of Ontario and the applicable laws of Canada without reference to principles of conflict of laws. You agree to be bound by such laws and to submit to the jurisdiction of the courts of Ontario in connection with the interpretation or application of these terms.

Changes to Terms

Benjamin Felix and Cameron Passmore may modify, alter or otherwise update the terms applicable to this website from time to time without notice, and you agree to be bound by such terms as are in effect at the time at which you access Rational Reminder website.

Jurisdiction

This website is controlled and operated by Benjamin Felix and Cameron Passmore from Ottawa, Ontario. Benjamin Felix and Cameron Passmore make no representation that materials on the website are appropriate or available for use in other locations. Those who choose to access this website from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.

Survival

These terms and conditions apply while you are accessing the website and remain in effect thereafter.