Welcome to IMB Financial. By accessing or using our website and services, you agree to comply with and be bound by the following terms and conditions. Please read them carefully.

1. General Information

IMB Financial is a financial services company that provides personalized financial guidance, insurance solutions, mortgage support, and mentorship for financial advisors. Our services are intended to help individuals and families build stronger financial futures, and to support the professional development of financial advisors.

By using this website or our services, you acknowledge that you have read, understood, and agreed to these terms.

2. Services

IMB Financial offers:

- Financial Guidance: Personalized support for income protection, savings, investments, and overall financial security.

- Insurance Solutions: Life insurance, critical illness coverage, disability protection, and other income protection products.

- Mortgage Support: Assistance with mortgage planning, refinancing, pre-approval, and home financing guidance.

- Mentorship & Training: Programs and career opportunities for financial advisors seeking professional development.

All services are subject to applicable laws, regulations, and licensing requirements in Ontario and Canada.

3. Website Use

- Users may browse and access content for personal, non-commercial purposes.

- Any unauthorized use of our content, materials, or intellectual property is prohibited.

- IMB Financial is not responsible for any third-party content linked to from our website.

4. Professional Disclaimer

- IMB Financial provides general financial guidance and education. Individual circumstances may vary.

- Nothing on this website constitutes professional financial, insurance, or legal advice. You should seek advice from qualified professionals for your specific situation.

5. Privacy & Data

- IMB Financial respects your privacy and complies with applicable privacy laws.

- Any personal information collected through our website or services will only be used to provide our services and support your financial planning needs.

- For details, please review our Privacy Policy.

6. Limitation of Liability

- IMB Financial and its affiliates, agents, or employees shall not be liable for any damages arising from the use of our website or services.

- We strive to provide accurate and up-to-date information, but we cannot guarantee that all content is free from errors.

7. Contact Information

If you have any questions about these Terms & Conditions or our services, please contact us at:

Email: [email protected]

8. Changes to Terms

IMB Financial reserves the right to modify or update these Terms & Conditions at any time. Your continued use of the website or services constitutes acceptance of the updated terms.

Effective Date: November 21, 2025