Terms of Use

Please read these terms and conditions of use carefully before using or obtaining any materials, information, or services through this site. M4T/FDCI provides access to and use of this site ("Website") subject to your acceptance of these terms and conditions ("Terms"). By accessing, using, or obtaining any data, materials, information, products, services, or other content (collectively, "Content") through this Website you acknowledge that you have read and understand these Terms and agree to abide by them. If you do not accept or understand all of these Terms, do not access or use this site and cease your current access.


Money for Tomorrow Wealth Management (“M4T/FDCI”) is registered to trade mutual fund securities in Ontario, Manitoba, Saskatchewan, Alberta, British Columbia, and Saskatchewan. This Website is not intended as a solicitation for mutual fund securities or insurance in any jurisdiction where M4T/FDCI or its subsidiaries are not licensed. Furthermore, this website is not intended as a solicitation in any jurisdiction except Saskatchewan. Saskworks is only available to Saskatchewan residents.


M4T/FDCI and its content providers ("Providers") own and have copyrights on this Website and all of the Content. You warrant that you will not copy, reproduce, republish, upload, post, transmit, distribute, sell, transfer, or modify any of the Content. You are granted a limited, non-exclusive, non-transferable, and revocable license to download, display, and print one (1) copy of the Content on a single computer for your personal, non-commercial use.

Trademarks, logos, and service marks displayed on the Website ("Marks") are the registered or common law Marks of M4T/FDCI or it’s Providers. Your use of and access to the Website does not grant you any license or right to use any of the Marks. You will not use any technological means such as robots, spiders, or other devices to monitor materials available through the Website.

No Advice

The information contained on this website is provided on the understanding that M4T/FDCI is not providing financial, legal, tax or accounting advice. As such, it should not be used or relied upon as a substitute for consultation with professional financial, legal, tax or accounting advisors.


By using this Website, you warrant that you are at least 18 years of age and can enter into binding contracts for mutual funds, insurance or other goods. If you are less than 18 years of age, you may not use the Website and you must leave immediately. You are responsible for maintaining the confidentiality of any passwords, login names, or other information associated with your use of this Website.

You may not use the Website for any false or fraudulent purpose. You are also forbidden from using this Website to post or transmit any unlawful, threatening, libelous, defamatory, obscene, indecent, inflammatory, pornographic or profane material, or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. You may not use any device, software, or routine that interferes or attempts to interfere with the normal operation of our site or take any action that imposes an unreasonable load on M4T/FDCI’s computer equipment. Finally, you may not use the Website for any purpose that is unlawful or otherwise prohibited by these Terms.

M4T/FDCI reserves the right, at any time and without advance notice or liability, to terminate your access to the Website or any component therein.


Your use of the Website is subject to our Privacy Policy. Your acceptance of these Terms indicates your consent to the Privacy Policy as well.

Links to Other Websites - No Endorsements

Certain links on this website connect to other websites maintained by third parties over whom M4T/FDCI has no control. References in this Website to third party goods or services should not be regarded as an endorsement of these goods or services. By accessing any of the links provided, you will be leaving this website. M4T/FDCI makes no representations or warranties as to the accuracy, completeness or any other aspect of the information contained on those websites. Access to these sites is at your own risk.


Under no circumstances should you regard any information you may access in this Website as a recommendation, advice, or complete description of any products, service, or plan.


M4T/FDCI, and its providers, make no warranty of any kind regarding the website and/or the content. The website and content are provided "as-is". M4T/FDCI expressly disclaims any representation or guarantee that the website will be error-free, secure, or uninterrupted. M4T/FDCI further disclaims any warranty as to the accuracy, completeness, and currency of any the content on this website. M4T/FDCI and its providers expressly disclaim all warranties and conditions, including implied warranties and conditions of merchantability, fitness for a particular purpose, title, non-infringement, and those arising by statute or otherwise in law of from a course of dealing or usage of trade. Some jurisdictions do not allow the disclaimer of implied warranties, so this warranty disclaimer may not apply in whole or in part to you.

Limitation of Liability

M4T/FDCI and its providers will not be responsible or liable for:

  1. Any damages to or viruses that may infect your computer equipment or other property as the result of your access to, use of or browsing in our site or your downloading of any content; or
  2. Any injury, loss, claim, damage, or any special, exemplary, punitive, indirect, incidental or consequential damages of any kind (including without limitation lost profits or lost savings), whether based in contract, tort, strict liability or otherwise, that arises out of or is in any way connected with
    • Any use of the website or the content found therein;
    • Any failure or delay (including without limitation the use of or inability to use any component of this site for reservations or ticketing), or;
    • The performance or non-performance by us or any provider, even if we have been or a provider has been advised of the possibility of damages to such parties or any other party. This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortious behavior, negligence, or under any other cause of action.


The laws of Saskatchewan, excepting its conflicts of law principles, govern these Terms. Any dispute arising out of this site shall be subject to the exclusive venue of a court of competent jurisdiction in Regina, Saskatchewan. The headings in these Terms are for convenience and reference and shall have no legal effects. Any failure by M4T/FDCI to act with respect to you or another person's breach of these Terms will not constitute a waiver with respect to future or similar breaches. If a court finds any of these Terms to be unenforceable or invalid, that Term will be enforced to the fullest extent permitted by applicable law and the other Terms will remain valid and enforceable. These Terms, together with those items incorporated by reference, constitute the entire agreement between us relating to your use of the site and replaces any prior oral or written understandings or agreements.


M4T/FDCI reserves the right to change these Terms from time to time and in its sole discretion. If these Terms change, the revised Terms will be posted at the "Terms and Conditions" link on the Website’s home page. Any material changes to the Terms will be brought to your attention when you next visit the site.