TERMS AND CONDITIONS OF USE OF THIS WEBSITE AND INFORMATION CONTAINED

Effective Date: [April 30, 2025]

This website (“www.gordcollins.com”) is provided by Gord Collins for general informational purposes only. By accessing or using this Site, you agree to be bound by the following Terms and Conditions, as well as all applicable laws and regulations. If you do not agree with these Terms, you should not use this Site.

1. No Investment or Legal Advice

All content provided on or through this Site (“Content”) is for general informational purposes only and does not constitute legal, tax, investment, financial, or other professional advice. The Content is not intended as a solicitation, recommendation, or offer to buy or sell any securities or financial instruments in any jurisdiction where such an offer or solicitation would be unlawful. Gord Collins does not accept payments for recommendations, promotion, or sales support for money.

You are solely responsible for evaluating the risks and merits of any stock market or other securities and investing related information provided and should consult with appropriate professionals before making any financial decisions. Gord Collins does not act as a fiduciary due to your access to or use of the Site or Content.

By using this Site, you agree not to hold Gord Collins liable for any decisions or actions you take based on the Content provided.

2. Investment Risk Disclosure

Investing in securities involves risk, including the risk of loss. Investment products such as stocks, bonds, mutual funds, ETFs, and money market funds may lose value. High-risk investments may employ leverage, increasing potential gains and losses. Foreign investments carry additional risks including currency, political, and economic risk. Past performance is not indicative of future results.

3. Third-Party Websites

This Site may contain links to third-party websites. These links are provided for your convenience only. HII has no control over, and assumes no responsibility for, the content, policies, or practices of any third-party websites. The inclusion of a link does not imply endorsement or affiliation by HII.

Access to and use of any third-party websites is entirely at your own risk and subject to the terms and conditions of those sites.

4. Cookies and Data Collection

This site uses cookies and similar technologies to analyze website usage, improve user experience, and support Site functionality. Cookies, provided by several Data Analytics Solutions used may collect non-personally identifiable information such as browser type, IP address, time of access, and pages visited. Some cookies are essential for Site performance.

You may manage cookie preferences through your browser settings. For more information about cookies, visit www.aboutcookies.org.

5. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. HII DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY.

HII does not guarantee that the Site will be secure, error-free, uninterrupted, or that any content is current or complete.

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HII SHALL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING OUT OF YOUR ACCESS TO OR USE OF (OR INABILITY TO USE) THIS SITE OR CONTENT.

Your sole remedy for dissatisfaction with the Site is to stop using it.

7. Intellectual Property and Limited License

All Content on this Site is the property of HII or its licensors and is protected by intellectual property laws. You may access and use the Site for personal, non-commercial purposes only. You may not copy, distribute, modify, reverse engineer, or create derivative works from the Site or its Content without prior written consent from HII.

All trademarks, logos, and service marks displayed on the Site are the property of HII or their respective owners. No license or right is granted to use any mark without written authorization.

8. Electronic Signatures and Communications

By using the Site, you consent to receive communications from HII electronically. You agree that any affirmations, consents, or agreements you provide electronically through the Site constitute your legal signature and are binding as if provided in writing.

9. Termination of Access

HII reserves the right, at its sole discretion, to restrict, suspend, or terminate your access to the Site at any time and without notice. HII is not liable for any termination of access or for the loss of any data or files associated with your use of the Site.

10. Rules of Conduct

You agree not to:

• Use the Site for any unlawful purpose.

• Attempt to gain unauthorized access to any portion of the Site.

• Interfere with the Site’s operation or security.

• Frame, mirror, or scrape any content from the Site.

• Reproduce or commercially exploit the Site or its Content without prior written permission from Gord Collins.

• Post or transmit any material that is unlawful, defamatory, or infringes on third-party rights.

11. Governing Law and Jurisdiction

These Terms are governed by the laws of Canada, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts located in [Ontario, Canada] for any dispute related to your use of this Site.

12. Modifications to Terms

Gord Collins reserves the right to modify these Terms at any time. Any changes will be effective immediately upon posting. Your continued use of the Site after changes are posted constitutes your acceptance of the modified Terms.