Legal Notice

Important legal information about using this web site

Heritage Plans are sold by prospectus only.  This web site provides general information for educational purposes and is not intended to provide specific financial advice.  Not all relevant conditions and restrictions in connection with the Heritage Plans are included on the pages of this web site.  The prospectus contains important information concerning an investment in a Heritage Plan that you should read carefully before investing. Knowledge First Financial Inc. (""Knowledge First"") to distribute the Heritage Plans.
This site is for informational purposes only and is not intended to be a solicitation, offering or recommendation of any security, investment management service or advisory service. This web site, provided only for Knowledge First clients and prospective clients, does not purport to provide investment, tax or legal advice. Knowledge First does not suggest that the securities, products, or services discussed in this web site are suitable or appropriate for all investors.
The information on this site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation, or which would subject Knowledge First to any registration requirement within such jurisdiction or country. ​​The securities, products, or services discussed in this web site are not available for sale outside Canada.​

Accuracy of information and changes

The information provided by Knowledge First and other sources on the web site is believed to be accurate and reliable when placed on this site, but we cannot guarantee it is accurate or complete or current at all times. The material on this site, including any opinions expressed herein, are subject to change without notice. 


All information on the Knowledge First web site is protected under the copyright laws of Canada and/or other countries. No permission is granted to copy, distribute, modify, post, or frame any text, graphic, software code, user interface design or logos found on the pages of the Knowledge First web site. 


Heritage Plans and certain other names and designs used on this web site are registered trade-marks of Knowledge First. Any unauthorized use or modification of trade-marks or other content on the Knowledge First web site is strictly prohibited. 

Disclaimer of liability

Neither Knowledge First nor any of its affiliates warrants that the service on this web site will be uninterrupted or error free.  Decisions based on information contained on this web site are the sole responsibility of the visitor. In exchange for using the web site, the visitor agrees to hold Knowledge First harmless against any claims for damages (direct, indirect, special, consequential, exemplary or punitive) arising from the use or inability to use this web site and any decisions the visitor makes based on any of its content.


Any links to other Internet sites ("hyperlinks") are included as a convenience for our visitors. Knowledge First assumes no liability for the content or the presentation of linked web sites.  No representation or warranty is provided for any software that may be downloaded from this web site.


The web site sends visitors cookies, web bugs or pixel tags (“Cookies”), each of which is a small data file sent by this web site to your browser and which may be stored on your hard drive.  Cookies enable the web site to recognize you if you have previously used certain web site features (for example, language preference).  In addition, the Cookie may recall information so that you do not have to resubmit it and also updates web site information.  Your browser may give you the ability to set preferences for Cookies so that you are notified of attempts to send Cookies and/or you may decline to accept or delete them.  Non-acceptance of Cookies may impair your ability to access or use certain functionality of this web site or require you to enter or re-enter information each time you visit the web site.


Knowledge First adheres to the highest security measures on its Knowledge First web site.  Sensitive communication between you and this web site is always encrypted while in transit.  Conversely, email communications with Knowledge First are not subject to these security measures and therefore it is recommended that sensitive information such as account numbers, balances, passwords etc. should not be included in emails.  Knowledge First is not responsible for any damages you may suffer if you transmit confidential or sensitive information to us by email.