Terms of Service
Terms and Conditions Scope
These Terms of Service govern your use of AltaNova Holdings' investment services, website, and platform. By accessing our services or using our website, you agree to be bound by these terms and all applicable laws and regulations. These terms establish the legal framework for our professional investment relationship and outline the rights, responsibilities, and obligations of both parties.
Please read these terms carefully before using our services. If you do not agree with any part of these terms, you should not use our services or website. These terms are effective as of August 1, 2025, and may be updated periodically to reflect changes in our services or legal requirements.
Service Usage Terms
Acceptable Use Policy
You agree to use our investment services and website only for lawful purposes and in accordance with these terms. Acceptable use includes accessing investment information for legitimate investment purposes, communicating with our team through proper channels, participating in educational content and market analysis, and maintaining accurate account information and documentation.
You must not attempt to gain unauthorized access to any part of our systems, interfere with other users' access to our services, transmit malicious code or harmful content, use our services for fraudulent or illegal activities, or misrepresent your identity or investment objectives. Violation of these usage guidelines may result in immediate termination of services and potential legal action.
User Responsibilities and Obligations
As a user of our services, you are responsible for providing accurate and complete information during account setup and ongoing service delivery, maintaining the confidentiality of your account credentials and personal information, promptly notifying us of any changes to your financial situation or investment objectives, and complying with all applicable laws and regulations related to investment activities.
You acknowledge that investment decisions are ultimately your responsibility and that you should carefully consider all risks before making investment commitments. You agree to review all investment documentation thoroughly and seek independent professional advice when appropriate. You are also responsible for understanding the tax implications of your investment activities.
Service Availability and Limitations
Our services are provided on an "as available" basis, and we strive to maintain continuous access to our platform and investment services. However, we reserve the right to modify, suspend, or discontinue services at any time for maintenance, upgrades, or business reasons. We will provide reasonable notice of planned service interruptions when possible.
Service availability may be affected by factors beyond our control, including internet connectivity issues, market conditions, regulatory requirements, and technical difficulties. We are not liable for temporary service interruptions or their impact on investment activities, provided we make reasonable efforts to restore services promptly.
Account Terms and Conditions
Investment accounts are subject to minimum investment requirements, ongoing fees as disclosed in our fee schedule, regular account reviews and suitability assessments, and compliance with know-your-client and anti-money laundering requirements. Account holders must be of legal age and have the legal capacity to enter into investment agreements. Corporate accounts require additional documentation and authorization procedures. Account terms may be modified with appropriate notice as required by applicable regulations and our client agreements.
Legal Obligations and Conduct
User Conduct Requirements
All users must conduct themselves professionally and ethically when using our services. This includes providing truthful information in all communications, respecting the intellectual property rights of AltaNova Holdings and third parties, maintaining confidentiality of non-public investment information, and treating our staff and other clients with courtesy and respect.
Users must not engage in market manipulation, insider trading, or other illegal financial activities, attempt to circumvent our security measures or compliance procedures, harass or threaten our staff or other users, or use our services to promote competing investment services without authorization. Professional conduct standards apply to all interactions with our firm.
Prohibited Activities
Certain activities are strictly prohibited when using our services, including attempting to hack, disrupt, or gain unauthorized access to our systems, sharing account credentials with unauthorized persons, engaging in money laundering or terrorist financing activities, and providing false or misleading information during account opening or ongoing service delivery.
Additionally, users may not use our services for activities that violate securities laws, manipulate market prices, engage in fraudulent investment schemes, or attempt to evade regulatory oversight. Violation of these prohibitions may result in immediate account termination, reporting to regulatory authorities, and potential legal action.
Content Guidelines and Restrictions
When communicating through our platform or providing content for investment purposes, you must ensure all information is accurate, relevant, and appropriate for professional investment discussions. Content must not contain offensive language, discriminatory statements, promotional material for competing services, or confidential information belonging to third parties.
We reserve the right to monitor communications for compliance and security purposes and to remove content that violates these guidelines. Users retain ownership of their original content but grant us necessary rights to process and store information for service delivery purposes.
Age Restrictions and Legal Capacity
Our services are available only to individuals who have reached the age of majority in their jurisdiction and have the legal capacity to enter into binding agreements. Users under 18 years of age are not permitted to use our services. Corporate users must have proper authorization and documentation to act on behalf of their organization. We may require additional verification for users in certain jurisdictions or for specific types of investments. Legal guardians or trustees may open accounts for eligible beneficiaries with appropriate documentation and authorization.
Service Limitations and Disclaimers
Disclaimer of Warranties
Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. While we strive to provide accurate information and reliable services, we do not guarantee that our website will be error-free, uninterrupted, or free from security vulnerabilities. Investment performance cannot be guaranteed, and past results do not predict future returns.
We disclaim all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. This disclaimer does not affect any statutory rights that cannot be waived under applicable law. We make reasonable efforts to ensure service quality but cannot guarantee perfect performance at all times.
Limitation of Liability
To the maximum extent permitted by law, AltaNova Holdings' liability for any damages arising from or related to our services is limited to the fees paid by you for the specific service that gave rise to the claim. We are not liable for indirect, incidental, special, consequential, or punitive damages, including lost profits or investment losses.
This limitation applies regardless of the legal theory under which damages are claimed and even if we have been advised of the possibility of such damages. Some jurisdictions do not allow limitation of liability for certain types of damages, so these limitations may not apply to you. Our liability limitations do not affect our regulatory obligations or fiduciary duties where applicable.
Service Modifications and Updates
We reserve the right to modify, update, or discontinue our services at any time with reasonable notice to clients. Service modifications may be necessary due to regulatory changes, technological updates, business restructuring, or market conditions. We will endeavor to minimize disruption to client accounts and provide alternative solutions when possible.
Major service changes will be communicated to clients with appropriate advance notice, typically 30 days for significant modifications. Emergency changes for security or regulatory compliance may be implemented with shorter notice periods. Continued use of services after modifications constitutes acceptance of the updated terms.
Termination Conditions
Either party may terminate the service relationship with appropriate notice as specified in individual client agreements. We may terminate services immediately for violations of these terms, regulatory non-compliance, fraud, or other serious misconduct. Upon termination, you will remain liable for any outstanding fees or obligations, and we will assist with orderly transfer of assets according to your instructions and applicable regulations. Certain provisions of these terms will survive termination, including liability limitations, dispute resolution procedures, and confidentiality obligations.
Legal Information and Dispute Resolution
Governing Law and Jurisdiction
These Terms of Service are governed by the laws of Canada and the province in which our principal office is located. Any legal disputes arising from or related to these terms or our services will be subject to the exclusive jurisdiction of the courts in that jurisdiction, unless otherwise required by applicable law or regulatory requirements.
For international clients, local laws may also apply to certain aspects of the service relationship, particularly regarding investor protection and tax obligations. We will comply with applicable international agreements and regulatory frameworks that govern cross-border investment services.
Dispute Resolution Procedures
We encourage resolution of disputes through direct communication with our client services team. If informal resolution is not successful, disputes may be subject to mediation or arbitration as specified in individual client agreements. Many investment-related disputes can be resolved through regulatory complaint processes with securities regulators or investor protection organizations.
For disputes involving investment advice or portfolio management, clients may have access to industry ombudsman services or regulatory complaint mechanisms. We will cooperate fully with authorized regulatory reviews and comply with any resulting determinations or recommendations.
Regulatory Compliance and Oversight
AltaNova Holdings operates under the oversight of Canadian securities regulators and complies with all applicable investment industry regulations. Our services are subject to regulatory examination and we maintain required insurance coverage and client protection measures. Clients have access to regulatory complaint processes and investor protection programs as provided by law.
We are committed to maintaining high standards of regulatory compliance and professional conduct. Regular compliance reviews ensure our practices meet evolving regulatory requirements and industry best practices. Clients will be informed of any material changes to our regulatory status or business operations.
Terms Modification Policy
These terms may be modified periodically to reflect changes in our services, legal requirements, or industry standards. Material changes will be communicated to users with reasonable advance notice, typically 30 days before the effective date. Continued use of our services after the effective date of modifications constitutes acceptance of the updated terms. Users who do not agree to modified terms may terminate their service relationship according to the procedures outlined in their client agreements. We maintain records of all term modifications and their effective dates for regulatory and client reference purposes.