Terms of Use

Please read – Your acceptance of terms of use

First Atlantic Private Wealth sites are intended only for your personal, non-commercial use, unless you and First Atlantic Private Wealth Inc. have agreed otherwise in writing. Your use of all First Atlantic sites is subject to the following Terms of Use (the “Terms”). These terms govern your use of all websites operated by First Atlantic Private Wealth Inc. and any 'Social Media' sites which have been established and administered by First Atlantic Private Wealth Inc. The term “First Atlantic Sites” refers to all websites administered by First Atlantic Private Wealth Inc., as well as to the information and content on them. 'Social Media' refers to third-party websites which host the First Atlantic Private Wealth social media pages you are accessing.

About First Atlantic Private Wealth

First Atlantic Private Wealth Inc. (First Atlantic) was established in Newfoundland, Canada in 1992. First Atlantic offers mutual fund investments, and life, accident and sickness insurance services.  First Atlantic is independently owned and operated within the province of Newfoundland, Canada.


These terms are a binding contract between you and First Atlantic Private Wealth.  By using or accessing the First Atlantic Sites, you accept and agree to be bound by and comply with these terms.  Your use of First Atlantic Sites is governed by the version of the Terms in effect on the date a First Atlantic Site is accessed by you. The Terms also apply when you use technology other than a browser to access any features, functionality, content or information that is made available or provided on the Websites. These Terms are in addition to any other agreements between you and First Atlantic Private Wealth. First Atlantic may modify these Terms at any time without prior notice.  The most current version of this document can be found via the link at the bottom of each page on firstatlantic.ca. You agree to review the Terms regularly, and your continued use of the Websites means you accept the changes. First Atlantic Private Wealth may terminate your access to the First Atlantic Sites for any reason, without prior notice.

Changes to First Atlantic sites

First Atlantic Private Wealth may modify or remove the First Atlantic Sites at any time without prior notice to you. By continuing to use the First Atlantic Sites you accept the modifications. The information, material and content provided on the Website, is believed to be reliable when posted, but there is no guarantee that it is accurate, complete or current at all times. First Atlantic Private Wealth and its officers, directors, employees and agents ("FAF") have no obligation to update the Information.


It is important to note that First Atlantic Private Wealth Inc. provides services to residents of Newfoundland and Labrador, Canada. Products, services and information made available or provided on the Websites are intended only for the residents of the above noted jurisdiction. If you are not currently a resident of Canada, you should not access the information available on this website. In addition, the information on the Websites does not constitute an offer or solicitation to buy or sell any investment fund or insurance policy to anyone in any jurisdiction in which an offer or solicitation is not authorized or cannot legally be made, or to any person to whom it is unlawful to make an offer or solicitation. The Websites (and all content and information contained) and these Terms will be governed by and construed in accordance with the laws of the Province of Newfoundland and Labrador and the applicable laws of Canada. All disputes, controversies or claims arising out of or in connection with the Websites or the Terms shall be submitted to and be subject to the exclusive jurisdiction of the courts of the Province of Newfoundland and Labrador. You submit and attorn to the exclusive jurisdiction of the courts of the Province of Newfoundland and Labrador to finally adjudicate or determine any suit, action or proceeding arising out of or in connection with the Websites or the Terms.

No recommendations or advice

The information available on the Website is for informational purposes only and is not intended to provide specific financial, investment, insurance, tax, legal, accounting or other advice to you, and should not be acted or relied upon in that regard without seeking the advice of a professional. In addition, nothing on the First Atlantic sites should be construed as an offer to sell, a solicitation or an offer to buy or a recommendation of any security. The information is provided by sources believed to be reliable; however, any information, including performance data, is not guaranteed to be current, accurate or complete and is subject to change without notice. Your advisor can help to ensure that your own circumstances and preferences have been properly considered and any action is taken on the latest available information. Unless otherwise specified, you alone are solely responsible for determining whether any investment, security or strategy, or any other product or service is appropriate or suitable for you, based on your investment objectives and personal and financial situation.

No warranties

First Atlantic Private Wealth Inc. provides the Website and the Information on an "as is" and "as available" basis and do not make any express or implied warranties, representations, or endorsements with respect to the Websites or the information contained within. Further, First Atlantic Private Wealth does not represent or warrant that the Websites will be available, will be secure, will meet your needs, that access will be uninterrupted, that there will be no delays, usability problems, defects, incompatibility, failures, errors, omissions or data losses, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for taking appropriate precautions to protect your data and/or equipment.

No liability

First Atlantic Private Wealth is is not responsible, and will not be liable to you or anyone else, for any consequential, incidental, special or indirect damages arising out of or in connection with the Websites, or your ability or inability to access or use the Websites, or any action or decision made by you in reliance on the Websites, or any errors or omissions from the Websites, or any unauthorized use or reproduction of the Websites, even if First Atlantic Private Wealth has been advised of the possibility of these damages. First Atlantic will not be liable to you or anyone else for any loss resulting from a cause over which First Atlantic does not have direct control. This include failure of electronic or mechanical equipment or communications lines (including telephone, cable and internet), unauthorized access, viruses, theft, operator errors, severe or extraordinary weather (including flood, earthquake or other act of God), fire, war, insurrection, terrorist act, riot, labour dispute and other labour problems, accident, emergency or action of government.

Copyright policy

The Information is provided for your personal use, provided such use includes a reference or attribution as denoted on the pages copied. Unless otherwise stipulated, the Information may not be copied, displayed, distributed, licensed, modified, published, reposted, reproduced, sold, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of First Atlantic Private Wealth. The Information is protected under the copyright laws of Canada. If you believe that your work has been copied in a way that constitutes copyright infringement, please contact us.

Third party content and sites

First Atlantic Websites include general news and information, commentary, quotes, research and data concerning the financial markets, funds, insurance and other subjects. Some of that content is supplied by companies that are not affiliated with First Atlantic (“Third-Party Content”). Most Third-Party Content is available through hyperlinks to third-party websites (one exception being RSS feeds), and its source is clearly identified. In addition, First Atlantic Private Wealth does not review or control, and are not responsible for, any websites linked from or to First Atlantic Websites, the content of those websites, the privacy practices of those websites, the third parties named therein, or their products or services. First Atlantic therefore does not guarantee its accuracy, timeliness, completeness or usefulness, and is not responsible or liable for any content, advertising, products or other materials on or available from third-party sites. Links from another website to a First Atlantic website may not suggest that First Atlantic endorses, sponsors or is affiliated with any non-First Atlantic website, entity, service or product. Following a link to any other website is at your sole risk and First Atlantic Private Wealth will not be responsible or liable for any damages in connection with such linking. In addition, First Atlantic Private Wealth does not necessarily endorse or approve of any websites linked from or to the Websites, except for Websites belonging to First Atlantic Private Wealth Inc.

No endorsements

Unless specifically noted, any expressed views or opinions provided on the Website do not imply endorsement. No endorsement or approval of any third party or its advice, opinions, information, products or services is expressed or implied by the information and/or content of the First Atlantic Sites.

Information provided by you

You agree that any information or materials that you provide via the Websites shall become the sole property of First Atlantic Private Wealth. By providing such information, you declare and warrant that you have all necessary rights to submit such information and that the information and materials do not infringe the rights of third parties.

Internet Communication

Any unprotected electronic communication over the Internet is not secure or confidential, subject to possible interception or loss, and possible alteration. You should not send any confidential, proprietary or sensitive information about you or others via these mediums. First Atlantic Private Wealth is not responsible for and will not be liable to you or any one else for any damages in connection with an email, text message, comment, post or any other electronic message sent by you to First Atlantic Private Wealth, or an email, text message, comment post or any other electronic message sent by First Atlantic Private Wealth to you.  Some areas of the First Atlantic Websites utilize security measures to provide confidentiality and secure access to sensitive data.  The security measures are detailed on our "Security" page.

Secured sites

If you have a client ID for access to non-public areas of the First Atlantic sites, you are solely responsible for all activities that occur in connection with your ID. Accordingly, you should take steps to protect the confidentiality of your ID and associated password.  Notify First Atlantic Private Wealth immediately if you become aware of any disclosure, loss, theft or unauthorized use of your ID and password.

Social Media Terms of Use

By using the Social Media Pages and submitting any comments, photos, video links and/or other materials, you agree to be bound and comply with these Terms and the general terms of use applicable to the respective Social Media website. First Atlantic Private Wealth encourages you to visit, leave comments, and otherwise engage us on Social Media sites. Comments and materials posted to the Social Media sites may not represent the opinions of First Atlantic Private Wealth Inc. You agree that you will not post or submit any information of any kind on Social Media sites which can be classified as any of the following:
  • Anything defamatory, abusive, infringing, obscene, misleading, unlawful or which otherwise violates the legal rights (including the privacy) of others;
  • Anything that contains any unsolicited advertising, promotional materials, or other forms of solicitation;
  • Anything that falsifies the source of any information; or
  • Any personal financial information about yourself or others.
Comments or postings falling into any of the categories described above will be removed. First Atlantic Private Wealth will not be responsible or liable for the entities which own or operate the Social Media websites in any way, including being liable for any losses, or direct or indirect damages arising from any action or decision made by you or anyone else in reliance on the Social Media Websites.

Prohibited Uses

Do not use First Atlantic Sites in any manner that would interfere with any other party’s use of these sites. Some areas of the First Atlantic Sites are protected by passwords or require login. You may not obtain or attempt to obtain unauthorized access to such areas or to any other protected materials or information, through any means not intentionally made available by First Atlantic for your specific use. First Atlantic's Advisor Centre is for Advisor Use Only. If you are not an advisor registered with First Atlantic Private Wealth then access to the Advisor Centre is strictly prohibited. You should not access the First Atlantic sites through devices or services that are designed to provide high-speed, automated, repeated access.