Terms & Conditions

Engagement Aggreement

This Engagement Agreement is prepared to provide you with an understanding of the insurance services for you and our respective responsibilities in that process. You understand that the calculations, projections, advice and recommendations provided will be based on the information you provide. You comprehend these will be projections only and that the actual results can and will vary depending on a number of factors.

The development of any part of your insurance plan including your insurance plan is a process that requires a needs analysis review and monitoring to ensure that strategies remain consistent with your goals, needs and priorities. Any changes, such as marital status, employment status, health or other personal or financial circumstances should be communicated to me, in order to make necessary updates to your plan.

Our responsibilities include preparing a plan and making recommendations that are consistent with your goals, needs and priorities. As well, I will review and monitor the plan to make ongoing recommendations, as needed. The success of our relationship will be dependent upon each of us fulfilling our responsibilities and being accountable to each other.

Mutual Agreement

Your responsibilities as our client

1.       You will provide us (Harstin Financial Corporation) with the information necessary to complete the work identified under this agreement.

2.       You will keep us informed of any relevant information concerning your personal financial affairs which may have an impact on your situation.

3.       You have the option of basing your decisions on advice given, or seek other options from us that will allow you to achieve your objectives.

Our responsibilities as our Advisor

1.        We will advise you (our Client) what information is required to complete the work identified under the terms of this agreement and what information is required to maintain the ongoing planning activities.

2.       We will review your financial affairs and provide you with professional advice in the area covered by this agreement.

3.       We will, at all times, exercise reasonable, professional judgment and act in your best interest.

4.       We will provide proactive co-ordination of services for implementing the action plan.