Last Updated: May 22, 2018
None of Novalyfe.website, its owners, officers, directors, employees, subsidiaries, affiliates, licensors, service providers, content providers and agents (all collectively hereinafter referred to as “Novalyfe.website”) are financial advisers and nothing contained herein is intended to be or construed as financial advice.
Novalyfe.website, and website Novalyfe (http://Novalyfe.website) is not a registered investment adviser, does not provide personalized financial advice or act as a financial advisor, and not a broker-dealer. Novalyfe.website and Novalyfe.website exist for educational purposes only, and the materials and information contained herein are for general informational purposes only. None of the information provided in the website is intended as investment, tax, accounting or legal advice, as an offer or solicitation of an offer to buy or sell, or as an endorsement, recommendation or sponsorship of any company, security, or fund. The information on the website should not be relied upon for purposes of transacting securities or other investments.
You hereby understand and agree that Novalyfe.website does not offer or provide tax, legal or investment advice and that you are responsible for consulting tax, legal, or financial professionals before acting on any information provided herein. This report is not intended as a promotion of any particular products or investments and neither Novalyfe.website nor any of its officers, directors, employees or representatives, in any way recommends or endorses any company, product, investment or opportunity which may be discussed herein.
Information provided on this site and on affiliate locations are solely for anecdotal and educational purposes. Reasonable attempts have been made to provide fair, balanced, and reliable commentary, but it’s important to provide your own verification of the facts. Please exercise your own personal judgment at all times. You should not sign, commit to a legal obligation, or act upon any decision solely on my remarks or any of the opinions expressed on this website or affiliate sites. Always conduct a thorough investigation before making an important decision. You should consult with a professional where appropriate.
This site is directed to an audience who live under Canadian laws and provisions. The education and information presented herein is intended for a general audience and does not purport to be, nor should it be construed as, specific advice tailored to any individual. You are encouraged to discuss any opportunities with your attorney, accountant, financial professional or other advisors.
Your use of the information contained herein is at your own risk. The content is provided ‘as is’ and without warranties of any kind, either expressed or implied. Novalyfe.website disclaims all warranties, including, but not limited to, any implied warranties of merchantability, fitness for a particular purpose, title or non-infringement. Novalyfe.website does not promise or guarantee any income or particular result from your use of the information contained herein. Novalyfe.website assumes no liability or responsibility for errors or omissions in the information contained herein.
Do not view any formal or informal advice or commentary you view on this site as definitive or professionally accurate. While we do our best to ensure all information is accurate, mistakes might be made. Any references to third party products, rates, or websites are subject to change without notice. Novalyfe.website makes no representations as to the accuracy, completeness, suitability or validity of any information on this site and will not be liable for any errors or omissions in this information or any damages arising from its display or use. If you do spot any error in facts, grammar, or spelling, please let us know. We will make reasonable efforts to correct them.
Novalyfe.website will not be liable for any incidental, direct, indirect, punitive, actual, consequential, special, exemplary, or other damages, including, but not limited to, loss of revenue or income, pain and suffering, emotional distress, or similar damages, even if Novalyfe.website has been advised of the possibility of such damages. In no event will the collective liability of Novalyfe.website to any party (regardless of the form of action, whether in contract, tort, or otherwise) exceed the greater of $100 or the amount you have paid Novalyfe.website for the information, product or service out of which liability arose.
UNDER NO CIRCUMSTANCES WILL THE Novalyfe BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY YOUR RELIANCE ON THE INFORMATION CONTAINED HEREIN. IT IS YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION, OPINION, ADVICE OR OTHER CONTENT CONTAINED HEREIN. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC INFORMATION, OPINION, ADVICE OR OTHER CONTENT.
ANY AND ALL FORWARD LOOKING STATEMENTS HERE OR ON ANY OF OUR PROMOTIONAL MATERIALS ARE INTENDED TO EXPRESS OUR OPINION. ANY SUCH STATEMENTS ARE CONSIDERED ACCURATE THE TIME THEY WERE WRITTEN, BUT MAY NO LONGER BE AT THE CURRENT TIME OR IN THE FUTURE AND INVESTOR JUNKIE DISDAINS ANY DUTY TO UPDATE SAID STATEMENTS.
Readers of this site should always assume that all of the product reviews, product endorsements, and recommendations mentioned on this website are compensated in some way. In addition to the periodic affiliate referral payments generated through this site, Novalyfe may receive free products as well as monetary compensation. Novalyfe does attempt to take a reasonable and good faith approach to maintaining objectivity towards providing product and service referrals that are in the best interest of readers. Novalyfe does not include the entire universe of available financial services.
The bank listings that appear on this website may receive compensation from Bankrate and this website, which may impact how, where and in what order products appear. These listings do not include all companies or all available products. Neither Bankrate nor this website endorses or recommends any companies or products.
To ensure transparency of any stock, bond, mutual fund, or company, the site will disclose any long or short positions in any accounts owned by an author at the time of the initial posting. Without notice, the author can change positions at any time, after mentioned in such blog post. Positions will not be disclosed when discussing a specific sector (i.e. Technology). Novalyfe is not registered as a securities broker-dealer or an investment adviser either with the U.S. Securities and Exchange Commission or with any state securities regulatory authority.
Comments made by other individuals on this site are not owned by Novalyfe.website, and have no affiliation with their comment(s), nor agree necessarily with their statements. Visitor comments do not reflect the views of this site and do not assume any responsibility or liability for any user content, questions, comments or forum posts or for any claims, damages, or losses resulting from any use of the site or the materials contained therein.
Commentators may or may not have an agenda. It is the sole discretion of the site owner to determine if a posting should be removed. You can post anonymously, but Novalyfe.website does prefer you post with a consistent name. The comments are open so to add value to the posting; if your posting does not discuss the topic at hand, it may be removed. Try to keep comments short and to the point. 1000 word comments will get deleted. Guest posts are available for rebuttals.
Comments that are exact duplicates from other websites will be deleted. Spamming your comment among many websites is not permitted. Comments who do not leave a valid e-mail address will not get approved.
Vendors are encouraged to make comments in response to other reader/customer comments on Novalyfe. Employees and consultants of a reviewed vendor MUST disclose this statement in their comments or handle. Vendors who do not disclose this information will have their comments removed and banned from making future comments.
Any information we obtain from legitimate commentators is strictly confidential. This includes e-mail addresses, IP address, and actual names. They will not be revealed unless we receive a valid subpoena from a legitimate law enforcement agency or court of law.