Legal Information and Disclaimers

WEBSITE TERMS OF USE

Last Updated: May 9, 2012

We have produced this site for your enjoyment and education related to Internet marketing. We hope you enjoy your visit and return often. We collect your personal data so that we may serve you better and to communicate with you from time to time about your expressed interests or orders for product or services you may have with us. We want to inform you that we do not share your personal data with any third parties. You however may click on a link that takes you to a third party website and it is your responsibilty to inform yourself about all third party legal and privacy policies by reading the legal and privacy statements on those sites that you visit.

We ask that you agree to abide by the following Terms and Conditions. Take a few minutes to look them over because by using our site you automatically agree to them. Naturally, if you don’t agree, please do not use the site. We reserve the right to make any modifications that we deem necessary at any time. Please continue to check these terms to see what those changes may be! Your continued use of the PensionParadigm.com Web site means that you accept those changes.

THANK YOU FOR VISITING!

Restrictions on Use of Our Online Materials

All Online Materials on PensionParadigm.com site, including, without limitation, text, software, names, logos, trademarks, service marks, trade names, images, photos, illustrations, audio clips, video clips, and music are copyrighted intellectual property. All usage rights are owned and controlled by Pension Paradigm Solutions Inc. You, the visitor, may download Online Materials for non-commercial, personal use only provided you 1) retain all copyright, trademark and propriety notices, 2) you make no modifications to the materials, 3) you do not use the materials in a manner that suggests an association with any of our products, services, events or brands, and 4) you do not download quantities of materials to a database, server, or personal computer for reuse for commercial purposes. You may not, however, copy, reproduce, republish, upload, post, transmit or distribute Online Materials in any way or for any other purpose unless you get our written permission first. Neither may you add, delete, distort or misrepresent any content on PensionParadigm.com site. Any attempts to modify any Online Material, or to defeat or circumvent our security features is prohibited.

Everything you download, any software, plus all files, all images incorporated in or generated by the software, and all data accompanying it, is considered licensed to you by Pension Paradigm Solutions Inc. or third-party licensors for your personal, non-commercial home use only. We do not transfer title of the software to you. That means that we retain full and complete title to the software and to all of the associated intellectual-property rights. You’re not allowed to redistribute or sell the material or to reverse-engineer, disassemble or otherwise convert it to any other form that people can use.

Submitting Your Online Material to Us

All remarks, suggestions, ideas, graphics, comments, or other information that you send to Pension Paradigm Solutions Inc. through our site (other than information we promise to protect under our privacy policy becomes and remains our property, even if this agreement is later terminated.

That means that we don’t have to treat any such submission as confidential. You can’t sue us for using ideas you submit. If we use them, or anything like them, we don’t have to pay you or anyone else for them. We will have the exclusive ownership of all present and future rights to submissions of any kind. We can use them for any purpose we deem appropriate to our Pension Paradigm Solutions Inc. mission, without compensating you or anyone else for them.

You acknowledge that you are responsible for any submission you make. This means that you (and not we) have full responsibility for the message, including its legality, reliability, appropriateness, originality, and copyright.

Links to Other Sites

We sometimes provide referrals to and links to other World Wide Web sites from our site.Such a link should not be seen as an endorsement, approval or agreement with any information or resources offered at sites you can access through our site.If in doubt, always check the Uniform Resource Locator (URL) address provided in your WWW browser to see if you are still in a PensionParadigm.com-operated site or have moved to another site. Pension Paradigm Solutions Inc. is not responsible for the content or practices of third party sites that may be linked to our site. When Pension Paradigm Solutions Inc. provides links or references to other Web sites, no inference or assumption should be made and no respresentation should be inferred that Pension Paradigm Solutions Inc is connected with, operates or controls these Web sites. Any approved link must not respresent in any way, either explicitly or by implication, that you have received the endorsement, sponsorship or support of any Pension Paradigm Solutions Inc. site or endorsement, sponsorship or support of Pension Paradigm Solutions Inc., including its respective employees, agents, or directors.

Termination of This Agreement

This agreement is effective until terminated by either party. You may terminate this agreement at any time, by destroying all materials obtained from all Pension Paradigm Solutions Inc. Web sites, along with all related documentation and all copies and installations. Pension Paradigm Solutions Inc. may terminate this agreement at any time and without notice to you, if, in its sole judgment, you breach any term or condition of this agreement. Upon termination, you must destroy all materials. In addition, by providing material on our Web site, we do not in any way promise that the materials will remain available to you. And Pension Paradigm Solutions Inc. is entitled to terminate all or any part of any of its Web sites without notice to you.

JURISDICTION AND OTHER POINTS TO CONSIDER

If you use our site from locations outside of Canada, you are responsible for compliance with any applicable local laws.

These Terms of Use shall be governed by, construed and enforced in accordance with the laws of the Province of British Columbia, as it is applied to agreements entered into and to be performed entirely within such jurisdiction.

To the extent you have in any manner violated or threatened to violate Pension Paradigm Solutions Inc. and/or its affiliates’ intellectual property rights, Pension Paradigm Solutions Inc. and/or its affiliates may seek injunctive or other appropriate relief in any Provincial or Federal court in the Province of British Columbia, and you consent to exclusive jurisdiction and venue in such courts.

Any other disputes will be resolved as follows:

If a dispute arises under this agreement, we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: Vancouver, British Columbia. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us.

If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: Vancouver, British Columbia, Canada

All disputes arising out of or in connection with this agreement, or in respect of any legal relationship associated with or derived from this agreement, shall be arbitrated and finally resolved, pursuant to the National Arbitration Rules of the ADR Institute of Canada, Inc. [the Simplified Arbitration Rules of the ADR Institute of Canada, Inc.] The place of arbitration shall be[Vancouver, British Columbia, Canada]. The language of the arbitration shall be English.

Pension Paradigm Solutions Inc. may modify these Terms of Use, and the agreement they create, at any time, simply by updating this posting and without notice to you. This is the ENTIRE agreement regarding all the matters that have been discussed.

DISCLAIMER

Pension Paradigm’s website is to be used for educational purposes only. Pension Paradigm Solutions Inc. will not be held responsible for any misinterpretation or action taken that produces a negative result. Before taking any action, we suggest you consult with a professional RETIREMENT FUNDING SPECIALIST for advice.

OUR PRIVACY POLICY

Pension Paradigm Solutions Inc.

Pension Paradigm Solutions Inc. strives to offer its visitors the many advantages of Internet technology and to provide an interactive and personalized experience. We may use Personally Identifiable Information (your name, e-mail address, street address, telephone number) subject to the terms of this privacy policy. We will never sell, barter, or rent your email address to any unauthorized third party. Period.”

How we gather information from users

How we collect and store information depends on the page you are visiting, the activities in which you elect to participate and the services provided. For example, you may be asked to provide information when you register for access to certain portions of our site or request certain features, such as newsletters or when you make a purchase. You may provide information when you participate in sweepstakes and contests, message boards and chat rooms, and other interactive areas of our site. Like most Web sites, PensionParadigm.com also collects information automatically and through the use of electronic tools that may be transparent to our visitors. For example, we may log the name of your Internet Service Provider or use cookie technology to recognize you and hold information from your visit. Among other things, the cookie may store your user name and password, sparing you from having to re-enter that information each time you visit, or may control the number of times you encounter a particular advertisement while visiting our site. As we adopt additional technology, we may also gather information through other means. In certain cases, you can choose not to provide us with information, for example by setting your browser to refuse to accept cookies, but if you do you may be unable to access certain portions of the site or may be asked to re-enter your user name and password, and we may not be able to customize the site’s features according to your preferences.

What we do with the information we collect

Like other Web publishers, we collect information to enhance your visit and deliver more individualized content and advertising. We respect your privacy and do not share your information with anyone.

Aggregated Information (information that does not personally identify you) may be used in many ways. For example, we may combine information about your usage patterns with similar information obtained from other users to help enhance our site and services (e.g., to learn which pages are visited most or what features are most attractive). Aggregated Information may occasionally be shared with our advertisers and business partners. Again, this information does not include any Personally Identifiable Information about you or allow anyone to identify you individually.

We may use Personally Identifiable Information collected on PensionParadigm.com to communicate with you about your registration and customization preferences; our Terms of Service and privacy policy; services and products offered by Pension Paradigm Solutions Inc. and other topics we think you might find of interest.

Personally Identifiable Information collected by Pension Paradigm Solutions Inc. may also be used for other purposes, including but not limited to site administration, troubleshooting, processing of e-commerce transactions, administration of sweepstakes and contests, and other communications with you. Certain third parties who provide technical support for the operation of our site (our Web hosting service for example) may access such information. We will use your information only as permitted by law. In addition, from time to time as we continue to develop our business, we may sell, buy, merge or partner with other companies or businesses. In such transactions, user information may be among the transferred assets. We may also disclose your information in response to a court order, at other times when we believe we are reasonably required to do so by law, in connection with the collection of amounts you may owe to us, and/or to law enforcement authorities whenever we deem it appropriate or necessary. Please note we may not provide you with notice prior to disclosure in such cases.

Affiliated sites, linked sites

Through Pension Paradigm Solutions Inc. you may be introduced to, or be able to access, information, Web sites, features, contests or sweepstakes offered by other parties. Pension Paradigm Solutions Inc. is not responsible for the actions or policies of such third parties. You should check the applicable privacy policies of those third parties when providing information on a feature or page operated by a third party.

Contact Us

We can be reached by contacting:

Pension Paradigm Solutions Inc.

Phone 1-877-371-8100

Or use our Contact Form to send us an email.