Important Disclosures

Open Concept Financial Group ("Open Concept") is an Ontario-based corporation dedicated to providing insurance solutions and financial advisory services. We operate as an Associate General Agent (AGA) within the Managing General Agency (MGA) of Meritrust Financial Group Inc., one of Canada’s leading providers of insurance and financial products.

Each of our agents at Open Concept Financial Group is fully licensed and registered according to Ontario's regulatory standards. This ensures that our team meets all the necessary qualifications to provide you with the best insurance and financial advisory services. Our commitment to compliance ensures that we offer personalized advice and services, tailored to meet the specific needs of our clients in Ontario. Open Concept is here to serve your unique financial needs with the highest standards of integrity and professionalism.

Terms of Use

Before using our website at https://www.openconceptfg.com/ (the “Website”), please take a moment to read these terms and conditions (the “Terms”). By accessing the Website, you confirm that you’ve read, understood, and agree to be bound by these Terms. If you don’t agree with these Terms, please stop using the Website and any services or information provided through it immediately.

When we say “you” or “your,” we’re referring to you and any organization you’re representing when you use our Website. You may download or print a copy of these Terms for your records.

Open Concept reserves the right to change, modify, add, or remove portions of these Terms at any time, for any reason. We recommend reviewing these Terms periodically for updates. By continuing to access the Website after changes are posted, you agree to the revised Terms.

Last updated: July 19, 2024.

Risk Disclosure

Different types of investments involve varying degrees of risk. It should not be assumed that the future performance of any specific investment or investment strategy will be profitable. Asset allocation may be used to manage risk and enhance returns, but it does not guarantee a profit or protect against loss. The performance of asset allocation strategies depends on the underlying investments.

This website is intended to provide general information about Open Concept and its services. It is not intended to offer or deliver investment advice. Information regarding our investment services is provided solely to help you understand our investment philosophy and strategies and to enable you to contact us for further information.

Market data, articles, and other content on this website are based on generally available information and are believed to be reliable. However, Open Concept does not guarantee the accuracy of the information contained on this website. The information is of a general nature and should not be construed as investment advice.

Please remember that it is your responsibility to inform Open Concept, in writing, of any changes in your personal or financial situation or investment objectives so that we can review, evaluate, and revise our previous recommendations and/or services. If you would like to impose, add, or modify any reasonable restrictions on our investment advisory services, please let us know.

Open Concept will provide all prospective clients with a copy of our current Disclosure Brochure. You may obtain a copy of these disclosures by contacting us at https://www.openconceptfg.com/contact to request a free .pdf or hardcopy.

Privacy Disclosures

Open Concept is committed to safeguarding the use of personal information of our Clients (also referred to as “you” and “your”) that we obtain as your financial advisor, as described in our Privacy Policy.

Open Concept does not collect personal non-public information through this Website; however, the Advisor may collect information from you on application forms, agreements, profiles, investment policy statements, and other documents received or processed in relation to services we provide. We also may collect information from other sources.

We do not respond to "do not track" requests because we do not track you over time or across third-party Websites to provide targeted advertising. We may track you across our Website to help us improve our content.

We may use "cookies" and similar online technologies to keep, and sometimes track, information about you regarding your usage of our Website. Cookies are small data files that are sent to your browser or related software from a Web server and stored on your device. Cookies help us to collect information about your usage of our Website, including the date and time of visits, pages viewed, amount of time spent on our site, or general information about the device used to access the site, such as the browser used. You can refuse to store or delete cookies by configuring your web browser settings. Most browsers and mobile devices have their own settings to manage cookies. If you refuse a cookie when on our Website, or if you delete cookies, you may experience some inconvenience in your use of our Website, such as having to re-configure preferences.

When you are on this Website you may have the opportunity to click-through to other Websites, including Websites operated by unaffiliated third parties. These sites may collect nonpublic personal information about you. We do not control sites operated by these entities and are not responsible for the information practices of these sites. This Privacy Policy does not address the information practices of other Websites. The privacy policies of Websites operated by third parties are located on those sites.

For a copy of the Open Concept Privacy Policy, please click on the link https://www.openconceptfg.com/contact.

Email Disclosures

Open Concept frequently communicates with clients and prospective clients through electronic mail (“email”) and other electronic means. Your privacy and security are very important to us. Open Concept makes every effort to ensure that email communications do not contain sensitive information. We remind our clients and others not to send private information to Open Concept over email. If you have sensitive data to deliver, we can provide secure means for such delivery.

As a registered entity in Canada, Open Concept emails may be subject to inspection by the Chief Compliance Officer (“CCO”) of Open Concept or Canadian securities regulators.

If you have received an email from Open Concept in error, we ask that you contact the sender and destroy the email and its contents.

If you have any questions regarding our email policies, please contact us at https://www.openconceptfg.com/contact.

Social Websites

Open Concept may utilize third-party websites, including social media platforms, blogs, and other interactive content. Open Concept considers all interactions with clients, prospective clients, and the general public on these sites to be advertisements under Canadian securities regulations. As such, Open Concept generally retains copies of information that Open Concept or third parties may contribute to such sites. This information is subject to review and inspection by the Chief Compliance Officer (CCO) of Open Concept or Canadian securities regulators.

Information provided on these sites is for informational and/or educational purposes only and is not, in any way, to be considered investment advice or a recommendation of any investment product. Advice may only be provided by Open Concept’s advisory persons after entering into an advisory agreement and providing Open Concept with all requested background and account information.

If you have any questions regarding our policies, please contact us at https://www.openconceptfg.com/contact.