Terms & Conditions

Welcome to Novel Wealth!

Terms & Conditions

Last Updated: September 8, 2026

Welcome to Novel Wealth. These Terms and Conditions (“Terms”) govern your access to and use of the Novel Wealth website, communications, content, and related services.

By accessing or using this website, submitting information, booking an appointment, or otherwise interacting with Novel Wealth, you agree to these Terms. If you do not agree with these Terms, please discontinue using the website and services.

1. About Novel Wealth

Novel Wealth provides financial education, planning-related information, appointment scheduling, and access to financial professionals and related services.

Information presented on this website is provided for general informational and educational purposes. It should not be considered individualized financial, investment, tax, accounting, or legal advice unless provided through a separate written client agreement by a properly qualified professional.

2. Eligibility

You must be at least 18 years old or have reached the age of majority in your jurisdiction to use this website, submit your information, or participate in Novel Wealth’s SMS messaging program.

By using this website, you represent that you meet this requirement and have the legal capacity to agree to these Terms.

3. Website Use

You agree to use this website only for lawful purposes. You must not:

Use the website in violation of any applicable law or regulation.
Submit false, misleading, or fraudulent information.
Attempt to gain unauthorized access to the website, its systems, or another user’s information.
Introduce viruses, malicious code, or other harmful technology.
Copy, reproduce, republish, sell, license, or distribute website content without written permission.
Use the website in a manner that interferes with its security, availability, or proper operation.
Impersonate another person, company, or organization.

Novel Wealth reserves the right to restrict or terminate access to the website when these Terms are violated.

4. Intellectual Property

Unless otherwise stated, Novel Wealth and its licensors own or control the intellectual-property rights associated with the website and its content, including text, graphics, branding, logos, designs, videos, downloads, and other materials.

You may view and use the website content for your personal, noncommercial use. You may not reproduce, modify, distribute, sell, sublicense, or commercially exploit the content without prior written permission from Novel Wealth.

5. Information You Provide

You agree that information you submit through the website is accurate, current, and complete.

Your submission of personal information is governed by our Privacy Policy.

Submitting a form or requesting information does not automatically create a financial-advisor, fiduciary, investment-management, or other professional relationship. Any such relationship must be established through the appropriate written agreements and onboarding requirements.

6. Appointments and Communications

When you request information, schedule an appointment, or submit a website form, Novel Wealth may contact you using the information you provide.

Communications may include email, telephone calls, voicemail, and—when you have provided the required consent—SMS or MMS text messages.

You are responsible for ensuring that the email address and telephone number you provide belong to you and are accurate.

7. SMS Messaging Terms

Program Description

By providing your mobile phone number and expressly opting in, you agree to receive SMS and MMS text messages from Novel Wealth.

Messages may include:

Appointment confirmations and reminders.
Responses to questions and requests for information.
Customer-support communications.
Follow-up communications.
Account or service notifications.
Educational financial content.
Event or webinar information.
Occasional promotional or marketing offers.

Consent to receive marketing text messages is not a condition of purchasing any product or service.

Message Frequency

Message frequency varies depending on your requests, appointments, account activity, and interactions with Novel Wealth.

Message and Data Rates

Message and data rates may apply. Your wireless carrier’s messaging and data charges may apply to messages sent and received.

Opt-Out Instructions

You may cancel the SMS messaging program at any time by replying STOP to any message from Novel Wealth.

After texting STOP, you may receive one final confirmation message stating that you have been unsubscribed. You will receive no further SMS messages unless you provide consent and opt in again.

Requests containing words such as CANCEL, END, QUIT, STOP, STOPALL, or UNSUBSCRIBE may also be treated as opt-out requests.

Customer Support

For assistance with the SMS messaging program, reply HELP to any message.

You may also contact Novel Wealth using the following information:

Email: [email protected]
Telephone: +1 647-954-0012

Carrier Disclaimer

Carriers are not liable for delayed or undelivered messages.

Wireless carriers do not guarantee that alerts or text messages will be delivered. Delivery is subject to effective transmission by your wireless carrier and other service providers.

Supported Carriers

SMS and MMS availability may vary by wireless carrier, mobile device, and location. Novel Wealth is not responsible for limitations imposed by your carrier or device.

Age Requirement

You must be at least 18 years old or have reached the age of majority in your jurisdiction to participate in the Novel Wealth SMS messaging program.

Mobile Privacy

Novel Wealth’s collection and use of information obtained through the SMS messaging program are governed by our Privacy Policy.

Mobile information, phone numbers, SMS consent records, and opt-in data will not be sold, rented, or shared with third parties or affiliates for their marketing or promotional purposes.

Information may be shared with service providers, telecommunications providers, messaging platforms, and other vendors when necessary to operate and deliver the SMS messaging program. These parties may use the information only to provide the applicable services.

SMS consent is specific to Novel Wealth and will not be transferred to unrelated third parties for their own marketing purposes.

8. Cookies and Website Technology

Novel Wealth may use cookies and similar technologies to operate the website, understand website activity, remember user preferences, and improve the visitor experience.

Certain service providers or advertising partners may also use cookies or similar technologies, subject to their respective privacy practices.

For additional information, please review our Privacy Policy.

9. Third-Party Links and Services

This website may contain links to websites, platforms, products, or services operated by third parties.

Novel Wealth does not control and is not responsible for the content, security, availability, accuracy, or privacy practices of third-party websites. The inclusion of a link does not necessarily constitute an endorsement.

Your use of a third-party website or service is governed by that third party’s terms and privacy policies.

10. Website Availability and Accuracy

Novel Wealth makes reasonable efforts to keep its website and information accurate and available. However, we do not guarantee that:

The website will always be available or uninterrupted.
All information will be complete, current, or error-free.
Website defects will always be corrected.
The website or its servers will be free from viruses or other harmful components.
Any particular result will be achieved from using the website or its information.

Novel Wealth may update, suspend, restrict, or discontinue any portion of the website without prior notice.

11. No Guarantee of Financial Results

Examples, illustrations, projections, educational materials, and discussions concerning financial outcomes are not guarantees of future performance or results.

Financial and investment decisions involve risk. Actual outcomes can differ based on market conditions, individual circumstances, fees, taxes, behavior, and other factors.

You should consult appropriately qualified financial, investment, tax, accounting, or legal professionals before making decisions based on your individual situation.

12. Limitation of Liability

To the fullest extent permitted by applicable law, Novel Wealth and its directors, officers, employees, representatives, affiliates, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from your access to or use of—or inability to access or use—the website.

Novel Wealth will not be responsible for losses resulting from:

Reliance on general website information.
Inaccurate information supplied by a visitor.
Website interruptions or technical failures.
Third-party websites, services, or platforms.
Delayed or undelivered email or text messages.
Unauthorized access occurring outside Novel Wealth’s reasonable control.

Nothing in these Terms excludes or limits a liability that cannot legally be excluded or limited.

13. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Novel Wealth and its directors, officers, employees, representatives, affiliates, and service providers from claims, liabilities, damages, losses, and reasonable expenses arising from:

Your misuse of the website.
Your violation of these Terms.
Your violation of applicable law.
Your infringement of another person’s rights.
False or misleading information you submit.

14. Changes to These Terms

Novel Wealth may revise these Terms periodically to reflect changes in its services, practices, technology, carrier requirements, or applicable laws.

The updated version will be posted on this page with a revised “Last Updated” date. Your continued use of the website following an update constitutes acceptance of the revised Terms.

Material changes affecting the SMS messaging program will apply prospectively and will not replace any consent required by applicable law.

15. Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable, the remaining provisions will continue in full force and effect.

16. No Waiver

Novel Wealth’s failure to enforce any provision of these Terms does not waive its right to enforce that provision or any other provision later.

17. Governing Law

These Terms are governed by the applicable laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-law principles.

Any dispute arising from these Terms will be subject to the jurisdiction of the courts located in Ontario, unless applicable law requires otherwise.