kaydaniel.com

TERMS AND CONDITIONS

Effective Date

Effective Date: June 9, 2026 | Last Updated: June 9, 2026

1. Acceptance of Terms

These Terms and Conditions (“Terms”) govern your access to and use of the services provided by KayDaniel Wealth (“we,” “our,” or “us”), including our financial literacy programs, intermediary referral services, and digital platforms (collectively, the “Services”).

KayDaniel Wealth operates as a financial literacy educator and referral intermediary under the Mortgage and General Insurance Associates (MGIA) network. We connect clients with licensed, independent asset management and insurance companies (“Licensed Providers”). KayDaniel Wealth does not hold client assets, underwrite insurance policies, or provide regulated investment advice in its own name.

By engaging our Services, attending our programs, or requesting a referral, you agree to be bound by these Terms in full. If you do not agree, please discontinue use of our Services.

2. About KayDaniel Wealth & Our Role

2.1 Financial Literacy Provider

KayDaniel Wealth delivers financial education programs, workshops, webinars, and one-on-one consultations designed to improve financial literacy. Our content is for informational purposes only and does not constitute regulated financial, investment, legal, or tax advice.

2.2 Intermediary & Referral Role

We act as an intermediary under MGIA, facilitating introductions between clients and Licensed Providers. Our role ends at the point of referral. All regulated advice and services are the responsibility of the Licensed Provider.

2.3 No Direct Product Sales

We do not sell, issue, or manage financial or insurance products. Any agreements are strictly between you and the Licensed Provider.

3. Description of Services

3.1 Financial Literacy Programs

We offer educational content covering personal finance, investment basics, insurance awareness, retirement planning, and wealth-building strategies.

3.2 Needs Assessment & Referral Services

We assess general financial goals to match clients with suitable Licensed Providers. This does not guarantee approval or outcomes.

3.3 Licensed Provider Network

Our MGIA network includes licensed financial and insurance companies operating under regulatory frameworks.

3.4 Educational Content — Not Advice

All content is educational only and should not be treated as financial, legal, or tax advice.

4. Client Obligations

By using our Services, you agree to:

  • Provide accurate information

  • Use services lawfully

  • Understand content is educational only

  • Conduct independent due diligence

  • Protect your account credentials

  • Avoid misrepresentation

  • Comply with all laws

5. Referrals to Licensed Providers

5.1 Consent to Referral

You authorize us to share relevant information with Licensed Providers when you request a referral.

5.2 Independent Relationship

Your relationship with Licensed Providers is separate from KayDaniel Wealth.

5.3 No Guarantee of Referral Outcome

We do not guarantee approvals, coverage, or product outcomes.

5.4 No Liability for Licensed Provider Actions

We are not responsible for actions, advice, or services of Licensed Providers.

6. Fees and Compensation

6.1 Financial Literacy Programs

Some programs may be free, others may be paid. Fees are disclosed before registration.

6.2 Referral Compensation

We may receive referral fees from Licensed Providers at no additional cost to you.

6.3 Third-Party Product Costs

All product costs are determined by Licensed Providers, not KayDaniel Wealth.

7. Intellectual Property

All content, branding, materials, and tools are owned by KayDaniel Wealth. You are granted a limited personal license only.

8. Disclaimers

  • Content is provided “as is”

  • No guarantee of accuracy or suitability

  • Past performance is not indicative of future results

  • Referrals do not guarantee outcomes

  • We are not licensed advisors or planners

9. Limitation of Liability

We are not liable for:

  • Financial losses from decisions made using our content

  • Actions of Licensed Providers

  • Indirect or consequential damages

  • Technical failures

  • Failure to do due diligence

10. Indemnification

You agree to hold KayDaniel Wealth harmless from claims, damages, or losses resulting from misuse of Services or breach of Terms.

11. Electronic Communications

You consent to receive emails, updates, and educational content electronically. You may unsubscribe anytime.

12. Termination

We may suspend or terminate access for violations of these Terms. Termination does not affect agreements with Licensed Providers.

13. MGIA Network Compliance

We operate under MGIA compliance standards and governance. Clients may raise concerns with MGIA or KayDaniel Wealth.

14. Governing Law & Disputes

These Terms are governed by the laws of the Province of [Insert Province], Canada. Disputes will be resolved through discussion, mediation, or legal process if required.

15. Amendments

We may update these Terms. Continued use of Services means acceptance of updated Terms.

16. Severability & Entire Agreement

If any part is invalid, the rest remains effective. These Terms, Privacy Policy, and agreements form the full contract.

17. Contact Us

KayDaniel Wealth
Email: info@kaydanielwealth.com
Phone: [Insert Phone Number]
Address: [Insert Business Address]
Website: www.kaydanielwealth.com