Terms of Service

1. Who We Are

This website is operated by Burnabilly Investments Inc., a registered investment firm in Ontario.

Burnabilly Investments Inc. is a corporation incorporated under the laws of the Province of Ontario, Canada, with its registered office at 990 Colonel By Drive, Ottawa, Ontario K1S 2R2. The firm is registered as a Portfolio Manager and Investment Fund Manager with the Ontario Securities Commission (OSC) under National Instrument 31-103, Registration No. PM-2006-0847 and Investment Fund Manager Registration No. IFM-2009-1203.

Throughout these Terms of Service, "Burnabilly," "we," "us," and "our" refer to Burnabilly Investments Inc. "You" and "your" refer to any individual or entity accessing or using this website.

2. What This Website Is (And Isn't)

Nothing on this website constitutes investment advice directed at you personally.

The content provided on burnabillyinvestments.com — including market commentary, research articles, performance data, fee schedules, strategy descriptions, case studies, and all other informational materials — is published for general informational and educational purposes only. This content does not constitute a solicitation to buy or sell securities, an offer to provide investment advisory services, or personalized investment advice of any kind.

Formal investment advice from Burnabilly Investments Inc. requires the execution of a Portfolio Management Agreement and the development of a written Investment Policy Statement (IPS) tailored to your specific financial circumstances, objectives, risk tolerance, time horizon, and constraints. No content on this website, regardless of specificity, creates an advisory relationship between you and Burnabilly.

Any references to specific securities, portfolio strategies, performance outcomes, or fee structures are illustrative. They reflect historical data or representative examples and should not be interpreted as recommendations applicable to your situation.

3. Your Account

If you use the client portal, you're responsible for your login credentials.

Certain areas of our website, including the Open Book client portal, are accessible only to registered clients through password-protected accounts. If you have been issued login credentials, you agree to:

• Maintain the confidentiality of your username and password.
• Accept responsibility for all activity conducted under your account credentials.
• Notify Burnabilly immediately (within 24 hours) of any unauthorized access, use, or suspected compromise of your account by contacting us at contact@burnabillyinvestments.com or (807) 876-1862.

We reserve the right to suspend or terminate access to any account that we reasonably believe has been compromised, is being used in violation of these terms, or poses a security risk to our systems or other users.

You may not share your credentials with third parties. If you require delegate access for a power of attorney, executor, or other authorized representative, contact your portfolio manager to arrange appropriately permissioned access.

4. Intellectual Property

Our research, reports, and content are ours — you can read them, but you can't redistribute them.

All content on this website, including but not limited to text, research notes, sector analyses, performance data, graphics, logos, page layouts, software code, and the "Open Book" reporting format, is the property of Burnabilly Investments Inc. or its licensors and is protected by Canadian and international copyright, trademark, and intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and view content on this website for your personal, non-commercial use. This license does not include permission to:

• Reproduce, copy, or duplicate content for distribution to third parties.
• Modify, adapt, or create derivative works based on our content.
• Use our research or performance data in marketing materials, presentations, or publications without prior written consent.
• Scrape, crawl, or systematically extract data from this website using automated means.

If you wish to reference or republish any of our research content, contact us at contact@burnabillyinvestments.com. We're generally happy to grant permission — we just want to know where it's going.

5. Accuracy of Information

We try to be accurate, but markets move and information changes.

Burnabilly makes reasonable efforts to ensure that information on this website is accurate, current, and complete at the time of publication. However, we do not warrant or guarantee that:

• All information is free from errors, omissions, or inaccuracies.
• Content will be updated in real time to reflect market movements, regulatory changes, or other developments.
• Performance data, fee schedules, or strategy descriptions will remain current following their publication date.

Market conditions, tax regulations, and securities legislation change. Content that was accurate at publication may become outdated. Dates of publication or last update are indicated where applicable.

You assume full responsibility for any decisions or actions taken based on information obtained from this website. Burnabilly shall not be liable for any direct, indirect, incidental, or consequential damages arising from reliance on website content. For decisions involving your specific portfolio, consult your Investment Policy Statement and speak with your assigned portfolio manager.

6. Third-Party Links

We link to other sites sometimes — we don't control them.

This website may contain hyperlinks to websites, platforms, or resources operated by third parties. These links are provided for convenience and informational purposes only. The inclusion of any third-party link does not imply endorsement, sponsorship, affiliation, or approval by Burnabilly Investments Inc.

We have no control over, and assume no responsibility for, the content, accuracy, privacy practices, or security of any third-party websites. You access third-party sites at your own risk and subject to those sites' respective terms of use and privacy policies.

If you discover that a link on our website leads to content that is inaccurate, harmful, or inappropriate, we'd appreciate you letting us know at contact@burnabillyinvestments.com so we can evaluate and remove it if warranted.

7. Limitation of Liability

We're not liable for losses from using this website.

To the maximum extent permitted by applicable law, Burnabilly Investments Inc., its directors, officers, employees, affiliates, and agents shall not be liable for:

• Any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this website or any content herein.
• Investment losses of any kind, whether or not arising from information, commentary, or data presented on this website.
• Errors, interruptions, delays, or defects in the operation of this website or the Open Book portal.
• Unauthorized access to or alteration of your data or transmissions.
• Any conduct, content, or actions of third parties linked to or referenced on this website.

This limitation applies regardless of the legal theory under which liability is asserted, including negligence, breach of contract, or strict liability, and regardless of whether Burnabilly has been advised of the possibility of such damages.

Nothing in these terms excludes or limits liability that cannot be excluded or limited under applicable Ontario or Canadian law, including liability for fraud or fraudulent misrepresentation.

8. Governing Law

Ontario law governs these terms.

These Terms of Service and any disputes arising from or related to your use of this website shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.

You agree that any legal action, proceeding, or dispute arising under these terms shall be brought exclusively before the courts of the Province of Ontario, located in the City of Ottawa. You consent to the personal jurisdiction of such courts and waive any objection to venue or inconvenient forum.

9. Changes to Terms

We may update these terms and will post changes here.

Burnabilly reserves the right to modify, amend, or replace these Terms of Service at any time. Changes will be effective upon posting to this page, with the "Last updated" date revised accordingly.

For material changes — those that substantively alter your rights or obligations — we will make reasonable efforts to provide notice, which may include a banner notification on the website or, for existing clients, email notification to the address on file.

Your continued use of this website following the posting of changes constitutes your acceptance of the revised terms. If you do not agree with updated terms, you should discontinue use of the website.

We encourage you to review this page periodically. We'll keep a straight face and pretend that's a realistic expectation.

10. Contact

Here's how to reach us if you have questions about these terms.

Burnabilly Investments Inc.
990 Colonel By Drive
Ottawa, Ontario K1S 2R2
Canada

Phone: (807) 876-1862
Email: contact@burnabillyinvestments.com

For questions specific to compliance or regulatory matters, you may also contact Saoirse Doherty, Operations & Compliance Manager, at the same email address.