Disclaimers

Sale of mutual fund securities are carried out through a Mutual Fund Dealer or Securities Firm duly authorized to distribute the same in the Province it is operating. The Mutual Fund Dealers Association of Canada (MFDA) is the Self-Regulating Body tasked upon to govern and regulate the sale of mutual fund securities through a Member Mutual Fund Dealer-Firm. HUB Capital, Inc. is a Member Firm of the MFDA.

Ajay Sehravat’s mutual fund sales practice is supervised by HUB Capital, Inc., their Mutual Fund Dealer-Firm. While Ajay Sehravat is an Approved Person to sell mutual fund products through their Dealer-Firm, Ajay Sehravat however, is an independent contractor & therefore, no employer-employee relationship exists between them and their Dealer-Firm.

Ajay Financial Group Inc. is a company separate and distinct from HUB Capital Inc. with the sole purpose of promoting and sale of life insurance products in the province of Ontario. All non-mutual fund businesses of Ajay Sehravat are undertaken through Ajay Financial Group Inc. and such activities are outside HUB Capital, Inc.’s supervision and responsibilities. Ajay Financial Group Inc. and/or Ajay Sehravat shall be the sole persons responsible for any claims, liability or other legal remedies that may arise from carrying out their business practice.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the simplified prospectus before investing. Mutual funds are not guaranteed and are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Fund values change frequently and past performance may not be repeated.

Labour Sponsored Funds have tax credits that are subject to certain conditions and are generally subject to recapture, if shares are redeemed within eight years.

Investors should educate themselves regarding securities, taxation or exchange control legislation, which may affect them personally.
This Internet Website does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make such offer or solicitation.

References in this Internet Website to third party goods or services should not be regarded as an endorsement of these goods or services. By accessing any of the links provided you will be leaving the Ajay Financial Group Inc. site. Ajay Financial Group Inc. is not responsible for the information contained on these websites.

This web site is for general information only and is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. Please consult Ajay Financial Group Inc. regarding your particular circumstances.
This web site is intended for Canadian residents only and the information contained herein is subject to change without notice. The owner and publisher of this Internet Website are not liable for any inaccuracies in the information provided.

Insurance Disclaimer

Insurance products provided as a life agent via multiple insurance carriers.

Relationship With Company (i.e.) Ajay Financial Group Inc. represents

No insurance company holds an ownership interest in Ajay Financial Group Inc., nor do we hold an interest in any insurance company.

Compensation

If you choose to purchase a product through Ajay Financial Group Inc., our firm will be paid a sales commission by the company that provides the product you purchase.

Our firm may receive a renewal (or service) commission if you keep that policy in force.
Our firm may also be eligible for additional compensation, such as bonuses, or non-monetary benefits, such as travel incentives, depending on various factors such as the volume or persistency of business that our firm places with a particular company during a given time period.

Conflict of interest

We take the potential of a conflict of interest seriously. We will notify you if there is a conflict of interest of which we become aware in regards to our recommendations to you or overall.

Recommendation will take into consideration, and will be based on our analysis of your financial security needs.
Personal Information & Money Laundering Act.

Should you choose to proceed with the insurance, the law requires us to verify all owners and third party identification(s), and all information obtained for the purpose of obtaining insurance will be held private and confidential and will never be used for any other reason.