{"id":881,"date":"2025-09-22T12:15:04","date_gmt":"2025-09-22T16:15:04","guid":{"rendered":"https:\/\/steinberg25.wpenginepowered.com\/?page_id=881"},"modified":"2025-11-12T16:51:11","modified_gmt":"2025-11-12T21:51:11","slug":"terms-conditions","status":"publish","type":"page","link":"https:\/\/steinbergwealth.com\/fr\/terms-conditions\/","title":{"rendered":"Modalit\u00e9s et conditions"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"881\" class=\"elementor elementor-881\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-94cd807 e-flex e-con-boxed e-con e-parent\" data-id=\"94cd807\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4cbfd68 e-con-full e-flex e-con e-child\" data-id=\"4cbfd68\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c7cf3ce e-n-tabs-mobile elementor-widget elementor-widget-n-tabs\" data-id=\"c7cf3ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"209515470\" aria-label=\"Tabs. Open items with Enter or Space, close with Escape and navigate using the Arrow keys.\" data-no-translation-aria-label=\"\">\n\t\t\t<div class=\"e-n-tabs-heading\" role=\"tablist\">\n\t\t\t\t\t<button id=\"e-n-tab-title-2095154701\" data-tab-title-id=\"e-n-tab-title-2095154701\" class=\"e-n-tab-title\" aria-selected=\"true\" data-tab-index=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-n-tab-content-2095154701\" style=\"--n-tabs-title-order: 1;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tEnglish\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-2095154702\" data-tab-title-id=\"e-n-tab-title-2095154702\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-2095154702\" style=\"--n-tabs-title-order: 2;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tFrench\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t<div class=\"e-n-tabs-content\">\n\t\t\t\t<div id=\"e-n-tab-content-2095154701\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-2095154701\" data-tab-index=\"1\" style=\"--n-tabs-title-order: 1;\" class=\"e-active elementor-element elementor-element-a149f01 e-con-full e-flex e-con e-child\" data-id=\"a149f01\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d9f51fe elementor-widget elementor-widget-html\" data-id=\"d9f51fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1>TERMS OF USE<\/h1>\n<p data-custom-class=\"subtitle\"><strong>Last updated<\/strong>\u00a0<strong>September 09, 2025<\/strong><\/p>\n\n<h2>AGREEMENT TO OUR LEGAL TERMS<\/h2>\n<p data-custom-class=\"body_text\">We are\u00a0Lorne Steinberg Wealth Management Inc.\u00a0(\"<strong>Company<\/strong>,\" \"<strong>we<\/strong>,\" \"<strong>us<\/strong>,\" \"<strong>our<\/strong>\"), a company\u00a0registered in\u00a0Canada\u00a0at\u00a036 Toronto St #1140,\u00a0Toronto<span data-custom-class=\"body_text\">,\u00a0Ontario\u00a0M5C 2C5<\/span>.<\/p>\n<p data-custom-class=\"body_text\">We operate\u00a0the website\u00a0<a href=\"https:\/\/steinbergwealth.com\/fr\/\" data-custom-class=\"link\">https:\/\/steinbergwealth.com<\/a>\u00a0(the\u00a0\"<strong>Site<\/strong>\"), as well as any other related products and services that refer or link to these legal terms (the\u00a0\"<strong>Legal Terms<\/strong>\") (collectively, the\u00a0\"<strong>Services<\/strong>\").<\/p>\n<p data-custom-class=\"body_text\">You can contact us by\u00a0phone at\u00a0(CA)(514) 876-9888, email at\u00a0<a href=\"mailto:geoffrey.smith@steinbergwealth.com\" data-custom-class=\"link\">geoffrey.smith@steinbergwealth.com<\/a>,\u00a0or by mail to\u00a01000 rue de la Gaucheti\u00e8re ouest, Suite 3310,\u00a0Montr\u00e9al,\u00a0Quebec\u00a0H3B 4W5,\u00a0Canada.<\/p>\n<p data-custom-class=\"body_text\">These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity (\"<strong>you<\/strong>\"), and\u00a0Lorne Steinberg Wealth Management Inc., concerning your access to and use of the Services. You agree that by accessing the Services, you have read, understood, and agreed to be bound by all of these Legal Terms. IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY.<\/p>\n<p data-custom-class=\"body_text\">Supplemental terms and conditions or documents that may be posted on the Services from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Legal Terms\u00a0at any time and for any reason. We will alert you about any changes by updating the\u00a0\"Last updated\"\u00a0date of these Legal Terms, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Legal Terms to stay informed of updates. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Legal Terms by your continued use of the Services after the date such revised Legal Terms are posted.<\/p>\n<p data-custom-class=\"body_text\">The Services are intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Services.<\/p>\n<p data-custom-class=\"body_text\">We recommend that you print a copy of these Legal Terms for your records.<\/p>\n\n<h2>TABLE OF CONTENTS<\/h2>\n<ol>\n \t<li><a href=\"https:\/\/app.termly.io\/policy-viewer\/iframe-content.html?policyUUID=176f4bab-a80c-4dbb-896f-2dc56534cd55#services\" data-custom-class=\"link\"><span data-custom-class=\"link\"> OUR SERVICES<\/span><\/a><\/li>\n \t<li><a href=\"https:\/\/app.termly.io\/policy-viewer\/iframe-content.html?policyUUID=176f4bab-a80c-4dbb-896f-2dc56534cd55#ip\" data-custom-class=\"link\"><span data-custom-class=\"body_text\"> INTELLECTUAL PROPERTY RIGHTS<\/span><\/a><\/li>\n \t<li><a href=\"https:\/\/app.termly.io\/policy-viewer\/iframe-content.html?policyUUID=176f4bab-a80c-4dbb-896f-2dc56534cd55#userreps\" data-custom-class=\"link\"><span data-custom-class=\"body_text\"> USER REPRESENTATIONS<\/span><\/a><\/li>\n \t<li><a href=\"https:\/\/app.termly.io\/policy-viewer\/iframe-content.html?policyUUID=176f4bab-a80c-4dbb-896f-2dc56534cd55#prohibited\" data-custom-class=\"link\"><span data-custom-class=\"body_text\"> PROHIBITED ACTIVITIES<\/span><\/a><\/li>\n \t<li><a href=\"https:\/\/app.termly.io\/policy-viewer\/iframe-content.html?policyUUID=176f4bab-a80c-4dbb-896f-2dc56534cd55#ugc\" data-custom-class=\"link\"><span data-custom-class=\"body_text\"> USER GENERATED CONTRIBUTIONS<\/span><\/a><\/li>\n \t<li><a href=\"https:\/\/app.termly.io\/policy-viewer\/iframe-content.html?policyUUID=176f4bab-a80c-4dbb-896f-2dc56534cd55#license\" data-custom-class=\"link\"><span data-custom-class=\"body_text\"> CONTRIBUTIONLICENSE<\/span><\/a><\/li>\n \t<li><a href=\"https:\/\/app.termly.io\/policy-viewer\/iframe-content.html?policyUUID=176f4bab-a80c-4dbb-896f-2dc56534cd55#sitemanage\" data-custom-class=\"link\"><span data-custom-class=\"body_text\"> SERVICES MANAGEMENT<\/span><\/a><\/li>\n \t<li><a href=\"https:\/\/app.termly.io\/policy-viewer\/iframe-content.html?policyUUID=176f4bab-a80c-4dbb-896f-2dc56534cd55#ppyes\" data-custom-class=\"link\"><span data-custom-class=\"body_text\"> PRIVACY POLICY<\/span><\/a><\/li>\n \t<li><a href=\"https:\/\/app.termly.io\/policy-viewer\/iframe-content.html?policyUUID=176f4bab-a80c-4dbb-896f-2dc56534cd55#terms\" data-custom-class=\"link\"><span data-custom-class=\"body_text\"> TERM AND TERMINATION<\/span><\/a><\/li>\n \t<li><a href=\"https:\/\/app.termly.io\/policy-viewer\/iframe-content.html?policyUUID=176f4bab-a80c-4dbb-896f-2dc56534cd55#modifications\" data-custom-class=\"link\"><span data-custom-class=\"body_text\"> MODIFICATIONS AND INTERRUPTIONS<\/span><\/a><\/li>\n \t<li><a href=\"https:\/\/app.termly.io\/policy-viewer\/iframe-content.html?policyUUID=176f4bab-a80c-4dbb-896f-2dc56534cd55#law\" data-custom-class=\"link\"><span data-custom-class=\"body_text\"> GOVERNING LAW<\/span><\/a><\/li>\n \t<li><a href=\"https:\/\/app.termly.io\/policy-viewer\/iframe-content.html?policyUUID=176f4bab-a80c-4dbb-896f-2dc56534cd55#disputes\" data-custom-class=\"link\"><span data-custom-class=\"body_text\"> DISPUTE RESOLUTION<\/span><\/a><\/li>\n \t<li><a href=\"https:\/\/app.termly.io\/policy-viewer\/iframe-content.html?policyUUID=176f4bab-a80c-4dbb-896f-2dc56534cd55#corrections\" data-custom-class=\"link\"><span data-custom-class=\"body_text\"> CORRECTIONS<\/span><\/a><\/li>\n \t<li><a href=\"https:\/\/app.termly.io\/policy-viewer\/iframe-content.html?policyUUID=176f4bab-a80c-4dbb-896f-2dc56534cd55#disclaimer\" data-custom-class=\"link\"><span data-custom-class=\"body_text\"> DISCLAIMER<\/span><\/a><\/li>\n \t<li><a href=\"https:\/\/app.termly.io\/policy-viewer\/iframe-content.html?policyUUID=176f4bab-a80c-4dbb-896f-2dc56534cd55#liability\" data-custom-class=\"link\"><span data-custom-class=\"body_text\"> LIMITATIONS OF LIABILITY<\/span><\/a><\/li>\n \t<li><a href=\"https:\/\/app.termly.io\/policy-viewer\/iframe-content.html?policyUUID=176f4bab-a80c-4dbb-896f-2dc56534cd55#indemnification\" data-custom-class=\"link\"><span data-custom-class=\"body_text\"> INDEMNIFICATION<\/span><\/a><\/li>\n \t<li><a href=\"https:\/\/app.termly.io\/policy-viewer\/iframe-content.html?policyUUID=176f4bab-a80c-4dbb-896f-2dc56534cd55#userdata\" data-custom-class=\"link\"><span data-custom-class=\"body_text\"> USER DATA<\/span><\/a><\/li>\n \t<li><a href=\"https:\/\/app.termly.io\/policy-viewer\/iframe-content.html?policyUUID=176f4bab-a80c-4dbb-896f-2dc56534cd55#electronic\" data-custom-class=\"link\"><span data-custom-class=\"body_text\"> ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES<\/span><\/a><\/li>\n \t<li><a href=\"https:\/\/app.termly.io\/policy-viewer\/iframe-content.html?policyUUID=176f4bab-a80c-4dbb-896f-2dc56534cd55#california\" data-custom-class=\"link\"><span data-custom-class=\"body_text\"> CALIFORNIA USERS AND RESIDENTS<\/span><\/a><\/li>\n \t<li><a href=\"https:\/\/app.termly.io\/policy-viewer\/iframe-content.html?policyUUID=176f4bab-a80c-4dbb-896f-2dc56534cd55#misc\" data-custom-class=\"link\"><span data-custom-class=\"body_text\"> MISCELLANEOUS<\/span><\/a><\/li>\n \t<li><a href=\"https:\/\/app.termly.io\/policy-viewer\/iframe-content.html?policyUUID=176f4bab-a80c-4dbb-896f-2dc56534cd55#contact\" data-custom-class=\"link\"><span data-custom-class=\"body_text\"> CONTACT US<\/span><\/a><\/li>\n<\/ol>\n<h2>1. OUR SERVICES<\/h2>\n<p data-custom-class=\"body_text\">The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.<\/p>\n<p data-custom-class=\"body_text\">Filing a Complaint Regarding our Services At LSWM, we make sure complaints are assigned quickly and processed in a timely manner. What is a Complaint? For the purposes of this policy, a complaint occurs when a client expresses dissatisfaction with a product or service provided by LWSM, and expects a formal response by the firm. An initial expression of dissatisfaction from a client\u2014whether made in writing or another form\u2014will not be treated as a complaint if the issue is resolved through LSWM\u2019s normal business processes. However, if the client remains dissatisfied and the matter is escalated to the person responsible for handling complaints, it will then be considered a complaint.\u00a0<a href=\"https:\/\/steinbergwealth.com\/fr\/complaint-processing-and-dispute-resolution-policy\/\" data-custom-class=\"link\">https:\/\/steinbergwealth.com\/complaint-processing-and-dispute-resolution-policy\/<\/a><\/p>\n\n<h2>2. INTELLECTUAL PROPERTY RIGHTS<\/h2>\n<h3>Our intellectual property<\/h3>\n<p data-custom-class=\"body_text\">We are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the\u00a0\"Content\"), as well as the trademarks, service marks, and logos contained therein (the\u00a0\"Marks\").<\/p>\n<p data-custom-class=\"body_text\">Our Content and Marks are protected by copyright and trademark laws (and various other intellectual property rights and unfair competition laws) and treaties\u00a0in the United States and\u00a0around the world.<\/p>\n<p data-custom-class=\"body_text\">The Content and Marks are provided in or through the Services\u00a0\"AS IS\"\u00a0for your\u00a0personal, non-commercial use or internal business purpose\u00a0only.<\/p>\n\n<h3>Your use of our Services<\/h3>\n<p data-custom-class=\"body_text\">Subject to your compliance with these Legal Terms, including the\u00a0\"<a href=\"https:\/\/app.termly.io\/policy-viewer\/iframe-content.html?policyUUID=176f4bab-a80c-4dbb-896f-2dc56534cd55#prohibited\" data-custom-class=\"link\">PROHIBITED ACTIVITIES<\/a>\"\u00a0section below, we grant you a non-exclusive, non-transferable, revocable\u00a0license\u00a0to:<\/p>\n\n<ul>\n \t<li data-custom-class=\"body_text\">access the Services; and<\/li>\n \t<li data-custom-class=\"body_text\">download or print a copy of any portion of the Content to which you have properly gained access,<\/li>\n<\/ul>\n<p data-custom-class=\"body_text\">solely for your\u00a0personal, non-commercial use or internal business purpose.<\/p>\n<p data-custom-class=\"body_text\">Except as set out in this section or elsewhere in our Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.<\/p>\n<p data-custom-class=\"body_text\">If you wish to make any use of the Services, Content, or Marks other than as set out in this section or elsewhere in our Legal Terms, please address your request to:\u00a0<a href=\"mailto:geoffrey.smith@steinbergwealth.com\" data-custom-class=\"link\">geoffrey.smith@steinbergwealth.com<\/a>. If we ever grant you the permission to post, reproduce, or publicly display any part of our Services or Content, you must identify us as the owners or licensors of the Services, Content, or Marks and ensure that any copyright or proprietary notice appears or is visible on posting, reproducing, or displaying our Content.<\/p>\n<p data-custom-class=\"body_text\">We reserve all rights not expressly granted to you in and to the Services, Content, and Marks.<\/p>\n<p data-custom-class=\"body_text\">Any breach of these Intellectual Property Rights will constitute a material breach of our Legal Terms and your right to use our Services will terminate immediately.<\/p>\n\n<h3><strong>Your submissions<\/strong><\/h3>\n<p data-custom-class=\"body_text\">Please review this section and the\u00a0\"<a href=\"https:\/\/app.termly.io\/policy-viewer\/iframe-content.html?policyUUID=176f4bab-a80c-4dbb-896f-2dc56534cd55#prohibited\" data-custom-class=\"link\">PROHIBITED ACTIVITIES<\/a>\"\u00a0section carefully prior to using our Services to understand the (a) rights you give us and (b) obligations you have when you post or upload any content through the Services.<\/p>\n<p data-custom-class=\"body_text\"><strong>Submissions:<\/strong>\u00a0By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services (\"Submissions\"), you agree to assign to us all intellectual property rights in such Submission. You agree that we shall own this Submission and be entitled to its unrestricted use and dissemination for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you.<\/p>\n<p data-custom-class=\"body_text\"><strong>You are responsible for what you post or upload:<\/strong>\u00a0By sending us Submissions\u00a0through any part of the Services\u00a0you:<\/p>\n\n<ul>\n \t<li data-custom-class=\"body_text\">confirm that you have read and agree with our\u00a0\"<a href=\"https:\/\/app.termly.io\/policy-viewer\/iframe-content.html?policyUUID=176f4bab-a80c-4dbb-896f-2dc56534cd55#prohibited\" data-custom-class=\"link\">PROHIBITED ACTIVITIES<\/a>\"\u00a0and will not post, send, publish, upload, or transmit through the Services any Submission\u00a0that is illegal, harassing, hateful, harmful, defamatory, obscene, bullying, abusive, discriminatory, threatening to any person or group, sexually explicit, false, inaccurate, deceitful, or misleading;<\/li>\n \t<li data-custom-class=\"body_text\">to the extent permissible by applicable law, waive any and all moral rights to any such Submission;<\/li>\n \t<li data-custom-class=\"body_text\">warrant that any such Submission\u00a0are original to you or that you have the necessary rights and\u00a0licenses\u00a0to submit such Submissions\u00a0and that you have full authority to grant us the above-mentioned rights in relation to your Submissions; and<\/li>\n \t<li data-custom-class=\"body_text\">warrant and represent that your Submissions\u00a0do not constitute confidential information.<\/li>\n<\/ul>\n<p data-custom-class=\"body_text\">You are solely responsible for your Submissions\u00a0and you expressly agree to reimburse us for any and all losses that we may suffer because of your breach of (a) this section, (b) any third party\u2019s intellectual property rights, or (c) applicable law.<\/p>\n\n<h2>3. USER REPRESENTATIONS<\/h2>\n<p data-custom-class=\"body_text\">By using the Services, you represent and warrant that:\u00a0(1) you have the legal capacity and you agree to comply with these Legal Terms;\u00a0(2) you are not a minor in the jurisdiction in which you reside; (3) you will not access the Services through automated or non-human means, whether through a bot, script or otherwise; (4) you will not use the Services for any illegal or\u00a0unauthorized\u00a0purpose; and (5) your use of the Services will not violate any applicable law or regulation.<\/p>\n<p data-custom-class=\"body_text\">If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof).<\/p>\n\n<h2>4. PROHIBITED ACTIVITIES<\/h2>\n<p data-custom-class=\"body_text\">You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial\u00a0endeavors\u00a0except those that are specifically endorsed or approved by us.<\/p>\n<p data-custom-class=\"body_text\">As a user of the Services, you agree not to:<\/p>\n\n<ul>\n \t<li data-custom-class=\"body_text\"><span style=\"font-weight: 400;\">Systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.<\/span><\/li>\n \t<li data-custom-class=\"body_text\"><span style=\"font-weight: 400;\">Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.<\/span><\/li>\n \t<li data-custom-class=\"body_text\"><span style=\"font-weight: 400;\">Circumvent, disable, or otherwise interfere with security-related features of the Services, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Services and\/or the Content contained therein.<\/span><\/li>\n \t<li data-custom-class=\"body_text\"><span style=\"font-weight: 400;\">Disparage, tarnish, or otherwise harm, in our opinion, us and\/or the Services.<\/span><\/li>\n \t<li data-custom-class=\"body_text\"><span style=\"font-weight: 400;\">Use any information obtained from the Services in order to harass, abuse, or harm another person.<\/span><\/li>\n \t<li data-custom-class=\"body_text\"><span style=\"font-weight: 400;\">Make improper use of our support services or submit false reports of abuse or misconduct.<\/span><\/li>\n \t<li data-custom-class=\"body_text\"><span style=\"font-weight: 400;\">Use the Services in a manner inconsistent with any applicable laws or regulations.<\/span><\/li>\n \t<li data-custom-class=\"body_text\"><span style=\"font-weight: 400;\">Engage in\u00a0unauthorized\u00a0framing of or linking to the Services.<\/span><\/li>\n \t<li data-custom-class=\"body_text\"><span style=\"font-weight: 400;\">Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party\u2019s uninterrupted use and enjoyment of the Services or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Services.<\/span><\/li>\n \t<li data-custom-class=\"body_text\"><span style=\"font-weight: 400;\">Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.<\/span><\/li>\n \t<li data-custom-class=\"body_text\"><span style=\"font-weight: 400;\">Delete the copyright or other proprietary rights notice from any Content.<\/span><\/li>\n \t<li data-custom-class=\"body_text\"><span style=\"font-weight: 400;\">Attempt to impersonate another user or person or use the username of another user.<\/span><\/li>\n \t<li data-custom-class=\"body_text\"><span style=\"font-weight: 400;\">Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats (\"gifs\"), 1\u00d71 pixels, web bugs, cookies, or other similar devices (sometimes referred to as\u00a0\"spyware\" or \"passive collection mechanisms\" or \"pcms\").<\/span><\/li>\n \t<li data-custom-class=\"body_text\"><span style=\"font-weight: 400;\">Interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services.<\/span><\/li>\n \t<li data-custom-class=\"body_text\"><span style=\"font-weight: 400;\">Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you.<\/span><\/li>\n \t<li data-custom-class=\"body_text\"><span style=\"font-weight: 400;\">Attempt to bypass any measures of the Services designed to prevent or restrict access to the Services, or any portion of the Services.<\/span><\/li>\n \t<li data-custom-class=\"body_text\"><span style=\"font-weight: 400;\">Copy or adapt the Services' software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.<\/span><\/li>\n \t<li data-custom-class=\"body_text\"><span style=\"font-weight: 400;\">Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Services.<\/span><\/li>\n \t<li data-custom-class=\"body_text\"><span style=\"font-weight: 400;\">Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Services, or use or launch any\u00a0unauthorized\u00a0script or other software.<\/span><\/li>\n \t<li data-custom-class=\"body_text\"><span style=\"font-weight: 400;\">Use a buying agent or purchasing agent to make purchases on the Services.<\/span><\/li>\n \t<li data-custom-class=\"body_text\"><span style=\"font-weight: 400;\">Make any\u00a0unauthorized\u00a0use of the Services, including collecting usernames and\/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false\u00a0pretenses.<\/span><\/li>\n \t<li data-custom-class=\"body_text\"><span style=\"font-weight: 400;\">Use the Services as part of any effort to compete with us or otherwise use the Services and\/or the Content for any revenue-generating\u00a0endeavor\u00a0or commercial enterprise.<\/span><\/li>\n \t<li data-custom-class=\"body_text\">Use the Services to advertise or offer to sell goods and services.<\/li>\n \t<li data-custom-class=\"body_text\">Sell or otherwise transfer your profile.<\/li>\n<\/ul>\n<h2>5. USER GENERATED CONTRIBUTIONS<\/h2>\n<p data-custom-class=\"body_text\">The Services does not offer users to submit or post content.<\/p>\n\n<h2>6. CONTRIBUTION\u00a0LICENSE<\/h2>\n<p data-custom-class=\"body_text\">You and Services agree that we may access, store, process, and use any information and personal data that you provide\u00a0following the terms of the Privacy Policy\u00a0and your choices (including settings).<\/p>\n<p data-custom-class=\"body_text\">By submitting suggestions or other feedback regarding the Services, you agree that we can use and share such feedback for any purpose without compensation to you.<\/p>\n\n<h2>7. SERVICES MANAGEMENT<\/h2>\n<p data-custom-class=\"body_text\">We reserve the right, but not the obligation, to: (1) monitor the Services for violations of these Legal Terms; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms, including without limitation, reporting such user to law enforcement authorities; (3) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof; (4) in our sole discretion and without limitation, notice, or liability, to remove from the Services or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and (5) otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.<\/p>\n\n<h2>8. PRIVACY POLICY<\/h2>\n<p data-custom-class=\"body_text\">We care about data privacy and security. Please review our Privacy Policy:<strong>\u00a0<a href=\"https:\/\/steinbergwealth.com\/fr\/privacy-policy\/\" data-custom-class=\"link\">https:\/\/steinbergwealth.com\/privacy-policy\/<\/a><\/strong>. By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms. Please be advised the Services are hosted in\u00a0Canada. If you access the Services from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in\u00a0Canada, then through your continued use of the Services, you are transferring your data to\u00a0Canada, and you expressly consent to have your data transferred to and processed in\u00a0Canada.<\/p>\n\n<h2>9. TERM AND TERMINATION<\/h2>\n<p data-custom-class=\"body_text\">These Legal Terms shall remain in full force and effect while you use the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE LEGAL TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE LEGAL TERMS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SERVICES OR DELETE\u00a0ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.<\/p>\n<p data-custom-class=\"body_text\">If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.<\/p>\n\n<h2>10. MODIFICATIONS AND INTERRUPTIONS<\/h2>\n<p data-custom-class=\"body_text\">We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Services.\u00a0We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services.<\/p>\n<p data-custom-class=\"body_text\">We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Services at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance of the Services. Nothing in these Legal Terms will be construed to obligate us to maintain and support the Services or to supply any corrections, updates, or releases in connection therewith.<\/p>\n\n<h2>11. GOVERNING LAW<\/h2>\n<p data-custom-class=\"body_text\">These Legal Terms shall be governed by and defined following the laws of\u00a0Canada.\u00a0Lorne Steinberg Wealth Management Inc.\u00a0and yourself irrevocably consent that the courts of\u00a0Canada\u00a0shall have exclusive jurisdiction to resolve any dispute which may arise in connection with these Legal Terms.<\/p>\n\n<h2>12. DISPUTE RESOLUTION<\/h2>\n<h3>Informal Negotiations<\/h3>\n<p data-custom-class=\"body_text\">To expedite resolution and control the cost of any dispute, controversy, or claim related to these Legal Terms (each a\u00a0\"Dispute\" and collectively, the \"Disputes\") brought by either you or us (individually, a\u00a0\"Party\" and collectively, the \"Parties\"), the Parties agree to first attempt to negotiate any Dispute (except those Disputes expressly provided below) informally for at least\u00a0thirty (30)\u00a0days before initiating arbitration. Such informal negotiations commence upon written notice from one Party to the other Party.<\/p>\n\n<h3>Binding Arbitration<\/h3>\n<p data-custom-class=\"body_text\">Any dispute arising out of or in connection with these Legal Terms, including any question regarding its existence, validity, or termination, shall be referred to and finally resolved by the International Commercial Arbitration Court under the European Arbitration Chamber (Belgium, Brussels, Avenue Louise, 146) according to the Rules of this ICAC, which, as a result of referring to it, is considered as the part of this clause. The number of arbitrators shall be\u00a0three (3). The seat, or legal place, or arbitration shall be\u00a0Toronto,\u00a0Canada. The language of the proceedings shall be\u00a0English. The governing law of these Legal Terms shall be substantive law of\u00a0Canada.<\/p>\n\n<h3>Restrictions<\/h3>\n<p data-custom-class=\"body_text\">The Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. To the full extent permitted by law, (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to\u00a0utilize\u00a0class action procedures; and (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.<\/p>\n\n<h3>Exceptions to Informal Negotiations and Arbitration<\/h3>\n<p data-custom-class=\"body_text\">The Parties agree that the following Disputes are not subject to the above provisions concerning informal negotiations binding arbitration: (a) any Disputes seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a Party; (b) any Dispute related to, or arising from, allegations of theft, piracy, invasion of privacy, or\u00a0unauthorized\u00a0use; and (c) any claim for injunctive relief. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.<\/p>\n\n<h2>13. CORRECTIONS<\/h2>\n<p data-custom-class=\"body_text\">There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.<\/p>\n\n<h2>14. DISCLAIMER<\/h2>\n<p data-custom-class=\"body_text\">THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES' CONTENT OR THE CONTENT OF ANY WEBSITES OR MOBILE APPLICATIONS LINKED TO THE SERVICES AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES, (3) ANY\u00a0UNAUTHORIZED\u00a0ACCESS TO OR USE OF OUR SECURE SERVERS AND\/OR ANY AND ALL PERSONAL INFORMATION AND\/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SERVICES BY ANY THIRD PARTY, AND\/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICES, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST\u00a0JUDGMENT\u00a0AND EXERCISE CAUTION WHERE APPROPRIATE.<\/p>\n\n<h2>15. LIMITATIONS OF LIABILITY<\/h2>\n<span data-custom-class=\"body_text\">IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.<\/span>\u00a0<span data-custom-class=\"body_text\">NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO\u00a0THE AMOUNT PAID, IF ANY, BY YOU TO US\u00a0DURING THE\u00a0six (6)\u00a0mONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING.<\/span>\u00a0<span data-custom-class=\"body_text\">CERTAIN US STATE LAWS AND INTERNATIONAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.<\/span>\n<h2>16. INDEMNIFICATION<\/h2>\n<p data-custom-class=\"body_text\">You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys\u2019 fees and expenses, made by any third party due to or arising out of:\u00a0(1) use of the Services; (2) breach of these Legal Terms; (3) any breach of your representations and warranties set forth in these Legal Terms; (4) your violation of the rights of a third party, including but not limited to intellectual property rights; or (5) any overt harmful act toward any other user of the Services with whom you connected via the Services. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive\u00a0defense\u00a0and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our\u00a0defense\u00a0of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.<\/p>\n\n<h2>17. USER DATA<\/h2>\n<p data-custom-class=\"body_text\">We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services, as well as data relating to your use of the Services. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Services. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.<\/p>\n\n<h2>18. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES<\/h2>\n<p data-custom-class=\"body_text\">Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Services, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SERVICES. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.<\/p>\n\n<h2>19. CALIFORNIA USERS AND RESIDENTS<\/h2>\n<p data-custom-class=\"body_text\">If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254.<\/p>\n\n<h2>20. MISCELLANEOUS<\/h2>\n<p data-custom-class=\"body_text\">These Legal Terms and any policies or operating rules posted by us on the Services or in respect to the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Legal Terms and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Legal Terms or use of the Services. You agree that these Legal Terms will not be construed against us by virtue of having drafted them. You hereby waive any and all\u00a0defenses\u00a0you may have based on the electronic form of these Legal Terms and the lack of signing by the parties hereto to execute these Legal Terms.<\/p>\n\n<h2>21. CONTACT US<\/h2>\n<p data-custom-class=\"body_text\">In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:<\/p>\n<p data-custom-class=\"body_text\"><strong>Lorne Steinberg Wealth Management Inc.\n<\/strong><strong>1000 rue de la Gaucheti\u00e8re ouest, Suite 3310\n<\/strong><strong>Montr\u00e9al,\u00a0Quebec\u00a0H3B 4W5\n<\/strong><strong>Canada\n<\/strong><strong>Phone:\u00a0(CA)(514) 876-9888<\/strong><\/p>\n<p data-custom-class=\"body_text\"><strong><a href=\"mailto:geoffrey.smith@steinbergwealth.com\" data-custom-class=\"link\">geoffrey.smith@steinbergwealth.com<\/a><\/strong><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-2095154702\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-2095154702\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\"elementor-element elementor-element-49ab7e5 e-con-full e-flex e-con e-child\" data-id=\"49ab7e5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5cb1337 elementor-widget elementor-widget-text-editor\" data-id=\"5cb1337\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h1>MODALIT\u00c9S ET CONDITIONS<\/h1><p><strong>Derni\u00e8re mise \u00e0 jour : 9 septembre 2025<\/strong><\/p><h2>ACCEPTATION DE NOS CONDITIONS JURIDIQUES<\/h2><p><span style=\"font-weight: 400;\">Nous sommes <\/span><b>Lorne Steinberg Gestion de patrimoine<\/b><span style=\"font-weight: 400;\"> (\u00ab la Soci\u00e9t\u00e9 \u00bb, \u00ab nous \u00bb, \u00ab notre \u00bb, \u00ab nos \u00bb), une soci\u00e9t\u00e9 enregistr\u00e9e au Canada, ayant une adresse au 36, rue Toronto, bureau 1140, Toronto (Ontario) M5C 2C5.<\/span><\/p><p><span style=\"font-weight: 400;\">Nous exploitons le site<\/span><a href=\"https:\/\/steinbergwealth.com\/fr\/\"> <span style=\"font-weight: 400;\">https:\/\/steinbergwealth.com<\/span><\/a><span style=\"font-weight: 400;\"> (le \u00ab Site \u00bb), ainsi que tout autre produit et service connexe qui renvoie aux pr\u00e9sentes conditions juridiques (collectivement, les \u00ab Services \u00bb).<\/span><\/p><p><span style=\"font-weight: 400;\">Vous pouvez nous joindre par t\u00e9l\u00e9phone au (514) 876-9888, par courriel \u00e0 <\/span><b>geoffrey.smith@steinbergwealth.com<\/b><span style=\"font-weight: 400;\"> ou par la poste au 1000, rue de la Gaucheti\u00e8re Ouest, bureau 3310, Montr\u00e9al (Qu\u00e9bec) H3B 4W5, Canada.<\/span><\/p><p><span style=\"font-weight: 400;\">Les pr\u00e9sentes conditions juridiques constituent une entente contraignante entre vous, \u00e0 titre personnel ou au nom d\u2019une entit\u00e9 (\u00ab vous \u00bb), et Lorne Steinberg Gestion de patrimoine, concernant votre acc\u00e8s aux Services et leur utilisation. En acc\u00e9dant aux Services, vous d\u00e9clarez avoir lu, compris et accept\u00e9 l\u2019ensemble des pr\u00e9sentes conditions. <\/span><b>SI VOUS N\u2019ACCEPTEZ PAS TOUTES LES PR\u00c9SENTES CONDITIONS, VOUS \u00caTES FORMELLEMENT INTERDIT D\u2019UTILISER LES SERVICES ET DEVEZ CESSER IMM\u00c9DIATEMENT TOUTE UTILISATION.<\/b><\/p><p><span style=\"font-weight: 400;\">Des conditions suppl\u00e9mentaires peuvent \u00eatre publi\u00e9es sur les Services et sont r\u00e9put\u00e9es incorpor\u00e9es par renvoi. Nous nous r\u00e9servons le droit de modifier ces conditions \u00e0 tout moment et pour quelque raison. Nous vous en aviserons en mettant \u00e0 jour la date \u00ab Derni\u00e8re mise \u00e0 jour \u00bb. Il vous incombe de les consulter p\u00e9riodiquement. Votre utilisation continue apr\u00e8s la publication des conditions r\u00e9vis\u00e9es vaut acceptation.<\/span><\/p><p><span style=\"font-weight: 400;\">Les Services s\u2019adressent aux utilisateurs de 18 ans et plus. Les personnes de moins de 18 ans ne sont pas autoris\u00e9es \u00e0 utiliser ou \u00e0 s\u2019inscrire.<\/span><\/p><p><span style=\"font-weight: 400;\">Nous vous recommandons d\u2019imprimer une copie des pr\u00e9sentes conditions.<\/span><\/p><h2>TABLE DES MATI\u00c8RES<\/h2><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">NOS SERVICES<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">DROITS DE PROPRI\u00c9T\u00c9 INTELLECTUELLE<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">D\u00c9CLARATIONS DE L\u2019UTILISATEUR<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ACTIVIT\u00c9S INTERDITES<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">CONTENU G\u00c9N\u00c9R\u00c9 PAR LES UTILISATEURS<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">LICENCE SUR LES CONTRIBUTIONS<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">GESTION DES SERVICES<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">POLITIQUE DE CONFIDENTIALIT\u00c9<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">DUR\u00c9E ET R\u00c9SILIATION<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">MODIFICATIONS ET INTERRUPTIONS<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">DROIT APPLICABLE<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">R\u00c8GLEMENT DES DIFF\u00c9RENDS<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">CORRECTIONS<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">AVIS DE NON-RESPONSABILIT\u00c9<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">LIMITATION DE RESPONSABILIT\u00c9<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">INDEMNISATION<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">DONN\u00c9ES DE L\u2019UTILISATEUR<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">COMMUNICATIONS, TRANSACTIONS ET SIGNATURES \u00c9LECTRONIQUES<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">UTILISATEURS ET R\u00c9SIDENTS DE CALIFORNIE<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">DISPOSITIONS DIVERSES<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">NOUS CONTACTER<\/span><\/li><\/ol><h3>1. NOS SERVICES<\/h3><p><span style=\"font-weight: 400;\">Les informations fournies via les Services ne sont pas destin\u00e9es aux personnes ou entit\u00e9s dans des juridictions o\u00f9 leur distribution ou utilisation serait contraire \u00e0 la loi ou nous soumettrait \u00e0 une obligation d\u2019enregistrement. Les personnes qui acc\u00e8dent aux Services \u00e0 partir d\u2019autres lieux le font de leur propre initiative et sont seules responsables du respect des lois locales.<\/span><\/p><p><b>D\u00e9poser une plainte au sujet de nos Services.<\/b><span style=\"font-weight: 400;\"> Chez LSWM, nous attribuons rapidement les plaintes et les traitons en temps opportun. <\/span><b>Qu\u2019est-ce qu\u2019une plainte?<\/b><span style=\"font-weight: 400;\"> Une plainte survient lorsqu\u2019un client exprime son insatisfaction \u00e0 l\u2019\u00e9gard d\u2019un produit ou service fourni par LSWM et s\u2019attend \u00e0 une r\u00e9ponse officielle du cabinet. Une premi\u00e8re expression d\u2019insatisfaction, \u00e9crite ou non, ne sera pas trait\u00e9e comme une plainte si le probl\u00e8me est r\u00e9solu dans le cadre des processus habituels. Si le client demeure insatisfait et que le dossier est transmis \u00e0 la personne responsable, il sera alors consid\u00e9r\u00e9 comme une plainte.<\/span><a href=\"https:\/\/steinbergwealth.com\/fr\/complaint-processing-and-dispute-resolution-policy\/\"> <span style=\"font-weight: 400;\">https:\/\/steinbergwealth.com\/complaint-processing-and-dispute-resolution-policy\/<\/span><\/a><\/p><h3>2. DROITS DE PROPRI\u00c9T\u00c9 INTELLECTUELLE<\/h3><p><b>Notre propri\u00e9t\u00e9 intellectuelle<\/b><b><br \/><\/b><span style=\"font-weight: 400;\"> Nous sommes propri\u00e9taires ou titulaires de licence de tous les droits de propri\u00e9t\u00e9 intellectuelle sur les Services, y compris le code source, les bases de donn\u00e9es, les fonctionnalit\u00e9s, les logiciels, les conceptions du site, l\u2019audio, la vid\u00e9o, les textes, les photos et les graphiques (collectivement, le \u00ab Contenu \u00bb), ainsi que les marques de commerce, marques de service et logos (les \u00ab Marques \u00bb).<\/span><\/p><p><span style=\"font-weight: 400;\">Notre Contenu et nos Marques sont prot\u00e9g\u00e9s par les lois sur le droit d\u2019auteur et les marques de commerce et par des trait\u00e9s. Le Contenu et les Marques sont fournis \u00ab TELS QUELS \u00bb pour votre usage personnel non commercial ou votre usage interne en entreprise.<\/span><\/p><p><b>Votre utilisation de nos Services<\/b><b><br \/><\/b><span style=\"font-weight: 400;\"> Sous r\u00e9serve du respect des pr\u00e9sentes conditions, nous vous accordons une licence non exclusive, non transf\u00e9rable et r\u00e9vocable pour acc\u00e9der aux Services et t\u00e9l\u00e9charger ou imprimer une copie de toute partie du Contenu \u00e0 laquelle vous avez acc\u00e8s, uniquement pour une utilisation personnelle non commerciale ou un usage interne.<\/span><\/p><p><span style=\"font-weight: 400;\">Toute autre utilisation requiert notre permission \u00e9crite pr\u00e9alable. Adressez vos demandes \u00e0 <\/span><b>geoffrey.smith@steinbergwealth.com<\/b><span style=\"font-weight: 400;\">. Si une permission est accord\u00e9e, vous devez nous identifier comme propri\u00e9taires ou titulaires de licence et conserver les avis de droit d\u2019auteur.<\/span><\/p><p><span style=\"font-weight: 400;\">Toute violation de ces droits constitue une violation importante des pr\u00e9sentes et met fin imm\u00e9diatement \u00e0 votre droit d\u2019utilisation.<\/span><\/p><p><b>Vos soumissions<\/b><b><br \/><\/b><span style=\"font-weight: 400;\"> En nous envoyant toute question, suggestion, id\u00e9e, r\u00e9troaction ou autre information au sujet des Services (les \u00ab Soumissions \u00bb), vous convenez de nous c\u00e9der tous les droits de propri\u00e9t\u00e9 intellectuelle sur ces Soumissions et nous autorisez \u00e0 les utiliser et les diffuser sans restriction et sans compensation.<\/span><\/p><p><span style=\"font-weight: 400;\">Vous \u00eates responsable de ce que vous publiez ou t\u00e9l\u00e9versez et d\u00e9clarez avoir lu la section \u00ab ACTIVIT\u00c9S INTERDITES \u00bb, renoncer dans la mesure permise \u00e0 vos droits moraux, garantir \u00eatre titulaire des droits n\u00e9cessaires et que vos Soumissions ne sont pas confidentielles. Vous indemniserez la Soci\u00e9t\u00e9 pour toute perte li\u00e9e \u00e0 une violation de ces engagements, d\u2019un droit de tiers ou d\u2019une loi applicable.<\/span><\/p><h3>3. D\u00c9CLARATIONS DE L\u2019UTILISATEUR<\/h3><p><span style=\"font-weight: 400;\">En utilisant les Services, vous d\u00e9clarez et garantissez notamment : avoir la capacit\u00e9 juridique, respecter les pr\u00e9sentes conditions, ne pas \u00eatre mineur, ne pas acc\u00e9der aux Services par des moyens automatis\u00e9s, ne pas les utiliser \u00e0 des fins ill\u00e9gales et respecter les lois applicables. Des renseignements inexacts peuvent entra\u00eener la suspension ou la r\u00e9siliation de votre compte.<\/span><\/p><h3>4. ACTIVIT\u00c9S INTERDITES<\/h3><p><span style=\"font-weight: 400;\">Il est interdit d\u2019utiliser les Services \u00e0 des fins autres que celles pour lesquelles ils sont fournis. La liste suivante comprend, sans s\u2019y limiter, des activit\u00e9s interdites : extraction syst\u00e9matique de donn\u00e9es, contournement des mesures de s\u00e9curit\u00e9, d\u00e9nigrement, harc\u00e8lement, utilisation contraire aux lois, cadrage non autoris\u00e9, t\u00e9l\u00e9versement de virus, utilisation automatis\u00e9e du syst\u00e8me, suppression d\u2019avis de droits, usurpation d\u2019identit\u00e9, collecte passive non autoris\u00e9e, interf\u00e9rence avec le fonctionnement, tentative de contournement des restrictions, copie ou adaptation du logiciel, ing\u00e9nierie inverse non permise, utilisation d\u2019agents d\u2019achat, collecte d\u2019adresses courriel \u00e0 des fins de pourriels, cr\u00e9ation de comptes sous de faux pr\u00e9textes, utilisation concurrentielle, publicit\u00e9 non autoris\u00e9e, vente de profil.<\/span><\/p><h3>5. CONTENU G\u00c9N\u00c9R\u00c9 PAR LES UTILISATEURS<\/h3><p><span style=\"font-weight: 400;\">Les Services ne permettent pas aux utilisateurs de soumettre ou publier du contenu.<\/span><\/p><h3>6. LICENCE SUR LES CONTRIBUTIONS<\/h3><p><span style=\"font-weight: 400;\">Vous convenez que nous pouvons acc\u00e9der, stocker, traiter et utiliser toute information et donn\u00e9e personnelle que vous fournissez conform\u00e9ment \u00e0 la Politique de confidentialit\u00e9 et \u00e0 vos choix.<\/span><\/p><p><span style=\"font-weight: 400;\">En soumettant des suggestions ou r\u00e9troactions, vous nous autorisez \u00e0 les utiliser et partager \u00e0 toute fin, sans compensation.<\/span><\/p><h3>7. GESTION DES SERVICES<\/h3><p><span style=\"font-weight: 400;\">Nous nous r\u00e9servons le droit, sans obligation, de surveiller les Services, de prendre des mesures juridiques, de restreindre l\u2019acc\u00e8s, de supprimer des fichiers lourds et de g\u00e9rer les Services pour prot\u00e9ger nos droits et assurer leur bon fonctionnement.<\/span><\/p><h3>8. POLITIQUE DE CONFIDENTIALIT\u00c9<\/h3><p><span style=\"font-weight: 400;\">Nous accordons de l\u2019importance \u00e0 la protection des donn\u00e9es. Veuillez consulter notre Politique de confidentialit\u00e9 :<\/span><a href=\"https:\/\/steinbergwealth.com\/fr\/privacy-policy\/\"> <span style=\"font-weight: 400;\">https:\/\/steinbergwealth.com\/privacy-policy\/<\/span><\/a><span style=\"font-weight: 400;\">. En utilisant les Services, vous acceptez d\u2019y \u00eatre li\u00e9. Les Services sont h\u00e9berg\u00e9s au Canada. Si vous acc\u00e9dez aux Services depuis une autre r\u00e9gion, vous consentez au transfert et au traitement de vos donn\u00e9es au Canada.<\/span><\/p><h3>9. DUR\u00c9E ET R\u00c9SILIATION<\/h3><p><span style=\"font-weight: 400;\">Les pr\u00e9sentes demeurent en vigueur pendant votre utilisation. Nous pouvons, \u00e0 notre enti\u00e8re discr\u00e9tion, sans pr\u00e9avis ni responsabilit\u00e9, refuser l\u2019acc\u00e8s aux Services \u00e0 toute personne pour toute raison, y compris en cas de violation. Nous pouvons r\u00e9silier votre utilisation ou supprimer des contenus en tout temps. Si votre compte est suspendu ou r\u00e9sili\u00e9, vous ne pouvez pas vous r\u00e9inscrire sous un autre nom. Nous pouvons exercer les recours appropri\u00e9s.<\/span><\/p><h3>10. MODIFICATIONS ET INTERRUPTIONS<\/h3><p><span style=\"font-weight: 400;\">Nous pouvons modifier, changer ou retirer le contenu des Services \u00e0 tout moment. Nous n\u2019avons aucune obligation de mise \u00e0 jour. Nous ne sommes pas responsables des modifications, suspensions ou interruptions. Nous ne garantissons pas la disponibilit\u00e9 continue des Services.<\/span><\/p><h3>11. DROIT APPLICABLE<\/h3><p><span style=\"font-weight: 400;\">Les pr\u00e9sentes conditions sont r\u00e9gies par les lois du Canada. Les tribunaux du Canada ont comp\u00e9tence exclusive.<\/span><\/p><h3>12. R\u00c8GLEMENT DES DIFF\u00c9RENDS<\/h3><p><b>N\u00e9gociations informelles.<\/b><span style=\"font-weight: 400;\"> Les parties tenteront d\u2019abord de r\u00e9gler tout diff\u00e9rend de fa\u00e7on informelle pendant au moins 30 jours.<\/span><\/p><p><b>Arbitrage ex\u00e9cutoire.<\/b><span style=\"font-weight: 400;\"> Tout diff\u00e9rend sera soumis \u00e0 l\u2019International Commercial Arbitration Court relevant de la European Arbitration Chamber, selon ses r\u00e8gles. Trois arbitres. Si\u00e8ge : Toronto (Canada). Langue : anglais. Droit applicable : droit substantiel du Canada.<\/span><\/p><p><b>Restrictions.<\/b><span style=\"font-weight: 400;\"> L\u2019arbitrage est limit\u00e9 au diff\u00e9rend individuel. Pas d\u2019actions collectives ni repr\u00e9sentatives.<\/span><\/p><p><b>Exceptions.<\/b><span style=\"font-weight: 400;\"> Les diff\u00e9rends li\u00e9s aux droits de propri\u00e9t\u00e9 intellectuelle, aux all\u00e9gations de vol, de piratage, d\u2019atteinte \u00e0 la vie priv\u00e9e ou d\u2019utilisation non autoris\u00e9e, ainsi que les demandes d\u2019injonction, ne sont pas soumis \u00e0 l\u2019arbitrage obligatoire.<\/span><\/p><h3>13. CORRECTIONS<\/h3><p><span style=\"font-weight: 400;\">Des erreurs, inexactitudes ou omissions peuvent se trouver sur les Services. Nous nous r\u00e9servons le droit de les corriger sans pr\u00e9avis.<\/span><\/p><h3>14. AVIS DE NON-RESPONSABILIT\u00c9<\/h3><p><span style=\"font-weight: 400;\">LES SERVICES SONT FOURNIS \u00ab TELS QUELS \u00bb ET \u00ab SELON LA DISPONIBILIT\u00c9 \u00bb. DANS TOUTE LA MESURE PERMISE PAR LA LOI, NOUS D\u00c9CLINONS TOUTE GARANTIE, EXPRESSE OU IMPLICITE, Y COMPRIS LES GARANTIES DE QUALIT\u00c9 MARCHANDE, D\u2019ADAPTATION \u00c0 UN USAGE PARTICULIER ET D\u2019ABSENCE DE CONTREFA\u00c7ON. NOUS NE GARANTISSONS PAS L\u2019EXACTITUDE OU L\u2019EXHAUSTIVIT\u00c9 DU CONTENU ET D\u00c9CLINONS TOUTE RESPONSABILIT\u00c9 POUR LES ERREURS, LES DOMMAGES, LES ACC\u00c8S NON AUTORIS\u00c9S, LES INTERRUPTIONS, LES VIRUS OU AUTRES.<\/span><\/p><h3>15. LIMITATION DE RESPONSABILIT\u00c9<\/h3><p><span style=\"font-weight: 400;\">EN AUCUN CAS NOUS NI NOS DIRIGEANTS, EMPLOY\u00c9S OU MANDATAIRES NE SERONS RESPONSABLES ENVERS VOUS OU UN TIERS DE DOMMAGES DIRECTS, INDIRECTS, CONS\u00c9CUTIFS, EXEMPLAIRES, ACCESSOIRES, SP\u00c9CIAUX OU PUNITIFS, Y COMPRIS LA PERTE DE PROFITS, DE REVENUS OU DE DONN\u00c9ES, D\u00c9COULANT DE VOTRE UTILISATION DES SERVICES. NOTRE RESPONSABILIT\u00c9 TOTALE ENVERS VOUS SERA TOUJOURS LIMIT\u00c9E AU MONTANT QUE VOUS NOUS AVEZ PAY\u00c9, LE CAS \u00c9CH\u00c9ANT, AU COURS DES SIX (6) DERNIERS MOIS. CERTAINES LOIS PEUVENT ACCORDER DES DROITS SUPPL\u00c9MENTAIRES.<\/span><\/p><h3>16. INDEMNISATION<\/h3><p><span style=\"font-weight: 400;\">Vous acceptez de nous d\u00e9fendre, indemniser et tenir indemnes, ainsi que nos filiales, soci\u00e9t\u00e9s affili\u00e9es et leurs dirigeants, mandataires, partenaires et employ\u00e9s, de toute r\u00e9clamation et d\u00e9pense, y compris les honoraires raisonnables d\u2019avocats, d\u00e9coulant de votre utilisation des Services, de votre violation des pr\u00e9sentes, de vos d\u00e9clarations inexactes, de l\u2019atteinte aux droits d\u2019un tiers ou de tout acte nuisible envers un autre utilisateur. Nous pouvons assumer la d\u00e9fense exclusive \u00e0 vos frais.<\/span><\/p><h3>17. DONN\u00c9ES DE L\u2019UTILISATEUR<\/h3><p><span style=\"font-weight: 400;\">Nous conservons certaines donn\u00e9es transmises aux Services pour g\u00e9rer leur performance. Malgr\u00e9 des sauvegardes r\u00e9guli\u00e8res, vous \u00eates seul responsable des donn\u00e9es que vous transmettez. Nous d\u00e9clinons toute responsabilit\u00e9 pour toute perte ou corruption de ces donn\u00e9es.<\/span><\/p><h3>18. COMMUNICATIONS, TRANSACTIONS ET SIGNATURES \u00c9LECTRONIQUES<\/h3><p><span style=\"font-weight: 400;\">En visitant les Services, en nous envoyant des courriels et en remplissant des formulaires en ligne, vous consentez \u00e0 recevoir des communications \u00e9lectroniques. Vous acceptez l\u2019utilisation de signatures \u00e9lectroniques et la remise \u00e9lectronique d\u2019avis, politiques et dossiers.<\/span><\/p><h3>19. UTILISATEURS ET R\u00c9SIDENTS DE CALIFORNIE<\/h3><p><span style=\"font-weight: 400;\">Si une plainte n\u2019est pas r\u00e9solue, vous pouvez contacter la <\/span><b>Complaint Assistance Unit<\/b><span style=\"font-weight: 400;\"> du <\/span><b>California Department of Consumer Affairs<\/b><span style=\"font-weight: 400;\">, 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, t\u00e9l. (800) 952-5210 ou (916) 445-1254.<\/span><\/p><h3>20. DISPOSITIONS DIVERSES<\/h3><p><span style=\"font-weight: 400;\">Les pr\u00e9sentes, avec nos politiques, constituent l\u2019entente int\u00e9grale. Notre omission d\u2019exercer un droit ne vaut pas renonciation. Nous pouvons c\u00e9der nos droits. Nous ne sommes pas responsables des retards ou manquements caus\u00e9s par des \u00e9v\u00e9nements hors de notre contr\u00f4le. Si une disposition est ill\u00e9gale, nulle ou inapplicable, elle est r\u00e9put\u00e9e divisible sans affecter le reste. Aucune relation d\u2019agence ou d\u2019emploi n\u2019est cr\u00e9\u00e9e. Les pr\u00e9sentes ne seront pas interpr\u00e9t\u00e9es contre nous du fait de leur r\u00e9daction. Vous renoncez \u00e0 toute d\u00e9fense fond\u00e9e sur la forme \u00e9lectronique et l\u2019absence de signature.<\/span><\/p><h3>21. NOUS CONTACTER<\/h3><p><span style=\"font-weight: 400;\">Pour r\u00e9soudre une plainte ou obtenir des renseignements sur l\u2019utilisation des Services, communiquez avec :<\/span><\/p><p><span style=\"font-weight: 400;\">Lorne Steinberg Gestion de patrimoine<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"> 1000, rue de la Gaucheti\u00e8re Ouest, bureau 3310<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"> Montr\u00e9al (Qu\u00e9bec) H3B 4W5<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"> Canada<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"> T\u00e9l\u00e9phone : (514) 876-9888<\/span><span style=\"font-weight: 400;\"><br \/><\/span> <b>geoffrey.smith@steinbergwealth.com<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>English French TERMS OF USE Last updated\u00a0September 09, 2025 AGREEMENT TO OUR LEGAL TERMS We are\u00a0Lorne Steinberg Wealth Management Inc.\u00a0(&#8220;Company,&#8221; &#8220;we,&#8221; &#8220;us,&#8221; &#8220;our&#8220;), a company\u00a0registered in\u00a0Canada\u00a0at\u00a036 Toronto St #1140,\u00a0Toronto,\u00a0Ontario\u00a0M5C 2C5. We operate\u00a0the website\u00a0https:\/\/steinbergwealth.com\u00a0(the\u00a0&#8220;Site&#8220;), as well as any other related products and services that refer or link to these legal terms (the\u00a0&#8220;Legal Terms&#8220;) (collectively, the\u00a0&#8220;Services&#8220;). You [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-881","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Terms &amp; Conditions - Lorne Steinberg Wealth Management<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/steinbergwealth.com\/fr\/terms-conditions\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Terms &amp; Conditions - Lorne Steinberg Wealth Management\" \/>\n<meta property=\"og:description\" content=\"English French TERMS OF USE Last updated\u00a0September 09, 2025 AGREEMENT TO OUR LEGAL TERMS We are\u00a0Lorne Steinberg Wealth Management Inc.\u00a0(&#8220;Company,&#8221; &#8220;we,&#8221; &#8220;us,&#8221; &#8220;our&#8220;), a company\u00a0registered in\u00a0Canada\u00a0at\u00a036 Toronto St #1140,\u00a0Toronto,\u00a0Ontario\u00a0M5C 2C5. We operate\u00a0the website\u00a0https:\/\/steinbergwealth.com\u00a0(the\u00a0&#8220;Site&#8220;), as well as any other related products and services that refer or link to these legal terms (the\u00a0&#8220;Legal Terms&#8220;) (collectively, the\u00a0&#8220;Services&#8220;). 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