Legal, regulatory, and privacy disclosures.

Safekeeping of Client Capital

Your assets are never held by Senatus Wealth, nor by any advisor within our network. Capital is held and protected by independent, qualified Canadian custodians — institutions such as NBCN Inc. (a wholly-owned subsidiary of the National Bank of Canada) and Fidelity Clearing Canada. For cross-border or specialized mandates, comparable qualified custodians of equivalent standing and class may be engaged through your portfolio manager. No advisor, whether internal or external, has direct access to your cash or securities at any time.

Portfolio management is conducted by third-party, independently licensed portfolio managers operating under the supervision of the Ontario Securities Commission and the Canadian Investment Regulatory Organization (CIRO), in accordance with National Instrument 31-103 — Registration Requirements, Exemptions and Ongoing Registrant Obligations. Client assets are entitled to protection in the event of insolvency, subject to the terms and limitations of the applicable custodian and investor protection fund.

For further detail regarding the entities responsible for the custody and management of your capital, please contact us at hello@senatuswealth.com.

Independence

Since its founding in 2010, Senatus Wealth has operated independently. The firm is not owned by, controlled by, or affiliated with any bank, insurer, broker-dealer, or asset manager.

Compensation

The firm is compensated by the families it serves, on a transparent fee or retainer basis disclosed in writing in advance. Where investment oversight is delegated to independently-registered portfolio managers, Senatus may receive an objective referral fee — uniform across managers and disclosed in writing before any recommendation is made. Where insurance is placed as structural capital, Senatus may receive standard licensed assurance commissions at placement, disclosed in writing. No referral compensation is exchanged between Senatus and the professional specialists within its network, in either direction.

Scope of Services

Senatus Wealth provides integrated wealth advisory, coordination, and architectural services. Specific legal, tax, accounting, and regulated investment services are delivered by independently licensed professionals engaged under separate mandate, and clients should look to those mandates for the terms governing those services.

Jurisdictions

The firm serves Canadian and cross-border families with interests in the United States. Availability of specific services depends on jurisdiction, licensing, and the nature of the mandate.

Terms of Use

By accessing or using this website, you agree to the following terms. If you do not agree, please discontinue use.

Use of this website does not create an advisory, fiduciary, or professional relationship between you and Senatus Wealth. Such relationships are established only by written mandate executed between the firm and the client.

All content is provided for general informational purposes only and is subject to change without notice. It does not constitute investment, financial, legal, tax, or accounting advice, nor an offer or solicitation to purchase or sell securities or any financial instrument. Senatus Wealth makes no warranty, express or implied, as to the accuracy, completeness, or suitability of any information for any particular purpose.

All material on this website, including text, imagery, and design, is the intellectual property of Senatus Wealth or its licensors, protected under applicable Canadian copyright, trademark, and international law. No content may be reproduced, distributed, or republished without prior written consent. Linking, framing, scraping, or data-mining of this website is prohibited without express permission.

This website may contain links to third-party sources. Senatus Wealth does not endorse and is not responsible for the content, accuracy, or practices of any third-party website.

To the fullest extent permitted by law, Senatus Wealth shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from or related to the use of, or inability to use, this website or its content — including damages to computer equipment or exposure to viruses.

This website and its terms are governed by the laws of the Province of Ontario and the applicable laws of Canada. Any dispute arising from your use of this website shall be subject to the exclusive jurisdiction of the courts of Ontario.

Forward-Looking Statements

Certain statements on this website constitute forward-looking statements reflecting the current expectations and assumptions of Senatus Wealth Management Corporation (the “Corporation”). These statements may include words such as “may,” “anticipate,” “believe,” “expect,” “estimate,” “intend,” and similar expressions. Forward-looking statements involve known and unknown risks, uncertainties, and assumptions that could cause actual results to differ materially from those expressed or implied. These statements are made as of the date of their inclusion on this website. The Corporation assumes no obligation to update or revise forward-looking statements to reflect subsequent events.

Industry Data

Market data and industry forecasts appearing on this website are derived from publicly available sources believed to be reliable. Their accuracy and completeness have not been independently verified by the Corporation.

Privacy Policy

Senatus Wealth Management Corporation (the “Corporation”) is committed to the highest standards of privacy and discretion. This policy describes how we collect, use, disclose, and safeguard non-public personal information in the course of our advisory relationships and through this website, in compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation.

Information We Collect

We collect personal information necessary to serve your advisory relationship and to comply with applicable regulatory requirements. This may include information provided directly by you — such as your name, contact details, social insurance number, financial circumstances, and investment objectives — as well as information obtained through applications, agreements, correspondence, telephone conversations, and your use of this website. We may also receive information from consumer reporting agencies and from third-party service providers engaged on your behalf.

How We Use Your Information

Personal information is collected and maintained in order to establish your identity, assess your eligibility and suitability for our services, fulfill applicable know-your-client (KYC) obligations under NI 31-103 and the Client Focused Reforms, deliver integrated advisory services, and comply with legal and regulatory requirements. We do not use your personal information for marketing purposes unrelated to the advisory relationship without your express consent.

When We Disclose Your Information

We may share personal information, to the extent necessary, with third-party professionals and service providers engaged on your behalf — including portfolio managers, custodians, insurance providers, accountants, and legal counsel — and only for the purposes identified above. Contractual and other safeguards are in place to ensure a comparable level of protection when information is handled by a third party.

We may also disclose personal information where required by law, regulation, or valid legal process — including to securities regulators, the Ontario Securities Commission, CIRO, and other self-regulatory organizations (SROs) that collect, use, and disclose such information for regulatory purposes, including audits, investigations, and enforcement proceedings.

We do not sell, lease, or otherwise make your personal information available to unaffiliated third parties for their independent use.

Consent

By entering into an advisory agreement or continuing to engage our services, you consent to the collection, use, and disclosure of your personal information as described in this policy. You may withdraw consent, in whole or in part, upon reasonable written notice — subject to legal, regulatory, and contractual obligations. The Corporation will inform you of the implications of any withdrawal of consent for the continued provision of services.

Safeguards & Retention

We maintain administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, loss, or disclosure. Access to personal information is restricted to those employees and authorized third parties who require it to provide services to you. No method of transmission or storage is perfectly secure; clients are encouraged to share sensitive information through the protected channels we designate. Personal information is retained for as long as necessary to fulfill the purposes for which it was collected, and in accordance with applicable regulatory retention requirements.

Your Rights

Subject to applicable law and regulatory requirements, you may request access to, correction of, or deletion of your personal information by writing to hello@senatuswealth.com. The Corporation will respond promptly and will provide an explanation in any case where access cannot be granted.

Updates

This policy may be updated from time to time. The current version is always accessible from this website. If you have questions or concerns, please contact us at hello@senatuswealth.com.