Terms & Conditions of Use

Last Updated: November 30, 2025

These Terms and Conditions ("Terms") govern your use of ProsperWise Advisors, a registered trade name of Isler Group Management & Consulting Inc. ("we," "us," or "our"), and the services provided through our website at www.prosperwise.ca (the "Site").

By accessing or using our Site, including our interactive tools such as the Exit Dividend Calculator and Stability Assessment, you agree to comply with and be bound by these Terms.

1. Legal Entity & Regulation

1.1. Corporate Identity: The Site is owned and operated by Isler Group Management & Consulting Inc. doing business as ProsperWise Advisors. 1.2. Regulatory Status: We are regulated by the Insurance Council of British Columbia. We are not registered with the British Columbia Securities Commission (BCSC). Any reference to "wealth management" or "planning" refers to consulting services, insurance products, segregated funds, and annuities, not securities advice.

2. Use of Our Website & Tools

2.1. Eligibility: You must be at least 18 years old to use our website. 2.2. Interactive Tools: The Site contains diagnostic tools (e.g., Exit Dividend Calculator, Stability Assessment). These tools are provided for educational and illustrative purposes only.

No Guarantee: The results generated by these tools are estimates based on user inputs and general market assumptions. They do not constitute a formal Chartered Business Valuation (CBV) or a guarantee of future financial performance.
User Responsibility: You are solely responsible for the accuracy of the data you enter. We are not liable for decisions made based on these automated outputs.

3. Intellectual Property

3.1. Ownership: All content on our Site—including the Sudden Wealth Compass™, The Decision Free Zone, The Exit Dividend Calculator, text, graphics, logos, and software—is the property of Isler Group Management & Consulting Inc. or its licensors and is protected by Canadian copyright and trademark laws. 3.2. Limited License: We grant you a limited, non-exclusive, revocable license to access our Site for personal, non-commercial use. You may not reproduce, distribute, or create derivative works from our frameworks (e.g., copying the "Compass" phases for commercial use) without our express written consent.

4. User Submissions

4.1. Data Usage: By entering financial or personal data into our tools, you grant us a license to process that data solely for the purpose of generating your diagnostic result and improving our services, in accordance with our Privacy Policy. 4.2. Confidentiality: While we utilize secure encryption (HTTPS), you acknowledge that no transmission over the internet is completely secure. You provide sensitive financial data at your own risk.

5. Disclaimers (Crucial)

5.1. No Professional Relationship: Your use of our Site does not create a fiduciary, attorney-client, or advisor-client relationship between you and ProsperWise Advisors. Such a relationship is only established upon the signing of a formal Engagement Letter. 5.2. Not Financial Advice: The content provided on this Site is for informational purposes only. It should not be considered legal, tax, or investment advice. You should consult with a qualified professional (Lawyer, CPA, CFP) before making decisions regarding inheritance, business sales, or tax planning. 5.3. Forward-Looking Statements: Case studies and examples on this Site are hypothetical or anonymized. Past performance is not indicative of future results.

6. Limitation of Liability

To the fullest extent permitted by law, Isler Group Management & Consulting Inc. shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of (or inability to use) our Site or reliance on the Exit Dividend Calculator, even if we have been advised of the possibility of such damages.

7. Indemnification

You agree to indemnify and hold harmless Isler Group Management & Consulting Inc., its officers, directors, and employees from any claims, liabilities, damages, or expenses (including legal fees) arising from your violation of these Terms or your misuse of the Site.

8. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the Province of British Columbia and the federal laws of Canada applicable therein. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Kelowna, British Columbia.

9. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Site after changes constitutes your acceptance of the new Terms.

10. Contact Us

If you have questions regarding these Terms, please contact us:

Isler Group Management & Consulting Inc. (Operating as ProsperWise Advisors) Kelowna, BC (778) 721-5208