General Disclaimers

Travel Insurance

Travel insurance does not cover everything. Please refer to the policy wording for full terms and conditions, including limitations and exclusions. Travel insurance is underwritten by CUMIS General Insurance Company, a member of The Co-operators group of companies and administered by Allianz Global Assistance. Allianz Global Assistance is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd.

No Legal or Financial Advice

The information provided on this site is for information purposes only. Under no circumstances should you regard any information you read or access on this site as financial, accounting, legal, or tax advice. You should consult your financial advisor before acting on any information on this website.

Link Disclaimer

Link to Third Party Website, Financial Services – Serguei Totrov do not make any representation that the information in any linked site is accurate and will not accept any responsibility or liability for any inaccuracies in the information not maintained by them, such as linked sites. Any opinion or advice expressed in a linked site should not be construed as the opinion or advice of Financial Services – Serguei Totrov.
By clicking on a third-party link, you will leave this website. Privacy and security policies may differ from those practiced by Financial Services – Serguei Totrov.

Calculators & Rate of Return Disclaimer Calculator

This calculator is for illustrative purposes only and should not be relied upon as an accurate indication of your financial retirement needs. As each individual’s situation is different and changes over time, the results are limited by the accuracy of the assumptions you make in providing the information used in the calculation. I (we) do not guarantee that this calculator is reliable, accurate or complete or that it will be compatible with your computer.

Illustration Disclaimer

The rate of return or mathematical table shown] is used only to illustrate the effects of the compound growth rate and is not intended to reflect future values of the mutual fund or returns on investments in the mutual fund.

Warranty Disclaimer

Financial Services – Serguei Totrov does not warrant the accuracy, completeness, quality, adequacy or content of any information or tool on the website nor does it make any warranty as to the results that may be obtained from the use of the service.
The website and content are provided “as is” without warranty or condition of any kind. Financial Services – Serguei Totrov does not warrant that this site or any sites, to which this site is linked, and any information, or other material downloaded from this site, or linked sites are uninterrupted, error-free, or free of viruses, defects or other harmful components.

Accuracy and Changes

The information presented on this site is provided as a general source of information, and is not guaranteed to be current, accurate, or complete, and is subject to change without notice.

Segregated Funds

Subject to any applicable death and maturity guarantee, and part of the premium or other amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value according to fluctuations in the market value of the assets in the segregated fund.

Foreign Language Disclaimer

The official text is the English version of the website. Any discrepancies or differences created in the translation are not binding and have no legal effect for compliance or enforcement purposes. If any questions arise related to the accuracy of the information contained in the translated website, please refer to the English version of the website which is the official version.

Limitation of Liability

Financial Services – Serguei Totrov will not be responsible or liable for any direct, indirect, special, incidental, or consequential damages, or any other damages whatsoever, including, without limitation, lost revenues, lost profits or loss of prospective economic advantage, resulting from the use or misuse of this website, or the information or documents thereof, even if advised of the possibility of such damages or such damages are reasonably foreseeable.


The Internet is not a secure medium and privacy cannot be assured. E-mail is vulnerable to interception and forging. Financial Services – Serguei Totrov. cannot ensure the privacy of any information or instructions you send to us or that we send to you over the Internet. Financial Services – Serguei Totrov will not be responsible for any damages you may incur if you communicate confidential information to us over the Internet or if we communicate such information to you at your request.

E-mail Disclaimer

E-mail over the internet is not a secure medium and privacy cannot be guaranteed. Serguei Totrov cannot accept any responsibility for any harm or damage incurred as a result of sending personal or confidential information to Serguei Totrov over the internet, or if information is sent over the internet at your request.