Terms & Conditions

Last updated: January 1, 2026

1. Acceptance of Terms

By accessing and using the Gallagher Financial website (gallagherfinancial.ca), you accept and agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our website.

2. Services Description

Gallagher Financial provides independent financial planning, investment advisory, and insurance brokerage services in London, Ontario, Canada. Our services include but are not limited to:

  • Financial planning and wealth management consulting
  • Investment product recommendations (RRSPs, TFSAs, segregated funds, managed portfolios)
  • Insurance brokerage (life, disability, critical illness, health & dental)
  • Retirement and estate planning guidance

3. Not Financial Advice

The information provided on this website is for general informational purposes only and does not constitute financial, investment, tax, or legal advice. The content should not be relied upon as a substitute for professional advice tailored to your specific circumstances.

Before making any financial decisions, we recommend consulting directly with our advisors or another qualified professional who can assess your individual situation.

4. Regulatory Compliance

Gallagher Financial operates under the regulatory oversight of applicable Canadian financial regulatory bodies. Our investment and insurance recommendations are made in compliance with all applicable federal and provincial regulations.

5. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Gallagher Financial or its content suppliers and is protected by Canadian and international copyright laws. You may not reproduce, distribute, or create derivative works from this content without our express written permission.

6. User Responsibilities

When using our website or services, you agree to:

  • Provide accurate and complete information when requested
  • Not use the website for any unlawful purpose
  • Not attempt to gain unauthorized access to any part of the website
  • Not transmit any viruses, malware, or harmful code
  • Not use automated systems to access the website without permission

7. Limitation of Liability

To the fullest extent permitted by law, Gallagher Financial shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services. This includes, but is not limited to, damages for loss of profits, data, or other intangible losses.

Investment products carry inherent risks, and past performance does not guarantee future results. We do not guarantee any specific investment outcomes.

8. Third-Party Links

Our website may contain links to third-party websites. These links are provided for your convenience only. We do not endorse, control, or assume responsibility for the content or practices of any third-party websites.

9. Privacy

Your use of our website is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information.

10. Modifications

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to this website. Your continued use of the website following any changes constitutes acceptance of the new terms.

11. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the Province of Ontario, Canada. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of Ontario.

12. Severability

If any provision of these Terms and Conditions is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions remain in full force and effect.

13. Contact Information

For questions about these Terms and Conditions, please contact us:

Gallagher Financial
London, Ontario, Canada
Phone: 519-619-3241
Email: victoria@gallagherfinancial.ca