Your Privacy is Important to Us.

Bowie Financial Inc. (“us”, “we”, or “our”) operates www.bowiefinancial.com (the “Site”).

This page informs you of our policies regarding the collection, use and disclosure of Personal Information we receive from users of the Site.

We use your Personal Information only for providing and improving the Site. By using the Site, you agree to the collection and use of information in accordance with this policy.

Information Collection and Use

While using our Site, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may

include, but is not limited to your name (“Personal Information”).

Log Data

Like many site operators, we collect information that your browser sends whenever you visit our Site (“Log Data”). This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our Site that you visit, the time and date of your visit, the time spent on those pages and other statistics. In addition, we may use third party services such as Google Analytics that collect, monitor and

analyze this.

Communications

We may use your Personal Information to contact you with newsletters, marketing or promotional materials and other information.

Cookies

Cookies are files with a small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer’s hard drive.

Like many sites, we may use “cookies” to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept

cookies, you may not be able to use some portions of our Site.

Security

The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive

to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.

We reserve the right to update or change our Privacy Policy at any time and you should check this Privacy Policy periodically. Your continued use of the Service after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy.

Intellectual Property Rights

Other than the content you own, under these Terms, Bowie Financial Inc. and/or its licensors own all the intellectual property rights and materials contained in this Website.

You are granted limited license only for purposes of viewing the material contained on this Website.

Restrictions

You are specifically restricted from all of the following:

publishing any Website material in any other media; selling, sublicensing and/or otherwise

commercializing any Website material; publicly performing and/or showing any Website

material; using this Website in any way that is or may be damaging to this Website; using this

Website in any way that impacts user access to this Website; using this Website contrary to

applicable laws and regulations, or in any way may cause harm to the Website, or to any person

or business entity; engaging in any data mining, data harvesting, data extracting or any other

similar activity in relation to this Website; using this Website to engage in any advertising or

marketing.

Certain areas of this Website are restricted from being accessed by you and Bowie Financial

Inc. may further restrict access by you to any areas of this Website, at any time, in absolute

discretion. Any user ID and password you may have for this Website are confidential and you

must maintain confidentiality as well.

Your Content

In these Website Standard Terms and Conditions, “Your Content” shall mean any audio, video

text, images or other material you choose to display on this Website. By displaying Your

Content, you grant Bowie Financial Inc. a non-exclusive, worldwide irrevocable, sub licensable

license to use, reproduce, adapt, publish, translate and distribute it in any and all media.

Your Content must be your own and must not be invading any third-party’s rights. Bowie

Financial Inc. reserves the right to remove any of Your Content from this Website at any time

without notice.

No warranties

This Website is provided “as is,” with all faults, and Bowie Financial Inc. expresses no

representations or warranties, of any kind related to this Website or the materials contained on

this Website. Also, nothing contained on this Website shall be interpreted as advising you.

Limitation of liability

In no event shall Bowie Financial Inc., nor any of its officers, directors and employees, shall be

held liable for anything arising out of or in any way connected with your use of this Website

whether such liability is under contract. Bowie Financial Inc., including its officers, directors and

employees shall not be held liable for any indirect, consequential or special liability arising out of

or in any way related to your use of this Website.

Indemnification

You hereby indemnify to the fullest extent Bowie Financial Inc. from and against any and/or all

liabilities, costs, demands, causes of action, damages and expenses arising in any way related

to your breach of any of the provisions of these Terms.

Severability

If any provision of these Terms is found to be invalid under any applicable law, such provisions

shall be deleted without affecting the remaining provisions herein.

Variation of Terms

Bowie Financial Inc. is permitted to revise these Terms at any time as it sees fit, and by using

this Website you are expected to review these Terms on a regular basis.

Assignment

Bowie Financial Inc. is allowed to assign, transfer, and subcontract its rights and/or obligations

under these Terms without any notification. However, you are not allowed to assign, transfer, or

subcontract any of your rights and/or obligations under these Terms.

Entire Agreement

These Terms constitute the entire agreement between Bowie Financial Inc. and you in relation

to your use of this Website, and supersede all prior agreements and understandings.

Governing Law & Jurisdiction

These Terms will be governed by and interpreted in accordance with the laws of Ontario, and

you submit to the non-exclusive jurisdiction of the province and federal courts located in Canada for the resolution of any disputes.