Coigne Capital Inc. — Primary Website Disclaimer

(to appear in each page footer or on a dedicated “Legal & Regulatory” page; last updated 6 July 2025)

1. Jurisdiction Notice

This website is directed exclusively to residents of the Province of Québec. Nothing herein constitutes an offer, invitation, or solicitation in any other province, territory, or foreign jurisdiction.

2. Product Availability & Licensing

3. Financial-Planning Collaboration Notice

Sergio A. Paier is not registered as a “Financial Planner” (Planificateur financier) under Québec’s Regulation respecting the issuance and renewal of representatives’ certificates. Comprehensive plans are therefore prepared in collaboration with duly certified professionals (Pl. Fin. / CFP) within our CIRO- and AMF-regulated network (Global Maxfin Investments Inc. & QFS).

Sergio’s role is to:

1. Determine objectives and coordinate the planning process;
2. Provide product-level advice within his licences (mutual funds, insurance, deposits); and
3. Work with the designated Financial Planner, legal, and tax experts to ensure suitability and compliance.

Any formal financial plan you receive will be issued or co-signed by a professional holding the requisite financial-planning designation and registration.

4. Opinions, Sources & No-Advice Statement

Views expressed are those of the author and may not reflect those of Global Maxfin Investments Inc. While information is believed reliable, no warranty is made as to its accuracy or completeness. Nothing on this site constitutes personalized financial, accounting, legal, or tax advice. Consult appropriate professionals regarding your circumstances.

5. Dual-Licensing & Outside Business Activities

Although Sergio A. Paier and Coigne Capital distribute mutual funds through Global Maxfin Investments Inc., the following services are provided outside Global Maxfin’s regulatory responsibility:

• High-interest savings accounts (HISA) & Guaranteed Investment Certificates (GICs)
• Fee-for-service financial planning
• Estate- and tax-planning services, including income-tax preparation
• Life, accident & sickness, disability, and other insurance products

Always confirm the entity responsible for each transaction.

6. Link Disclaimer

External links are provided for convenience. Coigne Capital Inc., Sergio A. Paier, and Global Maxfin Investments Inc. do not endorse or accept responsibility for third-party content, accuracy, or privacy practices.

7. Mutual-Fund Disclosure

Commissions, trailing commissions, management fees, and expenses may be associated with mutual-fund investments. Read the prospectus before investing. Mutual-fund values fluctuate, and past performance may not be repeated. Mutual funds offered through Global Maxfin Investments Inc. are protected by CIPF within applicable limits.

8. Market Commentary Disclaimer

Articles and commentary reflect personal opinions and do not constitute offers or solicitations. Securities discussed may be restricted or unavailable in certain jurisdictions.

9. Borrowed-Money (Leverage) Warning

Borrowing to invest increases risk. Your obligation to repay loan principal and interest remains even if investment values decline. Coigne Capital does not advertise generic leverage strategies; any reference to RRSP loans pertains only to permitted tax-planning tactics.

10. Calculators & Illustrations

Online tools are illustrative only and depend on user-supplied assumptions. Hypothetical rates of return (e.g., 8 %) are not guaranteed.

11. Suitability

Product descriptions here are not solicitations. Suitability depends on your objectives, risk tolerance, and financial situation. Obtain individualized advice.

12. Email & Internet Security

Internet email is not secure. Coigne Capital Inc., Sergio A. Paier, and Global Maxfin Investments Inc. disclaim liability for any loss arising from electronic communications.

13. Warranty & Limitation of Liability

All content is provided “as is.” Coigne Capital Inc., Sergio A. Paier, and Global Maxfin Investments Inc. are not liable for any direct or consequential damages resulting from website use.

14. Segregated Fund Notice

Except for contractual death or maturity guarantees, segregated-fund values vary with market performance and may increase or decrease.

15. Foreign Language Translation

The English version of this website is the official text. Translations are provided for convenience only and have no legal effect.

16. U.S. Tax Disclaimer

Any U.S. federal tax discussion is not intended or written to be used for the purpose of avoiding U.S. tax penalties.