Terms of Use Agreement

By accessing any of the websites or mobile applications (collectively, hereinafter "website" or "websites") operated by The Retirement Shield, including www.rshield.ca, you, the user, agree to be bound by all of the terms for use and agree these terms constitute a binding contract between the user and Mars Empire Group Inc.These Terms of Use apply to all users.

Copyright

This website/database is a copyright-protected work which is owned by Retirement Shield of Mars Empire Group Inc. Part of the contents of this website/database,including all reports and related information, images and photographs (collectively,"Website Content"), are also protected by copyright, which is owned by the Retirement Shield who supplied the content and/or by third parties, and is reproduced in this website/database under license. The contents of this website/database, including the reports, are intended for the private, non-commercial use by individuals. Any commercial use of the website/database, including the Website Content, in whole or in part, directly or indirectly, is specifically forbidden except with the prior written authority of the owner of the copyright.Users may, subject to these Terms of Use, print or otherwise save individual pages for private use. However, the contents of this website/database, including the Report (Basic or Comprehensive), may not be modified or altered in any respect, merged with other data or published in any form, in whole or in part. The prohibited uses include "screen scraping", "database scraping" and any other activity intended to collect, store,reorganize or manipulate data on the pages produced by, or displayed on the www.rshield.ca websites.

Disclosure

This projection has been based on information which you have provided. The information has neither been reviewed nor otherwise attempted to be verified as to its accuracy or completeness. This projection is not a substitute for a comprehensive financial plan and should not be relied upon as your sole or primary means for making financial planning decisions. No record of this interaction or its results will be maintained. Strategies that may be appropriate at one stage of life or point in time can become inappropriate in the future. Changing needs and circumstances, including changes to the economy and securities markets in general, make it prudent to determine whether your strategy should be updated. Although every reasonable effort has been made to ensure accurate calculations, they cannot be guaranteed in any way.The projection can assist you in evaluating your current financial situation and determine your ability to achieve your objectives in the future. However, all final decisions relating to your investment strategies, cash flow management and/or any recommendations in the report are yours. This projection provides general recommendations, based on the information provided by you or gathered from the third parties upon your consent and the assumptions made regarding inflation, saving rates,interest rates and investment returns. This report is not a financial plan and is not intended as a solicitation or advice to purchase specific investments.

Liability and Warranty Disclaimer

Retirement Shield makes no representations about the suitability of the data or graphics published on this website. Everything on this website is provided "As Is" without warranty of any kind including all implied warranties and conditions of merchantability,fitness for a particular purpose, title and non-infringement. Retirement Shield may remove or change any content on this website for any reason. Neither Retirement Shield nor Mars Empire Group Inc. any of its suppliers shall be liable for any direct,incidental, consequential, indirect or punitive damages arising out of the user's access to or use of this website.

Assumptions

The rate of return on your investment in many cases is assumed to be a constant rate and depends on the investment style you selected. The expected rate of return of the investment style selected is an estimate based on historical returns that may or may not include reinvested dividends and capital gains. The projection assumes a diversified portfolio which is rebalanced on a regular basis. However, the projection and likelihood of the investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Taxes are considered at the tax rate provided. The information you provided is assumed to be true and constant over time.This includes the assumption that you will make all contributions over the time frame specified. The projections are also based on the dates you enter and do not consider the impact on your savings should you live longer or shorter than the period you enter.The projection assumes that you and your spouse or partner (if applicable) were born on June 30 unless you entered an exact date of birth. Therefore, actual results may vary. The income growth rate is assumed to be the same between you and your spouse or partner, if applicable. The company savings plans are assumed to be all tax deferred plans. The allocation between tax deferred and non-tax deferred plans is constant throughout time and across spouses. The tax rate entered by you may be considered constant for the duration of the projection.

No Waiver

Retirement Shield failure or delay to enforce any of the terms and conditions under these Terms of Use shall not operate as a waiver of any of Retirement Shield's rights or privileges under these Terms of Use.

Termination of Access

Retirement Shield reserves the right, in its sole discretion, to terminate, limit or suspend any user's access to this website without notice or liability, for any reason whatsoever,including the user's breach of any of these Terms of Use.

Limitations

Unexpected market movements may occur resulting in significant changes in rates of returns. The degree of uncertainty normally increases with the length of the future period covered. The projections and other information regarding various investment outcomes are hypothetical in nature, do not reflect actual results and are not guarantees of the future results. This projections and other information regarding various investment outcomes are hypothetical in nature, do not reflect actual results and are not guarantees of the future results. The projection does not consider all asset classes and in fact excludes, as an example, certain assets such as real estate, precious metals, and currencies. This projection does not consider all asset classes and in fact excludes, as an example certain asset such as real estate, precious metals, and currencies. This projection does not consider all asset classes and in fact excludes, as an example, certain assets such as real estate, precious metals, and currencies. This projection may not include all taxes applicable to your situation and any changes in tax laws. The inflation in many cases is assumed to be constant. This projection is not intended to predict the future value of actual investments or actual holdings in your portfolio. It is also not intended to predict the current and future values of actual lifetime income levels. The projection should not be used as the primary basis for any investment or tax-planning decisions. The primary objective is to help you identify a strategy. This material is provided for general and educational purposes only and is not intended to provide legal, tax or investment advice.

IMPORTANT:

The projections or other information generated by this report regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. The simulations are base4d on assumptions. There can be no assurance that the projected or simulated results will be achieved or sustained. The charts present only a range of possible outcomes. Actual results will vary with each use and overtime, and such results may be better or worse than the simulated scenarios. Individual should be aware that the potential for loss (or origin) may be greater than demonstrated in simulations.

Updates, Upgrades and Revisions

Where the user downloads and installs Retirement Shield applications the user agrees to future updates and upgrades of such mobile or Website applications. User can decline automatic updates and upgrades to mobile applications by changing user settings, for example, in the operating system or app platform, where such settings are available.

Retirement Shield may at any time revise these Terms of Use by updating this posting.All users of this website are bound by these conditions and should therefore periodically visit this page to review any changes to these requirements. The user's continued use of this website following the posting of any changes constitutes acceptance by the user of such modifications.

Severability

If any of the provisions of these Terms of Use are held invalid or unenforceable, such a finding will not affect the validity of any other provisions of these Terms of Use, unless the invalidity or unenforceability would invalidate the remainder of these Terms of Use.

Language

If these Terms of Use are translated into a language other than English and there are conflicts between the translations, the English version shall prevail and control.

No Assignment

You are not permitted to assign or otherwise transfer partially or totally your rights and obligations under these Terms of Use.

Entire Agreement

These Terms of Use contain and constitute the entire understanding and agreement between you and Retirement Shield and supersede all previous negotiations,agreements, commitments and writings. You acknowledge that you have not relied on or been induced to enter into these Terms of Use by a representation or warranty other than those expressly set out in these Terms of Use.

Governing Law

These Terms of Use shall be governed by the laws of Ontario, Canada. The courts in Toronto, Ontario, will have exclusive jurisdiction to hear and decide any disputes relating to these Terms of Use.