Due Diligence

You are in control. Know the facts before making investment choices.

Decisions regarding the long term management of your retirement savings, or finding the means to increase the utility of your savings today, demand due diligence.

Before you determine whether iFinance is the right partner for you, get the facts and ask all the questions you have. Then you can decide if iFinance is right for you. Contact us at askus@ifinance.ca.

To get you started, we have listed some background information, suggested reading, as well as some important questions we are frequently asked. We welcome any and all enquiries – there are no bad questions when it comes to protecting your nest egg, or building your personal wealth. Remember, no matter what happens in the financial marketplace, it’s your future not someone else’s.

First step: Read the Offering Memorandum. An offering memorandum is provided once you have completed a Quick Application. This standardized offering document provides you with all the information you will need for our program.

Accountability & Advice.

iFinance is fully accountable to the provincial securities commissions for each province in which we work. Every investment transaction we do is reported specific to your province.

Our professional contracted advisors include:

Legacy Tax + Trust Lawyers

Legacy is a Vancouver based law firm practicing exclusively in Tax and Trusts. They provide Investec & iFinance with tax opinions on the eligibility of our bonds based on current and potential legislation.

Fasken Martineau LLP (Law Firm)

Fasken Martineau is a leading international business and litigation law firm with roots in Canada since 1888. They advise on and develop both Investec and Pacific Financial Corp.’s contracts and offerings, ensuring we are up to date and compliant with all loan legislation.

BDO Dunwoody LLP (Chartered Accountants and Advisors)

BDO Dunwoody is a national accounting services and advisory firm who prepares financial statements and tax reporting for our companies.

We contract these advisors for their due diligence, and their professional advice. Knowledge is a key to our success and the key to knowledge is constant questioning, reviewing and a willingness to accept both advice and change. Our program depends on the best Canadian advice available.

Important questions:

#1 - Is the company credible and do they obtain 3rd party advice?

> Do they employ third party legal counsel to ensure they are compliant with securities regulations?
> Does the Offering Memorandum include a third party tax opinion?
> What is their privacy policy to protect your personal information?
> Will the company respond to your inquiries in a timely fashion?
> Will you have the freedom to reverse your investment decision?

#2 - Talk to your professional advisor and ask tough questions.

> What do they know about the prospective company? Have them call the prospective company with any technical questions you have.
> Visit your provincial securities regulator website to check for current bulletins regarding the company you are considering doing business with.

#3 - Check the company’s references.

> Do they have endorsements from happy customers?
> Are they open and honest about their paperwork, rates and financial commitments required?
> Do they provide you with all mandatory documents and other support material?

#4 - Ask as many questions as you need to feel comfortable with the financial decision you’re making! Its your money!

*This should not be construed as financial advice.