Terms of Use and Legal Notice

Last updated: March 10, 2026

​

Mandatory Notices
The website of Raphaël Guérette (the “Website”) is a service offered by Raphaël Guérette, who conducts business in Quebec.

​

Contact Information

• Address: 2540 Daniel-Johnson Blvd., Suite 710, Laval, Quebec H7T 2S3

• Phone: 450-686-8880, Ext. 6270

• Toll-free: 1-800-361-7423

• Fax: 450-686-7778

• Email: raphael.guerette@sfl.ca

​

Disclaimer
This Website is operated by Raphaël Guérette. It is not an official Desjardins website nor, unless expressly indicated, the website of any other entity of the Desjardins Group. References on this Website to SFL Wealth Management, are provided for professional identification purposes. The websites, portals, services, products, terms, and policies of third-party or affiliated entities remain separate and are governed by their own terms of use, legal notices, and applicable policies.

​

The content on this Website is provided for informational purposes only and does not constitute personalized accounting, tax, legal, or financial advice. You should obtain appropriate advice from a qualified professional before making any decision.

​

About the Affiliation
This Website identifies Raphaël Guérette as an Investment Advisor and Broker Representative affiliated with SFL Wealth Management,SFL Wealth Management is a trade name used by Worldsource Wealth Management Inc., part of the Desjardins Group. Unless otherwise indicated, information presented on this Website should not be construed as an offer, solicitation, guarantee of return, or promise of results.

​

Acceptance of the Terms
Accessing or using the Website constitutes acceptance of these Terms of Use. If you do not accept them, you must stop using the Website. Raphaël Guérette may amend these Terms at any time. The applicable version is the one posted on the Website as of the date indicated at the top. In the event of a material change, a notice may be published on the Website.

​

Definitions

• User: any person who visits the Website or uses a service offered on the Website.

• User Content: any data, information, file, document, or message submitted by a User through the Website, including via forms, email, or other interactive features.

​

Hosting and Security
The Website is hosted on the Wix platform and protected by a valid SSL certificate, subject to applicable technical settings.

Reasonable and proportionate measures are implemented to ensure the security, integrity, and availability of the Website. However, since no mechanism provides absolute security, a residual risk remains with any data transmission over the Internet.

​

Access to the Website
The Website is available free of charge, 24 hours a day, 7 days a week, subject to interruptions required for maintenance, updates, technical constraints, or force majeure. In the event of unavailability, reasonable efforts will be made to restore access as quickly as possible.

​

Permitted Use
You agree to use the Website lawfully, prudently, and responsibly. In particular, it is prohibited to:

• disrupt or attempt to disrupt the operation of the Website;

• access its systems, data, or features without authorization;

• extract Website content in bulk;

• infringe the rights of others, including their privacy, reputation, or intellectual property;

• transmit false, misleading, illegal, malicious, or defamatory content through the Website.

​

If the Website offers interactive features, you remain solely responsible for the content you submit.

​

Accuracy of Information
Raphaël Guérette strives to provide accurate, useful, and up-to-date information. However, no guarantee is provided regarding the accuracy, completeness, reliability, or timeliness of the information displayed on the Website.

Content may be modified, removed, or updated at any time, without notice.

​

No Professional Advice
The content on the Website is general in nature. It does not replace a personalized analysis or advice provided by a qualified professional based on your particular situation. Before making any financial, tax, legal, estate, or other decision, you should consult the appropriate professional.

​

Links to Third-Party Websites
The Website may contain links to third-party websites, including external portals, appointment booking platforms, social networks, or websites of affiliated companies or partners. These links are provided for convenience only. Raphaël Guérette has no control over such third-party websites and assumes no responsibility for their content, availability, practices, or policies.

​

Accessing such websites is at your own risk.

Intellectual Property
Unless otherwise indicated, all texts, visuals, logos, graphic elements, icons, documents, images, videos, downloads, layouts, and other Website content are the property of Raphaël Guérette or their respective rights holders, and are protected by applicable laws. Any reproduction, distribution, adaptation, republication, extraction, or use, in whole or in part, for purposes other than personal and private use is prohibited without prior written authorization.

​

Commercial Electronic Messages
If you choose to contact us, subscribe to a newsletter, or receive commercial electronic messages, such messages will be sent in accordance with applicable legislation, including Canada’s Anti-Spam Legislation (CASL). Where applicable, messages will include the sender’s identification and a simple, no-cost unsubscribe mechanism.

​

Privacy and Cookies
The collection and use of personal information through the Website are governed by the Website’s Privacy Policy.

The Website may use cookies or similar technologies to ensure proper operation, measure usage, improve user experience, and support certain technical or security functions.

​

Availability, Warranties, and Limitation of Liability
The Website and its content are provided “as is” and “as available.”

​

To the fullest extent permitted by applicable law, Raphaël Guérette disclaims all warranties, express or implied, including with respect to continuous availability, content accuracy, fitness for a particular purpose, uninterrupted operation, or absence of errors.

​

Raphaël Guérette, as well as any person or supplier involved in the operation of the Website, shall not be liable for any direct, indirect, incidental, consequential, special, punitive, or exemplary damages resulting from access to the Website, its use, inability to use it, or reliance on its content.

​

Indemnification
You agree not to seek indemnification and to indemnify and hold harmless Raphaël Guérette, its representatives, collaborators, suppliers, and agents from any claim, liability, loss, damage, expense, or reasonable fees arising from:

• your use of the Website;

• your breach of these Terms;

• your infringement of a third party’s rights;

• the content you submit through the Website.

​

Force Majeure
Raphaël Guérette shall not be held liable for any delay, interruption, or failure caused by an event beyond its reasonable control, including, without limitation, a breakdown, technical failure, cyberattack, natural disaster, labour dispute, service interruption by a supplier, network outage, or governmental measure.

​

Complaint Handling
Any complaint regarding services or the use of the Website may be submitted using the contact information below.

Complaints are handled with diligence, seriousness, and fairness, in accordance with applicable obligations. Where required by sector rules, complaint handling may also be subject to regulatory mechanisms applicable in the financial services industry.

​

Governing Law and Jurisdiction
These Terms are governed by the laws in force in Quebec and applicable federal laws of Canada.

​

Any dispute relating to the Website or these Terms shall be submitted to the courts of the judicial district of Laval, subject to any mandatory applicable rule.

​

Language
The Website and these Terms are provided in French. If an English version is made available, the French version shall prevail in the event of any discrepancy, subject to applicable rules.

​

Contact Us

• Address: 2540 Daniel-Johnson Blvd., Suite 710, Laval, Quebec H7T 2S3

• Email: raphael.guerette@sfl.ca

• Phone: 450-686-8880, Ext. 6270

• Toll-free: 1-800-361-7423

• Fax: 450-686-7778

• Website section: Contact Me