Mosaic Financial collects non-personally identifiable information from you regarding your usage of our website ("Non-Personally Identifiable Information"). Non-Personally Identifiable Information may include, without limitation, website pages viewed, articles, presentation and videos viewed, time spent using certain features of the website, demographic data such as server locations, cookies existing on your computer, search criteria used and results, date, time, connection speed, and other information which does not specifically identify you. We collect this information using various technologies, including, but not limited to, cookies and server logs. "Cookies" are pieces of information that may be placed on your computer by a website for facilitating and enhancing your communication and interaction with that website. "Server logs" can be either a single log file or several log files automatically created and maintained by a server of activity performed by the server, which can include information about any transaction you conduct with the server.
Mosaic Financial also collects information from you when you sign up for an account, make an investment, verify your identity or accredited investor status, provide payment instructions or send us an email through the Mosaic Financial website which may enable us to identify you personally, such as your email address, name, phone number, birthday, age, taxpayer identification number, investment objectives, investment experience, assets and income, information from your transactions with us, such as your account balance and account usage, information obtained from others, such as credit reporting agencies, physical address such as home or business address, or internet protocol ("IP") address, which may also be contained on server logs, or other information you provide or upload to the website such as photographs, answers to questionnaires or surveys, or responses filled in on blank forms made available on the site. ("Personally, Identifiable Information" and collectively with the Non-Personally Identifiable Information, the "Data")). We may also collect and store information, which could include Non-Personally Identifiable Information or Personally Identifiable Information, locally on your computer or device using mechanisms such as browser web storage or application data caches.
We use analytics programs and service providers, such as Google Analytics, which can use first party cookies to report on your interactions with the Mosaic Financial website. Google Analytics collects information including, but not limited to, the time of each of your visits to the Mosaic Financial website, whether you have visited the Mosaic Financial website before, what site referred you to the Mosaic Financial website, and what pages you viewed on the Mosaic Financial website.
We may also have access to your Personally Identifiable Information when you log into our website through certain third-party social networking services, including LinkedIn ("Third Party Services"). We encourage you to carefully review the privacy policies of any Third-Party Services from which you access our website.
Mosaic Financial will use information you provide consistent with this Notice. Mosaic Financial will use information you provide to us, including Non-Personally Identifiable Information or Personally Identifiable Information, to better serve you and enhance your experience with the Mosaic Financial website, among other things. This may include having to modify or copy such information, such as images or textual or narrative content you provide, to provide you with a seamless and enjoyable experience.
Toward these ends, you consent to our use and disclosure of any information submitted to us via the Mosaic Financial website, or information collected when you access the Mosaic Financial website in any manner, and you acknowledge that you have no expectation of privacy, confidentiality or privilege in such information.
Mosaic Financial will use Non-Personally Identifiable Information and Personally Identifiable Information (1) to direct our products and services to you, (2) to provide services and products requested by you, (3) to enable our vendors and contractors to provide and assist us in the operation, troubleshooting and analysis of our website and other services, (4) to meet any regulatory requirements for the offer or sale of securities required by law, rules or regulations to our affiliates or members, (5) to engage in any other lawful activities we believe are consistent with the foregoing, and (6) to protect against legal liability. We may provide any of these services through third-parties, which may necessitate sharing Personally Identifiable Information and Non-Personally Identifiable Information with them.
If you provide Data for a certain reason, we may use the Data in connection with the reason for which it was provided. For instance, if you contact us by email, we will use the Data you provide to answer your question or resolve your problem. Mosaic Financial may also use your Data and other personally non-identifiable information collected through our website to help us improve the content and functionality of our website, to better understand our users and to improve our services. Mosaic Financial may use this information to communicate with you regarding our services or to tell you about services we believe will be of interest to you. If at any time you wish not to receive any future communications, or you wish to have your name deleted from our mailing lists, please contact us as indicated below. Note however that as user of our services we will send you administrative communications that are reasonably necessary to our services, such as billing or service notifications.
Mosaic Financial may make your information, including Non-Personally Identifiable Information or Personally Identifiable Information, available on its website and visible to other users of or visitors to the Mosaic Financial website. For instance, subject to certain preferences and permissions as to visibility you will be allowed to make, information you provide about yourself in response to questionnaires on our site may be made available to others such as information concerning your status as an accredited investor. As such, other users of our website may be able to personally identify you based on your information made available on our site. As a further example, if you utilize Third-Party Services to log into our website, other users to whom you may be connected to through such Third-Party Service may be able to view or follow information about you on our website, including Non-Personally Identifiable Information or Personally Identifiable Information.
Mosaic Financial employs or contracts with other third-parties, companies, or individuals to perform certain functions or services on its behalf. Examples of these services from such third-parties, companies, or individuals, may include ID verification, accreditation/financial/credit verification, electronic document signing, payment storing and processing, sending postal mail and e-mail, escrow services, disbursement of funds, analyzing data, providing marketing assistance, and providing customer service. As such, these third-parties, companies, or individuals may have access to your information, including Non-Personally Identifiable Information or Personally Identifiable Information, as needed to perform their functions or services, and may not use it for other purposes.
Mosaic Financial may also use and disclose Personally Identifiable Information and Non-Personally Identifiable Information: to investigate and help prevent potentially unlawful activity or activities; to protect and defend our rights or property or the rights or property of others; as required by courts or administrative agencies; and in connection with a financing, sale, merger, or reorganization of Mosaic Financial's business or assets. Any successor in interest to our business would acquire the information we maintain, including Personally Identifiable Information, and may alter the terms of this Privacy Notice.
Mosaic Financial may disclose your Data if required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation, (ii) protect and defend the rights or property of Mosaic Financial, (iii) act in urgent circumstances to protect the personal safety of users of the website or the public against fraud or other harm, or (iv) protect against legal liability.
Mosaic Financial does not and will not sell any of your information, including Non-Personally Identifiable Information or Personally Identifiable Information, to any third-party for purposes of advertising, soliciting, or telemarketing.
The Mosaic Financial website contains links to other websites and services not maintained by Mosaic Financial. In addition, other websites and services may also reference or link to the Mosaic Financial website. We encourage you to be aware when you enter or leave our website, or surf the Internet, and to read the privacy statements of each website and service that you visit. We do not endorse, screen, or approve, and are not responsible for the privacy practices or the content of, other websites or services.
The Mosaic Financial website permits users to communicate with companies and other users posting information on the website. We may read, collect and analyze information transmitted between users for regulatory compliance and marketing purposes. We do not guarantee that information provided by website visitors or investors is accurate or complete. Mosaic Financial assumes no liability or responsibility for any errors or omissions in the content of its website.
We may at times send you e-mail communications with marketing or promotional materials. If you prefer not to receive such marketing or promotional e-mails from us, you may unsubscribe completely by emailing us at: firstname.lastname@example.org. Please note that opt-out requests may take up to one (1) week to process. Please also note that at times we may need to send you e-mail communications that are transactional in nature such as service or termination announcements or payment confirmations which are communications you will not be able to opt-out of.
You will be able to modify the information concerning your account by visiting your profile page and editing any information you wish to change. You will be able to change your e-mail address, password, contact information, or other log in information by visiting your account's settings page subject to site policy. If you wish to delete your account or need help modifying account information, please contact us at email@example.com.
Through your account settings you will be able to set certain preferences and permissions regarding the visibility of your information, including Non-Personally Identifiable Information or Personally Identifiable Information, to others. You may stop or restrict the placement of Mosaic Financial's cookies and third-party cookies on your computer by adjusting your web browser preferences or a "Do Not Track" setting in your web browser. If you do so, you may still use our website, but this may interfere with some of its functionality.
If you would like us to remove your Personally Identifiable Information from our database, please send a request to: firstname.lastname@example.org.
We are not responsible for removing your Personally Identifiable Information from the lists of any third-party who has previously been provided your information in accordance with this notice.
We use commercially reasonable efforts to secure access to Personally Identifiable Information in our possession, including bank-level encryption, support instant identification and account verifications to ensure that you have a safe experience on Mosaic Financial, but will not be liable for any failure to safeguard such information, whether inadvertent or otherwise. Personally, Identifiable Information is also stored with third parties who have informed us that they also use reasonable efforts to secure access to Personally Identifiable Information, but we will not be liable for the failure of any third-party to safeguard Personally Identifiable Information, whether inadvertent or otherwise.
We protect the security of your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts information you input. Wherever appropriate, we obfuscate and/or encrypt information in our systems and/or during information transfer. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security.
We utilize third-party service providers who may store on their servers tax identification numbers, addresses, financial information, electronic signatures, and payment information.It is important for you to protect against unauthorized access to your password and to your computer. Be sure to log off when finished using a shared computer.
We reserve the right, in our sole discretion, to change, modify, add, or remove portions of this notice at any time. Any changes or updates will be effective immediately upon posting to the web site and sending a notification to all registered users via email regarding such update. You should review this notice regularly for changes and can determine if changes have been made by checking the Effective Date below. Your continued use of our website following the posting of any changes to this notice means you accept such changes.
The Mosaic Financial website is maintained in The Bahamas. By accessing the Mosaic Financial website, you consent to and authorize the export of Personally Identifiable Information to The Bahamas and its storage and use as specified in this Privacy Notice.
This Privacy Notice shall be governed by, construed and entered in accordance with the laws of The Bahamas applicable to contracts deemed to be made within the nation, without regard to choice of law or conflict of law provisions thereof. All disputes with respect to this Privacy Notice shall be governed by our Agreement. YOU HEREBY WAIVE YOUR RIGHT TO A TRIAL BY JURY WITH RESPECT TO ANY CLAIM, ACTION OR PROCEEDING, DIRECTLY OR INDIRECTLY, ARISING OUT OF, OR RELATING TO, THIS AGREEMENT TO THE FULLEST EXTENT PERMITTED BY LAW.
This Privacy Notice was last updated on May 28th 2021.
Copyright © 2021 Mosaic Financial Ltd. - All Rights Reserved.
Any reproduction or distribution of this website, as a whole or in part, or the disclosure of the contents hereof, without the prior written consent of Mosaic Financial Ltd. is prohibited.
Mosaic Financial Ltd. is located in Nassau, The Bahamas, and is registered as a broker dealer with the Securities Commission of The Bahamas (SCB).
Mosaic Financial (Canada) Ltd. is located in Toronto, Ontario, and is applying for registration as an exempt market dealer with the Ontario Securities Commission (OSC).
Registration does not imply any specific level of skill or training and does not constitute an endorsement of the firm by OSC or SCB. Mosaic Financial Ltd. and Mosaic Financial (Canada) Ltd. (together "Mosaic Financial") transact business only in jurisdictions in which Mosaic Financial is properly registered or is excluded or exempted from registration.
Please note, the information provided on this website is for informational purposes only and investors should determine for themselves whether a particular service or product is suitable for their investment needs. Please refer to the disclosure and any offering documents for further information concerning specific products or services.
This site may contain forward-looking statements relating to the objectives, opportunities, and the future performance of the capital markets generally. Forward-looking statements may be identified by the use of such words as; “believe,” “expect,” “anticipate,” “should,” “planned,” “estimated,” “potential” and other similar terms. Examples of forward-looking statements include, but are not limited to, estimates with respect to financial condition, results of operations, and success or lack of success of any particular investment strategy. All are subject to various factors, including, but not limited to general and local economic conditions, changing levels of competition within certain industries and markets, changes in interest rates, changes in legislation or regulation, and other economic, competitive, governmental, regulatory and technological factors affecting our firms’ operations that could cause actual results to differ materially from projected results. Such statements are forward-looking in nature and involve a number of known and unknown risks, uncertainties and other factors, and accordingly, actual results may differ materially from those reflected or contemplated in such forward-looking statements. Prospective investors are cautioned not to place undue reliance on any forward-looking statements or examples. None of Mosaic Financial or any of its affiliates or principals nor any other individual or entity assumes any obligation to update any forward-looking statements as a result of new information, subsequent events or any other circumstances. All statements made herein speak only as of the date that they were made.
Certain hyperlinks or referenced websites on this site, if any, are for your convenience and forward you to third parties’ websites, which generally are recognized by their top level domain name. Any descriptions of, references to, or links to other products, publications or services does not constitute an endorsement, authorization, sponsorship by or affiliation with Mosaic Financial with respect to any linked site or its sponsor, unless expressly stated by Mosaic Financial. Any such information, products or sites have not necessarily been reviewed by Mosaic Financial and are provided or maintained by third parties over whom Mosaic Financial exercises no control. Mosaic Financial expressly disclaims any responsibility for the content, the accuracy of the information, and/or quality of products or services provided by or advertised on these third-party sites.
To submit a complaint, direct a letter to:
Mosaic Financial Ltd.
Caves Village Plaza, Building 6
West Bay Street
P.O. Box SP-63771
Nassau, NP, Bahamas
Mosaic Financial (Canada) Ltd.
2600 - 55 Avenue Road, Toronto, Ontario
CANADA M5R 3L2
The complaint does not need to follow a specific format. However, please provide your name, address, phone number, and email address.
If you are representing a complainant, provide the contact information for yourself, evidence of such representation such as a representation agreement, and information regarding the person/group that you are representing.
Please include a brief description of the nature of the complaint, including a chronology of events that leads up to the triggering point of the complaint, background information of the complaint, and any steps taken in an attempt to resolve your complaint and/or issues given rise to your complaint.
All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions, may materially alter the performance of your portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will either be suitable or profitable for a client’s portfolio. There are no assurances that the portfolio will match or outperform any particular benchmark.
Nothing provided herein constitutes tax advice. Individuals should seek the advice of their own tax advisor for specific information regarding tax consequences of investments. Investments in securities entail risk and are not suitable for all investors. This is not a recommendation nor an offer to sell (or solicitation of an offer to buy) securities in the United States or in any other jurisdiction.