Ternion Financial

Client Experience

Experience

The Ternion Difference

Integrity, Ethics and Transparency are at the core of the Ternion Client experience. Our objective is to work with our Clients in an informative manner to ensure that due diligence is the utmost integral part of each and every investment opportunity.
The Ternion Experience

Ternion only offers introductory services as an Exempt Market Dealer to its Investor Clients and to its Issuer Clients that are looking to complete a Prospectus-Exempt Offering of its securities.

Your Dealing Representative is responsible for providing suitable and unbiased investment recommendations to you that meet your requirements based on the Know Your Client (“KYC”) information that you provided to us upon opening an account with us.

You must authorize all investment decisions.

Investor Risks & Consideration

The issuers that Ternion deals with offer securities by Offering Memorandums and term sheets. These are high risk investments, and there is a potential for loss of the entire investment. There is no assurance of any return on an investor’s investment.

Security specific risk is the impact of events on an Issuer’s profitability, prospects and/or demand for its securities.

Risk Consideration 1

Inflation risk is the risk of a decline in the purchasing power of savings due to a general rise in prices.

Risk Consideration 2

Liquidity risk is the risk that the Client may not be able to sell its holdings on a timely basis and/or at a price near the current market price or sell its holdings at all. Securities that are sold under an exemption (“exempt security”) are subject to rigorous resale rules that may result in a Client never being able to sell and recover any part of the investment. An investment in exempt security should only be considered by investors who do not require liquidity.

Risk Consideration 3

Credit and Default risk – The securities could be from a non-reporting issuer. This type of issuer does not have to publish financial information or notify the public of changes in its business.

Client Focused

Dedicated to you

We will assess whether a purchase of a security is suitable for you prior to making a recommendation to you. If during the suitability review, we identify any concerns, we will discuss them with you and document our discussion. If we are strongly concerned with your decision to maintain unsuitable or proceed with the investment, we may refuse to execute the transaction.

Investment Knowledge / Experience

Your Dealing Representative needs to understand your level of investment knowledge and experience in order for them to make suitable investment recommendations. Investment knowledge and experience encompass an understanding of the characteristics of various types of securities, experience in investing in those securities, and experience holding investment in various market cycles. Your level of investment knowledge and experience may change over time.

Investment knowledge and experience levels are commonly described as follows:

Extensive

You have traded in most types of investment products including knowledge of alternative investments (options, private equity, and hedge funds) speculative and short selling strategies and an appreciation of the risks and rewards involved in trading these securities.

Moderate

You have either traded in or have some knowledge of the basic characteristics of investment securities, as well as basic understanding of the degree of risk and reward inherent in these types of securities.

Limited

You have had some investment experience but may not have a full understanding of the basic characteristics of the various types of securities and the degree of risk associated with these securities.

Poor/none

You have very limited or no knowledge of the basic attributes of investment securities.

Investment Objectives

Your investment objectives are subject to the risk you are able and willing to take. Your investment objectives are to allocate the following (approximate) percentages of the assets held in your account(s) with our firm to:

Safety

Growth

Income

Speculation

Time Horizon

The investment time horizon plays an important role in setting return objectives and defining liquidity constraints. Investment time horizon should be determined by considering when you may want to access some, or all of the money invested through Ternion. When Ternion assesses suitability of an order for you, we will ensure each order is in the context of your circumstances and KYC described above. Our understanding of your KYC is critical in helping assess the suitability of investments for you.

Account statements

We provide our Clients with access to their own online portal within 30 days of purchase.

Conflicts of Interest

The securities laws of the Province of Ontario require securities dealers and advisers, when they trade in or advise with respect to their own securities or securities in certain other issuers to which they, or certain other parties related to them, are related or connected, to do so only in accordance with particular disclosure and other rules. These rules require dealers and investment advisers, prior to receiving an order or engaging an investor with a particular issuer, to inform them of the relevant relationship and connections with the issuer of the securities.

Investors should refer to the applicable provisions of these securities laws for the particulars of these rules and their rights.

With any investment comes uncertainty, questions and hesitation. An Investor may potentially feel dissatisfied or frustrated with their experience. To ensure our practice of transparency and to maintain trust, we encourage our Clients to immediately contact us with any questions or concerns that they may have in an effort to put them at ease.

Failing that, we maintain a regulated and required, strict Complaint Handling & Resolution Process.