The IntelligentInvesting Self-Directed Investing web and mobile applications (the “IISI app”) areowned and operated by Mogo Finance Technology Inc. (“Mogo”). All trading and registerableactivities are provided by IntelligentInvesting Securities Inc. (“IISI”), an order execution only brokerregistered with CIRO and subject to separate terms. The trading and investment services providedby IISI through the IISI app are referred to as the "IISI Services." By using the IISI app you agreeto comply with these Terms of Use. If you don’t want to agree to these Terms of Use, then don’tuse the IISI app.
Our Privacy Policy applies to the IISI app and is incorporated as a part of these Terms of Use. Byaccessing the IISI app, you agree to our Privacy Policy, as updated from time to time, and available here.
We may update these terms as we see fit at any time, without notice to you (unless notice isexplicitly required by law). You will be assumed to have consented to any changes to these Termsof Use if you continue using the IISI app after the effective date of any update to these Terms of Use.
PLEASE NOTE THAT MOGO RESERVES THE RIGHT TO SUSPEND OR TERMINATE YOURACCESS TO THE IISI APP AS IT SEES FIT AT ANY TIME.
is currently available to residents of Canada.
To access the full IISI app functionality including opening a self-directed investment account, youmust first open a MogoAccount. Your MogoAcount will allow you to login and access the IISI appas well as products including Mogo mortgage and line of credit products through www.mogo.ca.
YOUR MOGOACCOUNT IS GOVERNED BY THE MOGOACCOUNT TERMS AND CONDITIONS, ACCESSIBLE HERE.
Limited Functionality: Users who do not have a MogoAccount may access the following limitedIISI app functionality without opening a MogoAccount: market prices, watch lists, news.
Use of the IISI app may be available through a compatible mobile device, internet and/or networkaccess and may require software. You agree that you are solely responsible for theserequirements, including any applicable changes, updates and fees as well as the terms of youragreement with your mobile device and telecommunications provider. MOGO MAKES NOWARRANTIES OR REPRESENTATIONS OF ANY KIND, EXPRESS, STATUTORY OR IMPLIEDAS TO: (A) THE AVAILABILITY OF TELECOMMUNICATION SERVICES FROM YOUR PROVIDER AND ACCESS TO THE IISI APP AT ANY TIME OR FROM ANY LOCATION; (B)ANY LOSS, DAMAGE, OR OTHER SECURITY INTRUSION OF THE TELECOMMUNICATIONSERVICES; AND (C) ANY DISCLOSURE OF INFORMATION TO THIRD PARTIES OR FAILURETO TRANSMIT ANY DATA, COMMUNICATIONS OR SETTINGS CONNECTED WITH THE IISIAPP.
The IISI app is available through your personal device. You are responsible for the security of anydevice you use to access the IISI app.
You may not use the IISI app for any purpose that IISI deems improper, including, but not limited to:
Mogo and IISI use reasonable efforts to include accurate and up-to-date information in the IISIapp as to the truth, accuracy, reliability, usefulness, timeliness or completeness of that information.Neither Mogo nor IISI guarantee, and neither provides any warranties or conditions, that the IISIapp will be sufficient or appropriate for every individual or situation, will be current, uninterruptedor error free. THE IISI APP, THE IISI APP CONTENT, THE IISI SERVICES, OR ANY OTHERSERVICES PROVIDED BY MOGO OR ITS AFFILIATES ARE PROVIDED ON AN “AS IS, ASAVAILABLE” BASIS, AND YOU USE THE IISI APP AND THE IISI SERVICES AT YOUR OWNRISK. THE IISI APP CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. THE INFORMATION PROVIDED MAY NOT BE ACCURATE ORCURRENT, MAY NOT APPLY TO YOUR PARTICULAR SITUATION, OR MAY NOT BESUITABLE OR APPROPRIATE FOR YOU. WE STRONGLY URGE YOU TO CONSULT APROFESSIONAL OR SOME OTHER AUTHORITY IN THE APPROPRIATE FIELD BEFOREUSING ANY OF THE INFORMATION IT PROVIDES, AND YOU ACKNOWLEDGE THAT THEIISI APP AND THE IISI SERVICES ARE NOT INTENDED TO, AND SHOULD NOT BECONSIDERED TO, PROVIDE ANY LEGAL, TAX, FINANCIAL PLANNING OR ACCOUNTINGADVICE. If you require advice in such fields, you should consult the appropriate professionaladvisors. NEITHER MOGO NOR IISI MAKES ANY WARRANTY OR REPRESENTATION, ANDNEITHER PROVIDES ANY CONDITION THAT THE IISI APP OR THE IISI SERVICES WILL BEAVAILABLE AT ANY PARTICULAR TIME OR LOCATION, OR THAT ANY DEFECTS ORERRORS WILL BE CORRECTED, OR THAT THE IISI APP IS FREE OF VIRUSES OR OTHERHARMFUL ELEMENTS. You are strongly advised to obtain and use appropriate antivirus andsecurity software. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, MOGO ANDIISI HEREBY EXPRESSLY DISCLAIM AND BY USING THE IISI APP AND THE IISI SERVICESYOU WAIVE ALL CONDITIONS, REPRESENTATIONS AND WARRANTIES, WHETHERLEGAL, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOTLIMITED TO, ANY IMPLIED CONDITIONS, REPRESENTATIONS OR WARRANTIES OFMERCHANTABILITY, COMPATIBILITY, NON-INFRINGEMENT OF THIRD PARTIES’ RIGHTS,QUALITY OR FITNESS FOR PARTICULAR PURPOSE OR THE RESULTS THAT MAY BEOBTAINED FROM THE IISI APP OR THE IISI SERVICES, WHETHER ARISING FROMSTATUTE, COURSE OF DEALING, USAGE OF TRADE OR OTHERWISE. THIS SECTION 6WILL APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAWS. Youspecifically agree that neither Mogo nor IISI will be responsible for unauthorized access to oralteration of the IISI app or any of the services provided by Mogo or IISI or your transmissions ordata, any material or data sent or received or not sent or received, or any transactions enteredinto through the IISI app or relating to the Mogo or IISI services. You specifically agree that neitherMogo nor IISI is responsible or liable for any threatening, defamatory, obscene, offensive or illegalcontent or conduct of any other party or any infringement of another’s rights, including intellectualproperty rights. You specifically agree that neither Mogo nor IISI is responsible for any contentsent using or included in the IISI app or any services provided by Mogo or IISI by any third party.
We may at any time, without notice or liability, decide to alter, amend, restrict, modify, or terminatethe IISI Services or any functionality or aspect of the IISI Services, all in our sole discretion, andyou understand that there is no guarantee that the IISI services or any portion or functionalitythereof will continue to operate or be available for any particular period of time, including as aresult of the removal, addition, modification, or change of or in the availability of the IISI services,or any restriction in access thereto, or any imposition of limits on any or all features of, or links to,the IISI services.
Information, including real-time quote information, data, and all information and materials thereto(“Proprietary Information”) is provided to you to use via the IISI app. You understand, acknowledgeand agree that this Proprietary Information is provided by third-party information providers(including TSX Inc., Cboe Data Services, LLC, and Neo Exchange Inc., and each of their affiliates)(the “Third-Party Information Providers”) who have a proprietary interest in the ProprietaryInformation, that Proprietary Information is not within the public domain and is protected bycopyright (both on its own and as a compilation) and all other applicable intellectual propertyrights. In the event of any misappropriation or misuse by you or any other person who accessesthe Proprietary Information through you, Mogo and/or the Third-Party Information Providers shallhave the right to obtain injunctive relief against you. You agree to use Proprietary Information only for your individual use. You shall not furnish nor make available Proprietary Information to anyother person, nor will you retransmit Proprietary Information. You will not engage in any illegal useor permit any other person to use Proprietary Information, or any part thereof in violation of anyApplicable Rule (as defined in the Self-Directed Agreement). You shall not present ProprietaryInformation in any manner that adversely affects its accuracy or integrity or that renders itmisleading. You shall take reasonable security precautions to prevent unauthorized persons fromgaining access to or using Proprietary Information.The Proprietary Information is provided to you on an “AS-IS” basis, without warranties, express orimplied. You acknowledge and agree that neither Mogo nor any Third-Party Information Provider(including, without limitation, TSX Inc., Cboe Data Services, LLC, and Neo Exchange Inc., andeach of their affiliates) represent, warrant or guarantee the timeliness, sequence, accuracy, orcompleteness of Proprietary Information and Mogo and such Third-Party Information Providersdisclaim all express or implied warranties, including without limitation warranties or conditions ormerchantability, quality and fitness for a particular purpose and those arising by statute orotherwise in law or from the course of dealing or usage of trade. In addition to, and without limitingthe foregoing, the Third-Party Information Providers will not be liable in any way to you or to anyother person for: i. any inaccuracy, error or delay in, or omission of (A) any Proprietary Information,or other information or messages, or (B) the transmission or delivery of any ProprietaryInformation or other messages, or ii. any loss or damage from or occasioned by (A) any suchinaccuracy, error, delay or omission, or (B) non-performance, or (C) interruption in ProprietaryInformation, or other messages, due either to any negligent act or omission by a Third-PartyInformation Provider, "force majeure" or any other cause.You covenant for the benefit of each Third-Party Information Provider, that you shall not make anyclaim, pursue any action or make any demand against any Third-Party Information Provider inrespect of this Agreement or related to the Proprietary Information irrespective of the cause ofsuch claim, action or demand, including but not limited to breach of contract, tort (includingnegligence), breach of statutory duty or any other legal theory and, for greater certainty, no ThirdParty Information Provider or its affiliates or their respective directors, officers, employees,consultants, agents or other representatives will be liable including, without limitation, for any lossor damage suffered by you as a result of any act or failure to act (including willful misconduct ornegligence), the furnishing, performance, maintenance or use of the Proprietary Information, theProprietary Information’s system, equipment, communication lines, software, databases, manualsor any other material furnished by, or on behalf of, a Third-Party Information Provider, or causedby or based on any unavailability, interruption, delay, incompleteness or inaccuracy of theProprietary Information (notwithstanding that the Third-Party Information provider may have beenadvised of the possibility that damages may or will arise in a given situation) including any direct,indirect, special, incidental or consequential loss, damage, injury, cost or expense, loss of profitsor revenue, trading losses, loss of costs or savings, failure to realize expected profits, revenue orsavings or other commercial or economic loss, damage or injury, even if advised of the possibilityof same.
Upon termination of this Agreement or Mogo and/or its affiliate’s agreement with the applicableThird-Party Information Provider for whatever reason, you shall immediately cease any and alluse of the Proprietary Information and, except to the extent they are required to retain theProprietary Information under applicable laws or regulations, will destroy all ProprietaryInformation and any and all copies or extracts thereof. For certainty, you understand andacknowledge that a Third-Party Information Provider may discontinue disseminating any type ofProprietary Information, may change or eliminate any transmission method and may changetransmission speed or signal characteristics. Third-Party Information Providers shall not be liablefor any resulting liability, loss or damages to you. You shall maintain complete and accuraterecords in accordance with standard industry practice relating to the receipt and usage ofProprietary Information and such other information relating to the service provided by Mogo as Mogo may from time-to-time request.
You shall comply with the requirements of Mogo as to reporting on Proprietary Information usedor distributed as set forth in this Agreement, including reporting on individual users andapplications receiving Proprietary Information (if applicable), and the timing of reporting. You willmaintain complete and accurate records of your receipt of and access to Proprietary Informationin accordance with standard industry practices. You shall comply with Mogo’s reasonableprocedures and requirements for the verification of all Proprietary Information used by you ordistributed through your systems (if applicable). You acknowledge that a Third-Party InformationProvider, when required to do so in fulfillment of statutory obligations, may by notice to Mogo,unilaterally limit or terminate the right of any or all users to receive or use Proprietary Information,or any part thereof, and that Mogo will immediately comply with any such notice and will terminateor limit distribution or furnishing of Proprietary Information to you and confirm such compliance bynotice to the applicable Third-Party Information Provider. In the event of any material breach ofthis agreement by you, the discovery of any misrepresentation or inaccurate statement by you, orwhere directed by any regulatory authority, this Agreement may be terminated immediately. Ifthere is any conflict or inconsistency between these terms and conditions and the terms of anyother agreement that you may have with Mogo, these terms and conditions shall prevail asbetween the applicable Third-Party Information Provider and you.YOU INDEMNIFY THE THIRD-PARTY INFORMATION PROVIDERS: You shall indemnify, holdharmless and defend Mogo, each Third-Party Information Provider, and each of their members,governors, directors, managers, officers, employees and agents, from and against any and allsuits, proceedings at law or in equity, and any and all liability, loss or damage, includingreasonable legal fees, arising out of or in connection with your use of Proprietary Information, yournon-compliance with this Agreement, and any third party actions related to your receipt and useof Proprietary Information, including without limitation any third-party intellectual property rights,whether authorized or not under this Agreement.
YOU INDEMNIFY THE THIRD-PARTY INFORMATION PROVIDERS: You shall indemnify, holdharmless and defend Mogo, each Third-Party Information Provider, and each of their members,governors, directors, managers, officers, employees and agents, from and against any and allsuits, proceedings at law or in equity, and any and all liability, loss or damage, includingreasonable legal fees, arising out of or in connection with your use of Proprietary Information, yournon-compliance with this Agreement, and any third party actions related to your receipt and useof Proprietary Information, including without limitation any third-party intellectual property rights,whether authorized or not under this Agreement.
By executing this Agreement, you, (known as “Subscriber” in the Data Subscriber Agreement) agree that:
By entering into this Agreement, you confirm that you have been provided with a copy of the DataSubscriber Agreement.
Neo Exchange Inc.’s (“Neo Exchange”) aggregate liability arising from or related to data providedto data client, including its indemnification obligations below, shall not exceed an amount equal tothe average monthly amount paid on behalf of the data client to Neo Exchange by Mogo and/or its affiliates calculated over the twelve (12) months preceding the date that the first cause of actionarose, including a cause of action that is continuing.
None of Neo Exchange’s third-party information providers will be liable to you or any other personfor any loss or damage, whether direct or indirect, special, punitive, consequential or incidental,relating to inaccurate or incomplete Proprietary Information or other data or information, or anyunavailability, delay, interruption, error or omission inn the furnishing thereof, even if NeoExchange’s third-party information provider has been advised of the possibility of such damages.
Last Updated: February 3, 2026