English
The IntelligentInvesting Self-Directed Investing web and mobile applications (the “IISI app”) are owned and operated by Mogo Finance Technology Inc. (“Mogo”). All trading and registerable activities are provided by IntelligentInvesting Securities Inc. (“IISI”), an order execution only broker registered with CIRO and subject to separate terms. The trading and investment services provided by IISI through the IISI app are referred to as the "IISI Services." By using the IISI app you agree to comply with these Terms of Use. If you don’t want to agree to these Terms of Use, then don’t use the IISI app.
Our Privacy Policy applies to the IISI app and is incorporated as a part of these Terms of Use. By accessing 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 is explicitly required by law). You will be assumed to have consented to any changes to these Terms of 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 YOUR ACCESS TO THE IISI APP AS IT SEES FIT AT ANY TIME.
The IISI app is currently available to residents of Canada.
To access the full IISI app functionality including opening a self-directed investment account, you must first open a MogoAccount. Your MogoAcount will allow you to login and access the IISI app as 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 limited IISI 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 network access and may require software. You agree that you are solely responsible for these requirements, including any applicable changes, updates and fees as well as the terms of your agreement with your mobile device and telecommunications provider. MOGO MAKES NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, EXPRESS, STATUTORY OR IMPLIED AS 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 TELECOMMUNICATION SERVICES; AND (C) ANY DISCLOSURE OF INFORMATION TO THIRD PARTIES OR FAILURE TO TRANSMIT ANY DATA, COMMUNICATIONS OR SETTINGS CONNECTED WITH THE IISI APP.
The IISI app is available through your personal device. You are responsible for the security of any device 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 IISI app 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 IISI app will be sufficient or appropriate for every individual or situation, will be current, uninterrupted or error free.
THE IISI APP, THE IISI APP CONTENT, THE IISI SERVICES, OR ANY OTHER SERVICES PROVIDED BY MOGO OR ITS AFFILIATES ARE PROVIDED ON AN “AS IS, AS AVAILABLE” BASIS, AND YOU USE THE IISI APP AND THE IISI SERVICES AT YOUR OWN RISK. THE IISI APP CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. THE INFORMATION PROVIDED MAY NOT BE ACCURATE OR CURRENT, MAY NOT APPLY TO YOUR PARTICULAR SITUATION, OR MAY NOT BE SUITABLE OR APPROPRIATE FOR YOU. WE STRONGLY URGE YOU TO CONSULT A PROFESSIONAL OR SOME OTHER AUTHORITY IN THE APPROPRIATE FIELD BEFORE USING ANY OF THE INFORMATION IT PROVIDES, AND YOU ACKNOWLEDGE THAT THE IISI APP AND THE IISI SERVICES ARE NOT INTENDED TO, AND SHOULD NOT BE CONSIDERED TO, PROVIDE ANY LEGAL, TAX, FINANCIAL PLANNING OR ACCOUNTING ADVICE. If you require advice in such fields, you should consult the appropriate professional advisors. NEITHER MOGO NOR IISI MAKES ANY WARRANTY OR REPRESENTATION, AND NEITHER PROVIDES ANY CONDITION THAT THE IISI APP OR THE IISI SERVICES WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, OR THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED, OR THAT THE IISI APP IS FREE OF VIRUSES OR OTHER HARMFUL ELEMENTS. You are strongly advised to obtain and use appropriate antivirus and security software. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, MOGO AND IISI HEREBY EXPRESSLY DISCLAIM AND BY USING THE IISI APP AND THE IISI SERVICES YOU WAIVE ALL CONDITIONS, REPRESENTATIONS AND WARRANTIES, WHETHER LEGAL, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED CONDITIONS, REPRESENTATIONS OR WARRANTIES OF MERCHANTABILITY, COMPATIBILITY, NON-INFRINGEMENT OF THIRD PARTIES’ RIGHTS, QUALITY OR FITNESS FOR PARTICULAR PURPOSE OR THE RESULTS THAT MAY BE OBTAINED FROM THE IISI APP OR THE IISI SERVICES, WHETHER ARISING FROM STATUTE, COURSE OF DEALING, USAGE OF TRADE OR OTHERWISE. THIS SECTION 6 WILL APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAWS.
You specifically agree that neither Mogo nor IISI will be responsible for unauthorized access to or alteration of the IISI app or any of the services provided by Mogo or IISI or your transmissions or data, any material or data sent or received or not sent or received, or any transactions entered into through the IISI app or relating to the Mogo or IISI services. You specifically agree that neither Mogo nor IISI is responsible or liable for any threatening, defamatory, obscene, offensive or illegal content or conduct of any other party or any infringement of another’s rights, including intellectual property rights. You specifically agree that neither Mogo nor IISI is responsible for any content sent 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 terminate the IISI Services or any functionality or aspect of the IISI Services, all in our sole discretion, and you understand that there is no guarantee that the IISI services or any portion or functionality thereof will continue to operate or be available for any particular period of time, including as a result 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, acknowledge and 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 Proprietary Information, that Proprietary Information is not within the public domain and is protected by copyright (both on its own and as a compilation) and all other applicable intellectual property rights. In the event of any misappropriation or misuse by you or any other person who accesses the Proprietary Information through you, Mogo and/or the Third-Party Information Providers shall have 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 any other person, nor will you retransmit Proprietary Information. You will not engage in any illegal use or permit any other person to use Proprietary Information, or any part thereof in violation of any Applicable Rule (as defined in the Self-Directed Agreement). You shall not present Proprietary Information in any manner that adversely affects its accuracy or integrity or that renders it misleading. You shall take reasonable security precautions to prevent unauthorized persons from gaining access to or using Proprietary Information.
The Proprietary Information is provided to you on an “AS-IS” basis, without warranties, express or implied. 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., and each of their affiliates) represent, warrant or guarantee the timeliness, sequence, accuracy, or completeness of Proprietary Information and Mogo and such Third-Party Information Providers disclaim all express or implied warranties, including without limitation warranties or conditions or merchantability, quality and fitness for a particular purpose and those arising by statute or otherwise in law or from the course of dealing or usage of trade. In addition to, and without limiting the foregoing, the Third-Party Information Providers will not be liable in any way to you or to any other 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 Proprietary Information or other messages, or ii. any loss or damage from or occasioned by (A) any such inaccuracy, error, delay or omission, or (B) non-performance, or (C) interruption in Proprietary Information, or other messages, due either to any negligent act or omission by a Third-Party Information Provider, "force majeure" or any other cause.
You covenant for the benefit of each Third-Party Information Provider, that you shall not make any claim, pursue any action or make any demand against any Third-Party Information Provider in respect of this Agreement or related to the Proprietary Information irrespective of the cause of such claim, action or demand, including but not limited to breach of contract, tort (including negligence), breach of statutory duty or any other legal theory and, for greater certainty, no Third Party Information Provider or its affiliates or their respective directors, officers, employees, consultants, agents or other representatives will be liable including, without limitation, for any loss or damage suffered by you as a result of any act or failure to act (including willful misconduct or negligence), the furnishing, performance, maintenance or use of the Proprietary Information, the Proprietary Information’s system, equipment, communication lines, software, databases, manuals or any other material furnished by, or on behalf of, a Third-Party Information Provider, or caused by or based on any unavailability, interruption, delay, incompleteness or inaccuracy of the Proprietary Information (notwithstanding that the Third-Party Information provider may have been advised 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 profits or revenue, trading losses, loss of costs or savings, failure to realize expected profits, revenue or savings or other commercial or economic loss, damage or injury, even if advised of the possibility of same.
Upon termination of this Agreement or Mogo and/or its affiliate’s agreement with the applicable Third-Party Information Provider for whatever reason, you shall immediately cease any and all use of the Proprietary Information and, except to the extent they are required to retain the Proprietary Information under applicable laws or regulations, will destroy all Proprietary Information and any and all copies or extracts thereof. For certainty, you understand and acknowledge that a Third-Party Information Provider may discontinue disseminating any type of Proprietary Information, may change or eliminate any transmission method and may change transmission speed or signal characteristics. Third-Party Information Providers shall not be liable for any resulting liability, loss or damages to you. You shall maintain complete and accurate records in accordance with standard industry practice relating to the receipt and usage of Proprietary 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 used or distributed as set forth in this Agreement, including reporting on individual users and applications receiving Proprietary Information (if applicable), and the timing of reporting. You will maintain complete and accurate records of your receipt of and access to Proprietary Information in accordance with standard industry practices. You shall comply with Mogo’s reasonable procedures and requirements for the verification of all Proprietary Information used by you or distributed through your systems (if applicable). You acknowledge that a Third-Party Information Provider, 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 terminate or limit distribution or furnishing of Proprietary Information to you and confirm such compliance by notice to the applicable Third-Party Information Provider. In the event of any material breach of this agreement by you, the discovery of any misrepresentation or inaccurate statement by you, or where directed by any regulatory authority, this Agreement may be terminated immediately. If there is any conflict or inconsistency between these terms and conditions and the terms of any other agreement that you may have with Mogo, these terms and conditions shall prevail as between the applicable Third-Party Information Provider and you.
YOU INDEMNIFY THE THIRD-PARTY INFORMATION PROVIDERS: You shall indemnify, hold harmless 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 all suits, proceedings at law or in equity, and any and all liability, loss or damage, including reasonable legal fees, arising out of or in connection with your use of Proprietary Information, your non-compliance with this Agreement, and any third party actions related to your receipt and use of 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 Data Subscriber Agreement.
Neo Exchange Inc.’s (“Neo Exchange”) aggregate liability arising from or related to data provided to data client, including its indemnification obligations below, shall not exceed an amount equal to the 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 action arose, 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 person for 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 any unavailability, delay, interruption, error or omission inn the furnishing thereof, even if Neo Exchange’s third-party information provider has been advised of the possibility of such damages.
Last Updated: February 3, 2026
