Limited License and Use
The legal owner of this site (“Owner”) grants you a limited licence to display the contents of this site on your computer or other electronic device you use to access this site.
You may print, download and use the materials on this site solely for informational purposes or to transact with the Owner, provided that the contents of the site are not modified in any way and that all copyright and other notices are maintained.
You agree not to, directly or indirectly, attempt or actually disrupt, impair or interfere with, alter or modify this site or any of its content.
This site is for general information purposes only and is not intended to provide you with any personalized financial, insurance, legal, accounting, tax or other professional advice. You will not rely on this site as a substitute for independent research or for personal advice.
Nothing on this site constitutes an offer to buy or sell products or services of any third party. All products and services are subject to the terms and conditions of any applicable contracts and applicable laws.
The products and services described on this site are available only in jurisdictions where they may be legal and lawfully offered for sale.
The Owner may only solicit the sale of financial products and services for which the Owner has been duly licensed in the legal jurisdiction in which the sale occurs.
The use and content of this site, including the legal disclaimer, terms and conditions of use, shall be governed by the laws of the province in which the Owner resides and you agree to attorn to the jurisdiction of the courts of that province.
If you are accessing this site on behalf of another party, you confirm that you have legal authority to do so, and agree you shall be liable and will indemnify and hold harmless the Owner in the event the party you are acting on behalf of claims you did not have such legal authority, or the information you submitted was inaccurate.
No endorsement or approval of any third party or their statements, opinions, information, products, or services is expressed or implied by the contents of this site.
To the extent any third party opinions or information are included on this site, they are provided for convenience only and the Owner assumes no legal liability and does not approve or endorse such third party content, or warrant such content to be accurate, complete, reliable, verified, error free, or fit for any legal purpose.
The Owner may utilize third party service providers to provide certain tools and/or programs, some of which may be housed on a third party server or on a site which has been independently developed by others.
As such, while accessing this site you may be linked to such other third party servers. Access to other sites or use of any third party tools or programs on this site are subject to all legal disclaimers, terms and conditions found therein.
This site, in whole or in part, may periodically be unavailable to you in order to allow for maintenance or updates, or due to other causes, including causes beyond the control of the Owner.
Further, any or all of the services on this site may change at any time, with or without notice to you.
Privacy and Confidentiality
You acknowledge that the Owner collects and uses personal information for purposes of providing the services described on this site.
The Owner is committed to respecting the privacy and confidentiality of information in accordance with applicable law.
The Owner has established and will continue to maintain appropriate safeguards to protect the security and confidentiality of personal information.
However, you acknowledge and confirm that the Internet is not a secure medium where privacy and confidentiality can be guaranteed and that complete security and confidentiality of transmissions to and from this site over the Internet is not possible at this time.
Your confidential use of the site cannot be guaranteed and you acknowledge that your use of the site (including information you transmit to the site) may be subject to access or manipulation by, or disclosure to, third parties.
Without limiting any other disclaimer herein, neither the Owner nor any third party shall be responsible or liable for any damages that you or any other person may suffer in connection with any such breach of privacy, confidentiality or security.
If you are provided with a username and password to access any part of this site, you agree to be liable for all uses of your user name and password, including unauthorized use without your consent and you acknowledge that the Owner shall not be responsible to confirm the actual identity or authority of any user.
Instructions provided pursuant to such user name and password shall constitute sufficient authority to the Owner to execute any transactions directed there under.
You agree to notify the Owner immediately should the confidentiality of your user name and password be in jeopardy.
The security of e-mail communication cannot be guaranteed at this time.
Any person wishing to communicate or send information of a private or confidential nature to the Owner is encouraged to do so by other means.
This site has been developed by and is the property of the Owner.
All information and materials contained on this site are protected by copyright, trademark and/or other intellectual property laws of the United States, Canada, and other countries, and are the property of their respective owner(s).
Subject to the limited licence to use this site as described above, no person may copy, redistribute, reproduce or republish in any form, or link to this site or its contents in any manner whatsoever, including by way of hyperlinks or framing, unless that person has obtained the prior written consent of the Owner.
Any infringement of the rights of the Owner may result in appropriate legal action.
The Owner owns or has obtained the legal right to use by licence or otherwise the trademarks, logos and domain names used on or in connection with the goods and services that it provides and displays on this site.
The trademarks are protected by trademark laws. All rights reserved.
The display of trademarks on this site shall not in any way be construed as an implied licence to use such trademarks.
Any third party marks are used with permission or under legal licence.
LEGAL DISCLAIMER – GENERAL LEGAL DISCLAIMER
While information posted on this site is believed to be reliable and accurate at the time of posting, the Owner does not guarantee, represent or warrant that the information contained on this site is accurate, complete, reliable, verified, error free, or fit for any legal purpose.
Nothing on this site forms a contract, or a part of any contract, other than as it relates to the use of this site or as may be expressly provided.
In the event of a conflict between the information contained on this site and the terms contained in any products or services offered by the Owner or a third party, the terms contained in any document detailing such product or service will prevail.
Neither the Owner or any third party, make any representations or warranties, express or implied, regarding the usability or condition of this site.
That this site will operate uninterrupted or error free, or that this site will operate in combination with any services or software used in connection therewith.
That it shall be viewed consistently with all browser software or that any communication transmitted to or from this site is private, confidential or secure.
The Owner expressly disclaims all representations, warranties or conditions, express or implied, statutory or otherwise.
Including, without limitation, the warranties and conditions of merchantable quality and fitness for a particular purpose, non-infringement, compatibility, timeliness, security or accuracy.
Including any representations, warranties or conditions that may arise from a course of dealing or usage of trade.
You assume full legal responsibility for risk of loss of any nature whatsoever resulting from your legal use of this site.
Without limiting the generality of the foregoing, you acknowledge and agree that neither the Owner or any third party, shall be liable to you for loss of any of the following situations:
1. Data, computer time or any loss or damage of any nature whatsoever arising out of or attributable in any manner whatsoever to your legal use or inability to use this site for any reason whatsoever.
2. Any action or inaction on the part of the Owner or for any direct, indirect, special or consequential damages, even if the Owner has been advised of the possibility thereof.
3. Including but not limited to lost profits, lost opportunities or business revenues, loss of goodwill, or failure to realize expected savings.
This site may contains links to other sites which sites are not maintained or controlled in any way by the Owner.
Links to any such sites that are not maintained or controlled by the Owner are provided for convenience only and are not to be construed as an endorsement by the Owner or any other party of the products, services, advice or opinions or any other content of such sites.
Access to or use of sites to which links are provided are subject to the terms and conditions of such sites.
You are fully responsible for any use that you make of the content contained in such sites and you are solely responsible for the consequences of any use of or reliance on such content.
The “Owner” (“us”, “we”, or “our”) operates this website (the “Service”).
This page informs you of our policies regarding the collection, use and disclosure of Personal Information when you use our Service.
We use your Personal Information for providing and improving the Service. By using the Service, you agree to the collection and use of information in accordance with this policy.
Information Collection And Legal Use
While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information (“Personal Information”) may include, but is not limited to:
- Email address
- Telephone number
We collect information that your browser sends whenever you visit our Service (“Log Data”).
This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages and other statistics.
Cookies are files with small amount of data, which may include an anonymous unique identifier.
Cookies are sent to your browser from a web site and stored on your computer’s hard drive.
We use “cookies” to collect information.
You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent.
However, if you do not accept cookies, you may not be able to use some portions of our Service.
We may employ third party companies and individuals to facilitate our Service, to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.
These third parties have access to your Personal Information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure.
While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.
Therefore you release and hold harmless the Owner from any legal liability relating to your use of this site.
Links To Other Sites
Our Service may contain links to other sites that are not operated by us.
If you click on a third party link, you will be directed to that third party’s site.
We have no control over, and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
Our Service does not address anyone under the age of 18 (“Children”).
We do not knowingly collect personally identifiable information from children under 18.
If you are a parent or guardian and you are aware that your child has provided us with Personal Information, please contact us.
If we discover that a child under 18 has provided us with Personal Information, we will delete such information from our servers immediately.
Compliance With Laws
We will disclose your Personal Information where required to do so by law or subpoena.
Use of this website is governed by the following “terms and conditions”.
If you do not agree with these terms and conditions, do not use this site.
The Service and its original content, features and functionality are and will remain the exclusive property of the Owner and its licensors.
Links To Other Web Sites
Our Service may contain links to third-party web sites or services that are not owned or controlled by the Owner.
The Owner has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services.
You further acknowledge and agree that the Owner shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.
We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.
We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.
Your use of the Service is at your sole risk. The Service is provided on an “AS IS” and “AS AVAILABLE” basis.
The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.
If a revision is material we will try to provide at least 30 days notice prior to any new terms taking effect.
What constitutes a material change will be determined at our sole discretion.
If you do not agree to the new terms, please stop using the Service.