Canadian Financial Publishing Group is also referred to as CFPG. All elements
of this disclaimer should be read and agreed to by all users before
use continues.
Copyright and Trademark Information
Trademarks
of Canadian Financial Publishing Group (CFPG) used herein are
not to be copied. Any use of these trademarks beyond this Internet
site is strictly forbidden and any such violation of trademark will
be prosecuted to the full extent of the law.
Certain
names, words, titles, phrases, logos, icons, graphics, photographs
or designs in the pages of this website may constitute trade names,
registered or unregistered trademarks or service marks ("trademarks")
of Canadian Financial Publishing Group (CFPG) or of third parties
and are used under ownership, license or contract by Canadian Financial Publishing Group (CFPG).
All
information in this website is protected under the copyright laws
of Canada and/or other countries. Users of this website or online
content attending this website may not copy, republish, reproduce
or redistribute in any form, or link to any information found in the
pages of this website in any manner, including electronic reproduction
by "uploading" or "downloading", without the prior
written consent of Canadian Financial Publishing Group (CFPG).
Any unauthorized downloading, re-transmission, or copying or modification
of trademarks or other contents of this website is a violation of
law which could subject the violator to legal action.
Authorship
Unless
otherwise indicated, all articles in this website are written and
managed by Canadian Financial Publishing Group (CFPG) as a service
for the Financial corporation or representative or advisor who pays
for, and subscribes to this service in order to help educate their
clientele and in no way implies that they authored the articles, unless
otherwise indicated. The articles are intended only for online reading
and single-use printing or client-only email.
Copyright Information
All
articles published on this website are a copyright of Canadian Financial Publishing Group (CFPG); and are for viewing onscreen on the
Internet only and are not for multiple reprint. Any use of these articles
for reproduction and/or for mass hardcopy mailing other than the online
newsletter on this site is strictly prohibited and will be prosecuted
to the full extent of the law. The online newsletter can be sent indirectly
by emailing your client email list using the blind copy (Bcc) facility
in your email browser; and may be sent only to the representative’s
own client list of emails, and is not to be spammed to emails of unknown
parties which could cause a federal legislative, or financial service-related,
or CFPG copyright liability.
All
articles in the CFPG Internet libraries and elsewhere on the
website are intended for viewing on-screen via the Internet or for
single-output printing only. Reproduction for the purpose of publishing,
or multi-document hardcopy mailing, or for a newspaper, is strictly
forbidden unless after a written authorization is requested of, and
further given by CFPG (and a fee may apply if an authorization
is given). These articles are not to be saved on any backup memory
vehicle, transferred to any other hard-drive or clipped for publication
in any other format.
All
of the information and all of the graphic elements contained in all
articles or web pages linked to this site may not be republished,
broadcast, clipped or duplicated in any way for the purpose of multiple
mailings, rewritten, linked to any other website or portal website,
or reused or redistributed in any way, or copied for a new use at
a different ISP or service other than offered by CFPG without
permission obtained from Canadian Financial Publishing Group (CFPG). Any such use or violation of copyright will be prosecuted
to the full extent of the law.
There
must not be any article by virtue of a language translated from any
of CFPG's English articles for any use without written permission.
All
resellers selling CFPG information must follow the Online Reseller
Legal Information in order to comply with CFPG copyright.
Digital PDF Newsletter Copyright
All
digital PDF e-Newsletters and articles are a copyright of Canadian Financial Publishing Group (CFPG) and are for viewing onscreen
by any party and may be printed once per PDF document opening by each
viewing party. Any use of these PDF files or articles for reproduction
and/or for mass hard copy mailing is strictly prohibited and will
be prosecuted to the full extent of the law. Alternate e-Newsletter
services are available from CFPG by calling 1.888.YES.CFPG (937.2374)
or by emailing admin@cfpg.com
Use Of Calculators
The
calculators on this website are intended for hypothetical use only
and are not to be construed as a basis for developing a Financial
plan or purchasing an investment. CFPG and any owner of a website,
or one who contracts or leases any website to which these calculators
are served, are not responsible for any error or omission or erroneous
application in any Financial planning decision or investment purchase.
Copyright of Calculators
All
calculators, even though some may be additionally provided by a third
party for complimentary CFPG use, are assigned for use only on
a Paid For Basis with other CFPG online services, and are not
to be linked for free use from any other website unless you are established
as a payor for these services with CFPG, the provider. Any violation
will be prosecuted to the full extent of the law.
Agreement of Legal Terms Of Use
This
Is A Contracted "PAID FOR" Service
If
you access and use this Internet website or any URL linking to our
Financial articles or content or online libraries, you accept and
agree to be bound by and comply with the terms set forth herein. All
payments shall be in reference to pricing set forth as stated on your
invoices unless otherwise invoiced or otherwise agreed to in writing
with CFPG. All terms of use set forth herein apply to all parties
including: representatives or owners of mutual fund dealerships or
owners of managing general agents (MGAs) unless alternative pricing
has been contracted. If you do not accept the terms and conditions
of this Agreement of Legal Terms of Use, do not begin to use or access
any of the links or URLs of these Internet services. All parties entering
any website with this legal notice attending, are strongly advised
to read all Copyright Information and notices herein. If you do not
read it, you will remain liable for any copyright infringement. This
agreement is a contract if you use CFPG services and is periodically
updated to cover CFPG’s potential liabilities and if updated
will apply to all clients and prospects and anyone else who reads
the text herein.
Regarding Payment for Access to Services
If
you are a Financial representative or advisor or consultant or mutual
fund sales person or any other party agreeing to pay for and access
CFPG's copyright data content for a website and have not yet
paid for the subscription of the service you will access, do not use
or access any of the links or URLs of these Internet services. Payment
for these Internet services rendered must be made within at least
15 days of the receipt of an invoice or you may be in defiance of
the legal agreement of use set forth herein, including but not limited
to copyright infringement, and your service may be halted until such
payment or any other payment for an outstanding CFPG invoice
is made and such payments shall remain due. Payments are normally
invoiced for pre-payment in cycles of up to one year in advance of
service or on quarterly basis, or on a preauthorized monthly basis
that can be requested. Whatever cycle is prepaid shall continue the
service for the term paid as indicated on the invoice, and cannot
be cancelled before the term prepaid, but may be redeemed for another
of CFPG’s services if a request for such redemption is
made to admin@cfpg.com
Arrears & Unpaid Invoices & Rate Changes
All
unpaid invoices remaining in arrears after 90 days may be forwarded
to a collection agency. Canadian Financial Publishing Group (CFPG)
reserves the right to add or increase fees or alter the terms of agreement
at any time after one year of service has been rendered, or when an
unpaid account persists for more than 90 days or when any free service
or lowered rate has been promised and the client surprises us with
a cancellation thereafter, or to reflect increased costs of Internet
business or an amortization of costs reflected in CFPG’s
low rates that is not accounted as profitable due to any manipulation
of any agreement of terms.
Use Of Website Services
Canadian Financial Publishing Group (CFPG) is not responsible for any
reason for direct, indirect, special or consequential damages or liabilities,
however caused at any time, arising out of your use of any CFPG
Internet service and/or any web browser, or online form transmission
of data or email service offered by CFPG, or where a non-CFPG server or name server or service is interrupted or causes website
down-time for any reason including where a domain is not registered
or is registered with a CFPG registrar, or for any damages you
may suffer if you transmit confidential or sensitive information to
us, or if we communicate such information to you at your request over
the Internet, or where any service is interrupted for any length of
time, or where poor communication between any party persists. Links
to other websites from CFPG Internet websites or URLs are for
convenience only. No endorsement of any third party products, services
or information is expressed or implied by any information, material
or content referred to or included on, or linked from or to this website.
CFPG is not responsible for any liability caused by any link
to any website of non-CFPG origin.
Hosting Your Website
Canadian Financial Publishing Group (CFPG) websites cannot be transferred
to another ISP for hosting purposes unless agreed in writing and the
files are obtained from CFPG Group and paid for (or where you build
a new site and obtain CFPG’s data links), as the construction
and configurations are designed to link to Canadian Financial Publishing Group (CFPG) copyright data. However, another ISP can point your
domain name to your website's location at Canadian Financial Publishing Group (CFPG) where that ISP manages and charges for your domain's
registration fees, but services offered by Canadian Financial Publishing Group (CFPG) do the actual hosting in all cases regarding the
location of the Internet website which also accesses CFPG’s
Internet copyright data. Canadian Financial Publishing Group (CFPG) is competitive regarding registration and renewal fees of domains
and suggests that you compare pricing, or request a price review before
choosing any non-Canadian Financial Publishing Group (CFPG) registrar
or ISP, or email service, which ultimately may serve no purpose to
enhance your website service; and may actually hamper the functionality
of your services. Due to the technical nature of the service, Canadian Financial Publishing Group (CFPG) is not responsible for any
down-time experienced when a website service is not functional for
any reason or for any length of time. CFPG hosting is also competitive
when compared to other hosting services hosting a large business website
structure such as your website (your site can be as large as 300 meg
when including the sources of CFPG data links).
Your Files Built by CFPG Only to be Linked to CFPG Sites
Files
built by CFPG for your website hosted on CFPG hard drives
cannot be copied and reused elsewhere with another ISP or domain host
service. The reason is this: CFPG builds websites at a bare minimum
fee, and amortizes that build forward, respective to the income CFPG will receive from the sale of their data. Thus, CFPG would
take a loss, if another ISP offered to host files built by CFPG,
after a website is built with the intent of not using our data services
into the future. Where the data services will not be used and paid
for, CFPG views this as a conflict of interest, to release files
built specific to any website personalization.
To
acquire these files by any means such as copies and to re-link them
to any future site not managed by CFPG will be classified as
a violation and possible theft of CFPG’s files. You will
need to work from your original files such as your initial content,
or Word documents.
Where
CFPG has refurbished any website, the above still holds true;
a client that is canceling for any reason, where the intention is
to not use CFPG data, must in this case refer back to their own
original un-posted data. All links to CFPG sites are the property
of CFPG as far as use goes; as is all work or design on CFPG
sites on behalf of clients, despite cancellation or the subsequent
destruction of those files.
Websites built by CFPG on CFPG’s Internet hosting platform are leased and not owned by the client, unless a buy and own option has been arranged and agreed upon by CFPG and any said website, or graphic design, or pictures manifesting on said websites are not to be copied in whole or in part for any other subsequent use by any party. Websites are not to be confused with domains, which CFPG will release according to the agreement herein where there are no pending payments due.
To
advise any Canadian Financial Publishing Group (CFPG) client
or prospect that it is possible to copy and reuse files any where
else, may open an ISP or web technician (IT) to litigation for setting
forth erroneous information about a Canadian Financial Publishing Group (CFPG) policy or about the potential of moving a Canadian Financial Publishing Group (CFPG) site, when that is in actuality
impossible according to our disclaimer herein.
Changes and Edits to Your Website
Only
Canadian Financial Publishing Group (CFPG) is allowed to make
any alteration to your website, regarding uploading of any change,
edit or update; or with regard to changing formats or path-mapping
on uploads which may increase the billable work-load of CFPG.
Any other ISP or web technician (IT) is not allowed to access or upload
to your website or alter formats; or reconfigure the way CFPG
unifies information at any time as Canadian Financial Publishing Group (CFPG) websites are located on hard-drives where highly confidential
and copyright information resides. To advise any Canadian Financial Publishing Group (CFPG) client or prospect that this is possible,
or attempt to alter the way CFPG does business may open that
ISP or web technician (IT) to litigation for setting forth contrary
or erroneous information about a Canadian Financial Publishing Group (CFPG) policy or about the potential of moving a Canadian Financial Publishing Group (CFPG) site, when that is in actuality not our
agreed policy. Any question about this please email editor@cfpg.com
Only
periodic updates sent to CFPG ahead of time; not on the fly or
immediately governed live by an IT person or another individual unless
infrequent communication will suffice; once the edits or updates are
culled where there are more than one, they shall be accomplished 1-2
times per week unless holidays are imminent, and then proofing of
such changes can be accomplished by any party requesting such changes.
Email Services
Due
to the technical nature of the service, Canadian Financial Publishing Group (CFPG) is not responsible for any problem or loss of data
transmission or business income, or any business or personal liability
that could be caused when transferring email messages with or without
file attachments, or losses or liabilities in relation to any associated
email service that you may use in your business, or any down-time
experienced when the email service is not functional for any reason
or for any length of time, or where unwanted email or viruses are
received by anyone.
Website Design
Canadian Financial Publishing Group (CFPG) is not responsible for the
functionality or continuity of certain elements installed that have
been designed by non-Canadian Financial Publishing Group (CFPG)
designers or webmasters. In all cases Canadian Financial Publishing Group (CFPG) should be consulted by any designer or webmaster
who would create any element to be implanted into a website built
and maintained by Canadian Financial Publishing Group (CFPG).
Where non-Canadian Financial Publishing Group (CFPG) design or
html work or any other work is requested to be installed, there will
be fees associated with configuration and the time to do such installation
and uploading. Such work where other parties are preparing design
or html pages, may increase the time beyond CFPG’s normal
design and installation procedures and concomitantly, CFPG’s
docket time.
Where
update design fees are not paid, it shall be viewed that your account
is in arrears, and your site may be shut down.
There is No Liability to CFPG for Website or Content Use
Canadian Financial Publishing Group (CFPG) does not sell any products
or content or services other than documented information provided
by CFPG and set forth on www.cfpg.com. CFPG is not responsible
for any use of this website by anyone in or outside of the Financial
industry who may or may not sell Financial products or advise regarding
Financial planning or tax planning beyond their licensed or certified
authority in any jurisdiction. Where any erroneous application of
any information on any website built by CFPG occurs, or by use
of CFPG’s data content, online libraries or articles, it
shall not be deemed the responsibility of CFPG.
Anyone
who views this website is strongly advised not to ever rely on information
on these websites as infallible or as accurate Financial information
or as Financial advice even if the term " Financial Advice"
or "Advice on Money" or "Advice" or "Advisory"
or "Financial Planning" or "Financial Plan" or
"Planning" or "Financial Advisor" or "Advisor"
or any other term that could signify Financial planning advice or
any other type of advice, is used. The information on this website
does not constitute an offer or solicitation by anyone in any jurisdiction
in Canada for any product or service in which an offer or solicitation
cannot legally be made, or to any person to whom it is unlawful to
make a solicitation.
References to Goods and Services or Trademarks
References
in this website to any party’s goods or services or trademarks
or trade names or brand names should not be regarded as an endorsement
of these goods or services.
Regarding Interpretation of Services
No
interpretation, assessment or judgment or bias by any party regarding
the services offered by CFPG shall reflect upon money owing to
CFPG. CFPG is not responsible for any representative’s,
mutual fund dealership's, mutual fund company's, life insurance company's,
or any other party's interpretation regarding specific compliance
or content issues or updating issues or where any other corporation's
or individual's or your own judgment or bias of the site is concerned,
or if for any reason a mutual fund dealership or any other party requests
your website to be reworked or access to your Internet site or data
link be shut down for any period of time, and any payments due to
CFPG shall remain due even where a provincial or a national legislative
body changes legislation, or where an assessment by any such legislative
body shall necessitate a request to CFPG to change certain elements
of any website structure or shall effect the use of any of CFPG's
websites by the contractee (even though CFPG seeks to comply
within a reasonable period of time). CFPG seeks to meet all MFDA
standards and to keep articles updated and will communicate with any
compliance officer with good intentions and will acknowledge suggestions
for improvement. CFPG will remain open to addition or removal
or updating or editing of certain portions of text upon request. CFPG is not responsible for corrections or changes or additions or
updates or editing requested by compliance officers or the representative
if they are not proofed by the contractee or concerned parties and
if there are not further directives issued to CFPG for correction.
Regarding Co-op Funding For Websites
Though
CFPG offers Internet data more specific to the mutual fund industry,
it does not take responsibility for any interpretation by any party
that deems to pay or not pay for some portion of funding for these
Internet websites. Payment by any party subscribing to CFPG's
Internet services shall remain due irrespective of said interpretation.
It is suggested that you do not co-op the website services, but we
will seek to keep the services compliant.
Internet Website Interruptions
Where
there is a technical difficulty or interruption of any CFPG service
for any period of time, CFPG will seek to rectify the problem,
yet such interruption shall not nullify this contract or any payment
for any CFPG service due. Where a website or email service is
noted as being non-functional for a significant period of time we
ask that you first check your website’s connectivity through
your Internet High Speed telephone or Cable service, or dial up line
service, whichever is applicable (these are other non-CFPG services
that can directly effect functionality). We want to note that CFPG-specific non-functionality is very rare.
Access to CFPG Data URLs
By
virtue of initial use or down payment, all parties contracting, leasing,
or invoiced to use CFPG data for their own website agree to all
statements regarding copyright use in this Legal Agreement and shall
be liable for payments of invoices issued upon receipt. Upon use of
this Internet service, the purchaser automatically agrees not to share
any URL or hyperlink with any Financial associate for their own use,
and agrees to all the statements set forth herein.
Proofing A Change
When
any change to a website is requested by any party with reference to
your website, it is the responsibility of the client or contractee
to examine and reexamine the requested change on the website until
satisfied and CFPG should be notified until such change is satisfactory.
Where any change has been submitted, CFPG will not necessarily
update the website immediately, but may wait one to three days unless
otherwise noted.
Compliance
Canadian Financial Publishing Group (CFPG) is not responsible for compliance
for the purpose of co-op advertising on any website though we seek
to comply with all MFDA rules.
Canadian Financial Publishing Group (CFPG) wants to point out that it
is illegal and against Ontario Securities Commission regulations if
a Financial representative (the purchaser of these website services)
implies authorship of any article published herein. CFPG seeks
to operate within compliance rules but is not responsible for non-compliance
relating to interpretations of the MFDA rules, or a mutual fund dealership’s
rules, even though we seek where possible, to comply at all times.
It is the Financial representative's (the user of these website services)
responsibility to inform CFPG of any change, addition, or deletion
required by his or her compliance department or officer, and where
any party has a concern regarding compliance, CFPG shall not
be held responsible in any way.
Contractee Responsible for Website Promotion - Not CFPG
Initiating
an agreement to pay for and access services rendered by Canadian Financial Publishing Group (CFPG) does not imply that Canadian Financial Publishing Group (CFPG) is responsible for or guarantees that
anyone browsing the Internet will visit your site through any search
engine or by entering your URL in their browser. All promotion and
advertising of anyone or any company using access to a website designed
by, or services rendered by, Canadian Financial Publishing Group (CFPG) is the responsibility of the contractee or client. The user's
promotion of their site location is their own responsibility and will
not set forth any argument for discounting or annulment of payments
due, past, present, or future.
Contract Period & Cancellation Policy
The
minimum period of initial Internet access to CFPG’s copyright
data shall at least be automatically contracted for two years with
or without a formal signed contract or for two or more years by formal
contract, from the first date of any access to CFPG’s copyright
Internet data or website built by CFPG, or to any service as
indicated on an invoice, and will automatically renew for at least
two years, following the initial period, or upon the revision of any
website, even when such revision is paid for at a special price, for
another two years irrespective of payment periods or invoicing cycles
that are of a shorter duration.
After
the initial contract period, to terminate a website or any copyright
access to CFPG Internet data, a registered letter must be received
90 days in advance of the time of such termination. Where an invoice
has been paid in full or in part for a new term, monies are not refundable
upon the conclusion of a 90 day cancellation period after the receipt
of a registered letter; however CFPG shall consider transferring
monies to an alternate service. In all cases all outstanding fees
not yet paid, relating to website hosting, copyright data access,
revision or changes, edits, and domain registrations shall be due,
including up to the date of requested termination, even where the
Internet service has been shut off as per a directive from the client,
or for non-payment. Where a dispute arises, CFPG shall determine
the actual initial anniversary date, as the first day of the first
copyright Internet access period as stated on CFPG invoice records,
and/or the date of any website revision upon which a new automatic
contract period begins, even where such revision was done without
charge, and the remaining amount shall be due. To seek to circumvent
payment of any invoice, or remaining fees due at termination for any
reason, not in accord with this agreement, will be deemed an infringement
of copyright and prosecuted by law. Termination letters will not be
deemed legal if given verbally over the phone or by facsimile or by
email, without utilizing a distinct registered mail or courier service
that offers a registered receipt as proof of receipt. Nor will past
due invoices or monies owed be overlooked where data links are removed
from websites for the purpose of evading payment; and it should be
seriously noted, that without receipt of a registered letter of cancellation
as proof of cancellation, a client will have no legal recourse if
payment is overlooked for any reason.
Where any initial website build, or special update, or design work, or website refurbishing or website design switch has occurred to a different designed website from the original website, and a two year period has not evolved from the date of said work, CFPG reserves the right to charge fees commensurate with any of these said services as noted above, plus the inclusion of retroactive normal monthly fees from the date of said work for an initial website build or date of update, plus any associated administration transfer fee, prior to a release of any domain under CFPG’s payee jurisdiction.
CFPG’s accounting shall suffice as final accounting, and any withholding of payment due shall be deemed an infringement of CFPG’s copyright from the date CFPG’s data was historically accessed.
Continuance of Service after Contract
Even
where the initial period of copyright Internet access has renewed,
or continued past the initial contract period in order to retain pricing,
or service, or due to non-cancellation, fees will be deemed due, until
either a new contract is formalized or a cancellation is requested
and completed as per the above stated method using a registered letter
by mail or courier.
Prepayment
Full
payment shall be due upon receipt of each invoice on a prepayment
basis even where any payment has not been made prior to accessing
the copyright Internet access data. Service may be interrupted until
such payment is made. All initial setup and ongoing service fees are
to be paid as due when invoiced. Paid invoices for any Internet service
are nonrefundable for any reason.
Initial Contract Activation
The
above legal information and terms of agreement in relation to all
the above is confirmed, agreed upon, and actualized by an order or
request for services via email or letter, or applied payment to initiate
Internet website building or to initiate access to any other Internet
service offered by Canadian Financial Publishing Group . Upon activation,
all setup fees and monthly access fees for two years or more if a
contract is extended, and for subsequent renewal periods, shall be
due. This entire legal agreement of terms of use is openly and wholly
accessible via direct links on your website and is incontestable.
Interruption of Service for Non-Payment
When
service is interrupted for non-payment, an additional fee of $500
and an application of the current rates will apply upon reinstatement
of services once the historic invoices are paid up to date. If for
any reason the contractee or user or client deems to terminate an
Internet service in relation to non-payment of a CFPG invoice
an additional fee of $500 shall apply to remove the website from service
at the discretion of CFPG. When services are halted or removed
for continued non-payment, where any CFPG invoice is left unpaid,
all rates shall be deemed to revert to the current rate and all invoices
may be submitted to a collection agency. CFPG accounting will
be the only record of reference to finalize any unpaid account.
Restrictions to URL Use
The
Internet copyright content URLs can be set up on an individual website
or corporate website insofar as no page served from the servers of
Canadian Financial Publishing Group (CFPG ) is rearranged or
copied. All URLs must be accessed from websites or servers owned or
leased by Canadian Financial Publishing Group . No other server is
allowed to serve the content offered by Canadian Financial Publishing Group (CFPG).
Website Readiness
Canadian Financial Publishing Group (CFPG) will not be responsible for
premature advertisements or promotion by any user or client to anyone,
by any method presenting their website as ready to view, until all
configurations are proven to be working to the client's total satisfaction
as it often takes more time than anticipated to configure a website
for multiple reasons.
Financial Content Data URLs
Where
CFPG’s content is linked to a website by a paying client,
such urls should be checked to see if more urls have been added, or
is some have been changed or discontinued, and such management is
the responsibility of the user.
General Disclaimer
All
online statements and statistics set forth on any online page as offered
by Canadian Financial Publishing Group (CFPG) are intended for
educational purposes only and are believed to be true and dependable,
however accuracy of content is not guaranteed, nor will CFPG
or Financial Advisor or a company associated with the Financial Advisor
or any party contracting the services of CFPG assume liability
for Financial applications or a securities trade or investment decision
or life insurance purchase based on any article, graph or statistic
on this website, even where an error or omission occurs. The reader
is advised to seek additional professional advice and to evaluate
strategies applicable to each individual's objectives.
Investors
and the general consumer referencing this website should inform themselves
regarding securities, taxation or exchange control legislation which
may affect them personally. This website is for general information
only and is not intended to provide specific personalized advice regarding
and including, without limitation, securities trading, mutual funds,
segregated funds, investments, investing, Financial matters, legal
matters, life insurance, estate planning, disability insurance, medical
or psychological well-being, general insurance, travel planning or
travel insurance, health concerns or problems, accounting or tax advice,
or any other service deemed advice, consultation, or recommendation.
Please consult an appropriate professional regarding your particular
circumstances.
Information
provided by Canadian Financial Publishing Group (CFPG) and other
sources on this website is believed to be accurate and reliable when
placed on this site, but we cannot guarantee it is accurate or complete
or current at all times. Information on this site is for information
purposes only and is not intended to provide Financial, legal, accounting
or tax advice and should not be relied upon with regard to any decision
affecting Financial planning or the purchase of a security, mutual
fund, or life insurance.
We
endeavor to keep legislative related information at this site current.
However legislative related information is subject to change at any
time without notice to users and the posted information at any Internet
website serviced by Canadian Financial Publishing Group (CFPG)
may not immediately reflect such changes. Information in this website
is subject to change without notice and CFPG and the owner of
this website is not liable for any inaccuracies in the information
presented.
Legal Terms of Use Notice
The
content in this website does not constitute an offer or solicitation.
References in this Internet website to third party goods or services
should not be regarded as an endorsement of these goods or services.
This website is intended for Canadian residents only and the information
contained herein is subject to change without notice. The owner and
publisher of this internet-based website are not liable for any inaccuracies
in the information provided.
Trademarks
and registered trademarks in association with Canadian Financial Publishing Group are owned by CFPG. Reproduction by any means without written
permission of the publisher is strictly forbidden. The publisher will
consider authorization of reprints used only by their current clients
who inform Canadian Financial Publishing Group (CFPG) prior to use
and have received written authorization prior to such use. Contact
the publisher at admin@cfpg.com
Canadian Financial Publishing Group (CFPG) does not sell financial products.
General Mutual Fund Disclaimer
Only
registered representatives of a Mutual Fund Dealer offer mutual funds;
and segregated funds are also offered by life insurance representatives.
Before
investing in any mutual fund, it is important to read the specific
fund’s simplified prospectus. Commissions, trailing commissions,
management fees, tax payable, and expenses may be associated with
mutual fund investments. Mutual funds are not guaranteed. Their values
change frequently and past performance may not be repeated. Any indicated
mathematical return, including those set forth on graphs or tables
in this online publication, is used only to illustrate the potential
effects of the compound growth rate and is not intended to reflect
future values of returns on any specific investment or any other financial
product. It is strongly recommended that you seek professional advice
to inform yourself regarding mutual funds or any other financial product
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