TERMS AND CONDITIONS OF USE

Last updated: July 18, 2017

General
Each of T.E. Wealth and T.E. Investment Counsel (‘TEIC’) is a trademark and business name of iA Investment Counsel Inc.

By accessing or using the Website, you agree to accept the terms and conditions of use. The terms and conditions of use may be changed from time to time by TEIC without notice.

Restrictions on Use
You shall not reproduce, publish, upload, post, transmit, adapt, modify or otherwise display, distribute or exploit in any way the Website or any part thereof including, but not limited to the text, images, videos, photographs, audio files, graphics, data, quizzes or calculators found on the Website (collectively referred to as “Content”), except in the normal course of your personal, non-commercial use of the Website.

No Advice
The information on the Website has been prepared by TEIC and affiliates to provide a general understanding of investment planning principles. This information does not constitute advice, as each person’s financial situation is different. You should consult your financial and/or tax advisor for information regarding your personal financial or retirement planning.

Disclaimer of Warranties and Liability
The Website and the Content is provided on an “as is, where is” basis, and TEIC does not make any express or implied warranties, representations, or endorsements with respect to the Website or the Content, including without limitation warranties as to merchantability, reliability and fitness for a particular purpose.

The Content, including but not limited to information regarding government regulations, policies, programs and plan documents, is believed to be reliable when posted, but there is no guarantee that it is accurate, complete or current at all times. TEIC is not obligated, and does not undertake, to update the Content in a timely manner or at all. The Content may be changed or withdrawn at any time without notice.

Although historical data, such as rates of return, may be included in the Content, past performance is not a guarantee or predictor of future results. Figures and illustrations used in the Content are not necessarily indicative of future investment performance.

TEIC does not warrant or guarantee: that the Website will be available without interruption, error or omission; or that the Website and the server(s) that make it available are completely free from viruses or harmful components. You have sole responsibility for protecting and backing up your data and/or hardware, and for taking reasonable precautions to scan for computer viruses or other destructive software.

TEIC and its affiliates will not be held responsible, and will not be liable to you or anyone else, for any damages whatsoever and howsoever caused (including direct, indirect, special, consequential, or punitive damages) in relation to or arising from: the Website or the Content; your ability or inability to access or use the Website; any action taken by you in reliance on the Website or the Content; or any errors or omissions on the Website or in the Content. This disclaimer of liability applies even if you have advised TEIC of the possibility of such damages.

International Users
The Content applies to and is intended for full-time residents of Canada. If you live outside of Canada, the fact that you have access to the Website does not mean that the Content applies, or ever will apply, to you or your jurisdiction. TEIC does not warrant or represent that any Content applies internationally. You are responsible for checking the accuracy of any Content and its relevance to you and your organization. You may not use, copy, adapt or export the Content in violation of any applicable laws or regulations.

Not all of the products and services referenced on the Website are available in jurisdictions outside of Canada. In addition, nothing on the Website constitutes an offer or solicitation to buy or sell any currency, investment fund or other product, service or information to anyone in any jurisdiction in which an offer or solicitation cannot legally be made, or to any person to whom it is unlawful to make an offer or solicitation. For information relating to your jurisdiction, please speak with your financial or legal advisor.

Links to Third Party Websites
The Website may contain hyperlinks to third party websites which are neither maintained nor controlled by TEIC. While TEIC tries to provide links only to sites that share its high standards and respect for privacy, these links are provided solely for your convenience. If you use these websites, you will exit the Website. If you decide to visit any linked site, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses and other destructive elements. TEIC shall not be responsible for the availability, accuracy or reliability of the content of the other websites nor shall it be liable for any injury, damages, loss or expense howsoever arising from access to those websites. In no circumstances shall TEIC be considered to be associated or affiliated with any trade or service marks, logos, insignia or other devices used or appearing on websites to which the Website is linked.

No endorsement or approval of any third party or its website, advice, opinions, information, products or services is expressed or implied by any hyperlink or Content.

Copyright
Copyright protection includes but is not limited to the Website design and all Content. All rights, title and interest in and to the Website and the Content are owned by TEIC or third parties, as the case may be. The Content is either copyrighted by TEIC or reproduced with the permission of the owner of the relevant intellectual property rights.

Governing Law
The terms and conditions of use will be deemed to have been made in the Province of Ontario, Canada, and will be governed by and construed under the laws of that jurisdiction. You hereby irrevocably attorn to the exclusive jurisdiction of the courts of the Province of Ontario for any claim related to or arising from the use of this Website, and you hereby agree not to bring any action, claim, suit or proceeding against TEIC, its affiliates or agents (or any officer, director, or employee thereof) in any jurisdiction other than the Province of Ontario.