Please read this agreement carefully before you use this Web site. Your use of this Web site means that you agree to accept the following terms of use.

Confidentiality

CDSPI Advisory Services Inc. and CDSPI (collectively the “CDSPI Group”) and their employees and representatives respect the privacy and confidentiality of your personal information. However, the Internet is not a secure medium of communication. Therefore we cannot guarantee the privacy or confidentiality of any information you send to us or request be delivered to you on the Internet. Such information may be subject to access by other persons. We will not be responsible for any harm or damages you or others may suffer as a result of the loss of privacy or confidentiality of, or access of third parties to, such information.

Jurisdictions where available

The products and services offered by or administered by the CDSPI Group are only available in jurisdictions where they may be legally offered for sale. Nothing on this site constitutes an offer to buy or sell products or services offered by or administered by the CDSPI Group in any jurisdiction in which an offer or solicitation cannot legally be made, or to any person to whom it is unlawful to make a solicitation. Not all products or services are available in all jurisdictions. All products and services offered are subject to the terms and conditions of any applicable agreements.

Purpose of this Website

This site is not intended to provide you with personalized investment, insurance, financial, accounting, tax or legal advice. It should not be used as a substitute for personal advice from a CDSPI Advisory Services Inc. representative or an appropriate professional advisor.

Product information

Descriptions of products and services offered by or administered by the CDSPI Group are abbreviated summaries of such products or services, highlighting some of their features. You should review such products or services in detail by referring to the legal documents which govern them.

Reliability of information

Information provided on this site is believed to be accurate and reliable when posted. However, we cannot guarantee that information will be accurate and complete at all times. All information on this site is subject to modification and update from time to time without notice.

Web sites which may be accessed by hypertext links (other than the CDSPI Group Web sites) have not been prepared by the CDSPI Group and are entirely independent of this site. We do not guarantee the accuracy of any information on these other sites nor should any hypertext link to such site, or a hypertext link from such site to this Web site, be construed as our endorsement of such organization’s services or products, unless we explicitly provide such endorsement.

Use at your own risk

Your use of this Web site is entirely at your risk. The CDSPI Group, their officers, directors, employees and agents, shall not be responsible for any harm, loss or damage, however caused, arising out of your use of this site, including direct, indirect, special, third party or consequential damages, nor for any detrimental reliance you may place upon this site or its contents.

Availability of site

CDSPI Advisory Services Inc. will attempt to make this Web site available for use 24 hours per day, seven days per week. However, there will be occasions when the site will be unavailable for use or on which CDSPI Advisory Services Inc. will need to shut down the site for a period of time. The CDSPI Group will not be responsible for any damages which you may suffer if the site is unavailable for use.

Copyright

The contents of this site are protected by copyright. Users of this site may copy information for their own non-commercial personal use but may not republish or reproduce any part without the prior written permission of CDSPI Advisory Services Inc. Republishing and reproducing includes any uploading, downloading or accessing the information on this site onto the Internet or any other local or international computer system.

Trade-marks

The members of the CDSPI Group own all of the trade-marks used on or in connection with the goods and services which they provide. The trade-marks are protected by Canadian trade-mark laws.

Governing law

The laws of the Province of Ontario and the federal laws of Canada applicable therein govern the interpretation, validity and effect of this agreement and the use of this Web site. You hereby submit and attorn to the exclusive jurisdiction of the courts of the Province of Ontario in any action or proceeding arising out of or in connection with this agreement or your use of the Web site.