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Agreement of Legal Terms Of Use

If you access and use this Internet website or any URL linking to our Financial articles or content, you accept and agree to be bound by and comply with the following terms. All payments shall be in reference to pricing set forth currently as stated on your invoices issued by Canadian Financial Publishing Group (also referred to as CFPG herein) unless otherwise agreed to in writing signed by CFPG. All terms of use set forth herein apply to all parties including representatives or owners of mutual fund dealerships 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 the Copyright Information below. 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 our potential liabilities and if updated will apply to all clients and prospects and anyone else who reads the text herein.

Regarding Payment by Contractees for Access to Services

If you are a Financial representative or advisor or consultant or mutual 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 a preauthorized monthly basis that can be requested. All unpaid invoices remaining in arrears after 90 days may be forwarded to a collection agency. Canadian Financial Publishing Group 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, to reflect increased costs of Internet business.

Use Of Website Services

Canadian Financial Publishing Group is not responsible for any reason for direct, indirect, special or consequential damages, however caused, arising out of your use of this Internet service and/or any web browser, or email service offered by CFPG, or 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 service is interrupted for any length of time. 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.

Hosting Your Website

Canadian Financial Publishing Group websites cannot be transferred to another ISP for hosting purposes, as the construction and configurations are designed to link to Canadian Financial Publishing Group copyright data. However, another ISP can point your domain name to your website's location at Canadian Financial Publishing Group where that ISP manages and charges for your domain's registration fees, but Canadian Financial Publishing Group does the actual hosting in all cases regarding the Internet website which also accesses CFPG Internet copyright data. Canadian Financial Publishing Group 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 registrar or ISP, which ultimately may serve no purpose to enhance your website service. Due to the technical nature of the service, Canadian Financial Publishing Group 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 with 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. You will need to work from your original files such as your Word documents sent.

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 unposted 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.

To advise any Canadian Financial Publishing Group client or prospect that it is possible to copy and reuse files any where else, may open an ISP or web technician to litigation for setting forth erroneous information about a Canadian Financial Publishing Group policy or about the potential of moving a Canadian Financial Publishing Group site, when that is in actuality impossible according to our disclaimer herein.

Changes and Edits to Your Website

Only Canadian Financial Publishing Group is allowed to make any alteration to your website, regarding uploading of any change, edit or update. Any other ISP or web technician is not allowed to access or upload to your website at any time as Canadian Financial Publishing Group websites are located on hard-drives where highly confidential and copyright information resides. To advise any Canadian Financial Publishing Group client or prospect that this is possible, may open that ISP or web technician to litigation for setting forth erroneous information about a Canadian Financial Publishing Group policy or about the potential of moving a Canadian Financial Publishing Group site, when that is in actuality impossible.

Email Services

Due to the technical nature of the service, Canadian Financial Publishing Group 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 is not responsible for the functionality or continuity of certain elements installed that have been designed by non-Canadian Financial Publishing Group Inc, designers or webmasters. In all cases Canadian Financial Publishing Group 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 Where non-Canadian Financial Publishing Group design or html 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 if CFPG were to do such work alone.

Where update design fees are not paid, it shall be viewed that your account is in arrears, and your site may be shut down.

Sale Of Products And Services Information

Canadian Financial Publishing Group does not sell any products or content or services other than documented information provided by CFPG and set forth on this website. 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 CFPG's website occurs, 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.

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 of any compliance or content issue or updating issue or where any other corporation's or individual's or your own judgment or bias of the site ensues 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 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 and 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. We would like to differentiate the following: 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.

Financial Viewpoint Access to CFPG Data URLs

By virtue of initial use or down payment, all parties leasing 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.

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 contractee to examine and reexamine the requested change on the website until satisfied and CFPG should be notified until such change is satisfactory. Where a newsletter change has been submitted, CFPG will not necessarily update the website until notified with a specific website directive.

General Disclaimer

The content in this website refers to Canadian finance in an educative way only. All statements and statistics set forth herein are intended for educational purposes only and are believed to be true and dependable, however accuracy of content is not guaranteed, nor will the publisher 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

Information provided by Canadian Financial Publishing Group Inc 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 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.

Mutual Fund Disclaimer

Only registered representatives of a Mutual Fund Dealer offer mutual funds.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the simplified prospectus before investing. Mutual funds are not guaranteed and are not covered by the Canadian Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Fund values change frequently and past performance may not be repeated.

Labour Sponsored Funds have tax credits that are subject to certain conditions and are generally subject to recapture, if shares are redeemed within eight years.

Investors should inform themselves regarding securities, taxation or exchange control legislation, which may affect them personally. This Web site is for general information only and is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. Please consult an appropriate professional regarding your particular circumstances.

This Internet Website does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make such 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 Web site is intended for Canadian residents only and the information contained herein is subject to change without notice. The owner and publisher of this Internet Website are not liable for any inaccuracies in the information provided.

Canadian Financial Publishing Group is not responsible for compliance for the purpose of co-op advertising on any website though we seek to comply with all MFDA rules.

References to Goods and Services

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.

Copyright Information

All articles published on this website are a copyright of Canadian Financial Publishing Group, 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 html newsletter on this site is strictly prohibited and will be prosecuted to the full extent of the law. The html newsletter can be sent indirectly by emailing your own website and requesting your client to view the newsletter linking from within your website. Such html newsletter on CFPG’s websites 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 liability.

All articles in the 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 is strictly forbidden. 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, without permission obtained from Canadian Financial Publishing Group Any such violation of copyright will be prosecuted to the full extent of the law.

Digital PDF Newsletter Copyright

All digital PDF e-Newsletters and articles are a copyright of Canadian Financial Publishing Group 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 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).

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 or leasor of 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 are assigned for use only on a Paid For Basis, and are not to be linked for free use from any other website unless you are established as a leasor of these services with CFPG, the provider. Any violation will be prosecuted to the full extent of the law.

Hard Copy Newsletters

Hard copy newsletters for direct mailing may be purchased from Canadian Financial Publishing Group by calling 1-800-819-8706.

Trademark Information

Financial Viewpoint R, Financial Advisor Interactive™, Advice On Money™, Finance Quarterly™, Investment Funds Quarterly™, Financium™, Finius™, Advisium™, and Fundium™ are trademarks of Canadian Financial Publishing Group 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 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 license or contract by Canadian Financial Publishing Group ("CFPG"). However, the display of Trademarks on pages at this website does not necessarily imply that any license has been granted to any third party.

All information in this website is protected under the copyright laws of Canada and/or other countries. Users of this website may not republish or reproduce any information in any manner, including electronic reproduction by "uploading" or "downloading", without the prior written consent of Canadian Financial Publishing Group Otherwise, no one has permission to copy, redistribute, reproduce or republish, in any form, any information found in the pages of this website.

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 by and managed by Canadian Financial Publishing Group as a service for the Financial representative who pays for this service. The Financial representative subscribes to these services in order to help educate his or her client and in no way implies that he or she authored the articles, unless otherwise indicated. The articles are intended only for online reading and single-use printing.

Compliance

Canadian Financial Publishing Group 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 leasor 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.

Agreement Not To Share URLs or Hyperlinks

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.

Contractee Responsible for Website Promotion - Not CFPG

Initiating an agreement to pay for and access services rendered by Canadian Financial Publishing Group does not imply that Canadian Financial Publishing Group 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 leasing access to a website designed by, or services rendered by, Canadian Financial Publishing Group is the responsibility of the contractee as contracted automatically herein. The contractee'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.

Automatic Contract Period

The minimum period of initial Internet access to CFPG’s copyright data shall be contracted for one year from the first date of copyright Internet access as indicated on the initial set-up invoice, and will automatically renew each following year for another new period of one year from that initial anniversary date where Internet access to CFPG data was initially allowed, irrespective of payment periods or invoicing cycles that are less than one year. To terminate a website or copyright access to CFPG Internet data, a registered letter must be received 90 days in advance of this anniversary date which can be determined by looking at your initiating set-up invoice, otherwise one year of copyright Internet access data fees shall be due on receipt of a late letter requesting to terminate, and in all cases all outstanding fees not yet paid, relating to hosting, changes, edits, and domain registrations shall be due, even where the Internet service has been shut off. Where a dispute arises, CFPG shall determine the actual anniversary date, as the first day of the first copyright Internet access period as stated on CFPG invoice records. 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.

Termination letters will not be deemed legal if given verbally over the phone or by facsimile or by email, without utilizing a mail or courier service that offers a registered receipt as proof of dating.

Where Initial Contract Periods Exceed One Year

Where the initial period of copyright Internet access is agreed to be for a period longer than one year, copyright Internet access will automatically renew each following year for another new period of one year from that initial anniversary date where Internet access to CFPG data was initially allowed, irrespective of payment periods or invoicing cycles that are less than one year.

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 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 one year 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.

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 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 Internet websites of Canadian Financial Publishing Group 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 unless payment for services has been rendered.

Website Readiness

Canadian Financial Publishing Group will not be responsible for premature advertisements or promotion by any client to anyone, by any method, who advertises 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.

To Discuss Strategic Relationships

Canadian Financial Publishing Group supplies website content to existing websites as well as building Financial websites that yield CFPG content. To order a website or discuss group website content please contact Canadian Financial Publishing Group

Contact Person
Glen R. Jackman
President & CEO

ceo@cfpg.com

Tel: 1.888.YES.CFPG (937.2374)
Fax: 1.888.FAX.CFPG (329.2374)

Address:
4A-385 Fairway Road South, Suite 221
Kitchener, ON N2C 2N9

 

©Canadian Financial Publishing Group. All Rights Reserved.