Website Disclaimer
Users of www.mimoney.ca web site are responsible for checking the completeness, accuracy, content, currency, suitability, and timeliness of all contained info. www.mimoney.ca makes no guarantees, or warranties, expressed or implied, as to the accuracy, completeness, and timeliness of the information provided on this web site. www.mimoney.ca specifically disclaims any and all liability for any claims or damages that may result from providing this web site or the information it contains, including any web sites maintained by third parties and linked to or from the www.mimoney.ca web site.
Electronic Communications
www.mimoney.ca cannot guarantee the confidentiality of any information transmitted over the Internet, accordingly, email transmissions should not contain confidential information and www.mimoney.ca will not be liable for errors, omissions or alterations made or caused by email communications.
Copyright & Terms of Use
www.mimoney.ca owns and reserves copyright in this web site. Users are free to download information for personal use, provided that they do not alter the information. None of the information on this web site may be reproduced, distributed or published for any other purpose without the direct written consent of www.mimoney.ca.
Investment Disclaimer
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the simplified prospectusbefore investing. Mutual funds are not guaranteed and are not covered by the Canada 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 Investment Funds (“LSIF”) have tax credits that are subject to certain conditions and are generally subject to recapture, if shares are redeemed within eight years. Please note that Mutual Fund Representatives in Alberta are not permitted to sell LSIF.
An investor proposing to borrow for the purchase of securities should be aware that a purchase with borrowed monies involves greater risk than a purchase using cash resources only. The extent of that risk is a determination to be made by each purchaser and will vary depending on the circumstances of the purchaser and the securities purchased.
Discuss the risks associated with leveraged mutual fund purchases with an investment funds advisor before investing. Purchases are subject to suitability requirements. Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same if the value of the securities purchased declines.
Investors should educate 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 circumstance.
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.
Representatives who operate using a Trade Name act in the capacity of investment funds advisors and may be licensed for the sale of life insurance. Representatives of a Trade Name are registered through separate organizations for each purpose and as such, you may be dealing with more than one entity depending on the products purchased. Representatives of a Trade Name will provide the name of the entity being represented when insurance business is conducted. The sale of insurance products is not the business of or under the supervision of Armstrong & Quaile Associates Inc. Armstrong & Quaile Associates Inc. will not be liable or responsible for such activities.
All non-mutual fund related business conducted by Representatives of a Trade Name are not in the capacity of an employee or agent of Armstrong & Quaile Associates Inc. Non-mutual fund related business includes, without limitation, advising in or selling any type of insurance product, advising in or selling any type of mortgage service, estate and tax planning or tax return preparation. Accordingly, Armstrong & Quaile Associates Inc. is not liable and/or responsible for any non-mutual fund related business conducted by Representatives of a Trade Name. Such non-mutual fund related business is the responsibility of Representatives of the Trade Name alone.
References in this Internet Website to third party goods or services should not be regarded as an endorsement of these goods or services. By accessing any of the links provided you will be leaving the Armstrong & Quaile Associates Inc. web site and or the website for the Representative with the Trade Name. Neither Armstrong & Quaile Associates Inc. nor the Representative with the Trade Name is responsible for the information contained on these websites.
The information contained on this Internet Website is for general information purposes only and is the opinion of the owners and writers. This information is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice.
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.
Mutual Funds provided through Armstrong and Quaile Associates Inc.
Insurance Disclaimer
I, Randy Brookes, the financial advisor affiliated with www.mimoney.ca is a life licensed agent in the province of Ontario. With this license he is able to offer the following insurance products: Life insurance, Disability Insurance, Critical Illness Insurance, Long Term Care Insurance, Travel Insurance, Health and Dental Insurance, and investments such as segregated funds.
Insurance products are offered through Simon Jackson Insurance which is a managing general agency (MGA).
As an independent agent I have access to companies such as Manulife, Canada Life, GMS, TIC, AIG, RBC Insurance, Unity Life, Desjardins Financial Security, Sunlife, Transamerica, Standard Life, Equitable Life just to mention a few.
My relationship with each of the above mentioned companies and other companies contracted through Simon Jackson Insurance is such that no insurance company holds an interest in my business, nor do I hold any interest in any Insurance Company.
I take the potential of a conflict of interest seriously. I will notify you if there is a conflict of interest which I become aware in regards to my recommendations to you. My overall recommendations to you will take into consideration, and will be based on my analysis of your financial security needs.
If you choose to purchase a product through me, I will be paid a sales commission by the company that provides the product you purchase. I may receive a service or renewal commission if you keep that product in force. I may also be eligible for additional incentives, depending on various factors such as the volume or persistency of business I place with a particular company during a given period.
Should you require additional information about my qualifications or the nature of my business relationships, I would be pleased to assist you.
Insurance Quote Disclaimer
By requesting a quote understand that this is not an insurance policy. Also it is not an offer of insurance. Additional information may be required in order for a complete quote to be provided. This quote request contains some information about coverage offered but it does not list all of the conditions and exclusions that apply to the described coverage. The exact wording of the insurance policy governs all situations. This quote request is only available to persons resident in the Province of Ontario. The products described are subject to change without notice at any time.
MORTGAGE DISCLAIMER
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PRIVACY POLICY
Your Privacy and Security is Important
We at Mimoney.ca are committed to respecting and protecting your privacy and security. Mimoney.ca has taken all reasonable measures to protect the security of your personal information gathered through ourwww.mimoney.ca website (the Site) and to protect your data from misuse and unauthorized access or disclosure. Mimoney.ca exercises care in providing secure transmission of your information from your computer to our servers.
Information Collected through the Site
Statistical Information
We automatically collect anonymous statistical information regarding usage of our website. For instance, our Site will recognize the type of browser you are using (Netscape or Internet Explorer), the address of the Internet Service Provider you are using, the site that linked you to our Site, the pages you visit at our Site, and similar information. None of this information identifies you personally.
Cookies
Mimoney.ca has two primary uses for its cookies. First, we use them to specify each user's preferences. Second, we use cookies to track website usage trends and patterns. This helps us to better understand the needs of our users and to improve areas of our services which our users find valuable. While both of these activities depend on the use of cookies, you have the option of disabling the cookies via your browser preferences.
Personal Information
Mimoney.ca does not collect your personal information through the Site except when such personal information is provided to us on a voluntary basis. For example, Mimoney.ca will collect a user's name, address, phone number and/or email address and any additional details that a user chooses to provide if he or she completes the form on the [Contact Us] page of the Site. If you choose not to provide personal information, please note that certain services associated with the Site may not be available to you as they cannot be supplied without personal information.
Use And Disclosure Of Information
Your personal information that is gathered through the Site will not be sold to third parties without your approval, provided that Mimoney.ca reserves the right to and may disclose such personal information: (a) to its affiliates, subsidiaries and third party agents for purposes related to providing services associated with the Site or the promotion or advertisement of Mimoney.ca
Mimoney.ca uses information gathered through the Site for the purposes of:
- including each user's personal information on Mimoney.ca databases and on Mimoney.ca mailing list in order to provide users with updates and invitations to upcoming events that may be of interest to each user;
- responding to any specific requests you may make;
- understanding how the Site is being used and to improve the Site
- using such information in connection with the marketing initiatives of Mimoney.ca
Removal Of Personal Information
You can request that we delete all your personal information submitted by you through the Site from our database by providing detailed instructions to Mimoney.ca Privacy Officer. Upon your request, Mimoney.ca will delete all electronically stored personal information you have submitted through the Site. Please note that Mimoney.ca is not responsible for and cannot delete personal information from the systems or files of financial institutions, credit reporting agencies, or real estate brokers. Please allow two weeks for processing of deletion requests.
Natural Limits of Security
Unfortunately, no data transmission over the Internet can be guaranteed to be 100 percent secure. As a result, while we strive to protect your information, Mimoney.ca cannot and does not ensure or warrant the security of any information you transmit to us, and any information you do transmit to us via the Internet is done at your own risk. Once we receive your transmission, Mimoney.ca uses industry-accepted efforts to safeguard the confidentiality of your information, such as firewalls, secure socket layers as well as unique user name and password protections.
We also restrict internal access of stored data to select employees and our franchisees that have been informed of our privacy policies. If you have concerns involving the security or privacy of your information, please contact Mimoney.ca's Privacy Officer.
Contact Us
If you have a question about Mimoney.ca's information practices, or if you wish to contact Mimoney.ca about your information, please contact:
Samantha Dann
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TERMS AND CONDITIONS
IMPORTANT!
By accessing and using the www.centum.ca website (the Site), you are agreeing to the following terms and conditions and to the Privacy Policy available elsewhere on the Site. These terms and conditions and the Privacy Policy may be changed from time to time, and it is your responsibility to check back regularly to inform yourself of such changes. Your continued use of the Site following the posting of changes to these terms will be deemed as your acceptance of all such changes. If you do not agree to these terms and conditions, you must immediately stop accessing and using the Site.
Background
This is an agreement between you and Centum Financial Group Inc. (CENTUM)and MImoney.ca Inc., and describes the terms and conditions applicable to your use and access of the Site.
Permitted Use
You are only authorized to visit, view and to retain a single copy of pages of the Site for your own personal use. You shall not duplicate, download, publish, modify or otherwise distribute any of the information, reports, data, graphics, trade-marks, text, files, software, product or company names, trade-marks or trade-names listed, contained, embedded or otherwise present on this Site from time to time (collectively, the "Content") for any purpose. Additionally, you shall not, without CENTUM's prior written permission, remove or modify any legal notices or credits which may be present on the Site, link or post links to any subdirectory of the Site or frame any portion of the Site.
Franchisee and External Links
The Site contains links to websites operated by CENTUM franchisees (each a "Franchisee") and to third party websites. CENTUM cannot and does not make any guarantees, representations, warranties or endorsements with respect to the content contained or services available on such websites (including, without limitation, any guarantees or representations with respect to the accuracy of the information contained on such websites, the reliability of such websites, the suitability for a particular purpose of such websites or the absence of any viruses, bugs or other disabling material on such websites which may adversely affect the operation of your computer or other software). By using the Site to link to another website, you understand and agree that CENTUM will not be liable for any damages or losses resulting or arising from your use of such other websites. If you are interested in establishing a link from your website to our home page, or if you wish to publish or post our name, logo or other references to CENTUM on another website, please contact us at legal@centum.ca.
Access and Interference
You shall not use any robot, spider or any other device or process to monitor or copy the Site or the Content without CENTUM's prior written permission, and also shall not use any device, software or routine to interfere or attempt to interfere with the proper operation of the Site or, where applicable, the Content.
Limitation of Liability and Disclaimer
USE OF THIS SITE AND CONTENT IS SOLELY AT YOUR OWN RISK. CENTUM provides the Site and the Content on an "as-is, where-is" basis, and does not represent, warrant or guarantee that the Site or the Content will be free of errors, viruses, worms or other disabling material which may adversely affect the operation of your computer or other software or that the Site will function on an uninterrupted basis. CENTUM expressly disclaims all warranties, express or implied, with respect to the Site and the Content, including, without limitation, any implied warranties of merchantability, fitness for a particular purpose or ownership and non-infringement of the Content. NEITHER CENTUM NOR ANY FRANCHISEE SHALL BE LIABLE FOR ANY LOSS OR DAMAGES OF ANY KIND (INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, PUNITIVE AND/OR CONSEQUENTIAL DAMAGES) ARISING OUT OF OR IN CONNECTION WITH THE USE OR ACCESS OF THIS SITE OR THE CONTENT, WHETHER SUCH LOSS OR DAMAGE ARISES OUT OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER THEORY OF LIABILITY OR RESPONSIBILITY.
Ownership
The Content and the Site are the property of CENTUM and/or its suppliers and trade partners and are protected by Canadian and international copyright, trade-mark and other laws. The CENTUM trade-mark and logo are trade-marks of CENTUM. Except as expressly permitted in these terms and conditions, you shall not copy, transmit, display, distribute, license, alter, frame or otherwise use in whole or in part in any manner any of the Content. Other featured words or symbols used to identify the source of goods and services are the trade-marks of their respective owners.
Content
As CENTUM cannot and does not represent, warrant or guarantee that the Site or the Content will be free from errors, viruses, worms or other disabling devices, you should take, and represent and warrant that you have taken, reasonable and appropriate precautions to scan for computer viruses. You should also ensure that you have, and represent and warrant that you have, a complete and current backup of the information contained on your computer prior to using or accessing the Site or the Content.
Privacy
CENTUM believes your privacy is important. Please review CENTUM's [Privacy Policy] which applies to all information transmitted by you or gathered by CENTUM through your use of the Site. Any information transmitted to CENTUM by you other than specific information about you will be treated by CENTUM as non-confidential and non-proprietary, and you authorize CENTUM to distribute, reproduce and otherwise use such information as CENTUM considers appropriate.
Choice of Law
Your access to and use of Site, these terms and conditions and the Privacy Policy are governed in all respects by the laws of British Columbia, and any disputes arising out of or in connection with the Site will be heard in the courts of Vancouver, British Columbia. Indemnity. You shall indemnify and hold CENTUM and each Franchisee (and their respective subsidiaries, affiliates, officers, agents and other partners and employees) harmless from any loss, liability, claim or demand, including reasonable legal fees, made by any third party due to, or arising out of, your use and access of the Site.
Online Applications to Franchisees
Information contained in mortgage applications, online or otherwise, is submitted to enable CENTUM to consider a mortgage loan, and is to my best knowledge and belief a true statement of my affairs. In submitting this information I/We consent to CENTUM, CENTUM Franchisees, and / or any of its agents or assigns, obtaining such credit reports and other information necessary at any time in connection with the application made for a mortgage loan and to the disclosure of any personal and credit information concerning the undersigned to any credit reporting agency, financial institution or corporation for the purpose of mortgage approval, funding and ongoing account management. I/We also consent to receive periodic mortgage account information as well as mortgage and real estate related promotional or informational material.
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