Legal Notice

Legal Notices and General Disclaimer Regarding the Use of this Site

This Notice and Disclaimer applies to all parties visiting this Web site.

General Use Restrictions

This Web site is intended for Canadian Residents only and the information contained herein is subject to change without notice. The owner of this Web site is not liable for any inaccuracies in the information provided.

This Web site does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorized or to any person whom it is unlawful to make such offer or solicitation.

All information, documents, products, software, and services (the "Materials") provided on this Web site were provided by or to The Canada Loyal Group by their respective manufacturers, authors, developers and vendors (the "Third Party Providers"). Except as stated herein, none of the materials may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording or otherwise, without the prior express written permission of The Canada Loyal Group or the Third Party Provider.

The information on this site is general only; it is not intended as specific investment, financial, accounting, legal or tax advice for any individual and you should not rely on it as such. The Canada Loyal Group and its Third Party Providers are not responsible in any way for damages (direct, indirect, special or consequential) resulting from your use of this site or the information on this site.

Nothing on this Web site shall be construed as conferring any license under any of The Canada Loyal Group or any Third Party Provider's intellectual property rights, whether by estoppel, implication, or otherwise. You acknowledge sole responsibility for obtaining any such licenses. Permission is granted to display, copy, distribute and download The Canada Loyal Group materials on this Website provided that: (1) this permission notice appear in the Materials; (2) the use of such Materials is solely for personal, non-commercial and informational use and will not be copied or posted on any network computer or broadcast in any media; and (3) no modifications of any of the Materials are made. This permission terminates automatically without notice if you breach any of these terms or conditions. Upon termination, you will immediately destroy any downloaded and printed Materials. Any unauthorized use of any Materials contained on this Web site may violate copyright laws, trademark laws, the laws of privacy and publicity and communications regulations and statutes.

Third Party Content Disclaimer

Materials provided by Third Party Providers have not been independently authenticated in whole or in part by The Canada Loyal Group The Canada Loyal Group does not provide, sell, license or lease any of the The Canada Loyal Group materials other than those specifically identified as being provided by The Canada Loyal Group

Links to Third Party Sites

This Web site may be linked to other Web sites that are not under the control of and are not maintained by The Canada Loyal Group. Canada Loyal Group is not responsible for the content of those sites. The Canada Loyal Group is providing these links to you only as a convenience and the inclusion of any link to such sites does not imply endorsement by The Canada Loyal Group of the sites. A link to a non The Canada Loyal Group Web site does not mean that The Canada Loyal Group endorses or accepts any responsibility for the content or use of such Web site. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, Trojan horses and other items of a destructive nature.

Software Use Restrictions

Any software that is made available to be download from the Web site (the "Software") is the copyrighted work of The Canada Loyal Group and/or Third Party Providers. Use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the Software (the "License Agreement"). An end user will be unable to install any Software that is accompanied by or includes a License Agreement, unless the end user first agrees to the terms of the License Agreement. Except as set forth in the applicable License Agreement, any further copying, reproduction or redistribution of the Software is expressly prohibited.

Installation assistance, product support and maintenance, if any, of the Software is available from The Canada Loyal Group. and/or the Third Party Providers, as the case may be.

Disclaimer of Warranty

The Canada Loyal Group makes no representations, warranties or guarantees as to the quality, suitability, truth, accuracy or completeness of any of the Materials contained on the Web site. Any questions regarding the Materials should be directed to the providers of such materials.

Limitation of Liability

The Canada Loyal Group shall not be liable for any damages suffered as a result of using, modifying, contributing, copying, distribution or downloading the Materials. In no event shall The Canada Loyal Group be liable for any indirect, punitive, special, incidental or consequential damage (including loss of business, revenue, profits, use, data or other economic advantage) however it arises, whether for breach or in tort, even if The Canada Loyal Group has been previously advised of the possibility of such damage.

You have sole responsibility for adequate protection and backup of data and/or equipment used in connection with the Web site and will not make a claim against The Canada Loyal Group for lost data, re-run time, inaccurate output, work delats or lost profits resulting from use of the Materials.

You agree to hold The Canada Loyal Group harmless from, and you covenant not to sue The Canada Loyal Group for, any claims based on using the Web site.

Local Laws and Export Control

The Canada Loyal Group controls and operates this Website from its headquarters in Canada and makes no representation that these Materials are appropriate or available for use in other locations. If you use this Website from other locations, you are responsible for compliance with applicable local laws including, but not limited to, the export and import regulations of other countries.

Unless otherwise explicitly stated, all marketing or promotional materials found on this Web site are solely directed to individuals, companies or other entities located in Canada.

You acknowledge and agree that Materials are subject to the Canada Export Laws and Regulations. Diversion of such Materials contrary to Canadian law is prohibited. You agree that none of the Materials, nor any direct product there from, is being or will be acquired for shipped, transferred or re-exported, directly or indirectly, to proscribed or embargoed countries or their nationals, nor be used for nuclear activities, chemical biological weapons or missile projects unless authorized by the Canadian Government. You agree to comply strictly with all Canadian export laws and assume sole responsibility for obtaining licenses to export or re-export as may be required.

General

This Web site could include inaccuracies or typographical errors. The Canada Loyal Group and the Third Party Providers may make improvements and/or changes in the products, services, programs and prices described in this Web site at any time without notice. Changes are periodically made to the Web site.

Any action related to these Terms will be governed by British Columbia provincial law and controlling Canadian federal law. No choice of law rules of nay jurisdiction will apply.

These Terms represent the entire understanding relating to the use of the Web site and prevail over any prior or contemporaneous, conflicting or additional, communications. The Canada Loyal Group can revise these Terms at any time without notice by updating this posting.

Copyright and Trademark

The Canada Loyal Group and the Canada Loyal Group logo are trademarks of The Canada Loyal Group They may not be used as hyperlinks or reproduced without our prior written consent.

The content and design, including all text, images, PDF and software used in this Web site, are protected by copyright. Reproduction or redistribution of any part of this Web site is permitted only with our prior written consent.

Accuracy of Information

This Web site was designed and is intended for general information and reference purposes. It should not be used to replace professional investment or insurance advice.

The information provided on this Web site is subject to change and update without notice. Every reasonable effort is made regarding the quality of this Web site; however, The Canada Loyal Group cannot guarantee the accuracy, completeness or timeliness of information provided.

Your Privacy and Security

The Canada Loyal Group is committed to respecting your privacy and to maintaining the confidentiality of any information you provide us on our Web site.

We do not use cookies on our public Web site. We may request information which identifies you personally such as your name, mailing or email address when you contact us by email or if you complete an online questionnaire. We do not collect personal information on our public Web site without your permission. Information collected is used strictly for the purposes for which it is requested and is not shared with outside interests.

The security of -mail communications to a public Web site cannot be guaranteed. If you wish to send private or confidential information to The Canada Loyal Group, you are encouraged to do so by other means.

If you have questions about the use of our Web site or would like further information on your privacy and security when using our Web site, please contact our Privacy Officer.

The Privacy Officer
Canada Loyal Group.
Corporate Head Office
2866 Portland Drive
Oakville, Ontario, Canada
L6H 5W8