1. Use of this web site.
This web site is owned and operated by PEAK Financial Group ("Site
Owner") for your personal non-commercial use and information. Use of
this web site is subject to the following terms and all applicable
laws. By accessing and browsing this web site you accept, without
limitation or qualification, these terms. If you do not agree with
any of the terms, please do not use this web site. You are
responsible to ensure that your access to this web site and material
available on or through it are legal in each jurisdiction on or
through which you access or view the site or such material.
2. Copyrighted Material. Material on this web site may not be copied,
reproduced, re-published, downloaded, uploaded, posted, transmitted
or re-transmitted, communicated to the public by telecommunication,
distributed, or modified in whole or in part, whether in text,
graphical, audio, video or executable form, except with written
permission of Site Owner. If you require further information on the
permitted use or license to use the material contained on this web
site, please address your inquiry to the Marketing Department, PEAK
Financial Group, 2000 Mansfield, 18th Floor, Montreal (Quebec) H3A
3A6.
3. Trade-mark. Trademarks and logos (including certain names, words,
titles, phrases, designs, graphics and icons) (collectively,
"Marks") displayed on this web site are registered or unregistered
Marks of Site Owner or others, are the property of their respective
owners, and may not be used without written permission of the owner
of such Marks. If you require further information on a permitted use
or license to use the Marks, contained in this web site, please
address your inquiry to the Marketing Department, PEAK Financial
Group, 2000 Mansfield, 18th Floor, Montreal (Quebec) H3A 3A6. The
symbols ® and TM designate registered and unregistered trade-mark
status, respectively.
4. Facts and data posted. Facts and data provided by Site Owner and
other sources are believed to be reliable when posted and are for
information purposes only. Site Owner cannot guarantee that they are
accurate or complete or that they will be current at all times.
Information on this web site is provided to you "as is" without
warranties of any kind, expressed or implied, and is not intended to
provide specific technical, financial, tax, legal, business,
accounting or other advice for your individual circumstances, and
you should consult your own professional advisors to determine how
any information provided on this web site applies to your individual
circumstances. Site Owner and its licensors are not responsible in
any manner for direct, indirect, special or consequential damages
howsoever caused and/or arising out of the use of this web site.
5. Exclusion of Warranties. Site Owner makes no representation or
warranty regarding the functionality or condition of this web site,
its suitability for use, or that its use will be uninterrupted or
error-free. All material on this web site is provided to you "as is"
without warranties of any kind. Site Owner and its licensors
disclaim all warranties or conditions, written or oral, statutory,
express or implied, including without limitation, warranties or
conditions of merchantability or fitness for a particular purpose.
Such exclusions are in addition to any specific exclusions otherwise
provided in these terms and conditions. To the extent that the
jurisdiction to which you are subject does not allow exclusion of
certain warranties, such exclusions which are not permitted do not
apply.
6. Limitation of Liability. Neither Site Owner nor its licensors
will be liable for any damages, either direct or indirect,
incidental, special or consequential, for use of or inability to use
material, products or services of any kind, delay of or partial
delivery, termination of rights or loss of profits, data, business
or goodwill, whether on a contractual or extra-contractual basis, or
liable to provide indemnification or any other remedy to you or any
third party. Your sole and exclusive remedy is to discontinue using
and accessing this web site.
7. Ownership and Confidentiality. Material on this web site,
including but not limited to text, images, illustrations, software,
audio clips and video clips, is owned or otherwise provided by Site
Owner and Site Owner does not represent or warrant that such
material does not infringe the rights of any other person or entity.
You acknowledge that information or material which you provide
electronically through your access to or usage of this web site is
not confidential or proprietary, except as may be required under
applicable law, and acknowledge that unprotected e-mail
communication over the Internet is subject to possible interception,
alteration or loss. You also warrant that any information or
materials which you provide to Site Owner electronically through
your access to or usage of this web site does not infringe the
rights of any person or entity, and acknowledge that such
information and materials may be used in whole or in part in any
manner by Site Owner including, but not limited to, reproduction,
retransmission, publication of such information or material or ideas,
concepts or any other information contained therein for the
commercial purposes of Site Owner or disclosure of your identity.
8. Monitoring. Site Owner may monitor access to and other activities
relating to the site, and intervene in relation thereto but does not
make any representation or warranty that it will do so. You consent
to any such monitoring and intervention in the event Site Owner
elects to do so.
9. Links. Links and references to other web sites are provided to
you as a convenience only. Site Owner has not reviewed and does not
expressly or implicitly endorse other websites or any information or
material, or the accessibility thereof, via such links, and does not
assume any responsibility for any such other web sites, information
or material posted thereon, or products or services offered thereon.
You may not create links from other web sites to this web site,
except if expressly permitted by Site Owner. (To obtain permission,
contact our Marketing Department, PEAK Financial Group, 2000
Mansfield, 18th Floor, Montreal (Quebec) H3A 3A6).
10. Software. Any software available through this website is
provided by Site Owner or by third party software vendors pursuant
to license agreements or other arrangements between such vendors and
end-users. Site Owner does not sell, resell, license or sub-license
any such software and Site Owner disclaims any responsibility or
liability related to the software. Any questions, complaints or
claims related to the software should be directed to the appropriate
vendor. You are solely responsible for adequate protection and
backup of the data and equipment used in connection with any of the
software downloaded through this web site. In the event of any
express inconsistency between these terms and those contained in any
license agreement with a software vendor, the terms contained in the
license agreement shall prevail.
11. Viruses, Errors and Defects. Site Owner does not represent or
warrant that the information or materials, including without
limitation any downloadable software, accessed from or through this
web site will be uninterrupted or free of errors, defects, viruses
or other harmful components, or that any such problems which are
discovered will be corrected.
12. Damages to Others. You agree not to introduce onto or through
this web site any information or materials which may be harmful to
others. Among other things, you agree not to include, knowingly or
otherwise, any error or defect in material or information which may,
among other things, be a libel, slander, defamation or obscenity, or
promote hatred or otherwise give rise to a criminal offence or civil
liability on the part of any person or entity.
13. Reserve of Rights. All rights not expressly granted in these
terms are reserved to Site Owner. Nothing contained in these terms
shall be construed as conferring by implication, estopped or
otherwise any license or right under any copyright, patent,
trademark or other intellectual right of Site Owner or any other
person or entity.
14. Governing Law. This site is controlled and operated by Site
Owner from Montreal, Quebec, Canada and these terms shall be
governed by the laws of Quebec and the applicable laws of Canada
without reference to principles of conflict of laws. You agree to be
bound by such laws and to submit to the jurisdiction of the courts
of the Province of Quebec in connection with the interpretation or
application of these terms.
15. Changes to Terms. Site Owner may modify, alter or otherwise
update the terms applicable to this web site from time to time
without notice, and you agree to be bound by such terms as are in
effect at the time at which you access the Site Owner web site.
16. Jurisdiction. This web site is controlled and operated by Site
Owner from Montreal, Quebec, Canada. Site Owner makes no
representation that materials on the web site are appropriate or
available for use in other locations. Those who choose to access
this web site from other locations do so on their own initiative and
are responsible for compliance with local laws, if and to the extent
local laws are applicable.
FINANCIAL INFORMATION
17. General Information Regarding Mutual Funds. Commissions,
trailing fees, management fees and expenses may all be associated
with mutual fund investments. Please read the prospectus of a
particular fund before investing in it, and consult your financial
advisor. Past performance does not guarantee future returns. The
indicated rates of return in this communication are historical
annual compound total returns except for returns for periods less
than one year. They include changes in net asset value and
reinvestment of all distributions, but do not take into account any
sales, redemption, or other charges payable by a unit holder, which
would reduce returns. Investment returns will fluctuate. Mutual
funds are not guaranteed, their values change frequently and past
performance may not be repeated. Mutual funds are not covered by the
Canada Deposit Insurance Corporation or by any other government
deposit insurer.
18. Limitation of Liability. The information contained on this web
site is intended for Canadian residents only and is subject to
change without notice. Site Owner will not be held liable for any
inaccuracies in the information provided.
19. No Offering of Securities. None of the materials or information
contained on this web site constitutes an offering of securities in
any jurisdiction, nor an offer or solicitation in any jurisdiction
in which such an offer or solicitation is not authorized. The paper
version of the prospectus of the funds is not intended to be in any
way qualified, amended, modified or supplemented by the information
otherwise available in, through or on this web site. Due to the
technical and security risks inherent to Internet and because the
document you access may differ from the original, depending on your
browser's software, the information set out in this web site should
not be used for the purpose of making investment decisions with
respect to the funds of Site Owner. If you are contemplating
investing in a particular fund, please read the relevant prospectus
and consult your financial advisor. You should contact Site Owner to
obtain printed copies of documents you wish to review.
