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WEBSITE LEGAL TERMS AND CONDITIONS

Binding Contracts:

Your use of this website is governed by the version of the Terms and Conditions of Use (the “Terms”) in effect on the date you access this website.  By your use or your access to this website you are agreeing to the Terms.  We may modify these Terms at any time without any prior notice to you.  Accordingly, it is your responsibility to inform yourself of these Terms whenever you are using or accessing this website.  These Terms are in addition to any other agreements you may have with Investors Source Corp. If you do not agree to the Terms, then you should immediately discontinue your use of this website.

Limitation of Warranties And Disclaimer of Liability:

The Content and Services as set out in this website and as are defined under the headings “Copyright” and “License”, are provided for educational or informational purposes only, and are not intended to provide financial, legal, accounting or tax advice or advice on any particular matter and should not be relied upon in that respect. You should not act or rely on any information on this website without seeking the advice of a professional.  While we endeavor to provide accurate and reliable information on this website, we do not endorse, approve or certify such information, nor do we guarantee the accuracy, completeness, efficacy, timeliness, or correct sequencing of such information.  

All Content is presented only as of the date published or indicated, and may be superseded.  Use of this Content is voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy and timeliness. You alone are solely responsible for determining whether any strategy, product or service, is appropriate or suitable for you based on your personal and financial situation. Investors Source Corp. assumes no obligation to update the Content, advise on further developments concerning topics mentioned or update the functionality of the Services provided. The information contained on this website may contain typographical errors. The Content and Services may be changed without notice. The Content and Services contained in this website are provided "as is" and “as available” without any representations, warranties or conditions of any kind, express or implied, including, without limitation, implied warranties or conditions of fitness for a particular purpose or use, or non-infringement. Further, no representations or warranties are made concerning the accuracy, completeness, timeliness or reliability of the content or services, or of any information contained in any site linked to this website. 

Investors Source Corp. does not warrant or guarantee uninterrupted access to this website, any site linked to this website or to the availability of any internet e-mail links provided on this website.  Investors Source Corp. does not warrant that any defects or inaccuracies will be corrected. Investors Source Corp. also makes no warranty that the results obtained from the use of this website will be accurate or reliable, or that the quality of any products, services, information, or other material purchased or obtained by you arising from your use of this website will meet your expectations.  In no event shall Investors Source Corp., its officers, directors, affiliates, agents, licensors, employees or internet service provider(s) (collectively "its representatives") be liable to you or any third party for any direct, indirect, incidental, special or consequential damages whatsoever, including but not limited to lost revenue, lost or damaged data or other commercial or economic loss, whether based in contract, tort (including negligence) or any other theory of liability (including but not limited to lost profits, trading losses or damages that result from use or loss of use of this website and third party content, inconvenience or delay). 

Investors Source Corp. will not be liable to you or anyone else for any loss resulting from a cause over which we do not have direct control. This includes failure or electronic or mechanical equipment or communications lines (including telephone, cable and internet), unauthorized access, viruses, theft, operator errors, severe or extraordinary weather (including flood, earthquake, or other act of God), fire, war, insurrection, terrorist act, riot, labor dispute and other labor problems, accident, emergency or action of government. The foregoing limitation shall apply even if Investors Source Corp. or its representatives have been advised or should have known of the possibility of such damage.   If you live in a jurisdiction that does not allow the limitation or exclusion of liability or incidental or consequential damages, some or all of these limitations and exclusions may not apply to you.

Copyright:

The contents of this website, such as text, publications, newsletters, articles, opinions, views, graphics, images, HTML code, multimedia clips, Java code, and the selection and arrangement of information (the "Content"), are protected by copyright and other intellectual property laws under both Canadian and foreign laws. Unauthorized use of the Content may violate copyright, trademark, patent and other laws. You must retain all copyright and other proprietary notices contained in the original Content on any copy you make of it.

License:

You are granted a limited license to use (display or print) the Content for your own personal non-commercial use only, provided the Content is not modified and you shall be fully responsible for any consequences resulting from such use. You are further granted a limited license to use the e-mail and Internet links (the "Services") provided on this website. Any other use of the Content or Services is prohibited. All rights not expressly granted herein are reserved. None of the Content or Services may be otherwise reproduced, re-published, re-disseminated or otherwise provided in any manner or form without the prior written consent of Investors Source Corp. or the third party to which the intellectual property rights belong. You may not sell or modify the Content or Services or reproduce, display, publicly perform, distribute, or otherwise use the Content or Services in any way for any public or commercial purpose. The use of the Content or Services on any other web site or in a networked computer environment for any purpose is prohibited. If you violate any of these Terms and Conditions, your permission to use the Content and Services automatically terminates and you must immediately destroy any copies you have made of any Content.

Indemnification:

As a condition of your use or this website, you agree to indemnify and hold Investors Source Corp. and its third party providers harmless from and against any and all claims, losses, liability, costs and expenses (including but not limited to lawyer’s fees) arising from your use of this website, or from your violation of these Terms.

Changes to this Website:

Unless otherwise agreed, Investors Source Corp. may discontinue or modify this website at any time without prior notice to you, and you accept such modifications if you continue to use this website.

Confidentiality:

Absent the use of encryption, the Internet is not a secured medium and privacy cannot be ensured. Internet e-mail is vulnerable to interception and forging. Investors Source Corp. will not be responsible for any damages you or any third party may suffer as a result of the transmission of confidential information that you make to any third party through any Internet e-mail links provided on this website and is not responsible for any errors or any changes made to any transmitted information. Should you decide to transmit information using Internet e-mail links, you do so at your own risk.

Computer Viruses:

While Investors Source Corp. makes efforts to ensure that all Content and Services provided on this website do not contain computer viruses, you are responsible to take the appropriate precautions to scan for computer viruses and to ensure that you have a complete and current back up of the applicable items contained on your computer system.

Links to Other Sites:

This website may contain links to other sites as well as e-mail links. These links are provided solely as a reference to help you identify and locate other Internet resources that may be of interest to you. These other sites were independently developed by parties other than Investors Source Corp.and Investors Source Corp. assumes no responsibility for the accuracy or appropriateness of the information contained in such sites. The inclusion of any link to another site does not imply endorsement by Investors Source Corp. Any mention of another party or its product or service on this website should not be construed as an endorsement of that party or its product service. If you decide to access linked third party web sites, you do so at your own risk.

Conformance with Law:

You agree that your use of this website shall not violate any applicable local, national or international law, including but not limited to any regulations having the force of law. Some jurisdictions may have restrictions on the use of the Internet by their residents.

You agree not to impersonate another person in your use of this website or the sending of any e-mail to an address listed on this website.

Choice of Law:

The laws of the Province of Ontario and the laws of Canada applicable therein shall govern as to the interpretation, validity and effect of this agreement notwithstanding any conflict of laws provisions or your domicile, residence or physical location. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the Province of Ontario in any action or proceeding instituted under or related to this agreement.

Severability

If a court of competent jurisdiction deems any provision unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

Our Commitment to you

Investors Source Corp. is committed to protecting your privacy and the confidentiality of your Personal Information.  Our Privacy Policy informs you of our policies and practices relating to the administration of your Personal Information.

Personal Defined Information

Personal Information is any information that defines you as an individual.  It includes information that you provide to us as well as information collected from other sources with your consent.

Some examples of Personal Information are your name, address, age, gender, personal information records, social insurance number and health information.

Personal Information does not include business contact information used for business purposes.

We collect this information in order that we can understand your needs to enable us to provide you with the services you have requested as well as to advise you of other products or services that may be of benefit to you.  If you elect to not provide certain Personal Information that we have requested, then we may not be able to provide the requested service or may have to discontinue providing you with the requested service.

Your Personal Information is also necessary in order to maintain records for preventing to the extent that we are able, error and fraud.

It may also be used for educational and marketing purposes directed at you to provide you with additional information which may be of pertinent interest to you in relation to the services which are being currently provided to you as well as availability of services provided by us, as well as products and services provided by our affiliated companies with whom we may share your Personal Information for this purpose.

Your Personal Information may be given to a third party who has contracted with us to provide certain services being provided to you, to be used only for the purposes of their contracted for services.

We share your Personal Information as required to comply with legal and regulatory requirements.  Examples of compliance requirements are income tax reporting, responding to investigations from law enforcement authorities. These authorities use your Personal Information for investigative and enforcement purposes and may disclose your Personal Information to other regulatory or government organizations.

When directed by you, we share your Personal Information with your financial planner and any other individuals or entities.  It is incumbent upon you to make yourself aware of your financial planner’s privacy policy and/or the privacy policy of these individuals or entities.  Investors Source Corp. is not responsible for the use of your Personal Information released in accordance with your instructions.

As our company continues to develop and grow, we may purchase or sell components of our business.  As the integral component of our business is the servicing of our clients, Personal Information will be released in a confidential manner in these circumstances for the purpose of completing such transactions.

Giving and withdrawing your consent

You are deemed to have given us consent to use your Personal Information in accordance with our Privacy Policy:

-        by receipt of our Privacy Policy unless you advise us that you do not agree with some or all of its terms and that you wish to withdraw your consent to some or all of its terms;

-        by providing information to us, either directly or through our authorized representatives;

-        by your express written or oral consent as obtained through an application process; or

-        if given by an authorized representative e.g. pursuant to a power of attorney.

In certain circumstances your consent may be implied.  You are representing you have the authority to consent to release of Personal Information of family members or others who are represented when you are disclosing their personal information during an application process, whether or not they are present.

If you are already a client, then when you amend your existing services or apply for and/or purchase new services, it is assumed the consent you originally gave to us remains in effect. 

Should you wish to withdraw your consent to our usage of any of your Personal Information for marketing communications of our services, you may do so at any time.  Should you elect not to provide us with all of your Personal Information which we request, or withdraw your previously given consent, we may not be able to provide you or continue to provide you with the services you have requested.

Your consent to our use of your Personal Information, once given, cannot be withdrawn if there are legal requirements for Investors Source Corp. to continue to use your Personal Information or if the withdrawal of your consent will not enable us to fulfill your agreement(s) with us.

Accuracy of your personal information

Visiting our website

We or a designated service provider may use “cookies” or similar electronic tools to collect information as to how you utilize our web site.  A “cookie” us a small text file that is placed on your computer.  It can inform us as to the web pages and information you have visited, the date and time of your visit, the web sites you visited immediately before or after viewing our web site, etc.  This information is collected anonymously and is measured only in aggregate to enable us for example, to determine how many people visit our website, and which sections and features are most popular.  This helps us to determine what type of information is most useful to you so we can improve our web site.

Most browsers are set to accept cookies by default.  If you prefer, you can usually set your browser to disable cookies, or to alert you when cookies are being sent.  The help function on most browsers contains information instructing you as to how to set your browser to notify you before accepting cookies or to disable cookies entirely.  However, it is possible some parts of this website will not function properly if you disable our cookies.

Using E-mail

When you send us an e-mail or when you ask us to reply to you by e-mail, we learn your exact e-mail address and any information you have included in the e-mail.

We use your e-mail address to acknowledge your comments and/or reply to your questions.  We store e-mail communications in case we correspond further.

We may use your e-mail address for educational and marketing purposes provided by us and by our affiliated companies with whom we share your Personal Information for this purpose.

You may be asked to be removed from our e-mail list for this purpose by contacting our Privacy Office as set out in the Heading “How to Contact Us”.

Link to third party websites

We may provide links to third party websites.  As we do not control third party sites, we are not responsible for any Personal Information you may provide while on such sites. Accordingly, we encourage you to read the privacy policies of these web sites before providing them with any Personal Information.

Conclusion

We reserve the right to add, modify or remove all or any part of this document at any time without prior notice to you.