This Site is provided for general informational purposes only and does not constitute personalized or specific advice on financial planning, investment, insurance, financial, legal, accounting, tax or similar matters.
The Conditions of Use contain a number of important obligations, restrictions, notices and disclaimers that apply to this Site, to the use of this Site and to any information which is made available on this Site. By making any use of this Site and/or any of the pages or information made available on this Site, you are agreeing to be bound by all of the provisions of these Conditions of Use and that you will comply with the provisions of these Conditions of Use in respect of all matters regarding this Site. We recommend that you read the entire Conditions of Use carefully. If you do not agree with these Conditions of Use, do not access or view this Site.
In addition to these Conditions of Use, your use of this Site may also be subject to the terms and conditions which may be posted on or applicable to Third Party Sites. See the section below entitled “Disclaimer re Third Party Sites.”
These Conditions of Use apply to all persons who use this Site, or who attempt to do so, whether or not they are authorized by Investors Group. Such a person is referred to in these Conditions of Use as “User” or “you.”
In these Conditions of Use:
Changes may be made by Investors Group to these Conditions of Use at any time by updating this posting. We strongly recommend that you review these Conditions of Use regularly, and your continued use of this Site means that you agree to any changes made. Notice of such changes may be given to you whether on this Site or separately, but the failure to give such notice does not relieve you of any responsibility to review these Conditions of Use or from being bound by the provisions of these Conditions of Use as amended.
This Site and its content are administered by Investors Group from its offices in Canada. This Site, its content, these Conditions of Use and your use of this Site are all governed by the laws of the Province of Manitoba and the laws of Canada as applicable therein, without giving effect to any conflict of laws principles. You agree that all questions and disputes regarding this Site and your use thereof will be decided exclusively by the courts of the Province of Manitoba.
Investors Group is a Canadian leader in providing personal financial products and services, and is dedicated to building lasting client relationships. - Investors Group offers a unique family of mutual funds and a comprehensive range of other investment products and financial services, including Registered Retirement Savings Plans, Registered Retirement Income Funds, Registered Disability Savings Plans, life and disability insurance, Guaranteed Investment Certificates and mortgages.
Investment products and services are offered through Investors Group Financial Services Inc. (in Québec, a Financial Services firm) and Investors Group Securities Inc. (in Québec, a firm in Financial Planning). Investors Group Securities Inc. is a member of the Canadian Investor Protection Fund. Insurance products and services distributed through I.G. Insurance Services Inc. (in Québec, a Financial Services Firm). Insurance license sponsored by The Great-West Life Assurance Company (outside of Québec). Investors Group Trust Co. Ltd. is a federally regulated trust company. Mortgages are offered through I.G. Investment Management, Ltd. Banking products and services are distributed through Solutions BankingTM. Solutions BankingTM products and services are provided by National Bank of Canada.
*In the Province of Ontario, Mortgage Brokerage Licence #10809, Mortgage Administrator Licence #11256.
If you have any questions or concerns regarding this Site, please contact:
Investors Group Inc.
-
447 Portage Avenue
Winnipeg, Manitoba
R3C 3B6
Attention: Corporate Contact Centre or by email at
contact-e@investorsgroup.com.
a) Ownership of Site - This Site is owned and operated by Investors Group.
© Investors Group Inc. All rights reserved. Except where expressly stated otherwise:
(i) this Site and all information which is available on this Site is the property of Investors Group, and is subject to the exclusive copyright held by Investors Group Inc.; and
(ii) unless otherwise specified, no person has permission to copy, redistribute, modify, reproduce or republish in any form any information found on this Site. This includes electronically reproducing by “uploading” or “downloading” or accessing onto the Internet or any other local or international computer system. Any infringement of the rights of Investors Group will result in appropriate legal action.
This Site contains names, words, titles, marks, logos, icons, trade names, brand names, designs, domain names or other content which may constitute registered or unregistered trademarks or service marks (which are collectively referred to in these Conditions of Use as “Trademarks”). The Trademarks are protected by Canadian and foreign trademark laws. All rights reserved. Trademarks are owned by IGM Financial Inc. and licensed to its subsidiary corporations, including Investors Group Inc., or are owned by third parties who have granted licences to Investors Group to use them. TMSolutions Banking is a trademark of Power Financial Corporation. Investors Group and design are trademarks owned by IGM Financial Inc. and licensed to its subsidiary corporations. National Bank of Canada is a licensed user of the Solutions Banking trademark.
You are hereby granted a limited licence to use, to display on your computer, to download and to print the text and images which are available on this Site, solely for non-commercial, personal or educational purposes provided that the contents of this Site are not modified in any way. This licence is personal to you, and may not be assigned, transferred or sub-licensed to any other person. Where any of the images or text on this Site are downloaded, copied, stored or printed they are still subject to these Conditions of Use and you will ensure that all copyright and trademark notices are retained. The contents of this Site may be changed at any time without notice to you. If you require further information on a permitted use or licence to reproduce or republish any material located on this Site, please contact the Corporate Communications department at the address found above.
This Site and its content may be used only for the limited purposes described in these Conditions of Use. You will not make or attempt to make any other use thereof. You will not abuse in any way this Site and you will not, and will not attempt to, modify this Site or any of its content, or disrupt or interfere with the availability or operation of this Site.
These Conditions of Use constitute a contract between the User and Investors Group, and Investors Group is entitled to rely upon and to enforce its terms.
The information, material and content posted on this Site are believed to be reliable when posted. Although best efforts are made to ensure accuracy, there is no guarantee that this information, material and content are accurate, complete or current at all times. Without limiting the generality of the foregoing, there may be typographical errors, or inaccurate or incomplete information resulting from Internet software and/or transmission problems.
If any errors are noticed on this Site or in the information which is accessible on this Site, you are requested to immediately advise Investors Group at the address set out above.
No endorsement or approval of any third parties, or their advice, opinions, information, products or services, is expressed or implied. Investors Group does not review or control, and is not responsible for, any information which is created or supplied by a third party.
This Site contains a number of links to Third Party Sites. In addition to these Conditions of Use, your use of Third Party Sites may be subject to the terms and conditions which have been posted on or are applicable to the Third Party Sites. The parties who own, maintain or control Third Party Sites are solely responsible for their content, and Investors Group assumes no responsibility for such content. Links to Third Party Sites are provided for convenience only, and are not to be construed as an endorsement or recommendation of the products, services, advice or information which may be available on them. Linking to Third Party Sites is at your own risk and Investors Group is not responsible or liable for any damages in connection with linking.
All information contained on this Site is provided “as is, where is” without any warranties of any kind. Investors Group and its affiliated corporations and their respective officers employees, agents and contractors make no representations and disclaim all express and implied warranties of any kind including representations, warranties or conditions regarding accuracy, timeliness, completeness, non-infringement, merchantability of fitness for a particular purpose, and assume no responsibility for the consequences of any errors or omissions.
As a User, you assume full responsibility for risk of loss or damage of any nature whatsoever arising from or in connection with use of this Site. You further agree that none of Investors Group, its affiliates, their respective officers, employees, agents and service providers shall be liable for any loss or damage of any nature whatsoever, arising out of or in connection with the use, or the inability to use, this Site or any Third Party Site, regardless of whether Investors Group has been notified of the possibility thereof, and including any claims whether or not foreseeable based on contract, tort, strict liability or other legal or equitable theory. Investors Group is not liable for any action or decision made by you in reliance on this Site or the information contained herein, or any unauthorized use or reproduction of this Site or the information herein.
As a User, you shall indemnify and save harmless Investors Group and its affiliates for all claims, liabilities, losses and expenses (including legal fees) arising from your use of this Site and/or violation of these Conditions of Use.
Investors Group Inc. and its subsidiaries (“Investors Group”) are committed to protecting the privacy of all personal information of clients that we collect and maintain in the course of carrying on our business. This privacy notice describes how we collect, hold, use and disclose your personal information when we do business with you. This notice is provided in compliance with the Personal Information Protection and Electronic Documents Act (Canada) and, where applicable, similar provincial privacy legislation. Please contact us through one of the means listed at the end of this notice if you have any questions.
The personal information collected about you for the purposes identified in this notice is held in our records and may be referred to as your “client file”. The personal information in your client file may include your name, address and telephone number, social insurance number, birth date, account holdings, and the name, address and social insurance number of your spouse and any beneficiaries. Depending on the investment products or service you request, additional personal information may be held in your client file. For example, if you have established a pre-authorized payment plan, your financial institution account number is also held in your client file.
When you complete an application form or otherwise open an account with Investors Group, you are providing personal information to Investors Group, including, where applicable, personal information concerning your spouse and beneficiary, in order to:
Investors Group collects this personal information, holds it in your client file, uses it, and, when needed, discloses it for the purposes identified in this notice.
Investors Group and its Consultants may collect, hold, and use the personal information in your client file, as well as collect personal information from and disclose personal information to its affiliates, its Consultants, a government authority or a self regulatory organization and to its service providers and suppliers, for the following purposes:
Investors Group may collect your personal information for the purposes identified in this notice from third parties such as other dealers, financial institutions with whom you have or have had dealings, credit bureaus, reporting agencies and from third parties who represent that they have the right to disclose the information.
Investors Group may transfer your personal information for the purposes identified in this notice to its service providers and suppliers, such as for account statement preparation and mailing, document imaging, and document storage. When Investors Group transfers personal information to its service providers or suppliers, we ensure by contractual means that the transferred personal information is used only for the purposes for which the service provider or supplier is retained. In the event our service providers or suppliers are located outside of Canada, the service providers or suppliers will be bound by, and personal information may be disclosed in accordance with, the laws of the jurisdiction in which the service providers or suppliers are located.
Investors Group may disclose your personal information to third parties where required by law, such as disclosure for tax purposes to the Canada Revenue Agency, or for the purposes identified above.
Investors Group may disclose your personal information for the purposes identified above to other companies owned by Investors Group Inc. and its subsidiary corporations. Members of the Investors Group family of companies include Investors Group Inc., Investors Group Financial Services Inc., Investors Group Trust Co. Ltd., Investors Group Securities Inc., I.G. Investment Management, Ltd., I.G. Insurance Services Inc. and any affiliate or successor company to each of them. The Investors Group family of companies is also affiliated with Mackenzie Financial Corporation, Investment Planning Counsel Inc., Great-West Lifeco Inc. and their respective subsidiary corporations.
Information sharing for the purposes identified above is a necessary part of our business and is required in order to make our products or services available to you and to service your account. If you wish to withdraw your consent to this information sharing or discuss the implications of such a withdrawal, please contact us through one of the means listed at the end of this notice. Note: If you withdraw your consent to the collection, use and disclosure of your information, then Investors Group may be unable to maintain your account or continue its relationship with you.
Investors Group is required by law to use your social insurance number when submitting tax reports to the Canada Revenue Agency and may provide it to third parties engaged to provide income tax reports. In addition, we may use your social insurance number to identify you where you have chosen to provide it to us for that purpose.
Investors Group employees, Consultants and agents may have access to your client file provided they have a specific need to know in connection with the purposes identified in this notice. Access is permitted only to the extent necessary for such purposes.
Your client file is kept in electronic and/or paper format primarily at the Investors Group Head Office in Winnipeg, Manitoba (or its Quebec General Office in Montreal, Quebec), although portions of it may also be kept at the at the office of your Consultant. A copy of your client file may be transferred to another location for disaster recovery purposes.
Under the Personal Information Protection and Electronic Documents Act (Canada) and, where applicable, similar provincial privacy legislation, you are entitled through a written request to a copy of the personal information contained in your client file. You may verify this personal information and request that any inaccurate information be corrected. Please contact us through one of the means listed at the end of this notice for any such requests. If your concerns have not been resolved to your satisfaction, you can then contact the Privacy Compliance Officer:
Investors Group
447 Portage Avenue,
Winnipeg, Manitoba,
R3C 3B6.
You may also send an email to privacy@investorsgroup.com.
Please inform Investors Group promptly of any change in your personal information by contacting your Consultant or us through one of the means listed at the end of this notice.
If you have any questions or concerns about the treatment of your personal information please take the following steps:
Corporate Compliance Department:
447 Portage Avenue
Winnipeg, Manitoba
R3C 3B6
For more information about privacy, you may contact the Office of the Privacy Commissioner of Canada or the Office of your provincial Privacy Commissioner if you are resident in Quebec, Alberta, or British Columbia as follows:
Nothing contained in this Site constitutes an offer to buy or sell products or services of Investors Group or any of its affiliates. All products and services are subject to the terms and conditions of any applicable applications, contracts, prospectuses and laws. Investors Group’s products and services and those of its affiliates are available only in Canada in those jurisdictions where they may be lawfully offered for sale. If you reside in Canada, further information about Investors Group products and services may be obtained by contacting an Investors Group Consultant or office.
Important information about any mutual fund is contained in its Simplified Prospectus, Annual Information Form, Fund Facts document and in its Management Report on Fund Performance. This includes the fund’s investment objective, purchase options and applicable charges. You can view a copy of these documents on this website, or at www.sedar.com. All mutual funds are sold by Prospectus. This Site should not be considered an offer to sell or a solicitation to buy any mutual fund or other products or services available from Investors Group.
Commissions, fees and expenses may be associated with mutual fund investments. Read the prospectus before investing. Mutual funds are not guaranteed, values change frequently and past performance may not be repeated.. The performance data provided assumes reinvestment of distributions only and does not take into accounts sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns. Mutual fund securities are not covered by the Canada Deposit Insurance Corporation or by any government deposit insurer.
In the case of managed asset programs (such as iProfile™), commissions, trailing commissions, management fees and expenses all may be associated with mutual fund or pool investments and the use of an asset allocation service such as iProfile. Please read the Prospectus of the mutual funds or pools in which investment may be made under the asset allocation service before investing. The indicated rate(s) of return is (are) the historical annual compounded total return(s) assuming the investment strategy recommended by the asset allocation service is used and after deduction of the fees and charges in respect of the service. The return(s) is (are) based on the historical annual compounded total returns of the participating funds including changes in units, value and reinvestment of all dividends or distributions and does (do) not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder in respect of a participating fund or pool that would have reduced returns. Mutual funds and pools are not guaranteed, their values change frequently and past performance may not be repeated.
In the case of money market funds, there can be no assurances that the fund will be able to maintain its net assets value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Past performance may not be repeated. Performance information for money market funds is an annualized historical yield based on the seven day period ended on the date shown where the performance information is posted (annualized in the case of effective yield by compounding the seven day return) and does not represent an actual one year return.
The value of units or shares of a mutual fund or of Investors Group Corporate Class Inc. are calculated as at the close of business each day (except for units in Investors Real Property Fund, which are calculated twice a month). Subject to any delays as described below, any such unit or share value (and the balances of any mutual fund or share accounts) are shown as of the close of business of the immediately preceding business day.
The availability of information regarding account balances or values, or transactions on those accounts, may be delayed by one or both of:
(i) delays in the processing and posting of instructions and orders given to Investors Group or to your Consultant; and
(ii) delays in the delivery to Investors Group of data (including the valuation of mutual funds, stocks, bonds and account balances).
As a User, you are cautioned as a result:
(iii) not to rely on the information which is accessible or viewed on this Site for making any financial or investment decisions, including the purchase, redemption or transfer of investments; and
(iv) to note the date indicated on this Site as of which the posted information is effective.
When homebuyers provide a down payment of less than 20% of the purchase price or appraised value of their property, Federally regulated lenders, including Investors Group Trust Co. Ltd., are required by the Government of Canada to obtain Mortgage Default Insurance. Mortgage Default Insurance protects the lender in the event the mortgage borrower defaults on the mortgage agreement. In most circumstances, “default” would imply the mortgage payments have not been made.
Mortgage Default Insurance helps to ensure the lender is able to recover the outstanding principal amount of the mortgage plus expenses from the sale of the foreclosed property. This type of insurance is provided to the lender by either the Canada Mortgage and Housing Corporation (CMHC) or Genworth Financial. It is not the type of insurance that protects the borrower against death, serious illness or disability.
The amount of insurance premium is determined by CMHC or Genworth based on a calculation of the percentage of the amount borrowed and other specific factors, including:
The Mortgage Default Insurance premiums will be charged to the borrower and can be paid as a lump sum or added to the mortgage balance.
Each mortgage insurer has its own criteria for evaluating the borrower and the property and decides whether or not a mortgage can be insured. There may be cases when a mortgage application is approved by a lender but declined by a mortgage insurer. If this happens, the lender will not be able to provide the loan unless another insurer is prepared to insure the mortgage.
Mortgages with at least a 20% down payment are not typically required to be insured, but there may be instances where it will be required by the lender.
The Fundlists feature available through this Site is provided and operated by globefund.com, a division of CTVglobemedia Publishing Inc. using globefund.com's facilities and resources. Access to the Fundlists, whether creating, amending or reviewing, is actually a hyperlink from this Site to globefund’s site, and all interaction with the Fundlists is taking place on that website.
The operation of a Fundlist necessarily involves the use of session cookies and the introduction by globefund.com of a persistent cookie on the hard drive of your computer so as to allow globefund.com to recognize your computer each time you access the Fundlist feature and so that your personal Fundlist may be displayed. The cookies introduced by globefund.com are unknown to and not accessible by Investors Group.
globefund.com is solely responsible for the operation, including the content, of the Fundlists features and pages. Information relating to the creation or maintenance of Fundlists, including the fact that someone has created a Fundlist and the information contained in that list, is in the possession of globefund.com and is not available to nor accessible by Investors Group. Investors Group has obtained assurances from globefund.com as to the confidentiality of all information which is provided through this Site, but no guarantee of such confidentiality is made by Investors Group.
Investors Group may terminate your access to this Site at any time without notice. If your access has been terminated and you have any questions, please contact Investors Group at the address designated above.
Investors Group does not warrant that this Site will be available and meet your requirements or that access to this Site will be uninterrupted. Interruptions of availability may occur at any time, without notice, including periods of unavailability required for maintenance or technical reasons.
This Site may be terminated at any time by Investors Group without notice.
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