<p>Use of this website is governed by the following terms and conditions which are subject to change without notice to you. Please read them carefully before using this site.</p>
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<p><strong>Limited license and use</strong></p>
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<p>Steve Cox grant you a limited license to display the contents of this site on your computer and print, download and use the materials on this site solely for personal or educational purposes and for purposes of doing business with Steve Cox, provided that the contents of the site are not modified in any way and that all copyright and other notices are maintained. You agree not to, or allow others to, directly or indirectly, attempt or actually disrupt, impair or interfere with, alter or modify this site or any of its content. You agree not to, or allow others to, directly or indirectly, collect or attempt to collect any information about others, including passwords, account or other information. In order to use this site, you must have attained the minimum prescribed age in the jurisdiction in which you are resident to contract for the products and services.</p>
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<p>This site is for general information purposes only and is not intended to provide you with any personalized financial, insurance, legal, accounting, tax or other professional advice. You will not rely on this site as a substitute for independent research or for personal advice from a financial security advisor of Steve Cox or any other appropriate professional advisor.</p>
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<p>Nothing on this site constitutes an offer to buy or sell products or services of Desjardins Financial Security Investments Inc., Desjardins Financial Security Independent Network, its affiliated companies or suppliers. All products and services are subject to the terms and conditions of any applicable contracts. Desjardins Financial Security Independent Network products and services, Desjardins Financial Security Investments Inc. products and services and those of third-parties which may be referred to on this site are available only in jurisdictions where they may be lawfully offered for sale in Canada. Steve Cox may only solicit the sale of financial products and services for which Steve Cox has been duly licensed in the jurisdiction in which the sale occurs. The use and content of this site, and the terms and conditions contained herein, shall be governed by the laws of the province in which Steve Cox resides and you agree to attorn to the jurisdiction of the courts of that province.</p>
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<p><strong>Privacy and Confidentiality</strong></p>
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<p>You acknowledge that Steve Cox collects and uses personal information for purposes of providing the services contained on this site. Steve Cox is committed to respecting the privacy and confidentiality of information in accordance with applicable law. Steve Cox has established and will continue to maintain appropriate safeguards to protect the security and confidentiality of personal information. However, you acknowledge and confirm that the Internet is not a secure medium where privacy and confidentiality can be guaranteed and that complete security and confidentiality of transmissions to and from this site over the Internet is not possible at this time. Your confidential use of the site cannot be guaranteed and you acknowledge that your use of the site (including information you transmit to the site) may be subject to access or manipulation by, or disclosure to, third-parties. Without limiting any other disclaimer herein, Steve Cox shall not be responsible or liable for any damages that you or any other person may suffer in connection with any such breach of privacy, confidentiality or security. If you are provided with a user name and password to access any part of this site, you agree to be liable for all uses of your user name and password, including unauthorized use without your consent and you acknowledge that Steve Cox shall not be responsible to confirm the actual identity or authority of any user. Instructions provided pursuant to such user name and password shall constitute sufficient authority to Steve Cox to execute any transactions directed thereunder. You agree to notify your financial security advisor immediately should the confidentiality of your user name and password be in jeopardy.</p>
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<p><strong>Email security</strong></p>
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<p>The security of e-mail communication cannot be guaranteed at this time. Any person wishing to communicate or send information of a private or confidential nature to Steve Cox is encouraged to do so by other means.</p>
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<p><strong>Copyright</strong></p>
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<p>This site has been developed by Steve Cox. The contents of this site are the property of Steve Cox and third-parties whose information or materials are contained on the site. All information and materials contained on this site are protected by copyright, trademark and other intellectual property laws of Canada and other countries. Subject to the limited license to use this site as described above, no person may copy, redistribute, reproduce or republish in any form, or link to this site or its contents in any manner whatsoever, including by way of hyperlinks or framing, unless that person has obtained the prior written consent of Steve Cox. Any infringement of the rights of Steve Cox may result in appropriate legal action.</p>
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<p><strong>Trademarks</strong></p>
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<p>Steve Cox owns or has obtained the right to use by license or otherwise the trademarks used on or in connection with the goods and services provided. The trademarks are protected by Canadian and foreign trademark laws. All rights reserved. The display of trademarks on this site shall not in any way be construed as an implied license to use such trademarks.</p>
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<p>These trademarks may include, without limitation, Desjardins Financial Security Investments Inc. logo and branding, and trademarks of Desjardins Financial Security Independent Network and other registered and unregistered trademarks of Desjardins Financial Security Independent Network and other third-parties.</p>
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<p><strong>Desjardins Financial Security Investments Inc. presentation:</strong></p>
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<p>Desjardins Financial Security Investments Inc. (DFS Investments) is a corporate body separate and apart from Desjardins Insurance(1).</p>
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<p>DFS Investments is a mutual fund dealer registered in every Canadian province and territory and an exempt market dealer registered in Quebec. It is also registered in every Canadian province and territory for the distribution of insurance products. DFS Investments' advisors may be qualified to provide advice on mutual funds, exempt market products and other investments products, among other things.</p>
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<p>In Québec, DFS Investments is also registered as a restricted dealer, a group insurance of persons and a financial planning firm.</p>
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<p>Unless otherwise indicated, investments in products distributed by DFS Investments are not insured, in whole or in part, by the Canada Deposit Insurance Corporation or by another public deposit insurance fund, as the case may be, nor are they guaranteed, in whole or in part, by Desjardins Insurance1, and their value is subject to market fluctuations.</p>
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<p>(1) Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company, a provider of life and health insurance and retirement savings products.</p>
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<p><strong>General disclaimer</strong></p>
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<p>- The content of this site is provided solely for personal and educational purposes and for purposes of doing business with Steve Cox and is subject to modification without notice to you. While information posted on this site is believed to be reliable and accurate at the time of posting, Steve Cox does not guarantee, represent or warrant that the information contained on this site is accurate, complete, reliable, verified or error free.</p>
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<p>- Steve Cox makes no express or implied representations or warranties regarding the usability or condition of this site, that this site will operate uninterrupted or error free, or that this site will operate in combination with any services or software used in connection therewith or that it shall be viewed consistently with all browser software or that any communication transmitted to or from this site is private, confidential or secure.</p>
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<p>- STEVE COX EXPRESSLY DISCLAIMS ALL REPRESENTATIONS, WARRANTIES OR CONDITIONS, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, WITHOUT LIMITATION, THE WARRANTIES AND CONDITIONS OF MERCHANTABLE QUALITY AND FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, COMPATIBILITY, TIMELINESS, SECURITY OR ACCURACY, AND ANY REPRESENTATIONS, WARRANTIES OR CONDITIONS THAT MAY ARISE FROM A COURSE OF DEALING OR USAGE OF TRADE.</p>
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<p>- YOU ASSUME FULL RESPONSIBILITY FOR RISK OF LOSS OF ANY NATURE WHATSOEVER RESULTING FROM YOUR USE OF THIS SITE. Without limiting the generality of the foregoing, you acknowledge and agree that none of the Steve Cox, Desjardins Financial Security Investments Inc., Desjardins Financial Security Independent Network or any of its affiliates, or any of their directors, officers, employees or agents shall be liable to you for loss of data, computer time or any loss or damage of any nature whatsoever arising out of or attributable in any manner whatsoever to your use or inability to use this site for any reason whatsoever or to any action or inaction on the part of Steve Cox or for any direct, indirect, special or consequential damages, even if Steve Cox has been advised of the possibility thereof, including but not limited to lost profits, lost opportunities or business revenues, loss of goodwill, or failure to realize expected savings.</p>
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<p>- This site contains links to other sites which sites are not maintained or controlled in any way by Steve Cox. Such links are provided for convenience only and are not to be construed as an endorsement by Steve Cox or any other party of the products, services, advice or opinions or any other content of such sites.</p>
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<p><strong>More information</strong></p>
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<p>For more information concerning the terms and conditions of use of this site or to request the authorization to reproduce or distribute the content of this site or any part thereof, please contact your financial security advisor.</p>
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<p><strong>Legal Disclaimer</strong></p>
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<p>THIS SITE IS NOT THE PROPERTY OF DESJARDINS INSURANCE(1) OR DESJARDINS FINANCIAL SECURITY INDEPENDENT NETWORK. THEY DO NOT HAVE ANY CONTROL OVER THE CONTENT OR THE USE OF THE SITE.</p>
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<p>DESJARDINS INSURANCE(1) AND DESJARDINS FINANCIAL SECURITY INDEPENDENT NETWORK SHALL NOT BE LIABLE OR RESPONSIBLE TO ANY PERSON FOR ANY HARM, LOSS OR DAMAGE (WHETHER ARISING IN CONTRACT, TORT, NEGLIGENCE OR OTHERWISE) THAT MAY ARISE DIRECTLY OR INDIRECTLY FROM THIS SITE, THE USE, INABILITY TO USE, OR MALFUNCTIONING OF THIS SITE OR THE INFORMATION CONTAINED HEREIN, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, THIRD PARTY OR CONSEQUENTIAL DAMAGES.</p>
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<p>THIS SITE IS NOT THE PROPERTY OF DESJARDINS INSURANCE(1) AND DESJARDINS FINANCIAL SECURITY INVESTMENTS INC. (DFS INVESTMENTS). DFS INVESTMENTS HAS CONTROL OVER THE CONTENT OF THIS SITE BY THEIR REVIEW OF THE INFORMATION PROVIDED IN ACCORDANCE WITH ITS POLICIES AND PROCEDURES. DFS INVESTMENTS IS NOT RESPONSIBLE FOR THE CONTENT IN THIS WEBSITE THAT IS UNRELATED TO THE BUSINESS OF DFS INVESTMENTS NOR IS IT RESPONSIBLE FOR THE MONITORING OR SUPERVISION OF THESE OTHER BUSINESS ACTIVITIES.</p>
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<p>(1) DESJARDINS INSURANCE REFERS TO DESJARDINS FINANCIAL SECURITY LIFE ASSURANCE COMPANY, A PROVIDER OF LIFE AND HEALTH INSURANCE AND RETIREMENT SAVINGS PRODUCTS.</p>
