Privacy & legal notice
This Site, and all information and materials used in or made available through this Site (“Content”), are provided on an "as is" and "as available" basis, without any representations, warranties or conditions of any kind, whether expressed or implied, and including without limitation implied representations, warranties or conditions of title, non-infringement, merchantability, fitness for a particular purpose, performance, durability, availability, timeliness, accuracy, or completeness, all of which are hereby disclaimed by Cymbria to the fullest extent permitted by law. Cymbria will not under any circumstances be liable to you or any other person in any way for any loss or damages (direct, indirect, special, economic, incidental, consequential, punitive or exemplary, including without limitation loss of revenue, data, anticipated profits or lost business) in respect of use of, or inability to use, this Site, its Content or links (including without limitation any inaccuracies or viruses), or any Web browser or other equipment.
The information contained on the pages of this Site is subject to modification and update from time to time without notice. Cymbria does not guarantee or ensure either the accuracy, completeness, currency or authenticity of any Site Content, Site functionality, or your transmission of any Content from the Site to you.
When using this Site, it is up to you to take reasonable precautions to scan for computer viruses, worms, Trojan horses and other items of a destructive nature. It is also up to you to ensure that you have a complete and current backup of the information contained on your computer system prior to using this Site.
Certain aspects of the Site have been prepared by persons independent from Cymbria. Other websites that may be accessed from this Site by hypertext links are entirely independent of the Site. The inclusion of any site acknowledgments, identification of any person or entity in the Site, or any hypertext link to another website, person or entity shall not, in any manner, be construed as an endorsement of such person's or entity's website, products, services or contributions to the Site.
Other websites which may provide access to this Site by hypertext links are entirely independent of this Site. Any direction by a third party to this Site shall not, in any manner, be construed as an endorsement by Cymbria of such party’s website, products or services.
Links to other websites from this website are for convenience only. No endorsement of any independent third-party products, services or information is expressed or implied by any information, material or content of a third party contained in, referred to, included on, or linked from or to this website. Any information, data, opinions or recommendations provided by independent third parties through links to other websites or otherwise made available through this website are solely those of the independent third party and not of Cymbria or its affiliates.
Use of the site
The Site does not, and it is not intended to, provide any financial, insurance, legal, accounting or tax advice, and shall not be relied upon by you in that regard.
You acknowledge that past performance is not an indicator of future returns and that references to performance on this Site are provided as historical benchmarks only.
You are responsible for ensuring that you are appropriately informed about any securities, taxation or other legislation or law that could affect your investment decisions.
You agree that your use of the Site shall be on an "as is" basis entirely at your risk. Neither Cymbria, nor any of its affiliated companies, nor any officer, director, or employee thereof, nor any other person associated with the creation of the Site or its contents, nor any supplier, shall be liable or responsible to any person for any harm, loss or damage that may arise in any connection with your use of the Site, including without limitation any direct, indirect, special, third party or consequential damages. Without limiting the foregoing, Cymbria shall not be responsible for any detrimental reliance that you may place upon the Site or its contents whatsoever.
The Site is not, and shall not be used, or relied upon by you, as a substitute for your independent research or professional advice that is provided to you by a financial advisor.
Trademarks and copyrights
Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this Site may constitute trade names, trade-marks or service marks, registered or unregistered (“Trade-marks”) of Cymbria and its associates or affiliates, or of third parties and used under licence by Cymbria. Images, logos and pictures bearing the name or word Cymbria are Trade-marks of Cymbria or its affiliates and are protected by trade-mark and copyright laws in Canada and other countries. The display of Trade-marks on pages at this Site does not imply that any licence has been granted to any third party.
All information in this Site is protected under the copyright laws of Canada and other countries. Users of this Site shall be entitled to copy any information for their own personal use but may not republish or reproduce any such information in any manner, including electronic reproduction by “uploading” or “downloading”, without the prior written consent of Cymbria or its affiliates. Otherwise, no one has permission to copy, redistribute, reproduce or republish, in any form, any information found in the pages of this Site. Any product, process or technology described in the Site may be the subject of other intellectual property rights reserved by Cymbria or its licensors, and are not licensed hereunder.
Any unauthorized downloading, retransmission, or other copying or modification of Trade-marks or other Contents may be a violation of statutory or common law rights which could subject the violator to legal action.
This Site and its Contents should not be considered an offer to sell or a solicitation to buy securities to any person residing in the United States of America or in any other jurisdiction in which such an offer or solicitation is unlawful, or to any other person to whom it is unlawful to make a solicitation. Investment products managed by Cymbria will not be sold to any person unless such sales are permitted under the laws of the applicable jurisdiction. Cymbria is not engaging in or holding itself as engaging in the business of advising others as to the investing in or buying or selling of securities in any jurisdiction where it would be unlawful for it to do so. Investors should contact their financial advisors for further details.
The privacy and authenticity of any information or instructions communicated over the internet cannot be ensured by Cymbria. Cymbria discourages you from using e-mail for sending confidential or sensitive information. If you send e-mail to Cymbria over the internet, you assume the risks of lack of confidentiality and Cymbria will not be responsible or liable for any resulting loss or damage.
Certain statements contained in the Site may contain forward-looking statements. These statements consist of views respecting future events or conditions, such as economic or market conditions or company performance, based on assumptions which may cause actual results to differ materially from those expressed by the forward looking statement. As a result, these statements would typically include words such as “anticipates, believes, intended or estimated.” Factors which could cause such differences are numerous and could include economic, market and political conditions, regulation and changes in legislation, competition, demographics and technological change. Cymbria disclaims any intention or obligation to update or revise any forward-looking statements, whether as a result of new information, future developments or otherwise.
All information submitted to Cymbria and its affiliates by you through this Site may be used by Cymbria and its affiliates to market to you any of its products and services, and for this purpose you authorize us to disclose the information you provide to us to our agents, dealers and their affiliates.
Termination of use
Cymbria may restrict, suspend or terminate your access to, and use of, all or any part of the Cymbria website for any reason at any time in Cymbria’s absolute discretion and without prior notice or liability.
This agreement shall be governed by and construed in accordance with the laws of the province of Ontario and the federal laws of Canada applicable therein. You 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.
If any provision of these terms and conditions is invalid or unenforceable under applicable law, then the invalid or unenforceable terms and conditions shall be, to the extent necessary, deemed omitted and the remaining provisions will continue in full force and effect.
Unless specifically provided herein (and subject to the terms of any other written agreement that you have with Cymbria) these terms and conditions constitute the entire agreement between you and Cymbria with respect to your use of this Site. There are no representations, warranties, conditions or other agreements, express or implied, statutory or otherwise, between the parties in connection with the use of this Site except as specifically set forth herein.
Cymbria maintains policies and procedures in accordance with the provincial regulations of Alberta, British Columbia and Quebec, with respect to unclaimed property. Generally, property is deemed to be "unclaimed" if mail and cheques have been returned to us and we have been unable to locate the investor for a three-year period or longer. Cymbria makes all reasonable efforts to locate and notify owners of their unclaimed property by contacting their financial advisor and/or writing to the owner at their last known address. Cymbria maintains a list of owners of unclaimed property who we have been unable to contact.
If you are or have been a resident of Alberta, British Columbia or Quebec, and would like to make an inquiry on unclaimed property, please contact our head office at 1.866.757.7207 or via e-mail at email@example.com.
What information do we collect? And how do we use it?
We collect the information you provide to us on account application forms, paper or electronic instructions, and telephone instructions from you and/or your financial advisor. This information may include your:
Name and address
Social Insurance Number
Financial advisor information
Telephone and e-mail
Date of birth
How do we use your personal information?
We limit the collection, use, retention and disclosure of your personal information to that which is permitted or required by law, or that which is reasonably necessary. We may use your personal information for these stated purposes:
Establishing your account
Administering your account
Executing your transactions
Communicating with you
Ensuring our records are accurate
Providing transaction confirmations
Providing financial statements
Issuing tax slips and proxy mailings
Contacting your financial advisor
Legal and regulatory requirements
Only Cymbria employees with a business need to know, or whose duties reasonably require it, are granted access to your information. We also share your information with third-party services providers to maintain your account(s). We do not sell, rent or otherwise market your personal information.
When is information disclosed to third parties?
Your financial advisor/investment dealer
Third parties who provide services such as account statement preparation and mailing for us
Financial Institutions and securities dealers when necessary to carry out your instructions, such as automatic deposits or withdrawals
Governments, government agencies, regulators or others for whom we are legally obliged to provide information
Entities to which we are legally obliged to provide information
How do we protect your information?
We maintain physical, procedural and electronic controls appropriate to the sensitivity of your information, to protect it against risks such as loss or theft, unauthorized access, disclosure, copying, use, modification or destruction. These safeguards include secure office premises for authorized employees only, secure networks, and secure databases. We protect your personal information disclosed to third parties by ensuring that such parties have policies in place to protect the confidentiality of the information.
Accessing and updating your information
You may access the personal information we hold about you at any time by advising us in writing that you wish to do so. We may be unable to provide you with some information in certain circumstances, such as if the information also refers to other individuals, is subject to legal privilege, contains confidential information or is otherwise permitted or restricted by law. If we are unable to provide you with access to your personal information, we will give you an explanation. If you wish to advise us of any change in your personal information, or if you believe the information we have is inaccurate or incomplete, please contact us at 1.866.757.7207.
Questions or concerns?