DISCLAIMER & PRIVACY POLICY

DISCLAIMER

We are obligated to inform you that the product descriptions and information that follow are intended for informational purposes only and are not to be considered as a solicitation to purchase any security or insurance product. The information contained here-in is not intended, nor should it be relied upon to replace specific professional advice. It is recommended that all visitors to our site consult with their professional advisor prior to making any investment or insurance decision addressed on this site. Information contained on this Website is believed to be accurate and reliable. However, we cannot guarantee that it is accurate, complete or current at all times. The information provided is subject to change without notice and IPG and its affiliate companies cannot be held liable for any loss arising from any use of or reliance on the information contained on this Website.

Mutual funds identified at this site are offered for sale by salespersons who have obtained licensing in one or more of the following Canadian jurisdictions; Ontario, Quebec, Newfoundland, Prince Edward Island, Nova Scotia, New Brunswick, Manitoba, Saskatchewan, Alberta and British Columbia through mutual fund dealer Independent Planning Group Inc. Prospective investors who are not resident in Canada should consult with their financial advisor to determine whether these products and services may be lawfully sold in their jurisdiction. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Important information about any mutual fund is contained in its simplified prospectus. You can obtain a copy from your Independent Planning Group representative or contact our office by calling 1-800-565-9219. Please read it carefully before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. All rates of return are historical compounded rates of return.

As a condition of use of this Website you agree to indemnify IPG, its affiliated companies and its officers, directors and employees for any and all claims, losses, liabilities and expenses, including, but not limited to legal fees, arising from any use of this Website or your violation of the Legal Notices.

Certain names, words, titles, phrases, logos, icons, graphics or designs or other content in the pages of this Website may constitute trade names, registered or unregistered trademarks or service marks (collectively, the “trademarks”) of IPG and its affiliate companies or of third parties and are used under license by IPG and its affiliate companies. However, the display of the trademarks on this Website does not imply that a license has been granted to any third party. All goodwill generated from the use of the trademarks on any Website will endure to IPG and its affiliate’s benefit.

All information on this Website is protected under the copyright laws of Canada and other countries. The information is for your personal, educational and non-commercial use only and may be used and reproduced provided that it is not modified and that you maintain all copyright and other notices contained in the Website. The contents of the Website may not be otherwise used, copied, redistributed, reproduced, republished, stored in any medium, retransmitted, modified or broadcasted, in any form. Nothing in this document shall be construed as conferring any right or license under any copyright of IPG and its affiliate companies or any other person who owns the copyright in the content provided on our Website. IPG and its affiliate companies will disclaim any and all liability that may result from any unauthorized reproduction or use of the information from this Website. Any unauthorized downloading, retransmission, or other copying or modification of trademarks and/or the contents of this Website may be a violation of any federal or other law that may apply to trademarks and/or copyrights and could subject the violator to legal action.

You acknowledge and agree that IPG and its affiliate companies may restrict, suspend or terminate your access to, and use of all or any part of this Website, including any links to third party websites at any time with or without cause including, without limitation, any breach of the terms of the Legal Notices set out herein, in IPG and its affiliate’s absolute discretion and without prior notice or liability.

PRIVACY POLICY

* This is a working document and policies are subject to change without notice.

Ten interrelated principles form the basis of IPG’s Privacy Policy:

1. Accountability
   IPG is responsible for personal information under its control and shall designate an individual or individuals who are accountable for compliance with privacy principles.
2. Identifying Purposes
   The purpose(s) for which personal information is collected from all clients shall be identified at or before the time the information is collected.
3. Consent
   The knowledge and consent of the client are required for the collection, use, or disclosure of personal information, except for legal or security reasons.
4. Limiting Collection
   The collection of personal information shall be limited to that which is necessary for the purposes identified. Information shall be collected by fair and lawful means.
5. Limiting Use, Disclosure and Retention
   Personal information shall not be used or disclosed for purposes other than those for which it was collected, except with the consent of the client or as required by law. Personal information shall be retained only as long as necessary for the fulfillment of those purposes.
6. Accuracy
   Personal information shall be as accurate, complete, and up-to-date as is necessary for the purposes for which it is to be used.
7. Safeguards
   Personal information shall be protected by security safeguards appropriate to the sensitivity of the information. All client information/files should remain in a secure location at all times.
8. Openness
   IPG and its representatives shall make readily available to all clients specific information about its policies and practices relating to the management of personal information.
9. Client Access
   Upon request, a client shall be informed of the existence, use, and disclosure of his or her personal information and shall be given access to that information. A client shall be able to challenge the accuracy and completeness of the information and have it amended as appropriate.
10. Challenging Compliance
    A client shall be able to address a challenge concerning compliance with the above principles to the designated individual or individuals accountable at IPG for compliance with this Privacy Policy.

IPG’S PRIVACY POLICY – A GUIDE FOR MUTUAL FUND & INSURANCE CLIENTS

* All references made to “Independent Planning Group Inc or IPG Insurance Inc.” (IPG) includes: all IPG officers & directors, managers, employees, registered representatives, insurance agents, advisors, associates (and their employees).

1. CLIENT RECORD AND PERSONAL INFORMATION: The personal information collected about you for the purposes identified in Independent Planning Group Inc.’s Privacy Policy is held in a record called the “client record”. The personal information collected may include (but is not limited to) your name, address and telephone number, employer name, address and telephone number, social insurance number, birth date, income and net worth, account holdings, the name, address, and birth date of your spouse or beneficiary, and medical/health information (insurance applications).

2. PURPOSE FOR COLLECTING PERSONAL INFORMATION: When you complete account documentation such as a New Client Application Form, an Independent Planning Group Inc. Know-Your-Client Form (KYC Form), Independent Planning Group Inc. Account Change or New Investment Application Form, insurance company application form or fund company application form, you are providing personal information and thereby providing consent to collect, hold, disclose and use personal information to Independent Planning Group Inc. and/or IPG Insurance, including, where applicable, information concerning your spouse and beneficiary in order to:

1. open a new insurance or investment account with Independent Planning Group Inc., IPG Insurance, mutual fund company, insurance company;
2. assist your mutual fund advisor or life insurance agent in creating a financial plan for you;
3. make a new investment or contribute to an existing investment;
4. redeem monies from an existing investment;
5. apply for additional insurance coverage or amend existing insurance coverage.

Each company with whom you open an account collects this personal information, holds it in your client record, uses it and, when needed, discloses if for the purposes identified in this Privacy Policy. Personal information may also be collected by your financial advisor, life insurance agent and/or one of their employees for the purposes stated in this section.

3. COLLECTING, HOLDING, USING AND DISCLOSING PERSONAL INFORMATION IN YOUR CLIENT RECORD: Independent Planning Group Inc., IPG Insurance, or one of its mutual fund advisors, life insurance agents (or one of their employees) may collect, hold and use the personal information in your client record as well as collect personal information from or disclose your personal information to third parties identified in section 4 for the following purposes:

1. identifying you and ensuring the accuracy of information contained in your client record;
2. assisting your financial advisor or insurance agent in determining the suitability of your investments or life policy;
3. assisting a mutual fund company or life insurance company with establishing and administering your account;
4. facilitating a transaction with a mutual fund company or insurance company;
5. fixing errors on your accounts at Independent Planning Group Inc., a mutual fund company or an insurance company;
6. providing you and your financial advisor or insurance agent with investment account statements, life insurance policy details, transaction confirmations and other information which you or your financial advisor or insurance agent may request as needed to service your accounts;
7. meeting legal and regulatory requirements;
8. verifying information you have previously given to any other organizations when necessary for the purposes provided in this Privacy Policy.

4. THIRD PARTIES: Independent Planning Group Inc., IPG Insurance, or one of its mutual fund advisors, life insurance agents (or one of their employees) may disclose your personal information for the purposes identified in this Privacy Policy to third parties such as other financial institutions, mutual fund companies, insurance companies, paramedical companies or any related administrative firms which whom you require service, Canadian government and government agencies such as the Canada Customs and Revenue Agency, regulatory bodies such as the provincial securities commission and Financial Services Commission of Ontario, self regulatory bodies such as the Mutual Fund Dealers Association and any legal authority. If you wish to withdraw consent to the continuation of this information sharing or discuss the implications of such withdrawal, please call 1-800-565-9219 and ask for the Privacy Officer. In some circumstances, legal requirements may prevent you from withholding consent. Your decision to withhold consent may also limit the products and services that Independent Planning Group Inc. and your financial advisor or insurance agent is able to provide you because the disclosure to third parties is a necessary part of making the product or service available to you.

5. EMPLOYEES WHO HAVE ACCESS TO YOUR CLIENT RECORD: Employees of Independent Planning Group Inc., IPG Insurance, or one of its mutual fund advisors, life insurance agents (or one of their employees) may have access to your client record provided they have a specific need to know in connection with the purposes identified in this Privacy Policy and access is permitted only to the extent necessary for such purposes.

6. LOCATION OF CLIENT RECORD: Your client record may be kept in electronic format at Independent Planning Group Inc., IPG Insurance, or one of its mutual fund advisor or life insurance agent’s offices. Paper records forming part of your client record may be kept at Independent Planning Group Inc., at one of several branch offices of Independent Planning Group Inc., and/or at a related mutual fund company or life insurance company. Client records may also be kept in offsite storage and these may be transferred to other locations for disaster recovery purposes.

7. RIGHT TO ACCESS AND AMEND PERSONAL INFORMATION RECORDS: Except in limited circumstances prescribed by the Protection of Personal Information and Electronic Documents Act and similar provincial privacy protection legislation, you are entitled to access, through a written request, the personal information contained in your client record. Please contact your advisor or life insurance agent to obtain personal information in your client record. You may verify this information and request that any inaccurate information be corrected.

8. CHANGES TO YOUR PERSONAL INFORMATION: Please inform Independent Planning Group Inc., IPG Insurance Inc., your mutual fund advisor or life insurance agent of any change in the personal information that you have provided by contacting your financial advisor or insurance agent at the phone number or email address that he/she has provided to you.