THE INFORMATION ON THE WEB SITE IS INTENDED FOR RESIDENTS OF ONTARIO ONLY

Legal, Copyright and Trademark Information

Use of this Web site 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.

Limited license and use

SPECIALTY WEALTH & FINANCIAL INC. and those persons appointed to represent it, (the “Corporation”) grants 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 the Corporation 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.

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 SPECIALTY WEALTH & FINANCIAL INC. and those persons appointed to represent it, or any other appropriate professional advisor.

Nothing on this site constitutes an offer to buy or sell products or services of London Life, its affiliated companies or suppliers. All products and services are subject to the terms and conditions of any applicable contracts. London Life 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. The Corporations may only solicit the sale of financial products and services for which SPECIALTY WEALTH & FINANCIAL INC. and those persons appointed to represent it, 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 SPECIALTY WEALTH & FINANCIAL INC. conducts business and you agree to attorn to the jurisdiction of the courts of that province.


Privacy and Confidentiality

You acknowledge that SPECIALTY WEALTH & FINANCIAL INC. and those persons appointed to represent it, collects and uses personal information for purposes of providing the services contained on this site. SPECIALTY WEALTH & FINANCIAL INC. and those persons appointed to represent it, is committed to respecting the privacy and confidentiality of information in accordance with applicable law. SPECIALTY WEALTH & FINANCIAL INC. and those persons appointed to represent it, 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, SPECIALTY WEALTH & FINANCIAL INC. and those persons appointed to represent it, 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 SPECIALTY WEALTH & FINANCIAL INC. and those persons appointed to represent it, 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 the Corporation to execute any transactions directed thereunder. You agree to notify SPECIALTY WEALTH & FINANCIAL INC. and those persons appointed to represent it, immediately should the confidentiality of your user name and password be in jeopardy.

Cookies

Cookie

Purpose

More information

Google Analytics These cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited. Click here for an overview of privacy at Google
Google + When you are logged into Google + a number of cookies get set, this allows you to post 'share' articles on your wall. Additionally, only one cookie is set if you are NOT logged in to https://www.google.com/, marked with a *. Read more about Google's Privacy Policy
YouTube With the aid of YouTube we are able to display videos on our website. This allows us to give presentations/demonstrations in a 'video' format - making it easier for the need user. Read more about Google's Privacy Policy

How we use cookies

A cookie is a small file which asks permission to be placed on your computer's hard drive. The file is added and the cookie helps analyze web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer.


Copyright

This site has been developed by SPECIALTY WEALTH & FINANCIAL INC. and those persons appointed to represent it. The contents of this site are the property of SPECIALTY WEALTH & FINANCIAL INC. and those persons appointed to represent it, 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 SPECIALTY WEALTH & FINANCIAL INC. and those persons appointed to represent it. Any infringement of the rights of SPECIALTY WEALTH & FINANCIAL INC. and those persons appointed to represent it, may result in appropriate legal action.



General Disclaimer

The content of this site is provided solely for personal and educational purposes and for purposes of doing business with SPECIALTY WEALTH & FINANCIAL INC. and those persons appointed to represent it, 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, SPECIALTY WEALTH & FINANCIAL INC. and those persons appointed to represent it, does not guarantee, represent or warrant that the information contained on this site is accurate, complete, reliable, verified or error free.

SPECIALTY WEALTH & FINANCIAL INC. and those persons appointed to represent it, 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.

SPECIALTY WEALTH & FINANCIAL INC. and those persons appointed to represent it, 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.

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 SPECIALTY WEALTH & FINANCIAL INC. and those persons appointed to represent it, London Life or any of its affiliates, or any of their directors, officers, representatives, 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 SPECIALTY WEALTH & FINANCIAL INC. and those persons appointed to represent it, or for any direct, indirect, special or consequential damages, even if SPECIALTY WEALTH & FINANCIAL INC. and those persons appointed to represent it, 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.

This site contains links to other sites which sites are not maintained or controlled in any way by SPECIALTY WEALTH & FINANCIAL INC. and those persons appointed to represent it,. Such links are provided for convenience only and are not to be construed as an endorsement by SPECIALTY WEALTH & FINANCIAL INC. and those persons appointed to represent it,or any other party of the products, services, advice or opinions or any other content of such sites.