Terms and Conditions

Web Site Content
The information on this web site is subject to change without notice and GIC Financial Services Inc will not be held liable for any inaccuracies in the information provided. It is neither intended to provide a complete diversified investment program nor specific individual advice including, but not limited to, investment, financial, legal, accounting, or tax advice. Please contact a personal advisor on your particular circumstances.

This web site and its contents does not constitute an offer or solicitation by anyone in the United States or any other jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation. Prospective investors who are not resident in Canada should consult their advisor to determine if the product and conditions may be lawfully sold or are applicable in their jurisdiction.

Mutual Funds
As with any investment, there are risks to investing in mutual funds. There is no assurance that any mutual fund will achieve its investment objective, and its net asset value, yield, and investment return will fluctuate from time to time with market conditions. Investors may experience a gain or loss when they sell their units or shares in any mutual fund. Mutual funds are not guaranteed and are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. The performance data provided assumes reinvestment of distributions only, and does not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns. There can be no assurance that the Fund will be able to maintain its net asset value per security at a constant amount and past performance may not be repeated.

Internet Email
E-mail over the internet is not a secure medium and privacy cannot be assured. E-mail communication is not confidential, subject to possible interception or loss, and is also subject to possible alteration. Neither GIC Financial Services nor its affiliates are responsible for and will not be liable to you or anyone else for any harm or damages in connection with an e-mail containing personal or confidential information sent by you to GIC Financial Services or an e-mail by GIC Financial Services to you at your request.

Third Party Links
Links to other websites and references to third parties' calculators, goods or services are not endorsements or approval of such sites, goods or services, and are meant for convenience only. Linking to another website is at your sole risk and GIC Financial Services will not be held responsible or liable for any damages in connection with linking to such third-party websites.

Copyright Policy
The contents of GIC Financial Services Inc website is protected by applicable copyright laws. Unauthorized downloading, re-transmission, storage in any medium, copying, redistribution, reproduction, or republication for any purpose is strictly prohibited.

Disclaimer of liability
GIC Financial Services Inc is not responsible in any way for any damages (direct, indirect, special, incidental, economic, or consequential, exemplary or punitive) in respect of or in connection with the use or inability to use GIC Financial Service's website, the information, or any action or decision made by you or anyone else in reliance on the website or the information, or any unauthorized use or reproduction of the website or the information.

Governing Law and Forum
This website and its terms are governed by the laws applicable in the Province of Ontario, Canada. All disputes arising from these terms must be resolved exclusively by the courts of the Province of Ontario.

Damages and Viruses
GIC Financial Services Inc shall not be responsible or liable for any damages incurred to computer equipment or other types of equipment used nor for viruses that may infect the former due to the access and use of this website or the downloading of any document or materials of this website.

Errors and Omissions
GIC Financial Services Inc may change or update the information contained in this website without notice including changes or modifications relative to the products described herein. This website may contain certain grammatical errors as well as technical discrepancies.