Disclaimers

Investment Disclaimer

The information contained herein is for Ontario residents only and does not constitute an offer to sell or solicit sales in any other Canadian or foreign jurisdictions.

Legal, copyright and trademark information

Use of this website is governed by the following terms and conditions which are subject to change without notice to you, so we recommend that you review them regularly. Please read them carefully before using this website, as by using this website you will be deemed to have agreed to them. If you do not agree with these terms and conditions, do not use this website.

Limited license and use

HGI and Company grants you a limited license to display the contents of this website on your computer or other electronic device you use to access this website, and to print, download and use the materials on this website solely for personal or informational purposes and for purposes of doing business with HGI and Company, provided that the contents of the website 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 website 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 website, you must have attained the minimum prescribed age in the jurisdiction in which you are resident to contract for the products and services.

This website 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 website as a substitute for independent research or for personal advice from a financial security advisor of HGI and Company or any other appropriate professional advisor.

Nothing on this website constitutes an offer to buy or sell products or services of The Canada Life Assurance Company, its affiliated companies or suppliers, or any third party. All products and services are subject to the terms and conditions of any applicable contracts and applicable laws. Products and services of The Canada Life Assurance Company and its affiliated companies and those of third parties which may be referred to on this website are available only in jurisdictions where they may be lawfully offered for sale in Canada. HGI and Companys may only solicit the sale of financial products and services for which HGI and Company has been duly licensed in the jurisdiction in which the sale occurs.

The use and content of this website, including the terms and conditions of use , shall be governed by the laws of the Province of Ontario and you agree to attorn to the jurisdiction of the courts of the Province of Ontario.

If you are accessing this website on behalf of another party, you confirm you are authorized to do so, and agree you shall be liable and will indemnify and hold harmless HGI and Company, its affiliates, and each of their respective directors, officers, employees and agents, in the event the party you are acting on behalf of claims you did not have such authority or the information you submitted was inaccurate.

No endorsement or approval of any third party or their statements, opinions, information, products, or services is expressed or implied by the contents of this website. To the extent any third party opinions or information are included on this website, they are provided for convenience only and HGI and Company assumes no liability and does not approve or endorse such third party content, or warrant such content to be accurate, complete, reliable, verified, error free, or fit for any purpose.

HGI and Company may utilize third party service providers to provide certain tools and/or programs, some of which may be housed on a third party server or on a website which has been independently developed by others. As such, while accessing this website you may be linked to such other third party servers. Access to other websites or use of any third party tools or programs on this website are subject to all terms and conditions found therein.

Availability

This website, in whole or in part, may periodically be unavailable to you in order to allow for maintenance or updates, or due to other causes, including causes beyond the control of HGI and Company. Further, any or all of the services on this website may change at any time, with or without notice to you.

Privacy and Confidentiality

You acknowledge that HGI and Company may collect, use and disclose your personal information for purposes of providing the products and services contained on this website. HGI and Company is committed to respecting the privacy and confidentiality of information in accordance with applicable law. HGI and Company 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 website over the Internet is not possible at this time. Your confidential use of the website cannot be guaranteed and you acknowledge that your use of the website (including information you transmit to the website) may be subject to access or manipulation by, or disclosure to, third parties. Without limiting any other disclaimer herein, HGI and Company 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 website, you agree to be liable for all uses of your user name and password, including unauthorized use without your consent and you acknowledge that HGI and Company 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 HGI and Company to execute any transactions directed thereunder. You agree to notify HGI and Company immediately should the confidentiality of your user name and password be in jeopardy.

E-mail security

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 HGI and Company is encouraged to do so by other means.

Copyright

This website has been developed by HGI and Company. The contents of this website are the property of HGI and Company and third parties whose information or materials are contained on the website. All information and materials contained on this website are protected by copyright, trademark and/or other intellectual property laws of Canada and other countries, and are the property of their respective owner(s). Subject to the limited license to use this website as described above, no person may copy, redistribute, reproduce or republish in any form, or link to this website or its contents in any manner whatsoever, including by way of hyperlinks or framing, unless that person has obtained the prior written consent of HGI and Company. Any infringement of the rights of HGI and Company may result in appropriate legal action.

Trademarks

HGI and Company owns or has obtained the right to use by license or otherwise the trademarks, logos and domain names used on or in connection with the goods and services that it provides and displays on this website. The trademarks are protected by Canadian and foreign trademark laws. All rights reserved. The display of trademarks on this website shall not in any way be construed as an implied license to use such trademarks.

General disclaimer

While information posted on this website is believed to be reliable and accurate at the time of posting, HGI and Company does not guarantee, represent or warrant that the information contained on this website is accurate, complete, reliable, verified, error free or fit for any purpose.

Nothing on this website forms a contract, or a part of any contract, other than as it relates to the use of this website or as may be expressly provided. In the event of a conflict between the information contained on this website and the terms contained in any product or service offered by HGI and Company, The Canada Life Assurance Company, or a third party, the terms contained in any document detailing such product or service will prevail. Neither HGI and Company, nor any third party, make any express or implied representations or warranties regarding the usability or condition of this website, that this website will operate uninterrupted or error free, or that this website 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 website is private, confidential or secure.

HGI and Company 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 WEBSITE. Without limiting the generality of the foregoing, you acknowledge and agree that none of HGI and Company, The Canada Life Assurance Company or any of its affiliates, or any third party, 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 website for any reason whatsoever or to any action or inaction on the part of HGI and Company or for any direct, indirect, special or consequential damages, even if HGI and Company 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 website contains links to or may be accessed from other websites which websites are not maintained or controlled in any way by HGI and Company. HGI and Company does not control and is not responsible for any of these websites or their content. Such links are provided for convenience only and are not to be construed as an endorsement by HGI and Company or any other party of the products, services, advice or opinions or any other content of such websites. Access or use of websites to which links are provided and of websites that link to this website are subject to the terms and conditions of such websites. You are fully responsible for any use that you make of the content contained on such websites and you are solely responsible for the consequences of any use of or reliance on such content.

HGI and Company provides you with access to this website through the networks of third party telecommunications providers and through other suppliers and third parties. HGI and Company assumes no responsibility for security of your facilities or networks, nor for unauthorized access to such facilities or networks. In all cases, you are responsible for determining and establishing secure network access configurations. HGI and Company, its affiliates, and each of their respective directors, officers, employees and agents, shall not be liable for any inability, failure or mistake related to any security breach or identification of such breach or any loss that results from the transmission of confidential or sensitive information over the Internet.

If any of these terms and conditions are determined to be invalid or unenforceable in whole or in part, such invalidity or unenforceability attaches only to such term or condition and all other terms and conditions shall continue in full force and effect.

More information

For more information concerning the terms and conditions of use of this website or to request the authorization to reproduce or distribute the content of this website or any part thereof, please contact HGI and Company.