Legal

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 any use, or re-use, of this site. By using this site, you expressly agree to be bound by these terms and conditions, as amended from time to time. If you do not agree to these terms, you must refrain from accessing or using the site. This will apply no matter who or what accesses this site.

The Tower Group may, from time to time, modify this Privacy Policy to reflect legal, technological and other developments. In that event, the changes will appear at this location.

Limited license and use

This website is proprietary to The Tower Group. The Tower Group allows 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, informational or educational purposes and for purposes of doing business with The Tower Group, provided that the contents of the site are not modified in any way and that all copyright and all other notices are maintained. If you wish to have further permission to use, reproduce, or republish any portion of this site or its contents, you must contact The Tower Group at the link below. 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, accounts, account information or other information.

The Tower Group does not ensure or guarantee either in part or in whole, the accuracy, completeness or authenticity of any of the site content, site functionality or any transmissions from this site. Since currency rates and statements are ever changing, we do not guarantee currency.

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, nor the advice of any of your advisors personal or professional, or its affiliated companies. Nothing on this site constitutes an offer to buy or sell products or services of The Tower Group or its affiliated companies or suppliers. All products and services are subject to the terms and conditions of any applicable contracts. The Tower Group 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 Tower Group may only solicit the sale of financial products and services for which The Tower Group 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 Alberta, the province in which The Tower Group resides and you agree to be bound to the jurisdiction of the courts of that province. These terms and conditions are binding on you, your heirs, executors, administrators, legal representatives, successors and assigns. If any provisions of these terms and conditions are determined to be invalid or unenforceable, all other provisions shall continue in full force and effect.

Other World Wide sites may be accessed from this site by hypertext links and are completely independent to the site, and such sites are not maintained or controlled in any way by The Tower Group. Any direction by a third party to such site shall not, in any manner, be construed as an endorsement by The Tower Group of such World Wide Web's site, advice or opinion, information, products or services. We do not guarantee the accurateness of any of the World Wide Web's site content or information to which by hyperlink you may link. Such links are provided for convenience only.


Privacy and Confidentiality
You acknowledge that The Tower Group collects and uses personal information for purposes of providing the services contained on this site. The Tower Group is committed to respecting the privacy and confidentiality of information in accordance with its privacy guidelines (see privacy link on our privacy statement) and in accordance with applicable law. The Tower Group has established and will continue to maintain appropriate safeguards to protect 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, unauthorized third parties. Without limiting any other disclaimer herein, The Tower Group 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, or third party sites linked here, you agree to be liable for all uses of your user name and password, including unauthorized use without your consent and you acknowledge that The Tower Group 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 Tower Group to execute any transactions directed as a result. You agree to notify The Tower Group and its affiliates 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 The Tower Group is encouraged to do so by other means.

Copyright
This site has been developed by and is the property of The Tower Group. C 2004-2007. All rights reserved. Certain aspects of this site have been prepared by persons independent from The Tower Group. 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 The Tower Group. Any infringement of the rights of The Tower Group may result in legal action.

Trademarks and Intellectual Property
The Tower Group owns or has obtained the right to use by license or otherwise the trademarks used on or in connection with the goods and services that it provides. Names, phrases, icons, graphics, designs, and logos are all Trademarks of The Tower Group. The trademarks are protected by Canadian and foreign trademark laws. All rights reserved. The display of trademarks on this site shall not in any way be construed as an implied license to use such trademarks. All third-party trademarks are property of their respective owners. The display of third party trademarks should not be taken to imply any relationship or license between The Tower Group and owner of the trademark(s). Registered and/or pending trademarks of The Tower Group in Canada and abroad are used throughout this site. The entire content of this website is copyrighted by The Tower Group. Use of these trademarks and of the images and content on this website is strictly prohibited unless otherwise authorized in writing by The Tower Group. Any infringement of the rights of The Tower Group may result in legal action.

General Disclaimer
The content of this site is provided for personal, informational and educational purposes and for purposes of doing business with The Tower Group. Content 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, The Tower Group does not guarantee, represent or warrant that the information contained on this site is accurate, complete, reliable, verified or error-free.

The Tower Group 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.

• The tower group 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 The Tower Group, any of its affiliates, and any of their respective directors, officers, employees or associates shall be liable to you (A) 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, (i) your use or inability to use this site for any reason whatsoever, or (ii) any action or inaction on the part of The Tower Group; or (B) for any direct, indirect, special or consequential damages, even if The Tower Group 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 or opportunities.
• You acknowledge that past performance is not indicative of future performance or returns. Any references to performance on this site are provided as historical benchmarks only and for purposes of general information.
• You are responsible for ensuring that you are appropriately informed about any securities, taxation, legislation or laws that could affect your decisions, or common sense

More Information For more information concerning the terms and conditions of use of this site or to request the authorization to reproduce or distribute the content of this site or any part thereof, please contact: Kelly Taylor at ktaylor@thetowergroup.ca and Laura Ballerini at lballerini@blubrown.com.