+1 604 889 8841askmary@truewealth.ca

[section background_color=”” background_image=”” video=”” width=”fixed” margin_top=”0″ margin_bottom=”0″ padding_top=”0″ padding_left=”0″ padding_bottom=”0″ padding_right=”0″ auto_generated=”” first_in_builder=”1″ _made_with_builder=”true”][row][column width=”1_1″ background_color=”” background_image=”” video=”” text_align=”text-left” _made_with_builder=”true”][special_heading title=”Legal Disclaimer” subtitle=”” heading=”h1″ centered=”” color=”#363f48″ _made_with_builder=”true”][/special_heading][/column][/row][row][column width=”1_1″ background_color=”” background_image=”” video=”” text_align=”text-left” _made_with_builder=”true”][text_block color=”#666666″ text=”<p>By accessing this website and any pages thereof, you agree to be bound by the terms of the Legal Notices and Disclaimers set out below. If you do not agree with the terms and conditions of these Legal Notices, do not access this website or any pages thereof.</p>
<p><strong>Internet Communications</strong><br />
Without the use of secure encryption, the Internet is not a secure medium and privacy cannot be ensured. Internet e-mail is vulnerable to interception and forging. We cannot ensure the privacy and authenticity of any information, and will not be responsible for any damages you may incur if you communicate confidential information to us over the Internet or if we communicate such information to you at your request.</p>
<p><strong>No Advice</strong><br />
The information provided on this website is intended for informational purposes only and is not intended to constitute financial, accounting, and legal or tax advice. For information specific to your situation you should consult a professional.</p>
<p><strong>Accuracy and Changes</strong><br />
Facts and information provided on this website are believed to be accurate at the time they are posted. However, this website could include inaccuracies, typographical errors, or out-of-date information. Changes may be made at any time to the information on this website without prior notice.</p>
<p><strong>Disclaimer of Warranty and Limitation of Liability</strong><br />
We do not warrant the accuracy, completeness, quality, adequacy or content of any information on this website. Such information is provided "as is" without warranty or condition of any kind, either expressed or implied, including, without limitation.<br />
We will not be responsible or liable for any direct, indirect, special, incidental, or consequential damage, or any other damages whatsoever, including, without limitation, lost revenues, lost profits or loss of prospective economic advantage, resulting from the use of or misuse of or inability to access or use this website.</p>
<p><strong>No Solicitation</strong><br />
Nothing on this website constitutes a solicitation or offer by us to buy or sell products or provide services of any kind whatsoever. You should always contact a professional.</p>
<p><strong>Applicable Jurisdiction</strong><br />
The information on this website is intended for use by persons resident in Canada, in the Province of Ontario only. Any products or services mentioned on this website are made available only in accordance with local law (including applicable securities laws) and only where they may be lawfully offered for sale.</p>
<p><strong>Third Party Links</strong><br />
Links to other websites are for convenience and information only and are independent from this site and therefore we have no control over the content of a lined website and will not be held liable for any inaccuracies in such information for the content of any linked website that are not maintained by us. We make no claims that third party websites will be free of viruses, Trojan horses or other destructive components on or from such links. Linking to another website is done at your own risk.</p>
<p><strong>Material to be Consulted in its Entirety</strong><br />
All information on this website is meant to be reviewed in its entirety, including any footnotes, legal disclaimers, restrictions or disclosures, and any copyright or proprietary notices.</p>
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<h3>MUTUAL FUND DEALERS ASSOCIATION OF CANADA</h3>
<p><strong>Client Complaint Information Form</strong><br />
Clients of a mutual fund dealer who are not satisfied with a financial product or service have a right to make a complaint and to seek resolution of the problem. MFDA Member dealers have a responsibility to their clients to ensure that all complaints are dealt with fairly and promptly. If you have a complaint, these are some of the steps you can take:<br />
Contact your mutual fund dealer. Member firms are responsible to you, the investor, for monitoring the actions of their representatives to ensure that they are in compliance with by-laws, rules and policies governing their activities. The firm will investigate any complaint that you initiate and respond back to you with the results of their investigation within the time period expected of a Member acting diligently in the circumstances, in most cases within three months of receipt of the complaint. It is helpful if your complaint is in writing.<br />
Contact the Mutual Fund Dealers Association of Canada (&ldquo;MFDA&rdquo;), which is the self-regulatory organization in Canada to which your mutual fund dealer belongs. The MFDA investigates complaints about mutual fund dealers and their representatives, and takes enforcement action where appropriate. You may make a complaint to the MFDA at any time, whether or not you have complained to your mutual fund dealer. The MFDA can be contacted:<br />
&bull; By completing the on-line complaint form at <a href="http://www.mfda.ca" target="_blank">www.mfda.ca</a><br />
&bull; By telephone in Toronto at (416) 361-6332, or toll free at 1-888-466-6332<br />
&bull; By e-mail at <a href="mailto:complaints@mfda.ca">complaints@mfda.ca</a> <sup>(1)</sup><br />
&bull; In writing by mail to 121 King Street West, Suite 1000, Toronto, ON M5H 3T9 or by fax at (416) 361-9073</p>
<p><strong>Compensation:</strong><br />
The MFDA does not order compensation or restitution to clients of Members. The MFDA exists to regulate the operations, standards of practice and business conduct of its Members and their representatives with a mandate to enhance investor protection and strengthen public confidence in the Canadian mutual fund industry. If you are seeking compensation, you may consider the following:<br />
&bull; Ombudsman for Banking Services and Investments (&ldquo;OBSI&rdquo;): After the dealer&rsquo;s Compliance Department has responded to your complaint, you may contact OBSI. You may also contact OBSI if the dealer&rsquo;s Compliance Department has not responded within 90 days of the date you complained. OBSI provides an independent and impartial process for the investigation and resolution of complaints about the provision of financial services to clients. OBSI can make a non-binding recommendation that your firm compensate you (up to $350,000) if it determines that you have been treated unfairly, taking into account the criteria of good financial services and business practice, relevant codes of practice or conduct, industry regulation and the law. The OBSI process is free of charge and is confidential. OBSI can be contacted:</p>
<ul>
<li>By telephone in Toronto at (416) 287-2877, or toll free at 1-888-451-4519</li>
<li>By e-mail at ombudsman@obsi.ca</li>
</ul>
<p>&bull; Legal Assistance: You may consider retaining a lawyer to assist with the complaint. You should be aware that there are legal time limits for taking civil action. A lawyer can advise you of your options and recourses. Once the applicable limitation period expires, you may lose rights to pursue some claims.<br />
&bull; Manitoba, New Brunswick and Saskatchewan: Securities regulatory authorities in these provinces have the power to, in appropriate cases, order that a person or company that has contravened securities laws in their province pay compensation to a claimant. The claimant is then able to enforce such an order as if it were a judgment of the superior court in that province. For more information, please visit:</p>
<ul>
<li>Manitoba: <a href="http://www.msc.gov.mb.ca" target="_blank">www.msc.gov.mb.ca</a></li>
<li>New Brunswick: <a href="http://www.nbsc-cvmnb.ca" target="_blank">www.nbsc-cvmnb.ca</a></li>
<li>Saskatchewan: <a href="http://www.sfsc.gov.sk.ca" target="_blank">www.sfsc.gov.sk.ca</a></li>
</ul>
<p>&bull; Qu&eacute;bec: The Autorit&eacute; des march&eacute;s financiers (&ldquo;AMF&rdquo;) pays indemnities to victims of fraud, fraudulent tactics or embezzlement where those responsible are individuals or firms authorized to practice under the legislation governing the provision of financial services in Quebec. It also rules on the eligibility of claims and sets the amount of the indemnities to be paid to victims. Consumers can thus be compensated to a maximum of $200,000 per claim, through funds accumulated in a financial services compensation fund. For more information, please visit <a href="http://www.lautorite.qc.ca" target="_blank">www.lautorite.qc.ca</a>.</p>
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<h3>MUTUAL FUNDS PRODUCTS</h3>
<p>Mutual funds products are offered through Investia Financial Services Inc.<br />
Commissions, trailing commissions, management fees and other expenses may be associated with mutual fund investments. Please read the Fund prospectus carefully before investing. Mutual fund investments are not guaranteed, their values change frequently, and their past performance may not be repeated.<br />
Insurance products are provided through multiple insurance carriers.</p>
<h6>(1) You may wish to consider issues of internet security when sending sensitive information by standard e-mail.</h6>
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