All services and information available via www.immigrantinvestor.com are covered by the terms and conditions described below. By using this site, you agree to abide by these terms and conditions.

Desjardins Trust reserves the right to change the terms and conditions at any time without advance notice. In such cases, Desjardins may post change notices directly on the site or may insert links to such change notices.

Users from other countries are required to comply with the site's established terms and conditions, as well as with terms and conditions applicable in any country where this site may be operational.

As Internet security and confidentiality cannot be fully guaranteed, Desjardins Trust does not ensure the authenticity or privacy of information transmitted via the Internet. Consequently, Desjardins Trust will not be liable for any incident that may occur as a result of your transmitting information to us or your asking us to send information to you.

Desjardins Trust currently provides users with a wide selection of products and services available through its service network (collectively referred to herein as the “Service”).

Unless otherwise specified, any new feature that enhances or augments one or more existing services, or any new service launched by Desjardins Trust, will be subject to the Terms of Use in effect for this site.

It is prohibited to reproduce by any means whatsoever the information, data, text, and other materials (collectively referred to herein as "Content") included in the Service.

More specifically, it is prohibited to:

(a) forge headers or otherwise manipulate content transmitted through the Service;

(b) .upload, post, e-mail, transmit or otherwise make available any Content that contains computer viruses or other computer codes, files or programs designed to interrupt, destroy or limit the functionality of namely, but not restrictively, any software, computer, application or telecommunications equipment;

(c) interfere with, disrupt, or make abusive use of the Service, the servers or the networks connected to the Service, or refuse to comply with any requirements, procedures, general regulations or regulatory provisions applicable to networks connected to the Service;

(d) sell, resell or operate on any commercial basis whatsoever any portion of the Service or any use of the Service or any access privileges associated with the Service.

The Service or third parties may provide or include links to other Web sites or other Internet sources. Since it has no control over these outside sites and sources, Desjardins Trust will not be held responsible for their availability, nor can it assume any responsibility for the content, links, advertising, products, services or other materials made available by or through such external sites or sources. Furthermore, Desjardins Trust will not be held liable for any loss or damage, caused or alleged to be caused by, or arising in connection with, the use of or reliance on Content, products and services made available on these outside sites or sources.

Consequently, it is up to you to exercise discretion in your use of such Content. Likewise, you are responsible for assuming all inherent risks, particularly when you rely on the timeliness, usefulness or completeness of the content made available on or through the sites or sources referred to by the Service.

Stock quotes, investment fund values, exchange rates, interest rates, and other similar financial data posted on www.immigrantinvestor.com are provided for your information only. This information originates from a variety of sources and is updated on a regular basis. Consequently, Desjardins Trust, along with its managers, employees and agents can in no event be held responsible for the consequences of any inaccurate information or for any damage sustained as a result of the use of such information.

The Service is provided to you for information purposes only. Therefore, content disseminated within the Service is not intended to be used in conducting transactions or making investment decisions. Desjardins Trust will not be held liable for the Content or the accuracy of all or part of the information transmitted through the Service.

The Service and any software or applications used in connection with the Service (referred to herein as "Software and Applications") may contain confidential information protected by existing intellectual property laws or other legislation.

The Content and information made available to you as part of the Service is protected by the laws governing copyright, trademarks and patents, and by any other rights set forth in existing legislation.

Unless expressly authorized by Desjardins Trust, it is therefore prohibited

(a) to copy, alter, rent, borrow, sell, distribute, or create derivative works based in whole or in part on the Service or on the Software and Applications;

(b) to reverse the design or assembly, or otherwise attempt to locate the source code (except as provided for by law), or to sell, assign, sub-license or transfer in any way the rights attached to the Software and Applications;

(c) to modify the Software and Applications in any way or to use modified versions of the Software and Applications in order to namely, but not restrictively, gain unauthorized access to the Service;

(d) to access the Service by any means other than the interface provided to you by Desjardins Trust for this purpose.

(a) The Service is provided to you and is accessible to you based on its availability. Desjardins Trust offers no warranties, either express or implied, including, but not restrictively, warranties as to the quality of the Service or its fitness for a particular purpose, or as to the non-infringement by users of the Service's Terms of Use.

(b) More specifically, Desjardins does not warrant that:
  (i) the Service will operate without interruption or error or in a secure and timely manner;
  (ii) results obtained by using the Service will be accurate and reliable;
  (iii) the quality of any product, service, information or other materials purchased or obtained by you within the Service will meet your expectations;
  (iv) defects in the Software and Applications, if any, will be rectified.

(c) You alone will be responsible for any damage sustained by your computer or any loss of data resulting when downloading material;

(d) No advice or information, whether oral or written, obtained by you from Desjardins Trust or in the course of using the Service may be construed as creating any warranty not expressly stipulated in the site's Terms of Use.

To the fullest extent possible pursuant to applicable laws and regulations, Desjardins Trust will in no way be held liable for any direct or indirect damage, including, but not restrictively, the loss of profits, customers or data, or other loss of intangible assets, even if Desjardins Trust has been notified regarding the possibility that such damage may arise:

(a) from the use or inability to use the Service;

(b) following unauthorized access to the Service by a user or following a change in your transmission or your database;

(c) from the actions or conduct of a third party in the course of using the Service.

All the information contained in this website is protected by the laws governing copyright. The users of this site may copy the content for their personal use, but none has the right to redistribute, reproduce, republish, save in any format, retransmit, or alter the information contained herein for commercial purposes, without the prior authorization of Desjardins Trust, or to make public use of this information without mentioning the source.

All logos and trademarks (including certain names, words, titles, drawings, illustrations and icons) that appear on the pages of this website are registered trademarks of Desjardins or of a third party. Any use of these marks is strictly prohibited without the prior written authorization of the owner. Unauthorized downloading, retransmission, copying or modification of the content or trademarks on this site may constitute an infraction of federal laws or other applicable legislation on copyright and trademarks, and the person who commits such an infraction may be the subject of legal proceedings.

The Service’s Terms of Use represent the entire agreement between Desjardins Trust and the Service user with regard to use of the Service, and they supersede any prior agreement between you and Desjardins Trust concerning use of the Service. You may also be subject to additional Terms of Use specific to certain services, third party content and third party software that will be disclosed to you once you access such services, content or software. The failure by Desjardins Trust to exercise any rights conferred upon it by virtue of the Terms of Use in no way constitutes a waiver of such rights. Should any provision of these Terms of Use be judged to be invalid by the decision of a court, all other provisions will remain in effect and continue to apply. The section titles in the Terms of Use are provided for information purposes only.

In addition, the use of some Desjardins Trust services may require compliance with additional or specific rules, conditions, provisions or guidelines that will be set forth in a separate agreement. Such rules and guidelines will be considered an integral part of these Terms of Use. In the event of any confusion between the Terms of Use and the separate agreement, the latter will prevail.

Access to www.immigrantinvestor.com is controlled by a firewall. This security device filters the requests for access to a Web site so as to neutralize any attempt to illegally penetrate the site.