The following general terms and conditions (“Terms”) govern the use of the iA Private Wealth Portal, (the “Client Portal”) and any related application that you use to access the Client Portal through certain electronic access devices (hereinafter “the Application”) and set other terms that can apply to you as a client of iA Private Wealth Inc. (“iA Private Wealth”). By accessing, using or obtaining any data, materials, information, products, services or any other content (collectively, “Content”) through the Client Portal or the Application, you acknowledge that you have read and understand these Terms and agree to abide by them. If you do not accept or understand all of these Terms, do not access or use the Client Portal or the Application and cease your current access.
You hereby acknowledge that the pages which you access via the Client Portal or the Application represent written documents, and that using your username and password, then clicking on or activating buttons electronically, in accordance with on-screen instructions, which contain the words “OK”, “I agree”, or similar wording, has the same legal value as if you had signed printed copies of these pages and sent them to iA Private Wealth.
Client Portal and Application Access Service
No Advice
Products
Username and Password
Protection of Personal Information
Limitation of Liability
Termination
Copyrights and Trademarks
Amendments to the Client Portal and the Application and its Terms of Use
Experience-Enhancing Technologies Used
Google Places API
Google Maps API
Third-Party Monitoring and Surveillance Tools
Adobe Analytics
Google Analytics
iA Financial Group and iA Private Wealth
Applicable Legislation
General Provisions
The Client Portal and the Application provide you with online access to your account balances, investment holdings, transactions and account statements.
The Content provided through the Client Portal or the Application is for account information purposes only and is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. As such, it should not be used or relied upon as a substitute for consultation with professional legal, tax, accounting or investment advisors.
Under no circumstances should you regard any information you may access in the Client Portal or the Application as a recommendation, advice or complete description of any products, service or plan.
The Content provided through the Client Portal or the Application does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make such offer or solicitation.
You acknowledge that legally, the combined use of your username and your password constitutes a mark equivalent to your signature and is a valid expression of your consent. You assume the entire responsibility for the confidentiality of your username and password. You agree not to disclose your username and password to any other person, including any employees of iA Private Wealth. Employees of iA Private Wealth may ask for your username to provide technical support but will never ask for your password.
As iA Private Wealth is not responsible for verifying and confirming the real identity or authority of individuals who use your username and password, you assume the entire responsibility for all activities and transactions undertaken using your username and password, even without your consent, and for losses or damages incurred by yourself or any third parties which may arise directly or indirectly therefrom. You also assume the entire responsibility for the activities and transactions undertaken at your request by your representative and for losses or damages incurred by yourself or any third parties which may arise directly or indirectly therefrom.
You agree to immediately notify iA Private Wealth upon becoming aware of any unauthorized use of your username or password to gain access to the Client Portal or the Application, or of any breach in security involving your username or password.
The collection and use of your personal information are subject to the iA Private Wealth Privacy Policy that can be found at www.iaprivatewealth.ca/privacy.
iA Private Wealth will not share your personal information with affiliated companies unless you have provided prior express written consent for us to do so (e.g. in your Client Account Information Form). Please refer to our privacy policy at the foregoing link for information about providing, or changing, your consent to share your personal information.
Access to the Client Portal and the Application is provided on an “as is” basis and as available by iA Private Wealth, without any representation or warranty of any kind whatsoever, including, without being limited to, implied warranties with respect to quality, accuracy and fitness for a particular purpose.
iA Private Wealth makes no representations or warranties against anything that could interfere with the functionalities of the Client Portal or the Application, the services provided through the Client Portal or the Application or the ability of the Client Portal or the Application to respond to your needs. No advice or information, whether oral or written, obtained by iA Private Wealth or its authorized representatives shall create any warranty.
iA Private Wealth commits to implementing the security measures necessary in order to secure the Client Portal and the Application and protect the personal information therein. Except in the case of a failure of its security system, iA Private Wealth, its suppliers and agents under contract with iA Private Wealth shall not be held responsible for losses or damages which may arise directly or indirectly from a breach of the confidentiality of your information.
Moreover, you acknowledge that iA Private Wealth shall not in any way be held responsible for losses or damages which may arise directly or indirectly from the use of or the inability to use the Client Portal or the Application and, more specifically, any action carried out in accordance with a request made by a person using your username and password, or by a representative of iA Private Wealth who is acting on your behalf.
iA Private Wealth reserves the right, at any time and without advance notice or liability, to terminate your access, in whole or in part, to the Client Portal or the Application or any component therein. iA Private Wealth will not be held responsible for any loss or damage resulting directly or indirectly from the termination of your access to the Client Portal or the Application. For your part, you may terminate your access to the Client Portal or the Application at any time by notifying us through your Investment Advisor or Portfolio Manager.
The Content of the Client Portal and the Application is protected by the copyright legislation in force in Canada and, if applicable, in other jurisdictions. Copying, reproducing, publishing or distributing any of the information included therein, in whole or in part, is strictly forbidden. Visitors or users of the Client Portal and the Application shall be entitled to copy, print or download such information for their own non-commercial personal use. They must then acknowledge the source of such information and ensure that it has not been modified in any manner.
The prior written consent of iA Private Wealth is required for any other use, in the absence of which iA Private Wealth shall take appropriate legal action.
iA Private Wealth, as well as its parent company, Industrial Alliance Insurance and Financial Services Inc. and its affiliated companies and members of iA Financial Group, own the trademarks used on or in connection with the products and services which they provide, whether they be names, graphics, logos, icons, designs, words, titles or phrases. These trademarks are protected by Canadian trademark legislation and cannot be used or reproduced.
iA Private Wealth reserves the right to amend at any time, with or without prior notice, any service provided through the Client Portal or the Application. It is also possible that access to either one of the services provided through the Client Portal or the Application may periodically be unavailable to allow for system maintenances or updates, or for any other reasonable purposes.
iA Private Wealth also reserves the right to amend, at any time and without prior notice, any Terms of Use of the Client Portal and the Application. You are required to consult such Terms on a regular basis. You will be notified of any significant review upon your next use of the Clint Portal. iA Private Wealth has complete discretion in determining what constitutes a significant review.
In order to improve the performance and functionality of the Client Portal and the Application, iA Private Wealth uses tools that allow content to be displayed from external platforms. With these tools, not only can hosted content be viewed on external platforms directly from the Client Portal and the Application, it can also interact with them. If such a tool is installed, site traffic data can be collected for the pages for which the tool is installed, even if visitors do not visit it. Please find below a list of the tools that iA Private Wealth uses so that content may be displayed from external platforms.
Google Maps is an online mapping service provided by Google Inc. that allows the Client Portal and the Application to incorporate this type of content on its pages and in its applications. The only personal data that Google Maps API collects are cookies and website usage. We invite you to consult their privacy policy at http://www.google.it/intl/en/policies/privacy/.
Google Places is a local business locator provided by Google Inc. that allows our site to incorporate this type of content on its pages and in its applications. The only personal data that Google Places API collects are cookies and website usage. We invite you to consult their privacy policy at https://policies.google.com/privacy.
iA Private Wealth employs monitoring and surveillance tools managed by third parties in order to improve the performance and functionality of the Client Portal and the Application. These tools gather only non-personal information pertaining to your use of the Client Portal and the Application. However, you understand that these tools are designed and maintained by third parties which are not under iA Private Wealth’ control. For this reason, iA Private Wealth shall not be held liable for either the type of information collected by these third parties or the manner in which they use and protect it. Please find below the third-party monitoring and surveillance tools that iA Private Wealth uses:
Adobe Analytics is a web data analysis tool provided by Adobe Systems Inc. The only personal data that Adobe Analytics collects are cookies and information relevant to site use. You are invited to consult their privacy policy at http://www.adobe.com/ca/privacy/policy.html.
Google Analytics is a web analytics service provided by Google Inc. ("Google"). Google uses the data collected to track and analyze the use of the Client Portal and the Application, to prepare reports on their activities and to share them with other Google services. Google may use the collected data to define the context and personalize the advertising of its own advertising network. You are invited to review Google's privacy policy at https://policies.google.com/privacy.
iA Private Wealth Inc. is a fully owned subsidiary of Industrial Alliance, Insurance and Financial Services Inc., a life insurance and financial services company which also operates under the business name iA Financial Group.
iA Private Wealth Inc. is a member of the Canadian Investor Protection Fund and the Investment Industry Regulatory Organization of Canada. iA Private Wealth is a trademark and business name under which iA Private Wealth Inc. operates.
The use of the Client Portal, the Application and the current terms of use, are governed by the laws and regulations in force in the Canadian province or territory where the branch you maintain your account is located and any applicable federal regulations without giving effect to any principles of conflicts of laws regardless of the domicile, residence or physical location of the user. All disputes, controversies or claims arising out of or in connection with the website shall be submitted to and be subject to the jurisdiction of the courts of the Canadian Province/Territory where the branch of the account is located and you agree to submit and attorn to such jurisdiction.
The headings in these Terms and Conditions are for convenience and reference only and shall have no legal effects. Any failure by iA Private Wealth to act with respect to you or another person's breach of these Terms will not constitute a waiver with respect to future or similar breaches. If a court finds any of these Terms to be unenforceable or invalid, that Term will be enforced to the fullest extent permitted by applicable law and the other Terms shall remain valid and enforceable. These Terms, together with those items incorporated by reference, constitute the entire agreement between us relating to your use of the Client Portal and the Application and replaces any prior oral or written understandings or agreements.