LEGAL

PLEASE READ THESE TERMS CAREFULLY

If you access and use this website and any pages thereof, you accept and agree to be bound by and comply with the terms set out below. If you do not agree with the terms of use, do not use this website or any pages thereof.

INVESTMENT PLANNING COUNSEL

References in this website to "Investment Planning Counsel" (or "IPCC") are to the corporate entity Investment Planning Counsel Inc. and include its subsidiaries and affiliates, where applicable. Investment Planning Counsel is a fully integrated Wealth Management Company.

Trademarks owned by Investment Planning Counsel Inc. and licensed to its subsidiary corporations. Investment Planning Counsel is a fully integrated Wealth Management Company. Mutual Funds available through IPC Investment Corporation and IPC Securities Corporation. Securities available through IPC Securities Corporation, a member of the Canadian Investor Protection Fund. Insurance products available through IPC Estate Services Inc. & PPI Management Inc.

Mortgage Broker Services provided by Invis Inc. (Lic# ON 10801 / SK 315928) or Mortgage Intelligence Inc. (Lic# ON 10428 / SK 315857).

Counsel Portfolio Services Inc. is an affiliated entity to IPC Investment Corporation and IPC Securities Corporation-Member of the Canadian Investor Protection Fund.

IPC INVESTMENT CORPORATION & IPC SECURITIES CORPORATION

IPC Investment Corporation and IPC Securities Corporation are members of the Canadian Investment Regulatory Organization (“CIRO”). CIRO is the national self-regulatory organization that oversees all investment dealers, mutual fund dealers, and trading activity on Canada’s debt and equity marketplaces. To learn more about CIRO, please visit www.ciro.ca.

NOT OFFERING ANY ADVICE

The information on this site is general information only and is not intended to constitute specific legal, accounting, financial or tax advice for any individual. Many factors may affect the applicability of any statement or comment that appear on our website to an individual's particular circumstances. You should consult with IPCC or your independent professional advisors before acting on any information provided herein.

IN NO EVENT WILL IPCC OR ITS AFFILIATES BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS OR DAMAGES WHATSOEVER (INCLUDING DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES) RESULTING FROM THE USE OR MISUSE OF IPCC'S WEBSITE, OR RELIANCE ON THE INFORMATION, DOCUMENTS, SOFTWARE OR CONTENT THEREOF, EVEN IF IPCC OR ITS AFFILIATES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

APPLICABLE AGREEMENTS

All products and services provided by IPCC and its affiliates are subject to the terms of the applicable agreements governing their use.

ACCURACY AND CHANGES

Facts and information provided by IPCC at this website are believed to be accurate when placed on the website. IPCC reserves the right to make changes at any time to the information at this website without prior notice. Please consult any branch of IPCC in your jurisdiction for complete and up-to-date information on products and services.

IPCC AND ITS AFFILIATES DO NOT WARRANT THE ACCURACY, COMPLETENESS, TIMELINESS, QUALITY, ADEQUACY OR CONTENT OF ANY INFORMATION ON IPCC'S WEBSITE. SUCH INFORMATION IS PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. OUR WEBSITE COULD INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS.

Some jurisdictions do not allow the exclusion of implied warranties, so the above may not apply to you.

CONFIDENTIALITY

Confidentiality and security of information over the Internet is not possible at this time. IPCC cannot ensure the privacy and authenticity of any information or instructions you send to us or that we send to you over the Internet. IPCC 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.

SOFTWARE BACK-UP AND WEBSITE USAGE

While every effort is made to ensure that all software provided at this website, or as a link from this website, is suitable for use on a wide variety of computer systems, you should take reasonable and appropriate precautions to scan for computer viruses and ensure compatibility of the software with your specific computer system.

IN NO EVENT WILL IPCC BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL OR PUNITIVE DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, LOSS OF DATA OR OTHERWISE, EVEN IF IPCC, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OF EXPENSES.

LINK TO OTHER WEBSITES

Links to other Internet resources or websites are meant for convenience only and are at your own risk; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by IPCC or its affiliates.

IPCC makes no representations whatsoever about any other website which you may access through this website. When you access a non-IPCC website, please note that it is independent from IPCC, and that IPCC has no control over the content on that website. Linking to any other websites is at your own risk and IPCC and its affiliates will not be responsible or liable for any damages in connection with linking. It is up to you to take precautions to ensure that whatever you select for your use is free of computer viruses and other items of a destructive nature.

TRADEMARKS

"Investment Planning Counsel" and "The Investment Planning Counsel Logo" are trademarks of the Investment Planning Counsel Inc. Investment Planning Counsel Inc. is also the owner of all product and service marks for Investment Planning Counsel products and services. All other product and service marks mentioned on this website are the trademarks of their respective owners. All Investment Planning Counsel trademarks used in this website are authorized for use under license. The display of trademarks and trade names on pages of this website does not imply that a license of any kind has been granted to anyone else.

COPYRIGHT

The information is for your personal non-commercial use only and may not be reproduced or republished in any part without the prior written consent of IPCC, or where applicable, its affiliates. Any unauthorized downloading, re-transmission, or other copying or modification of trademarks and/or the contents of this website may be a violation of any federal or other law that may apply to trademarks and/or copyrights and could subject the copier to legal action. The information is protected under the copyright laws of Canada and other countries. Unless otherwise specified, no one has permission to copy, redistribute, reproduce, republish, store in any medium, re-transmit, modify or make public or commercial use of, in any form, the information. IPCC and its affiliates disclaim any and all liability that may result from any authorized reproduction or use of the information from this website.