The agreement contains the following sections:
Terms of use
When you access the Web site property of ING Canada, you
accept and agree to be bound by and comply with the Agreement
regarding the use of this web site (the Agreement) the terms and
conditions of which are described below as well as at other
locations on the Web site (hereinafter called site). Please take a
moment to become familiar with the terms and conditions. If you do
not accept the terms and conditions, you should immediately
discontinue the use of this site.
ING Canada has no obligation to update information presented
on this web site, however these terms and conditions may be changed
at any time without notice. You agree to review the terms and
conditions regularly and your continued access or use of the site
will mean that you agree to be bound by any such changes.
When you access this site you agree to surrender any legal
recourse whatsoever resulting from the use of this site or from any
information thereon.
The terms and conditions are of general application and shall
be read together with and as supplementary to any disclaimer, term,
or condition posted on the site.
If any term or condition is found to be unlawful, void, or
for any reason unenforceable, then that provision shall be deemed
to be severable from the rest of the terms and conditions and shall
not affect the validity and enforceability of any remaining
provisions of the Agreement.
Interpretation and Jurisdiction
When it is appropriate for the interpretation of the text, a
word used in the masculine gender includes the feminine gender and
vice versa.
Access and use of this site are subject to all laws and
regulations applicable in your province or territory of residence.
Please be aware that some financial products and services described
in the site may not be available in your province or territory of
residence. This communication does not constitute an offer or
solicitation by anyone in any jurisdiction in which the
distribution and selling of financial products and services by
subsidiaries and affiliated companies of ING Canada is prohibited.
Persons accessing this site are required to obtain information
about and observe any relevant restrictions.
The terms, exclusions and conditions of the contracts
relating to financial products and services mentioned on this site
are not fully described. Their interpretation is governed by the
terms and conditions of the contract applicable to the insurance or
financial product purchased, or to the financial service offered,
and by any applicable laws and regulations. In case of any
discrepancy between the contract and the website, the contract will
apply.
Only Canadian residents who can validly be bound by an
agreement under applicable laws can use this site. Individuals
residing in an area where the access to or use of the site or any
part of is illegal or prohibited are not permitted to use the site.
It is your responsibility to determine if you can legally use the
site in compliance with all applicable laws.
The investor information contained on this site relates to
securities only in those jurisdictions where they may
be lawfully available for sale or purchase and only by persons
permitted to sell or purchase such securities.
Security
Once you have gained access to the site, it is highly
recommended that you do not leave the computer terminal until you
have left the site.
ING Canada does not warrant that any information, software or
other material accessible through one the site or through links to
other Web sites is free of viruses, worms, Trojan horses or other
harmful components. Without the use of encryption, communication
through the Internet or electronic communication is not secure and
privacy cannot be ensured.
Confidentiality
When you contact a subsidiary or affiliated company of ING
Canada to purchase a financial product or obtain advice or
financial services, it must occasionally collect certain
information part of which may be personal.
Rest assured, our subsidiaries and affiliated companies
respect the applicable laws with regard to the use of your
confidential personal information.
ING Canada, its subsidiaries and affiliated companies protect
personal information that have been transmitted to them using
various means: physical, organizational and technological in
accordance with the level of protection required.
ING Canada may use small data files (cookies) that are used
for your convenience and save you from identifying yourself at each
visit. They do not contain or transmit any personal data.
Certain sections of the site may permit the communication of
personal information to take advantage of electronic services. Any
information submitted to the site is used solely for the purpose(s)
identified in its collection.
Copyrights and Trademarks
Copyrights
The site is protected by Copyright laws and International
Agreements on such matters, and its content cannot be altered
without infringing on the author's rights and his/her moral rights.
The texts, illustrations, graphics and images displayed on
the site are and will remain at all times the property of the
author, unless stipulated otherwise herein. They cannot, under any
circumstances, be sold, reproduced, copied, modified, published or
distributed, in whole or in part, as the case may be, without
express permission from the author.
No content from the site may be cited on or transmitted to
newsgroups, mail lists, or electronic bulletin boards, or
incorporated into any other Internet Web site nor may links be
created to this site without indicating the source and address of
the site and without the prior written consent of ING Canada, its
subsidiaries or affiliated companies.
Trademarks
Certain names, words, titles, phrases, logos, icons, graphics
or designs or other content in the pages of the site are, as the
case may be, trade names or trademarks of ING Canada, its
affiliated companies, its subsidiaries or its parent company, ING
Groep N.V., registered and/or used in Canada (marks) or in other
countries, as the case may be, and represent only part of their
intellectual property.
Certain names, words, titles, phrases, logos, icons, graphics
or designs or other content in the pages of the site can constitute
trademarks or trade names, registered or not, property of third
parties and may be used under licence. The display of trademarks
and trade names on pages at the site does not imply that a license
of any kind has been granted to anyone else. The users are not
permitted to use these marks or names without express consent from
ING Canada or from the third party proprietor of these marks or
names.
The following list is not exhaustive and its use and
interpretation should be subject to this restriction: ING [lion],
ING [lion] Direct and ING Investment Management are trademarks of
ING Groep N.V., ING Wealth Management is a trade name for ING
Wealth Management Inc., ING Insurance is a trade name for ING
Insurance Company of Canada, BELAIRdirect is a trademark of Belair
Insurance Company, ING Novex is a trade name for ING Novex
Insurance Company of Canada. This list is subject to change at all
times and without notice.
Any unauthorised downloading, re-transmission, or other
copying or modification of trade-marks and/or the contents of the
site may be a violation of any federal or other law that may apply
to trade-marks and/or copyrights and give rise to legal
action.
Liability
ING Canada, its subsidiaries and affiliated companies
completely disclaims all liability arising from the use of the
information contained on this site by any user. Further, and
without limiting the generality of the foregoing, in no event shall
ING Canada, its subsidiaries and affiliated companies be liable for
any direct, indirect, incidental, consequential or special damages,
losses, claims or expenses arising out of the use of the
information herein, or in any way connected with access to or use
of the site.
The materials and information on this site are provided as
is, and without warranties of any kind, either expressed or
implied.
Without limiting the above, ING Canada does not represent or
warrant that the site or its content will be available or will
function without interruption or that it will be free of errors or
that any errors will be corrected. In addition, it does not
represent or warrant that the use of the site and, including the
browsing and downloading of any content, will be free of viruses,
Trojan horses, worms or other destructive or disruptive components
or that your use of the site and its content will not infringe the
intellectual property or other rights of any third party.
When using the site, you have to take reasonable precautions
to scan for computer viruses, worms, Trojan horses, and other items
of a destructive nature. It is also up to you to ensure that you
have a complete and current backup of the information contained on
your computer system prior to using the site.
Investing in mutual funds may give rise to the payment of
commissions, trailing commissions, brokerage fees, management fees
and other expenses. Please read the prospectus before investing.
Mutual fund securities are not covered by the Canada Deposit
Insurance Corporation or by any other government deposit insurer.
There can be no assurances that any of the Mutual Funds advertised
on this site will be able to maintain their net asset values per
security at a constant amount or that the full amount of your
investment in the funds will be returned to you. Mutual funds are
not guaranteed, their values change frequently and past performance
may not be repeated. Investors who do not reside in Canada should
communicate with their advisor to obtain additional information
regarding the availability in their country of residence of the
financial products and services described in this site.
Content
The information provided by ING Canada is believed to have been
accurate and reliable when posted on the site, but it cannot
guarantee that it is accurate or complete or current at all times.
The information on this site is for information purposes only and
is not intended to provide investment, insurance, financial, legal,
accounting or tax advice and should not be relied upon in that
regard. For advice please consult the appropriate specialist. As a
result, ING Canada, its subsidiaries and affiliated companies
cannot be held responsible, in all or in part, of the accuracy of
the information provided in the site and cannot be held responsible
for investment decisions based thereon.
Links to other sites
Links from or to Internet Web sites outside this site are
meant for convenience only and you access them at your own risk.
The publishers of the outside sites manage their content which are
not reviewed, nor approved by ING Canada. These links should not
construed as an endorsement, a guarantee or a recommendation of the
products or services offered on those sites. ING Canada cannot
guarantee that these links are functional or secure.
You access these sites at your own risk. ING Canada cannot be
held responsible for damages or prejudice of any nature resulting
from the use or the content of the site or of other sites connected
to the site by hyperlink.
