Legal Notices

Please read this agreement carefully before you use this Web site. Your use of this Web site means that you agree to accept the following terms of use.



CDSPI and its affiliated companies (collectively the "CDSPI Group") and their employees and representatives respect the privacy and confidentiality of your personal information. However, the Internet is not a secure medium of communication. Therefore we cannot guarantee the privacy or confidentiality of any information you place on this site, send to us, or request be delivered to you on the Internet. Such information may be subject to access by other persons. We will not be responsible for any harm or damages you or others may suffer as a result of the loss of privacy or confidentiality of, or access of third parties to, such information.


Jurisdictions where available

The products and services offered by or administered by the CDSPI Group are only available in jurisdictions where they may be legally offered for sale. Nothing on this site constitutes an offer to buy or sell products or services offered by or administered by the CDSPI Group in any jurisdiction in which an offer or solicitation cannot legally be made, or to any person to whom it is unlawful to make a solicitation. Not all products or services are available in all jurisdictions. All products and services offered are subject to the terms and conditions of any applicable agreements.


Purpose of this site

This site is not intended to provide you with personalized investment, insurance, financial, accounting, tax or legal advice. It should not be used as a substitute for personal advice from a representative of CDSPI's affiliate, CDSPI Advisory Services Inc., or an appropriate professional advisor.


Your Responsibilities

You are responsible for the care and control of your personal account login information. You must keep your account number and password confidential and you should not disclose your password to anyone at any time. You should also avoid selecting a password that may be easily determined by others.

You are responsible for all activity on your account completed through the website (including accepting a level of investment risk when you execute fund switches) unless it can be shown that you have been a victim of fraud. If you become aware that fraud has occurred you must report the incident to us promptly and cooperate fully in any subsequent investigation.


Your Privacy

CDSPI Group recognizes the importance of keeping your personal and financial information confidential. Please refer to Upholding Your Privacy Rights for information on how we protect and use your personal information.


Product information

Descriptions of products and services offered by or administered by the CDSPI Group are abbreviated summaries of such products or services, highlighting some of their features. You should review such products or services in detail by referring to the legal documents which govern them.


Reliability of information

Information provided on this site, including fund rates of return and unit values, is believed to be accurate and reliable when posted. However, we cannot guarantee that information will be accurate and complete at all times. All information on this site is subject to modification and update from time to time without notice.

Certain performance and other information on this Web site relating to segregated funds and underlying mutual funds is provided by Sun Life Assurance Company of Canada. The CDSPI Group will not be liable for any errors or delays in, or loss or damages or actions taken in reliance on, this information.

Web sites which may be accessed by hypertext links (other than the CDSPI Group Web sites) have not been prepared by the CDSPI Group and are entirely independent of this site. We do not guarantee the accuracy of any information on these other sites nor should any hypertext link to such site, or a hypertext link from such site to this Web site, be construed as our endorsement of such organization's services or products, unless we explicitly provide such endorsement.


Our Limits of Liability

CDSPI and its affiliated companies (collectively the "CDSPI Group") and their officers, directors, employees and agents will not be responsible or liable for any damage, loss or inconvenience you may incur if for any reason you are unable to access your account(s) at any time through the website. Account representatives are available to assist you by telephone during normal business hours.

Subject to the exception set out above with respect to fraud, your use of this website is entirely at your risk. CDSPI Group and their officers, directors, employees and agents shall not be responsible for any harm, loss or damage, however caused, arising out of your use of this website, including direct, indirect, special, third party or consequential damages, nor for any detrimental reliance you may place upon this website or its contents.


Availability of site

CDSPI will attempt to make this Web site available for use 24 hours per day, seven days per week for authorized users. However, there will be occasions when the site will be unavailable for use or on which CDSPI will need to shut down the site for a period of time. The CDSPI Group will not be responsible for any damages which you may suffer if the site is unavailable for use.



The contents of this site are protected by copyright. Users of this site may copy information for their own non-commercial personal use but may not republish or reproduce any part without the prior written permission of CDSPI. Republishing and reproducing includes any uploading, downloading or accessing the information on this site onto the Internet or any other local or international computer system.



The members of the CDSPI Group own all of the trade-marks used on or in connection with the goods and services which they provide. The trade-marks are protected by Canadian trade-mark laws.


Governing law

The laws of the Province of Ontario and the federal laws of Canada applicable therein govern the interpretation, validity and effect of this agreement and the use of this Web site. You hereby submit and attorn to the exclusive jurisdiction of the courts of the Province of Ontario in any action or proceeding arising out of or in connection with this agreement or your use of the Web site.