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Please read the terms of use carefully before using this website, because they contain important information on your rights and obligations. 

The Terms of Use govern your use of the website https://www.fprofessionnels.com and the website https://margeprofessionnels.com (collectively the “Sites”) of Professionals’ Financial (hereinafter the “Financial”). Use of the subdomains of the Sites is also governed by the Terms of Use. Use of the Sites is also subject to compliance with our Privacy Policy.

By accessing or using the Sites, you agree to be bound by the Terms of Use unconditionally. The Terms of Use may be amended at any time without notice. We suggest that you consult the Terms of Use on a regular basis. If you do not accept the Terms of Use, we ask that you leave the Sites immediately.

Content of the Sites

The information and the financial data contained on the Sites are of a general nature.  This information and data are provided for informational purposes and do not constitute advice or suggestions of any nature whatsoever. You should not act on the sole basis of the information contained on the Sites.  We invite you to contact your advisor to ensure that the content is accurate, to obtain more information and to obtain information tailored to your situation. The information and data may be subject to frequent updates without notice.

The data on the past performance of our mutual funds are historical in nature and do not guarantee future returns. Our simplified prospectus contains important information in this regard and should be read before making an investment decision.

The Financial makes every effort to ensure that the available information is up to date, accurate and complete and contains no inaccuracies or errors. However, errors may occur in the content. The Financial assumes no responsibility for the accuracy of the content of the Sites.

Use of and access to the Sites

The Sites may be inaccessible periodically or your use interrupted for different reasons, including: failure of the network or of electronic or mechanical equipment, power outage, connection problems, maintenance of the Sites, upgrading, denial of service attack, or for any other reasons. The Financial assumes no responsibility for a service interruption or for any other event beyond our control, including the actions and failures of a provider, whether or not brought to our attention.

Hyperlinks

The Sites contain hyperlinks giving access to external websites belonging to third parties. We provide these links solely for your convenience and you access them at your risk. The Financial assumes no responsibility for their content, links, advertisements, products, services or any other material available via the hyperlinks.

The Financial makes no representation of any nature whatsoever concerning the security of the external websites or the absence of viruses on these sites and expressly disclaims any liability related thereto. We recommend that you read the terms of use and privacy policies of these third parties.

You may not create hyperlinks to the Sites without the prior written authorization of the Financial.

Access to your account

To access certain functions on the Sites, you have to use your client number and your password. You are fully responsible for the confidentiality of your client number and your password. The Financial is not responsible for the unauthorized use of your client number and your password. The Financial reserves the right to terminate or change at any time your right to access the Sites and its functions if you do not comply with the Terms of Use.

If you become aware of or suspect the theft, loss, disclosure or unauthorized use of your password, you must immediately report it to the Financial at support@fprofessionnels.com.

Limitation of liability and indemnification

The Financial disclaims any liability for direct or indirect damages resulting from the use of the Sites which may be caused to systems, devices, software or electronic files by computer viruses or by other intrusive, disruptive or destructive agents. These Terms of Use do not, however, exclude or limit liability which cannot be limited or excluded under applicable legislation.

You agree to indemnify the Financial and its affiliated companies, as well as its directors, employees, officers, agents, mandataries or other representatives, for any direct or indirect damage, or any loss or claim, including any loss resulting from a business interruption, loss of profit, or software, data or program loss, including legal costs and all associated costs, caused by and resulting from: (i) fraudulent or bad faith use of the Sites  (ii) use of the Sites with malicious intent or (iii) a material breach on your part of the Terms of Use.

Data collection and cookies

To enhance your browsing experience, to better serve you and to personalize your experience on the Sites, we use cookies. A cookie is a small data file that enables the Sites to identify your computer or mobile device and, if you have already visited the sites, to recognize you.

Cookies are placed on your hard drive when you visit the Sites and they contain:

  • Information that your provide
  • Indications of the interactions you have with our Sites
  • Information on your Web browser, your operating system, the type of device you use and its location, your Internet service provider, your language preferences, etc.

The Financial does not link cookies to data on individual users and does not communicate or sell these data to third parties.

If you do not want cookies to be stored on your computer, most browsers allow you to block cookies, delete them from your hard drive or receive a notification before a cookie is stored. However, this could limit your access to certain sections or functions of the Sites. For more information on cookies, we invite you to consult the help section of your browser and the following resources:

Intellectual property

All content on the Sites, including, without limitation, the texts, slogans, graphics, images, photographs, designs, audio or video files, software, artistic or graphic elements, algorithms, names, logos, trademarks and other content is the property of the Financial.

You may print the pages of the Sites for your personal, private and non-commercial use, on the condition that the notes concerning copyright and the elements protected by intellectual property rights remain unchanged.

You are not authorized to reproduce, print, archive, re-edit, modify, download, sell or otherwise copy for any other reason or for the purposes of publication, broadcast, transmission or sale the content of the Sites or of any of its elements, in whole or in part, on any medium or in any format whatsoever, without the prior written authorization of the Financial. No element, excerpt, citation, passage or text of the Sites should be construed as constituting or creating a licence or a right to use or reproduce any element whatsoever of the Sites. Be advised that the Financial will fully enforce its intellectual property rights.

General provisions

The Sites are administered by the Financial from its offices in Montreal, Quebec. Your use of the Sites and the Terms of Use are governed by the applicable laws of the province of Quebec and of Canada, excluding conflict of law rules which would lead to the application of any other legislation. Any dispute arising from or relating to the use of the Sites or to the Terms of Use shall be brought exclusively in the courts of the Province of Quebec, Canada, district of Montreal.

The provisions of the Terms of Use are separate and severable. If a provision, or any part thereof, is found to be invalid or unenforceable for any reason whatsoever, this provision shall then be deemed to be separate from the Terms of Use and the other provisions shall remain in effect.

The Terms of Use are current as at ● July 2019.

For an analysis of your situation,
get in touch with one of our advisors