LEGAL NOTICE

By accessing this web site (the “Site”), you agree to be bound by the Legal notice and to comply with the following terms of use which may be updated at anytime. If you do not agree, please do not use this Site. If, at any time, these Terms and Conditions become unacceptable to you, you must immediately stop using the Site.

1. Worldsource Group and Ownership

   Worldsource Wealth Management Inc. offers a variety of financial products and services and operates under the business names Worldsource Securities, Desjardins Financial Security Investments, and SFL Wealth Management.

   Worldsource Wealth Management Inc. and Worldsource Financial Management Inc. are subsidiaries of Worldsource Group of Companies Inc., which is a wholly owned subsidiary of the Fédération des caisses Desjardins du Québec (“FCDQ”), part of the Desjardins Group.

2. Copyright and Trademarks

   All content available on this Site, including but not limited to text, graphics, design elements, and the overall layout and arrangement thereof (the “Content”), is protected by copyright, trademark, and other intellectual property laws. The Content is owned or licensed by Worldsource Wealth Management Inc. Worldsource Financial Management Inc., the Desjardins Group or affiliates of these companies.

   You may electronically copy or print portions of this Site solely for your personal, non-commercial use. Any other use of the Content, including but not limited to reproduction, modification, distribution, republication, storing in any medium, or modifying the information on this Site is strictly prohibited without prior written consent from Worldsource Wealth Management Inc. Worldsource Financial Management Inc., or the Desjardins Group.

   All trademarks and logos (including certain names, words, titles, drawings, illustrations and icons) appearing on the Site are trademarks or registered trademarks of Worldsource Wealth Management Inc., Worldsource Financial Management Inc., the Desjardins Group, their affiliates or third parties. Any use is strictly forbidden without their respective owners’ written authorization. The use of the logos and registered names as hyperlinks to other Websites without prior written authorization is prohibited.

   Any unauthorized use of the Site content may be a violation of the federal or other laws applying to trademarks and/or copyrights and could subject the copier to legal action.

3. Information Accuracy and Updates

   Worldsource Wealth Management Inc., Worldsource Financial Management Inc. or the Desjardins Group may, at any time, change or update the information displayed on this Site, which is provided for information purpose only.

4. No Warranty

   This Site is provided on an “as is” and “as available” basis without any warranties, express or implied. Worldsource Wealth Management Inc., Worldsource Financial Management Inc. and the Desjardins Group are not responsible for any loss or damages arising from use of this site and the information contained therein. They cannot guarantee that the information on the Site is accurate, complete, or current nor the availability of the site, and cannot be held responsible for problems that may arise during its use.

5. No Offer or Advice

   The information provided is for informational purposes only . You should not rely on it for specific investment, legal, financial, tax, accounting or other advice. You are encouraged to seek professional advice before acting on any information.

   The information on this Site does not constitute an offer, solicitation, or recommendation to buy or sell any security, investment product, or service. In particular, there is no offer, solicitation or recommendation to buy or sell any security, investment product or service to anyone in the United States or any other jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation.

6. Forward-Looking Statements

   The Site may contain forward-looking statements that are inherently uncertain and subject to risks. Actual outcomes may differ materially, and reliance on such statements is at your own risk.

7. Local Laws

   Not all products or services are available in all jurisdictions. Availability is subject to local laws and licensing requirements. You are responsible for compliance with local laws when accessing this Site.

8. No Relationship

   Use of this Site does not create any legal relationship between you and Worldsource Wealth Management Inc., Worldsource Financial Management Inc., and/or the Desjardins Group or amend any existing relationship.

9. No Liability

   Worldsource Wealth Management Inc., Worldsource Financial Management Inc., and/or the Desjardins Group shall not be liable or responsible to any person for any harm, loss, or damage (whether arising in contract, tort, negligence, or otherwise) that may arise directly or indirectly from the use, inability to use, or malfunctioning of this Site or the information contained herein, including any direct, indirect, special, third-party, or consequential damages.

10. Links to Third-Party Sites

    This Site may contain links to third party websites which are provided for your convenience only. These links do no not imply the endorsement or approval of such websites, products, services or publications by Worldsource Wealth Management Inc., Worldsource Financial Management Inc. or the Desjardins Group. These external sites and references are independently developed and maintained and we make no representations or warranties regarding the currency, accuracy, completeness, or authenticity of the information or functionality that they provide. Accessing any third-party site is at your own risk and we will not be responsible or liable for any damages in connection with any such linking.

11. Privacy and Security

    We are committed to protecting your privacy. Please review our Privacy Policy for information on how we handle your personal information. We cannot guarantee the confidentiality of information transmitted via email over the Internet. For security and statistical purposes, we may collect data on access to the Site and may review transmissions to and from the Site.

12. Unclaimed Property

    Worldsource and its affiliates have policies and procedures in place to locate and notify owners of unclaimed property in their possession, in accordance with applicable laws and regulations.

13. Governing Law and Jurisdiction

    The site will be governed by and construed in accordance with the laws of the province of Quebec. All disputes, controversies, or claims arising out of or in connection with the site shall be submitted to and be subject to the jurisdiction of the courts of the province of Quebec. Thus, in the event of any suit, action, or proceeding arising out of or in connection with this site, the courts of the province of Quebec will have exclusive jurisdiction. Information from this site regarding our products and services is intended for use in Canada only, where such products and services may lawfully be offered for use and/or sale, and neither use nor sale is intended where prohibited by law.

14. Cookies

    Cookies are used on our site. They identify your browser software when you move from site to site or page to page during a Web session. This information can then be used to identify you and facilitate your access to a site and your ability to navigate within our site. Cookies can only be read by the website that sends them to your computer.

    When you access our site directly or through a publicity redirecting to our site, a cookie file is automatically created in your computer. Our server and possibly third party ad servers can access this file in order to improve your experience on our site and in some instances promote our products. While they enable the site to identify you as a specific user, they don’t recognize you by your name or other personal information. No personal information is collected through cookies.

    We may collect aggregated information for statistical purposes, for instance, to determine a page's popularity, the average number of pages accessed per visitor, and the average time each visitor spends on the site.. Cookies may also allow us to display Worldsource Wealth Management Inc., Worldsource Securities, Desjardins Financial Security Investments, SFL Wealth Management, and Worldsource Financial Management Inc., in publicity if you access an external site which displays those publicities.

    We use two types of cookies:

    1. Session cookies: these are not stored on your hard drive and are deleted when you log off our site.
    2. Persistent cookies: these are stored on your hard drive and recalled at your next visit. They are stored as text files in order to preclude any viruses or programs from accessing your data.

    To access all parts of our website, your browser must accept cookies. If your browser is set up to refuse cookies, you can change the Internet settings in your web browser to allow cookies. If you do not allow cookies, some pages may not function properly and some features may not be available.

15. Update of Legal notice and terms of use

    This notice will be updated and modified from time to time without any notice. Accordingly, whenever you access the Website, ensure that you check this notice.