Website terms and conditions of use

By visiting this Website, you accept to comply with the terms and conditions of use, which may be modified from time to time without notice by changes to this document. Make sure you read and understand the conditions. Each time you visit the Website, you are presumed to have read and accepted the terms and conditions of use. Visiting or continued use of the services offered through this Website signify that you accept the terms and conditions of use, including any changes to them. We will post any changes on the Website. Please look at all changes and updates. If you do not accept the terms and conditions, please do not use this Website. The terms and conditions and your use of this Website are governed by the laws of the Province of Ontario and all other relevant laws of Canada.

Limitation of liability

The information or data contained on this Website are provided exclusively for information purposes and must not be taken to be comprehensive advice that applies to your financial situation or as specific advice of a financial, legal, accounting, tax or investment nature. Please consult your personal financial advisor with regard to your personal financial position.

The information contained on this Website is reputed to be accurate and reliable at the time of publication on the site; however, we cannot guarantee that it will remain accurate, reliable, complete or up-to-date. This information may be modified. We assume no responsibility for any losses incurred due to the use of this Website or to the unavailability of this Website. Unless noted to the contrary, the information is not verified and is provided “as is.” We make no claims that this Website will not experience interruptions or be free of errors, that such flaws will be corrected, that the site or the server that hosts it is free of viruses or other harmful elements.

Availability of products

The products and services provided on this Website are:

  • Subject to the terms and conditions of applicable laws; and
  • Provided only in certain provinces and territories of Canada or other jurisdictions where they may be offered lawfully.

The products, services and information are not all provided in all jurisdictions outside Canada. The information contained on this Website must not be considered as offers or solicitations to buy or sell any funds, investment or any other product, service or information to any person in any jurisdiction where offers or solicitation are prohibited by law or to any person to whom it is prohibited to make an offer or solicit. Potential investors who do not live in Canada should consult their financial advisors to find out if these securities are offered lawfully within their jurisdictions.

If you choose to use this Website outside Canada, you are solely responsible for complying with all relevant local, national and international laws. You may not use, export or re-export any information contained on this Website, or copy any parts in violation of all relevant laws and regulations, including the laws and regulations relating to exporting from Canada.

Security

Sections of this Website may be protected and may not be used except with an identification number and password. You are solely responsible for the security of your identification number and password to ensure that no one uses them without your permission. You are responsible for any fraud or liability arising from the use of your identification number and your password. Stem Capital is not obliged to confirm the identity or right to use of any person whatsoever who uses your identification number and your password. Please contact us as soon as possible if you discover that your identification number and your password have been stolen or fraudulently used.

Copyright

All information contained on the Website of Stem Capital is protected by applicable copyright laws. It is prohibited to copy, distribute, modify, post or use any text, image, video clip, program code or user interface design or logo. Any unauthorized use or reproduction of these brands and names is strictly prohibited.

Hypertext links

Reference on this Website to the products or services of third parties does not signify that Stem Capital endorses or approves such products or services, and is provided only for convenience. Stem Capital neither endorses nor approves links to other Websites, third parties, or their products or services, and is not responsible for any incompatibility, inconvenience, contamination by computer viruses or worms, Trojan horses or any other destructive agent originating from these sites. Linking to other sites is at your own risk and Stem Capital will not be held liable for any damage caused by such links.

General waiver of responsibility

The information contained in this communication is subject to change without notice and Stem Capital cannot be held responsible for any inaccuracies in the information provided. The information contained on this Website does not constitute specific advice of a financial, legal, accounting, tax or investment nature. Please consult your personal advisor before making any investment decisions.

It is prohibited to download, retransmit, record on any support whatsoever, copy, redistribute, reproduce or republish it for any purpose.

Internet e-mail

The confidentiality and security of e-mail transmission via Internet are not guaranteed. E-mail communications are not confidential and may be intercepted, lost or even modified. Stem Capital is not responsible for harm or damages that you or any other person may undergo by transmitting e-mail containing personal or confidential information via Internet to Stem Capital, or from e-mail that Stem Capital sends to you at your request.

Use of the Website

Stem Capital is not responsible for any damage (direct, indirect, special, economic, consecutive, exemplary or punitive) incurred following use or unavailability of this Website, its content, or any action or decision taken by you or another person based on the Website, its content or any other unauthorized use or reproduction of the Website or its contents.

Statement of confidentiality

Stem Capital is committed to protecting the privacy of its clients. The protection of personal information is essential to the trust of our clients and the integrity of our brand. All of our employees are obliged to maintain confidential all personal information to which they have access. The conduct of each employee of Stem Capital is governed by Stem Capital’s Code of Ethics and Confidentiality Policy that set out provisions concerning personal and confidential information. All employees must confirm their adherence to the Code of Ethics and to the Confidentiality Policy.

Web server log files

In order to better understand your needs and improve our Website as a result, we collect information such as the number of hits on our site, the pages most frequently accessed and information about access to our secure Website. This information comes from Web server log files from which we compile overall statistics in order to improve our site and the services we provide to our clients.

Internet security

Stem Capital takes precautions to protect client information on our Website. In certain sections, Stem Capital uses SSL (secure sockets layer) encryption protocol to protect data transmission. When you are in a protected zone, the lock icon of Web browsers such as Microsoft Internet Explorer or Netscape Navigator is locked (as opposed to unlocked, or open).

The encryption level available today in Web browsers is 128 bits. Stem Capital currently accepts 128-bit encryption for our secure Website.

Cookies

A cookie is a small file from a Web server transferred to your browser to be consulted on your computer. There are two types of cookies: session cookies and persistent cookies. A session cookie is a small file containing information about the user that disappears when the user’s Web browser is closed. A persistent cookie remains in your computer after you close your browser or shut down your computer. Stem Capital uses only session cookies to enable you to navigate or request information concerning the accounts on our secure Website.