Terms & Conditions

Terms and Conditions of Use:

This website is proprietary to Invisor Financial Inc. (IFI) and its wholly-owned subsidiaries, Invisor Investment Management Inc. (IIMI) and Invisor Insurance Services Inc. (IISI).

Please read the following conditions of use carefully before using this site. These conditions of use also apply when you use a downloadable application, mobile device browser or other technology to access any features, functionality, content or information that is made available or provided on this site. You should review the conditions of use regularly as they may change at any time. References to “you” or “your” shall mean the person accessing or using this site. References to “Invisor”, “we”, “us” or “our” shall include IFI, IIMI & IISI. Invisor reserves the right to change the terms of use of its sites or discontinue them at any time upon notice to you. Notice may be given to you in writing, by email or by posting such notice on the relevant site.

IIMI is registered with the provincial securities regulators in the provinces of Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Quebec and Saskatchewan, as a Portfolio Manager.

IISI is licensed to sell life and health Insurance in the provinces of Ontario and Manitoba.

General

Nothing on this website should be considered as an offer or recommendation to trade in any security. Investment advisory services are only provided to investors who become IIMI clients by entering into a written agreement. Any investor choosing to obtain investment advisory services from IIMI is urged to read all agreements in their entirety and carefully consider whether such agreements are suitable for them, given their individual circumstances. IIMI’s investment advisory services are available only in jurisdictions where they may be lawfully offered and may not be available in all geographical regions.

Insurance solutions and services are provided by IISI. Nothing on this website should be considered as an offer to insure you for life or health insurance. Insurance advice is provided only to individuals who become clients of IISI. IISI does not underwrite any insurance policy described or quoted on this website. While we strive to ensure that all information, including any premium amounts quoted, are current and accurate, the premium quotes or ranges shown are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company at the time they underwrite the application. All insurance products are subject to the limitations and conditions in the applicable policy and/or certificate of insurance provided by the underwriter at the time of purchase.

This site is not intended to provide you with any legal or tax advice. If you require legal or tax advice, please consult with your lawyer, tax advisor or accountant, as the case may be.

We make reasonable efforts to maintain the availability of this site. However, there will be times when this site will be unavailable for use or when we find it necessary to shut down this site for a period of time for maintenance, updates and other reasonable adjustments.

The products and services described on the site are available only in Canada. Nothing in this site is intended to constitute an advertisement for promotion of such products and services in other jurisdictions.

Third parties may provide certain performance and other information on this site relating to exchange traded funds and mutual funds. Invisor will not be liable for any errors or delays in, loss or damages caused by, or actions taken in reliance on, this information.

Any financial tools or calculators, including InvisorGPS, provided on the website are purely for information only and should not be considered as financial advice or a financial plan.

Cyber Monday 2018 Promotion

  • The account opening process or money transfer process must be completed before 11:59pm EST on Monday, November 26, 2018
  • The account must be funded with a minimum balance of $5000
  • The funds must be new to Invisor (i.e. not transferred in from another Invisor account)
  • The funds must remain in the account for at least 12 months from the date the funds are deposited in the account (the “Holding Period”)
  • If at the end of the Holding Period a withdrawal has brought your new contribution balance below $5000, your account will be charged an account credit reversal fee of the total amount you received for the promotion ($100).
  • There may be tax implications to the account credit. For registered accounts (RRSPs, spousal RRSPs, TFSAs, and RESPs), no tax receipt will be issued for the account credit. If you require tax advice, please contact your personal tax advisor.
  • The offer is limited to a maximum of one account credit per household, regardless of the number of new accounts opened during the time of the promotion.

Third-party tools, sites and logos

Invisor may use third party service providers to provide certain tools and/or programs, some of which may be housed on a third party server or a site which has been independently developed by others, including those outside of Canada (i.e. in the United States). As such, while accessing this site you may be linked to such other third party servers. Access to other sites or use of any third-party tools or programs on this site are subject to all the terms and conditions found on such third party site(s).

Third-party websites accessed by hypertext links appearing on this site may have been independently developed by others. We are not responsible for the contents or operation of such third party sites and we do not guarantee the accuracy of any information in them. The listing of an organization not affiliated with Invisor on this site should not be interpreted as an endorsement of its services or products by any of Invisor or their representatives. Invisor disclaims any and all responsibility and liability for the accuracy, content, completeness, legality, reliability or operability of such third party websites or the services and resources available on them. Any concerns regarding any such service or resource should be directed to the particular service or resource.

Invisor may co-brand certain pages of this site with a partner, if you are a user of a co-branded service based on a referral arrangement between you, the partner and Invisor. Such co-branding should not be interpreted as an endorsement of the partner’s services by Invisor or its representatives. Any concerns regarding any service provided by such partner should be directly addressed with the partner.

Electronic Funding and Transfer Requests

By using the Invisor website, you understand that any instructions you provide while logged into the Invisor website are considered signed instructions. You are responsible for ensuring that all funding requests are accurate and complete, and in making such a request on the Invisor website, you authorize us to act on your behalf to initiate the transactions according to the instructions provided. If changes to original instructions are required, we will try to honour any amendments to the original request but may not be able to do so in a manner that would prevent the original transaction from being completed. You understand that any errors or incomplete information on a transfer from another institution may result in the transfer being rejected, delayed or posted to an incorrect account. You agree to indemnify Invisor from any losses arising out of or relating to any erroneous or incomplete information on any electronic funding or transfer requests.

Confidentiality

Invisor is committed to respecting the privacy of your personal information. For further information on how we collect and use your personal information refer to our privacy policy. However, it is important to keep in mind that the Internet is not a secure medium of communication. For this reason, we cannot guarantee the privacy of any information you input, send to us, or request be delivered to you during its transmission over the Internet. We will not be responsible for any damages you or others may suffer as a result of the loss of confidentiality of such information in the course of transmission over the Internet.

Copyright

The content of this site is protected by copyright. Users of this site shall be entitled to copy information for their own non-commercial personal use but may not otherwise republish or reproduce any part without the prior written permission of Invisor. Republishing and reproducing includes any uploading or downloading the information on this site onto the Internet or any other local or international computer system, or otherwise providing access to the contents of this site. An acknowledgement of the source must be included whenever our materials are copied or published.

If you require further information on the uses that you may make of the information on this site or if you wish to obtain a license to reproduce or republish any material on this site, please send a request by email to hello@invisor.ca. Any infringement of our rights will result in appropriate legal action. Invisor disclaims any and all liability which may result from any unauthorized reproduction or use of the information on this site.

Trade-marks

Invisor owns or properly licenses all the trade-marks used on or in connection with the goods and services which it provides. The trade-marks are protected by Canadian and foreign trade-mark laws. All rights reserved.

Disclaimer

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

Your use of this site shall be entirely at your risk. Invisor, its officers, directors, employees or agents thereof, as well as any person associated with the creation and maintenance of this site or its contents will not be responsible in any manner for any harm, loss or damage, however caused, arising out of your use of this site, including direct, indirect, special, third party or consequential damages. We will not be responsible for any detrimental reliance that you may place upon the site or its contents.

THIS SITE IS PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE AND THE WARRANTY AGAINST INFRINGEMENT WITH RESPECT TO THE INFORMATION PROVIDED AND THE USE OF THIS SERVICE. Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

If any provision in these conditions of use is held invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect. These conditions of use shall be governed by and construed in accordance with the laws of the Province of Ontario and applicable laws of Canada. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the Province of Ontario sitting in the City of Toronto in any action or proceeding related to your use of this site.

Last amended date: November 23rd 2018