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. Invisor reserves the right to modify the terms and conditions of use at any time; 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.

By accessing Invisor’s website located at www.invisor.ca (the “Site”) you are accepting the policies and practices described in this Terms and Condition of Use.

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.

This website is governed by the laws of the Province of Ontario and the laws of Canada as applicable therein without giving effect to any principles of conflicts of laws regardless of the domicile, residence or physical location of the user. All disputes, controversies or claims arising out of or in connection with the website shall be submitted to and be subject to the jurisdiction of the courts of the Province of Ontario. You submit and attorn to the exclusive jurisdiction of the courts of the Province of Ontario to finally adjudicate or determine any suit, action or proceeding arising out of or in connection with the website.

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.

The information contained in 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 to Canadian residents. 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.

Invisor is not responsible in any manner and will not be liable to you or anyone else for any loss or damages whatsoever (including direct, indirect, special, incidental, consequential, exemplary or punitive damages, and without limitation, lost revenues or profits or loss of prospective economic advantage) resulting from your use or inability to make use of this website or the information therein, and/or any web browsers, including any loss or damages you may suffer if you transmit confidential or sensitive information to us or if we communicate such information to you at your request over the Internet, including via email.

Invisor is not directed to anyone under the age of majority in the province in which they reside. If a parent or guardian becomes aware that his or her child under the age of majority, within the province they reside, has provided us with personally identifiable information without his or her consent, he or she should contact us at hello@invisor.ca. If we become aware that a child under the age of majority, within the province they reside, has provided us with personally identifiable information, we will delete such information from our files.

Use of Cookies
We use technologies such as cookies and pixels to customize and improve your experience with the Site. Cookies are small pieces of data that are stored on your computer, mobile phone or any other device used to access the internet. Pixels are small code blocks on a website that allow for another server to measure viewing of a webpage and often are used in connection with cookies. Cookies store anonymous information, such as whether you viewed the site from your mobile device. We may store some personal information in a cookie and/or pixel, such as the site that you visited immediately prior to visiting Invisor and relevant financial information that allows us to enhance your user experience and for marketing purposes. Cookies, pixels, and similar technologies are not required for site functionality. Our cookies are also used for security purposes and to personalize your experience, such as customizing your screen layout. You are not required to accept any cookies or pixels to use this site. However, refusing to accept cookies or pixels will make the use of the Site more cumbersome and less accessible. You can refuse or delete cookies. Most browsers and mobile devices offer their own settings to manage cookies. If you refuse a cookie on our site, or if you delete cookies, you may experience some inconvenience in your use of the site. For example, you may not be able to sign in and access your account, or we may not be able to recognize you, your device or your online preferences.

Along with cookies and pixels, Invisor may also use third-party tracking technology and other third-party providers (referred here after as “Tracking Tools”), such as Google Analytics, to record similar information regarding you and your activity on the Site. The Tracking Tools collect information about how often users visit this Site, what pages they visit when they do so, and what other sites they used prior to coming to this site, among other information. We use the information we get from these Tracking Tools to improve this Site. The Tracking Tools collect the IP address assigned to you on the date you visit this Site, along with other anonymized information (e.g. browser type and type of device used to visit the Site), not your name or other personal identifying information. The Tracking Tools’ ability to use and share information about your visits to this Site is restricted by their terms pf use and privacy policies. We do not combine the information collected through the use of Google Analytics with personally identifiable information. These third-party providers may also use cookies.

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.

Other Sites
Invisor and its subsidiaries do not endorse or approve the content of other websites which can be accessed by hypertext links from this site.

Confidentiality & Personal Information

Invisor is committed to respecting the privacy of your personal information. Invisor maintains your account and its contents to provide products and services to you and to improve our services, including but not limited to:

  • Registration and management of your account, including facilitating your access to and use of the Site;
  • Communicating with you in general, including providing general information about the Site;
  • Sharing Invisor community information, including posting your reviews, forum posts, and other content to the Site;
  • Responding to your questions and comments;
  • Soliciting information from you, including through surveys;
  • Resolving disputes or troubleshooting problems;
  • Preventing potentially prohibited or illegal activities

Invisor may request, or you may provide to the Site, other information such as your annual income, net worth, financial goals, marital status, levels of investment knowledge, investor qualifications, language and location preferences. Additional information, including your credit card information, may be required in order to enter into transactions on the Site.

When a company creates an account with Invisor as a retirement plan sponsor, we will collect information on both the company and its employees as plan participants, including but not limited to, the company’s name, the company’s employer identification number, details about the company’s existing retirement plans, an email address of the company’s contact person and other relevant plan information. We will also collect certain personal and financial information about the plan participants, including, but not limited to, names, social insurance numbers, dates of birth, annual incomes, addresses, gender, marital status, email addresses and other contact information, occupation, industry, salary information, and contribution rates.

In order to provide workplace services to employers or plan sponsors, such as retirement savings plan services, we may exchange any information received in connection with such services with the employer or plan sponsor or others they may authorize. We may also share information, including but not limited to account positions, contributions, distributions, and cash flows, with a third-party financial institution that serves as a directed trustee to retirement savings plans serviced by Invisor and its affiliates.

If you maintain an Invisor account that you access through our website or mobile apps, you are responsible for protecting and maintaining the confidentiality of your account and password and restricting access to your computer.

Invisor will not share your email address with any other users nor display it in any public manner.

If you decide at any time that you no longer wish to receive marketing communications from us, please follow the “unsubscribe” instructions provided in the communications.

Once you have registered with Invisor, you an access your profile via your secure dashboard or by contacting us, review the information that is stored, and revise that information. If you have any problems, you may also contact us at hello@invisor.ca. Due to regulatory requirements, we do not delete residual copies of out-dated information and must preserve all customer data for a minimum of seven years.

Invisor attaches great importance to the security information transmitted and transactions carried out through this website. The conditions of use described in this legal notice and in confidentiality notice govern all transactions. In carrying out transactions you acknowledge having accepted the conditions in this notice.

For additional information on how Invisor protects your privacy please refer to our privacy policy at https://invisor.ca/privacy-policy/

Copyright
The content of this site is protected by copyright laws in force in Canada. Users of this site shall be entitled to copy information for their own non-commercial personal use but may not otherwise republish, reproduce, distribute or copy in whole or in part, any content 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. Whether in the form of names, graphics, logos, icons, designs, words, titles or phrases. These trade-marks are protected by Canadian and foreign trade-mark laws. All rights reserved.

Independent views and forwarding-looking statements
Views expressed regarding a particular company, security, industry, market sector or general economic conditions are the view of only that author/speaker as of the time expressed and do not necessarily represent the views of Invisor. Any such views are subject to change at any time based upon markets and other conditions and Invisor disclaims any responsibility to update such views. These views are not a recommendation to buy or sell and may not be relied on as investment advice and, because investment decisions for Invisor are based on numerous factors, may not be relied on as an indication of trading intent.

The information contained int his website may include estimates, projections and other “forward-looking statements”, which are generally expressed in the future tense, or using words such as “expect”, “anticipate”, “believe” or “may”, whether or not they are expressly identified as forward-looking statements. Any such statements pertaining to our services were based on assumptions that we believed to be reasonable at the time, but which may prove to be incorrect. As a result, any forward-looking statements may prove to be incorrect and actual performance may differ materially from that predicted in any forward-looking statements

Invisor assumes no obligation to update forward-looking statements.

Disclaimer
Invisor strives to provide information that is as reliable as possible on its site. 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 and current at all times, complete and current at all times. Invisor reserves the right to modify the information in this site 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.

In case of discrepancy between the information published on this site and in a contract, the contents of the latter shall prevail.

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.

No Liability
Invisor and its affiliates, their directors, officers, employees and representatives are not liable in any manner whatsoever for any loss or damage which may arise directly or indirectly from the use of this site, including special or consecutive damages and damages caused to third-parties.

In particular, but without limiting the generality of the foregoing, Invisor and its affiliates, directors, officers, employees and representatives are not liable for damages arising from acts or deeds performed on the basis of the information contained in this website or for any damage suffered as a result of the disclosure of personal or confidential information that are transmitted over the internet.

Information provided in this website is not updated after the date that it was posted and may be out-of-date. It should not be taken that the absence of a publication date indicates that information on this website is current. Invisor assumes no responsibility to update any information on this website, does not guarantee that the information contained on this website is accurate and complete, and accepts no responsibility for any loss arising from any use of or reliance on the information contained herein.

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.

If you have any question on our Terms and Conditions, please contact us at:

Invisor
103-1320 Cornwall Road
Oakville, ON L6J 7W5
Email: hello@invisor.ca
Toll-Free: 1-866-611-5431

Last amended date: January 4, 2019