WEB SITE DISCLAIMER

The owners of this web site and / or the Web design Company for the purpose of the disclaimer will be referred to as "the Web Site Provider "

The terms and conditions applicable to any product, service or information will be those determined at the time of provision of the product, service or information. Please be aware of the laws of your country or that otherwise apply to you in relation to any of the matters described in these pages.

NOT OFFERING ANY FINANCIAL ADVICE
The information provided in the pages of this Website is not intended to provide specific financial, tax, legal or accounting advice for you.

NO WARRANTIES
The information provided in the pages of this Website is for informational purposes only. Although we believe this information to be correct, and attempt to keep the information in the pages of this Website current, we do not warrant the accuracy or completeness of any information in these pages.

TRADE MARKS AND COPYRIGHT
Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this Website may constitute trade names, trade marks or service marks of Web Site Provider, the use of which may have been licensed to them. The display of trademarks on pages at this Website does not imply that a license of any kind has been granted to anyone else. Any unauthorized down loading, re- transmission, or other copying or modification of trade marks and/or the contents herein may be a violation of federal or common law trade mark and/or copyright law and could subject the copier to legal action. All information found in the pages of this Website is protected under the copyright laws of Canada and in other countries. Unless otherwise specified, no one has permission to copy, redistribute, reproduce or republish, in any form, any information found in the pages of this Website.

INTERNET E-MAIL
Any unprotected E-mail communication over the Internet is, as with communication via any other medium (e.g. cellular phones, post office mail), subject to possible interception or loss, and is also subject to possible alteration.

NO ENDORSEMENTS
Links to Websites outside the Web Site Provider are meant for convenience only. No endorsement of any third party products or services is expressed or implied by any information, material or content referred to or included on, or linked from or to this Website.

CONFIDENTIALITY AND SECURITY
Our Web site supports versions of Netscape Navigator and Microsoft Internet Explorer browsers that use 40-bit or 128-bit encryption.

Encryption is a means of scrambling information for transmission, in this case, between your PC and our computing systems. Information that is encrypted at one end is decrypted (decoded) upon receipt at the other end.

128-bit encryption is the strongest, most secure form of encryption that is generally available in Internet browsers on the market in North America today. the Web Site Provider requires that its customers use 128-bit encryption when conducting financial transactions over the Internet. We also recommend the use of 128-bit encryption for all non-financial transactions, e.g. the completion of mortgage application forms.