Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the fund specific simplified prospectus before investing. Mutual funds are not guaranteed and are not covered by the Canada Deposit Insurance Corporation (CDIC) or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Fund values change frequently and past performance may not be repeated.
Labour Sponsored Investment Funds (“LSIF”) have tax credits that are subject to certain conditions and are generally subject to recapture, if shares are redeemed within eight years. Please note that Mutual Fund Representatives in Alberta are not permitted to sell LSIF.
The information contained on this Internet Website is for general information purposes only and is the opinion of the owners and writers. Investors should educate themselves regarding securities, taxation or exchange control legislation, which may affect them personally. This web site is for general information only and is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. Please consult an appropriate professional regarding your particular circumstances.
This Internet Website does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make such offer or solicitation.
References in this Internet Website to third party goods or services should not be regarded as an endorsement of those goods or services. By accessing any of the links provided you will be leaving the Niagarawealth.ca is not responsible for the information contained on these websites.
All information provided is believed to be accurate and reliable, however, we cannot guarantee its accuracy. Mutual funds are offered only in Canada.
Risk of Borrowing to Invest
Here are some risks and factors that you should consider before borrowing to invest:
Is it Right for You?
Borrowing money to invest is risky. You should only consider borrowing to invest if:
You should not borrow to invest if:
You Can End Up Losing Money
Aligned Capital Partners Inc. (“ACPI”) values your business and we thank you for your confidence in choosing our firm as your source of advice and products. As our client, you trust us with your personal information. We respect that trust and want you to be aware of our commitment to protect the information you share in the course of doing business with us. As an organization that collects, uses and discloses personal information, ACPI is subject to the federal Personal Information Protection and Electronic Document Act (or by similar laws in the provinces of Alberta, British Columbia and Quebec). In complying with these laws, it is important that ACPI provide you with information so that you may fully understand the purposes for which your personal information is collected.
Your Rights as They Pertain to Your Personal Information
Your consent is required before we may provide your information to any third parties. The consent that you provide to ACPI with regard to collection, use and disclosure of your personal information may be cancelled at any time by providing written notice to ACPI (subject to legal or contractual obligations and on providing us with reasonable notice) by contacting our General Counsel and Chief Privacy Officer. Please be aware that the purposes for which we collect, use and disclose your personal information are central to our being able to provide you with our services. By withdrawing your consent, ACPI will no longer be in a position to provide you with requested products and services. Therefore, by maintaining your account with ACPI, you are providing consent to our collecting, using and disclosing your personal information, as set out in this agreement.
ACPI does not require your consent to the collection, use and disclosure of your personal information:
How We Collect, Use and Disclose Your Information
When you do business with us, we collect three types of information: personal, non-personal and anonymous. We will obtain personal information about you, which we will keep on file in accordance with industry regulations. Only authorized individuals and entities have access to this information. We assume your consent for our firm to use this information in an appropriate manner. We may use and disclose this information in order to:
If you are an individual, ACPI may collect, use and disclose your Social Insurance Number (SIN) for income tax reporting purposes.
ACPI may, from time to time, disclose your personal information to external sources, such as credit agencies, other financial institutions, insurance companies, mutual fund companies in which you invest and other parties who provide services to ACPI. ACPI may also rely on external sources to collect personal information about you.
What We Will NOT Do With Your Information
ACPI does not disclose your information to any other organization to use for their own purposes. We do not sell client information to, or trade client information with anyone; nor do we share client information with organizations outside of our relationship with you that would use it to contact you about their own products or services.
Corrections of Personal Information by ACPI
You may review the information you have provided to ACPI and make corrections to it. We may request that you provide corrections in writing. You may address corrections, questions, or privacy related complaints to our Privacy Officer:
General Counsel and Chief Privacy Officer
Aligned Capital Partners Inc.
1001 Champlain Avenue, Suite 300
Burlington, Ontario, L7L 5Z4
Retention of Personal Information
ACPI may retain your personal information on file after you cease to be a client of ACPI for as long as ACPI requires such information, or as long as is demanded by our regulatory and legal requirements.
We Strive to Protect Your Personal Information
All employees, associated advisors, agents and suppliers who are granted access to client records understand the need to keep this information protected and confidential. They know they are to use the information only for the purposes intended. This expectation is clearly communicated. We’ve also established physical and electronic systems safeguards, along with proper processes, to protect client information from unauthorized access or use.
BY OPENING AN ACCOUNT AT ACPI, YOU ARE PROVIDING CONSENT TO ACPI TO COLLECT, USE AND DISCLOSE YOUR PERSONAL INFORMATION AS SET OUT IN THIS AGREEMENT.