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The following are the terms that govern your use of the SM Solutions (www.smsolutions.ca) website (“Site”). Please read them carefully. By using this Site, you agree that you will comply with and be bound by them. If you do not agree with them or do not want to be bound by them, do not use the Site. Use of this Site is at your own risk.
USE RESTRICTIONS/COPYRIGHT/TRADEMARKS
The copyright in all material provided on this Site is held by SM Solutions (www.smsolutions.ca) or by the original creator of the material. Except as stated herein, none of the material may be copied, reproduced, distributed, republished, translated, downloaded, displayed, posted, communicated to the public by telecommunication or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of SM Solutions (www.smsolutions.ca) or the copyright owner.
Permission is granted to display, copy, distribute and download the materials on this Site for personal, non-commercial use only provided you do not modify the materials and that you retain all copyright, trademark and other proprietary notices contained in the materials. You also may not, without SM Solutions (www.smsolutions.ca) permission, "mirror" any material contained on this Site on any other server. This permission terminates automatically if you breach any of these terms or conditions. Upon termination, you will immediately destroy any downloaded and printed materials.
No license of any kind is granted in this Site to use any of the SM Solutions (www.smsolutions.ca) trademarks found on the Site, other than as part of your browsing of the site. This Site contains third party trademarks which also cannot be used without permission from the respective trademark owner(s).
Any unauthorized use of any material contained on this Site may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. Any claim relating to, and the use of, this Site and the materials contained herein is governed by the laws of the province of Ontario, and the laws of Canada applicable therein.
SOFTWARE
Use of any software that is downloaded from the Site is governed by an End User License Agreement ("EULA") that you must agree to in order to load the software. If you download a patch from this site, the patch is governed by the license agreement which accompanied the software to which the patch applies. Any software or PDF forms that are downloaded without a EULA attached, are subject to the EULA found on the Site.
USE OF MATERIALS, DOCUMENTS AND PDFs
You may use materials on this site such as FAQs, Articles, Presentations and PDF forms provided:
1) You retain any copyright notice and, if none is present, then you must add statement that the material is copyrighted by SM Solutions (www.smsolutions.ca);
2) your use of any material is for informational, non-commercial or personal use only and you will not copy, post or broadcast them in any media unless SM Solutions (www.smsolutions.ca) approves in advance, in writing; and
3) you do not modify any material in any way.
The permission granted above does not include the right to use the design or layout of this Site or that of any other website owned or designed by SM Solutions (www.smsolutions.ca)
CURRENCY OF INFORMATION
While committed to providing a great depth of information, SM Solutions (www.smsolutions.ca) undertakes no responsibility whatsoever to keep current any information on this Site. Information found on the Site is current as of the date that it was added to the SM Solutions (www.smsolutions.ca) database for use on the Site. Due to the fact that laws vary from jurisdiction to jurisdiction and are constantly being amended or repealed, and financial and wealth management strategies and theories can change or differ as a result of personal preference or market conditions, certain information found on this Site may no longer be applicable or current. Please do not, therefore, assume that any information displayed on the Site is current.
If any material is changed on the Site, it will be done without providing any notice that information has changed. Furthermore, SM Solutions (www.smsolutions.ca) is under no obligation to inform users how any such change may affect other information found on this Site.
DISCLAIMER OF WARRANTY
THE MATERIALS ON THIS SITE ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT POSSIBLE PURSUANT TO THE APPLICABLE LAW, SM SOLUTIONS (WWW.SMSOLUTIONS.CA) DISCLAIMS ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR OTHER VIOLATION OF RIGHTS. SM SOLUTIONS (WWW.SMSOLUTIONS.CA) DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE, VALIDITY, ACCURACY, OR RELIABILITY OF, OR THE RESULTS OF THE USE OF, OR OTHERWISE RESPECTING, THE MATERIALS ON THIS SITE OR ANY SITES LINKED TO THIS SITE.
LIMITATION OF LIABILITY
UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL SM SOLUTIONS (WWW.SMSOLUTIONS.CA) BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOSS OF DATA OR PROFIT, ARISING OUT OF THE USE, OR THE INABILITY TO USE, THE MATERIALS ON THIS SITE, EVEN IF SM SOLUTIONS (WWW.SMSOLUTIONS.CA) OR A SM SOLUTIONS (WWW.SMSOLUTIONS.CA) AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOUR USE OF MATERIALS FROM THIS SITE RESULTS IN THE NEED FOR PROFESSIONAL CONSULTATION, SERVICING, REPAIR OR CORRECTION OF EQUIPMENT OR DATA, YOU ASSUME ANY COSTS THEREOF. SOME PROVINCES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES OR THE EXCLUSION OF LIABILITY IN CERTAIN CIRCUMSTANCES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.
YOUR TRANSMISSIONS
Any material, information or idea you transmit to or post on this Site by any means will be treated as non-proprietary and non-confidential and may be used by SM Solutions (www.smsolutions.ca) or its affiliates for any purpose whatsoever, including, but not limited to, developing, manufacturing and marketing products. You are prohibited from posting or transmitting to or from this Site any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material, or any other material that could give rise to any civil or criminal liability under the law.
PRIVACY
There are places and features on the Site that will require submission of personally identifying information. A description of the information we collect and what we will do with that information is found in our Privacy Statement.
MISCELLANEOUS
These terms and conditions shall be governed by and construed in accordance with the laws of the Province of Ontario, Canada, excluding its conflicts of law principles.
TERMS OF USE REVISIONS
SM Solutions (www.smsolutions.ca) may at any time revise these Terms of Use by updating this posting. By using this Site, you agree to be bound by any such revisions and should therefore periodically visit this page to determine the then current Terms of Use to which you are bound.
USE RESTRICTIONS/COPYRIGHT/TRADEMARKS
The copyright in all material provided on this Site is held by SM Solutions (www.smsolutions.ca) or by the original creator of the material. Except as stated herein, none of the material may be copied, reproduced, distributed, republished, translated, downloaded, displayed, posted, communicated to the public by telecommunication or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of SM Solutions (www.smsolutions.ca) or the copyright owner.
Permission is granted to display, copy, distribute and download the materials on this Site for personal, non-commercial use only provided you do not modify the materials and that you retain all copyright, trademark and other proprietary notices contained in the materials. You also may not, without SM Solutions (www.smsolutions.ca) permission, "mirror" any material contained on this Site on any other server. This permission terminates automatically if you breach any of these terms or conditions. Upon termination, you will immediately destroy any downloaded and printed materials.
No license of any kind is granted in this Site to use any of the SM Solutions (www.smsolutions.ca) trademarks found on the Site, other than as part of your browsing of the site. This Site contains third party trademarks which also cannot be used without permission from the respective trademark owner(s).
Any unauthorized use of any material contained on this Site may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. Any claim relating to, and the use of, this Site and the materials contained herein is governed by the laws of the province of Ontario, and the laws of Canada applicable therein.
SOFTWARE
Use of any software that is downloaded from the Site is governed by an End User License Agreement ("EULA") that you must agree to in order to load the software. If you download a patch from this site, the patch is governed by the license agreement which accompanied the software to which the patch applies. Any software or PDF forms that are downloaded without a EULA attached, are subject to the EULA found on the Site.
USE OF MATERIALS, DOCUMENTS AND PDFs
You may use materials on this site such as FAQs, Articles, Presentations and PDF forms provided:
1) You retain any copyright notice and, if none is present, then you must add statement that the material is copyrighted by SM Solutions (www.smsolutions.ca);
2) your use of any material is for informational, non-commercial or personal use only and you will not copy, post or broadcast them in any media unless SM Solutions (www.smsolutions.ca) approves in advance, in writing; and
3) you do not modify any material in any way.
The permission granted above does not include the right to use the design or layout of this Site or that of any other website owned or designed by SM Solutions (www.smsolutions.ca)
CURRENCY OF INFORMATION
While committed to providing a great depth of information, SM Solutions (www.smsolutions.ca) undertakes no responsibility whatsoever to keep current any information on this Site. Information found on the Site is current as of the date that it was added to the SM Solutions (www.smsolutions.ca) database for use on the Site. Due to the fact that laws vary from jurisdiction to jurisdiction and are constantly being amended or repealed, and financial and wealth management strategies and theories can change or differ as a result of personal preference or market conditions, certain information found on this Site may no longer be applicable or current. Please do not, therefore, assume that any information displayed on the Site is current.
If any material is changed on the Site, it will be done without providing any notice that information has changed. Furthermore, SM Solutions (www.smsolutions.ca) is under no obligation to inform users how any such change may affect other information found on this Site.
DISCLAIMER OF WARRANTY
THE MATERIALS ON THIS SITE ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT POSSIBLE PURSUANT TO THE APPLICABLE LAW, SM SOLUTIONS (WWW.SMSOLUTIONS.CA) DISCLAIMS ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR OTHER VIOLATION OF RIGHTS. SM SOLUTIONS (WWW.SMSOLUTIONS.CA) DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE, VALIDITY, ACCURACY, OR RELIABILITY OF, OR THE RESULTS OF THE USE OF, OR OTHERWISE RESPECTING, THE MATERIALS ON THIS SITE OR ANY SITES LINKED TO THIS SITE.
LIMITATION OF LIABILITY
UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL SM SOLUTIONS (WWW.SMSOLUTIONS.CA) BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOSS OF DATA OR PROFIT, ARISING OUT OF THE USE, OR THE INABILITY TO USE, THE MATERIALS ON THIS SITE, EVEN IF SM SOLUTIONS (WWW.SMSOLUTIONS.CA) OR A SM SOLUTIONS (WWW.SMSOLUTIONS.CA) AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOUR USE OF MATERIALS FROM THIS SITE RESULTS IN THE NEED FOR PROFESSIONAL CONSULTATION, SERVICING, REPAIR OR CORRECTION OF EQUIPMENT OR DATA, YOU ASSUME ANY COSTS THEREOF. SOME PROVINCES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES OR THE EXCLUSION OF LIABILITY IN CERTAIN CIRCUMSTANCES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.
YOUR TRANSMISSIONS
Any material, information or idea you transmit to or post on this Site by any means will be treated as non-proprietary and non-confidential and may be used by SM Solutions (www.smsolutions.ca) or its affiliates for any purpose whatsoever, including, but not limited to, developing, manufacturing and marketing products. You are prohibited from posting or transmitting to or from this Site any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material, or any other material that could give rise to any civil or criminal liability under the law.
PRIVACY
There are places and features on the Site that will require submission of personally identifying information. A description of the information we collect and what we will do with that information is found in our Privacy Statement.
MISCELLANEOUS
These terms and conditions shall be governed by and construed in accordance with the laws of the Province of Ontario, Canada, excluding its conflicts of law principles.
TERMS OF USE REVISIONS
SM Solutions (www.smsolutions.ca) may at any time revise these Terms of Use by updating this posting. By using this Site, you agree to be bound by any such revisions and should therefore periodically visit this page to determine the then current Terms of Use to which you are bound.