Terms of Use

This website and its content have been provided solely by Valley-Wide Financial Corp.. The content is the opinion of Valley-Wide Financial Corp. and is not necessarily the opinion of its advisors and should not be considered representative of the beliefs, opinions or recommendations of affiliates of Valley-Wide Financial Corp. This website is intended for viewing only in those jurisdictions where Valley-Wide Financial Corp. is registered with the provincial and/or territorial licensing bodies and may be accessed and used only by persons in British Columbia, Canada. The website is provided for information purposes only and should not be construed to offer any solicitation or advice for the sale of products, or relied upon for advice concerning business, financial, legal, accounting or tax matters or any other purpose. It is not comprehensive, neither is it a detailed statement concerning any of the topics addressed. Users are advised to seek professional advice before acting on any information contained on this website.

Disclaimer

The content in this website is provided by Valley-Wide Financial Corp. Valley-Wide Financial Corp., affiliates and agents disclaim any liability for losses or damages, whether direct or indirect, specifically or consequentially incurred by any user of this website. Factual data, information or statistics in this website are from sources Valley-Wide Financial Corp. believes to be reliable but errors may occur and information may become out of date. Valley-Wide Financial Corp. does NOT guarantee the accuracy, quality, timeliness or completeness of the information available either on the website or through links to other sources. This website is provided on the basis and understanding the neither Valley-Wide Financial Corp. or any affiliates are under liability whatsoever in respect thereof and under no circumstances will any parties to the website be liable to you or any other person for any direct or indirect, special or incidental, specific or consequential, punitive or exemplary loss or damage arising from or relating to the website.
By the act of accessing this website, all and any user, releases Valley-Wide Financial Corp., officers, employees, agents and all related companies from any claims and proceedings for any such losses, damages or consequences. Service provided by Valley-Wide Financial Corp. may be changed at any time and information may change on this site without prior notice.
Valley-Wide Financial Corp. strives to make your use of the website a useful and enjoyable experience. Nevertheless, we do NOT accept any liability for your use of the website. For that reason, the following provisions apply to matters arising from, connected with or relating to the website:
You access and use the Website at your own risk. The Website is provided on an "as is" and "as available" basis, without any representations, warranties or conditions of any kind, whether express or implied. This includes, without limitation implied representations, warranties or conditions of or relating to accuracy, accessibility, availability, completeness, durability, errors, fitness for a particular purpose, lack of negligence, merchantability, non-infringement, performance, quality, results, security, sequence, service, timeliness, title, uninterrupted service, viruses or workmanlike effort, all of which are hereby waived by you and disclaimed by Valley-Wide Financial Corp. to the fullest extent permitted by law. There will not be any representations, warranties or conditions created by a course of dealing, course of performance or trade usage.
Without limiting the generality of the above, Valley-Wide Financial Corp. makes no representation, warranty, condition or guarantee pertaining to:

1. Compatible with your computer and related equipment and software;
2. Available or functioning without interruption or that it will be free of errors or that any errors will be corrected;
3. the website meeting your requirements;
4. information as available, timely, uninterrupted, sequential, accurate, authentic or complete;
5. access to and use of the website being free of viruses, trojan horses, worms or other destructive or disruptive components and will not

infringe the rights (including intellectual property rights) of any person;
and Valley-Wide Financial Corp. disclaims any and all liability regarding such matters to the fullest extent permitted by law.
Certain documents and information available on, through or in connection with the website including statements which contain words such as "could", "expect", "believe", "plan", "may", "will" and similar expressions, and statements relating to matters that are not historical facts, are forward-looking statements. Actual results, performances or achievements may be materially different from results, performances or achievements expressed or implied by such forward-looking statements. Forward-looking statements are qualified by known and unknown risks and uncertainties surrounding future expectations. These include but are not limited to risks associated with general industry and market conditions and growth rates; international growth and global economic conditions, including interest rate and currency exchange rate fluctuations; adverse regulatory action; technological change; taxation; availability of sufficient funding; and generation of operating cash flow sufficient to provide financial viability. We disclaim any intention or obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.
You should verify the accuracy of information available on, through or in connection with the website before making any transaction based upon such information. The Internet is not a secure medium. It may be subject to interruption and disruption, and inadvertent or deliberate breaches of security and privacy. The operation of the website may be affected by numerous factors beyond our control, and may not be continuous or uninterrupted, secure or private.
We are not responsible for monitoring the website and are not responsible or liable for any changes to the website without our consent.

Confidentiality

This website is not secure and should not be considered a secure medium for communication. Notice to carry out instructions may require signature and/or advice and are NOT be provided by email as they may not be acted upon at all or may not be acted upon in a timely manner. Any confidential, proprietary or sensitive information transmitted by a user by means of this website might be read and copied by unauthorized persons. Valley-Wide Financial Corp. cannot ensure the privacy, accuracy or authenticity of any information or instructions sent over the Internet. Only Canadian laws apply to this website and to the use of this website by any user, regardless of the domicile, residence or physical location of the user.

Privacy

Personal information is not collected on the website other than contact information as provided by the user requesting contact. Any information collected is not sold disclosed to any third party. By complying with the provisions of Canada's Personal Information Protection and Electronic Documents Act (PIPEDA). The following principles are adhered to in the normal course of business:

Accountability. Responsible for maintaining and protecting the personal information collected.
Identifying Purposes. The purpose for which personal information is being collected will be explained either before or when it is collected.
Consent is obtained to collect, hold, use and disclose personal information.
Limiting Collection to what is needed for the purpose of carrying out client instructions.
Limiting Use, Disclosure and Retention to what is needed only for the purpose identified, or when it is required or permitted by law. Information is retained only for as long as is necessary for the fulfillment of this purpose.
Accuracy. Personal information is kept as accurate, complete and up to date as is necessary for these purposes.
Safeguards: appropriate safeguards and security measures are use to protect information from unauthorized access.

Agreement

1. Acceptance of Agreement: For the purposes of this agreement, "person" includes individuals and any type of incorporated or unincorporated entity. This is an agreement between you and all persons you represent and Valley-Wide Financial Corp. regarding your access to and your use of the website and all content, information, products and services available on or through the website. Each time you use the website you signify your acceptance and agreement and the acceptance and agreement of any person you represent, without limitation or qualification, to be bound by this agreement as it reads at that time. You confirm that you have the legal authority to agree to and accept this agreement on behalf of yourself and any person you represent. If you do not agree with each provision of this agreement, or if you are not authorized to agree to and accept this agreement on behalf of the person you represent, you may not access or use the website.
2. Permission to Use website: The website may be accessed and used only by persons in the British Columbia, Canada. Products and services referred to on the website are available only in Canada and are not intended for or available to persons who reside or are located outside of Canada. Access to the website from locations where the website is illegal is prohibited. Persons who access the website must inform themselves about and observe the laws that apply in the jurisdictions where they are accessing and using the website.

Access to the website is intended only for individuals who:

• have reached the age of majority in their jurisdiction of residence;
• can form legally binding contracts under applicable law; and
• have accepted this agreement.

3. Changes to Agreement: Valley-Wide Financial Corp. may in their discretion make changes or amendments or supplement this agreement at any time without any prior notice or liability to you or any other person. By using the website after revisions, you signify your acceptance and agreement, and the acceptance and agreement of all persons you represent, without limitation or qualification, to be bound by the revised agreement. You represent and warrant that you have the legal authority to agree to and accept the revised agreement on behalf of yourself and all persons you represent. If you do not agree with each provision of the revised agreement, or you are not authorized to agree to and accept the revised agreement, you may not use the website. You may not change, supplement, or amend this agreement in any way.
4. Non-Advice: The Website is for informational and demonstrative purposes only. The Website is not a comprehensive or detailed statement concerning the matters addressed; investment, tax, banking, accounting, financial, securities, legal, or other professional or expert advice or recommendations. You should obtain appropriate professional advice before acting or omitting to act based upon any information provided on or though the website.
5. Errors and Omissions: Valley-Wide Financial Corp. endeavours to provide accurate information on and through the website, but errors may occur and information may become out of date. The accuracy, completeness, or timeliness of the information available on or through the website do not guaranteed. We may change the information available on or through the website at any time or from time to time and without notifying or being liable to you or any other person. You may obtain complete and up-to-date information about the products, services and other matters referenced on the website by contacting our office. The information available on or through the Website is not the official version of any of our disclosure documents required by applicable investment or insurance or other laws, and may not be the most current source of information about us or our products and services.
6. Email and Security: You are solely responsible and liable for setting-up, maintaining and regularly reviewing security arrangements concerning your access to and use of the website and information stored on your computing and communications systems. You will not do anything that might compromise the security of the website or the systems or security of any other users of the website. Email is not secure or confidential unless properly encrypted. Consequently, we discourage the use of email to send us personal or financial information. If you use email for those purposes, you do so at your own risk. We will not be responsible or liable to you or any other person for any loss or damage suffered as a result of your use of email to communicate with us, or our use of email to communicate with you or other persons at your request.
7. Indemnity: You will indemnify, defend and hold Valley-Wide Financial Corp. harmless from and against any and all liabilities, expenses and costs, including without limitation reasonable legal fees and expenses, incurred by us in connection with any claim or demand arising out of, related to, or connected with your access to or use of the website, your breach of this agreement, or any wrongful conduct by you or any person for whom you are responsible under this agreement or at law. You will assist and co-operate as fully as reasonably required by us in the defense of any such claim or demand.
8. Acknowledgement: You acknowledge and agree that this Agreement represents a fair allocation of risk and liability. Advice and information provided by us, whether oral or written, will not create any representation, warranty, condition or guarantee or vary or amend this Agreement, including the above disclaimers, liability exclusions, liability limitations, indemnity provisions, and you may not rely upon any such advice or information.

The exclusion of certain warranties and conditions and the exclusion or limitation of certain liabilities is prohibited by law in some jurisdictions. Such limitations may apply to you.
9. Use and Ownership of information: The website and all content (including information in text, graphical, video and audio forms, images, icons, software, designs, applications, calculators, models, data, and other elements) available on or through the website are the property of Valley-Wide Financial Corp. and others, and are protected by Canadian and international copyright, trademark and other laws. Your use of the website does not transfer to you any ownership or other rights in the website or its content. The website and its content are made available to you for your lawful, personal use only. You may use the website only in the manner described expressly in this agreement and subject to all applicable laws. Using the website for any other purpose or in any other manner is strictly prohibited. You may print the pages of the website for your personal use provided that you do not modify any of the content and you do not remove or alter any visible or non-visible identification, marks, notices, or disclaimers. You may not copy, imitate, reproduce, republish, upload, post, transmit, modify, index, catalogue, mirror or distribute the website in any way, without our express prior written permission. You may not reproduce, copy, duplicate, sell, or resell any part of the website or access to the website. You may not use any of the software that is used in the operation or provision of the website except while you are using the website in accordance with this agreement.
10. Records of Valley-Wide Financial Corp.: Our records are, unless proven to be wrong, conclusive evidence of your use of the website and the information available on, through or in connection with the website. You will not object to the admission of our records as evidence in any legal proceeding on the ground that such records are not originals, are not in writing, are hearsay, or are documents containing information extracted from a computer.
11. Links and external references: Links and references to products, services or publications on other websites are for convenience only and do not imply endorsement or approval by Valley-Wide Financial Corp or affiliates. You use the links to external sites at your own risk. All links are for information purposes only and Valley-Wide Financial Corp. and affiliates are not responsible for, nor does it endorse, third-party websites, materials or professionals. You will not make any claim against us arising from, connected with, or relating to your use of external sites. The provisions under Disclaimers and Indemnity apply, with all necessary modifications, to your access to and use of external sites, their business, goods, services and content.

The website is maintained and administered by Valley-Wide Financial Corp., Abbotsford, British Columbia, Canada. Products and services referenced on the website are available only in certain jurisdictions in Canada, and are not intended for or available to persons who resident in other jurisdictions.
12. No links: Links to the website without our express written permission are strictly prohibited. To request permission to link to the website, please send an email to advisor_services@valley.bc.ca. We may in our discretion cancel and revoke any permission we may give to link to the Website at any time and without any notice or liability. You may not use any collaborative browsing or display technologies in connection with your use of the website or to post comments, communications, or any other data of any kind to or on the website with the intention that such postings may be viewed by other users of the Website.
13. Comments and Suggestions: Valley-Wide Financial Corp. welcomes your comments and suggestions regarding the Website. However, by submitting any comments, ideas, suggestions or other materials (Submissions), you automatically grant (or warrant that the owner of the Submissions grants) to us a perpetual, irrevocable royalty free, right and license to use any ideas or know-how submitted for any purpose whatsoever without liability or credit to you and without restriction.
14. Termination and/or Changes: Notwithstanding any other provision of this agreement, we may in our discretion change, discontinue, modify, restrict, suspend or terminate the website or any part of it without notifying or being liable to you or any other person.
15. Dispute Resolution and Governing Laws: This agreement to access to and use of the website, and all related matters are governed solely by the laws of British Columbia, Canada and applicable federal laws of Canada, excluding any rules of private international law or the conflict of laws that would lead to the application of any other laws. The United Nations Convention On Contracts For The International Sale Of Goods does not apply. Any dispute arising from, connected with or relating to the website, this agreement or any related matters (collectively "Disputes") will be resolved before the Courts of British Columbia, and you hereby irrevocably submit and attorn to the original and exclusive jurisdiction of those courts in respect of all Disputes. Proceedings regarding a Dispute must be commenced in a court of competent jurisdiction in British Columbia, Canada within one (1) year after the Dispute arose, after which time any and all proceedings regarding the Dispute are barred.