Legal Notices and Terms of Use

  1. Legal notice and terms of use binding

    By accessing this website of CI Investments Inc. (“CI”) and any pages hereof, you agree to be bound by the terms of this Legal Notice and Terms of Use (the “Terms”). If you do not agree with the Terms, do not use this website or any pages hereof. Your first use of this website or any of its pages will act as your acceptance of, and agreement to be bound by, the Terms (as amended from time to time). CI, in our sole discretion, may modify, alter, delete or otherwise update the Terms at any time without notice to you by updating this posting and you agree to be bound by such modifications, alterations, deletions or updates. Accordingly, you agree to review the Terms each time you access this website.

  2. Material to be consulted in its entirety

    All materials on this website are meant to be reviewed in their entirety, including any footnotes, legal disclaimers, restrictions or disclosures, and any copyright or proprietary notices. Any disclaimers, restrictions, or disclosures apply to any partial document or material in the same manner as they do the whole, and will be deemed incorporated in the portion of any material or document that you consult or download.

  3. Non-Canadian investors

    CI products and services are only offered in jurisdictions where they may be lawfully offered for sale. All products and services are subject to terms of each and every applicable agreement. It is important to note that not all products, services and information are available in all jurisdictions outside Canada. This site should not be considered an offer to sell or solicitation to buy any investment fund or other product, service or information to anyone in any jurisdiction in which an offer or solicitation is not authorized or cannot be legally made or to any person to whom it is unlawful to make an offer or solicitation. Prospective investors who are not resident in Canada should consult with their financial advisor to determine whether these products and services may be lawfully sold in their jurisdiction.

  4. No advice

    Information provided on this website (the “Information”) is intended for informational purposes only and should not be considered investment, financial, legal, tax or accounting advice, and should not be relied upon in that regard. Many factors unknown to CI may affect the applicability of any statement or comment made on this website to your particular circumstances. You should not rely on the Information for investment, financial, legal, tax or accounting advice. You should directly consult your financial professional or other advisors before acting on any Information. Information on this website is being provided with the understanding that CI is not acting in a fiduciary capacity.

  5. Waiver of liability

    Under no circumstances will CI be liable to you or any other party for any direct, indirect, special, incidental, consequential or punitive damages, or any other damages whatsoever, arising out of or relating to the use of, misuse of or inability to use this website (or a website linked to this website), or any action or decision made by you in reliance on this website or the Information contained herein, or any errors in or omissions from this website or the Information contained herein. Without limiting the foregoing, CI will not be responsible or liable for any loss of revenue, profit or prospective economic advantage resulting from the use of, misuse of or inability to use this website (or a website linked to this website) or any action or decision made by you in reliance on this website or the Information, or any errors in or omissions from this website or the Information, even if advised of the possibility of such damages or such damages are reasonably foreseeable.

  6. No representation, warranty or condition

    CI does not warrant and is not responsible for the accuracy, completeness, quality, adequacy, timeliness or use of any Information. All Information is provided "as is" without representation, warranty or condition of any kind, whether express, implied or statutory. You are responsible for evaluating the accuracy, completeness, quality, adequacy, timeliness and use of any Information.

    Unless otherwise expressly indicated, all Information is unaudited and there is no representation that the financial information has been prepared in accordance with generally accepted accounting principles.

    FURTHERMORE, CI DOES NOT REPRESENT OR WARRANT THAT THE WEBSITE WILL BE AVAILABLE AND MEET YOUR REQUIREMENTS, THAT ACCESS WILL BE UNINTERRUPTED, THAT THERE WILL BE NO DELAYS, FAILURES, ERRORS (INCLUDING TYPOGRAPHICAL) OR OMISSIONS OR LOSS OF TRANSMITTED INFORMATION, THAT NO VIRUSES OR OTHER CONTAMINATING OR DESTRUCTIVE PROPERITES WILL BE TRANSMITTED OR THAT NO DAMAGE WILL OCCUR TO YOUR COMPUTER SYSTEM. YOU HAVE THE SOLE RESPONSIBILITY FOR ADEQUATE PROTECTION AND BACKUP OF DATA AND/OR EQUIPMENT AND TO TAKE REASONABLE AND APPROPRIATE PRECAUTIONS TO SCAN FOR VIRUSES OR OTHER DESTRUCTIVE PROPERTIES. CI assumes no responsibility and shall not be liable for any damages to or viruses that may infect your computer equipment or other property as a result of you accessing, using, browsing or downloading of any materials, data, text, or images from this website.

  7. Changes to website

    Unless otherwise agreed, CI may discontinue or modify this website at any time without prior notice to you, and you accept those modifications if you continue to use the website.

    All content on this website is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.

  8. No duty to update

    Information provided on this website is believed to be reliable and accurate at the time it is posted. However, CI does not guarantee that the Information is accurate, complete or current at all times. CI does not undertake to advise you of any change in the reported Information or in the opinions herein.

  9. Confidentiality (Internet and email)

    Please be advised that trading instructions should not be communicated via e-mail, and if received will not be acted upon. Without the use of secure encryption, the Internet is not a secure medium and privacy cannot be ensured. Internet e-mail is vulnerable to interception and forging. CI cannot ensure the privacy and authenticity of any information, and will not accept any instructions sent over the Internet. CI will not be responsible for any damages you may incur if you communicate confidential information to us over the Internet or if we communicate such information to you at your request.

  10. No endorsement of third party or its website

    No endorsement or approval of any third party or its advice, opinions, information, products or services, either by way of listing such third party on this website or by way of a link to other websites or otherwise, is expressed or implied by this website or any Information. Your use of the linked third party websites may be subject to terms and conditions contained in those websites, which you should locate and carefully review.

  11. Third parties

    Sites accessed by hyperlink appearing in this website have been independently developed by parties other than CI and CI is not responsible for, and makes no representations, warranties or conditions concerning, the contents of any linked website or any link contained in a linked website. It is your responsibility to verify any Information contained within the links before relying on it. Also, the Information contained in the links may be changed or updated at any time without notice.

    Complete confidentiality and security is not yet possible over the Internet. CI advises that the Internet is not a secure medium and privacy cannot be ensured. CI and its affiliates will not be responsible for any damages you may suffer if you transmit confidential or sensitive information to us. Linking to any other site is at your own risk, and CI will not be responsible or liable for any damages in connection with linking.

    ivari is the sole issuer of the individual variable annuity contracts providing for investment in CI Guaranteed Investment Funds and Legacy Funds. A description of the key features of the applicable individual variable annuity contract is contained in the CI Guaranteed Investment Funds or Legacy Funds Information Folder.

    Foresters Life Insurance Co. has entered into an agreement with CI pursuant to which CI is responsible for certain marketing and administrative services in relation to the CI Segregated Funds. Foresters Life Insurance Co. established the individual variable annuity contract providing for investment in the CI Segregated Funds. A description of the key features of the individual variable annuity contract is contained in the CI Segregated Funds Information Folder.

    Sun Life Assurance Company of Canada, a member of the Sun Life Financial group of companies, is the sole issuer of the individual variable annuity contracts providing for investment in SunWise, SunWise Elite, SunWise Essential Series and Clarica segregated funds. A description of the key features of the applicable individual variable annuity contract is contained in the SunWise or Clarica Information Folder.

    Any amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value.

    If you are a Canadian resident, you can obtain the applicable Information Folder from a licensed life agent or from CI by calling 1-800-268-9374.

  12. Copyright

    You should assume that everything you see or read on the website is copyrighted unless otherwise noted. Users of CI’s website shall only be entitled to copy material for their own personal use provided that you do not modify the content and that you display all copyright and other proprietary notices contained in the content. You may download site content for your activities as a financial advisor provided you keep intact all copyright and other proprietary notices.

    Users may not republish nor reproduce any substantial part of the website in any manner whatsoever, including electronically reproducing the material by “uploading”, “downloading” or accessing the material on to the Internet or any other local or international computer system, without the prior written permission of CI. An acknowledgment of the source must be included whenever CI material is copied or published. If you require further information on a permitted use or license to reproduce or republish any material, address your inquiry to the Marketing Department, CI Investments Inc., 2 Queen Street East, 20th Floor Toronto, ON M5C 3G7. Any infringement of CI’s rights will result in appropriate legal action. CI disclaims any and all liability for any consequences which may result from any unauthorized reproduction or use of this website whatsoever.

    You may not modify copy, reproduce, publish, upload, post, transmit, distribute, or commercially exploit in any way any site content, including code and software. Unauthorized downloading, re-transmission, storage in any medium, copying, redistribution, or republication for any purpose is strictly prohibited without the written permission of CI.

  13. Trademarks

    Certain names, words, phrases, graphics or designs in this website may constitute trade names, registered or unregistered trademarks or service marks (collectively, "Trademarks") of CI. The following are registered trademarks of CI in Canada: CI Financial, CI Investments, the CI Investments design, Cambridge, Harbour Funds, Harbour Advisors, Insight, Insight Program, Global Managers, American Managers, Skylon, Synergy Mutual Funds, Legacy Funds, CI Guaranteed Investment Funds and the lock design. The following are trademarks of CI in Canada: Portfolio Select Series, Portfolio Series, Sentry, Sentry Investments, the Sentry Investment Management logo, Signature Global Asset Management and Signature Funds.

    ™ivari and the ivari logos are trademarks of ivari Canada ULC. ivari is licensed to use such marks.

    ®SunWise and Clarica are registered trademarks of Sun Life Assurance Company of Canada.

    ®True North, Fidelity Northstar, Disciplined Equity and Fidelity Investments are registered trademarks of Fidelity Management & Research Co.

    ®Franklin Templeton Investments Quotential Program and Franklin Templeton Investments and design are registered trademarks of Franklin Templeton Investments Corp.

    ®Dynamic Funds is a registered trademark of its owner, used under license, and a division of GCIC Ltd. GCICL does not warrant or make any representations regarding the use or the results of the information contained herein in terms of its correctness, accuracy, timeliness, reliability, or otherwise.

    ™TD Asset Management is a trademark of The Toronto-Dominion Bank, used under licence.

    The display of trademarks herein does not imply that a licence of any kind has been granted.

  14. Use of intellectual property rights

    CI either owns the intellectual property rights in the underlying HTML, text images, audio clips, video clips, software and other content that is made available to you on our website, or has obtained the permission of the owner of the intellectual property in such content to use the content on our website.

    CI grants you a non-exclusive, personal, non-transferable, non-sublicensable, limited and revocable right to display on your computer, print, download and use the underlying HTML, text, images, audio clips, video clips, software and other content that is made available to you on our website for your personal, educational and non-commercial use only, provided that you do not modify any such content and you include with and display on each copy of such content the associated copyright notice and this intellectual property notice. No other use is permitted.

    You may not publicly perform, publicly display, transmit, publish, participate in the sale or transfer of, modify, or create derivative works based on anything available through the website, in whole or in part. You are prohibited from storing electronically any significant portion of any part of the website. No reverse engineering, linking, framing, or modification of any part of this website is allowed without our written approval. Any modification or unauthorized use is a violation of CI’s intellectual property rights and other proprietary rights.

  15. Grant of license by you

    By submitting any information or content to CI, or engaging in any other form of communication on the website or through services on the website (collectively, “Submissions”), you grant to us and our affiliates a royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide right and license (and all rights to sublicense) to: use, store, copy, sublicense, modify, adapt, edit, publish, translate, create derivative works from, transmit, distribute, publicly and privately perform and display any such communication (in whole or in part) and/or to incorporate it in other works in any form, format, media, or technology now known or later developed; provided, however, that with respect to personally identifiable information, this license shall not apply and CI shall comply with the terms set forth in the Privacy Policy.

    The foregoing grants include the right to exploit any proprietary rights in such Submissions, including but not limited to rights under copyright, trademark, service mark or patent laws under any relevant jurisdiction and will survive any termination of your access to the website.

    You also warrant that the holder of any rights, including moral rights in such content, has completely and effectively waived all such rights and validly and irrevocably granted to you the right to grant the license above. Subject to the foregoing, the owner of any Submissions retains any and all rights that may exist in such content.

  16. Use of web login IDs, user IDs and passwords

    If you are issued a Web Login ID, User ID or Password to enable you to access particular services, you are solely responsible for ensuring the safety and security of the access codes. You are not permitted to use the access codes for any purposes other than to receive the particular service offered by CI for which the access codes were issued. You are not authorized or permitted to share the access codes with any other party. In the event any access codes are lost, stolen or wrongfully accessed, you must immediately notify CI.

  17. Indemnity

    You agree to indemnify, defend, and hold harmless CI, its subsidiaries and affiliates and their officers, employees, directors, agents, and content providers from and against any and all claims, damages, costs, or other expenses (including reasonable attorney’s fees) that arise directly or indirectly out of or from your activities in connection with the website or the Information, including without limitation any breach of these terms (including without limitation any representation or warranty made by you in these terms).

  18. Mutual fund disclosure

    Each mutual fund has a simplified prospectus, which contains important information about the fund, including its investment objectives, purchase options and applicable charges. Please read the prospectus of the funds in which investments may be made before investing. If you are a Canadian resident, you can obtain the applicable simplified prospectus for each mutual fund from your financial advisor or from CI by calling 1-800-268-9374.

    Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise indicated and except for returns for periods less than one year, the indicated rates of return are the historical annual compounded total returns including changes in security value. All performance data assume reinvestment of all distributions or dividends and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any securityholder that would have reduced returns. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Mutual fund securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that money market funds will be able to maintain their net asset value per security at a constant amount or that the full amount of your investment in these funds will be returned to you.

  19. Investments by the funds in CI Financial Corp. and other related companies and other conflict disclosures

    The mutual funds managed by CI have received permission from the Canadian securities regulators to invest in securities of CI Financial Corp. and other Related Companies (each a “Related Company”). In connection with such investments, CI has established an independent review committee (the “IRC”) comprised of James M. Werry, Stuart P. Hensman, John Reucassel, Mary M. Robertson and Karen Fisher.

    Each member of the IRC is independent of CI in that none has a direct or indirect material relationship with CI, a fund or any of their respective associates or affiliates. The purpose of the IRC is to review the decisions made on behalf of each fund to purchase, sell or continue to hold securities of a Related Company and to form an opinion whether such decisions were, and continue to be, in the best interest of the fund and: (a) represent the business judgment of the fund’s portfolio advisor, uninfluenced by considerations other than the best interests of the fund, (b) have been made free from any influence by a Related Company and without taking into account any consideration relevant to a Related Company, and (c) do not otherwise exceed the limitations of applicable law. The IRC will advise the Canadian securities regulators if the IRC determines that any investment does not meet the criteria described above, or if any other condition of the permission to make such investments has not been satisfied, together with any action that the IRC or the fund’s portfolio advisor has taken or proposes to take following such a determination.

    In carrying out their responsibilities, the members of the IRC will exercise their powers and discharge their duties honestly, in good faith and in the best interests of the funds and, in so doing, will exercise the degree of care, diligence and skill that a reasonably prudent person would exercise in the circumstances. All members of the IRC currently are members of the Board of Governors maintained by CI and, as such, are paid a fixed annual fee which is allocated to all mutual funds under our management (generally pro rata based upon their relative net asset values). There is no intention to pay the members of the IRC any compensation in addition to their usual compensation as members of the Board of Governors.

    For a complete list of CI’s related and connected companies, see CI’s Statement of Policies.

    For other conflict disclosures, see CI’s Conflicts of Interest Policies and Procedures Under NI 31-103.

  20. Trident Investment Management, LLC

    Nothing herein should be read to constitute an offer or solicitation by Trident Investment Management, LLC or its principal to provide investment advisory services to any person or entity.

  21. Divisions of CI

    Each of Cambridge Global Asset Management, CI Multi-Asset Management, Harbour Advisors, Sentry Investments and Signature Global Asset Management is a division of CI. Certain funds associated with Cambridge Global Asset Management or Harbour Advisors are sub-advised by CI Global Investments Inc., a firm registered with the U.S. Securities and Exchange Commission and an affiliate of CI. Certain portfolio managers of CI Global Investments Inc. are associated with Cambridge Global Asset Management or Harbour Advisors.

  22. Morningstar Star Ratings

    Morningstar Star Ratings reflect performance as of a particular date and are subject to change monthly. The ratings are an objective, quantitative measure of a fund's historical risk-adjusted performance relative to other funds in its category. Only funds with at least a three-year track record are considered. Ratings are calculated based on a fund’s three-, five- and ten-year performance returns, as available. The overall rating is a weighted combination of the three-, five- and ten-year ratings. A fund can only be rated if there are a sufficient number of funds in its peer group to allow comparison for at least three years. For each time period, the top 10% of the funds in a category get five stars. For more details on the calculation of Morningstar Star Ratings, see morningstar.ca.

  23. Lipper Fund Awards and Morningstar Awards

    The Lipper Fund Awards, granted annually, are part of the Thomson Reuters Awards for Excellence awarded by Lipper, Inc. and highlight funds that have excelled in delivering consistently strong risk-adjusted performance relative to their peers. The Lipper Fund Awards are based on the Lipper Ratings for Consistent Return, which is a risk-adjusted performance measure calculated over 36, 60 and 120month periods. The highest 20% of funds in each category are named Lipper Leaders for Consistent Return and receive a score of 5, the next 20% receive a score of 4, the middle 20% are scored 3, the next 20% are scored 2 and the lowest 20% are scored 1. The highest Lipper Leader for Consistent Return in each category wins the Lipper Fund Award. Lipper Leader ratings change monthly. For more information, see www.lipperweb.com. Although Lipper makes reasonable efforts to ensure the accuracy and reliability of the data contained herein, the accuracy is not guaranteed by Lipper.

    Morningstar Fund Manager of the Year/Decade: For additional information on the awards, please go to http://corporate1.morningstar.com/Morningstar-Awards-Canada/

    Breakout Fund Manager of the Year award: The Morningstar Awards identify the year's most exceptional funds and fund managers for investors around the world. The Breakout Fund Manager of the Year award, introduced in 2015, recognizes up-and-coming managers worthy of investors' attention.

    Morningstar Foreign Equity Manager of the Year Award: The Morningstar Awards identify the year's most exceptional funds and fund managers for investors around the world. The Morningstar Foreign Equity Manager of the Year Award recognizes fund managers’ skill in navigating the international markets.

    Morningstar Awards © 2019 Morningstar Inc., All Rights Reserved.

  24. Brendan Wood TopGun

    The Brendan Wood TopGuns recognition is given to buy-side analysts through voting of sell-side professionals casting their ballots for the investors they personally believe to be the leaders of thought in the industry during the past year. TopGuns are those that garnered the upper decile of sell-side nominations. All TopGuns recognitions are subjective judgments and opinions, based on the experience of Brendan Wood and on information obtained by them from third parties on whose responses they have relied in good faith. There has been independent verification by Brendan Wood.

  25. Investment Executive Mutual Fund Manager of the Year

    Investment Executive (“IE”) selects the Mutual Fund Manager of the Year by ranking all funds with a 10-year performance record in a point-based scoring system. The funds are ranked based on annual returns, IE relative outperformance and quartile performance.  Other criteria factored into the methodology include cumulative 10-year returns, management expense rations and correlation to the fund’s benchmark index.

  26. Forward-looking statements

    This website may contain forward-looking statements which reflect our current expectations or forecasts of future events. Forward-looking statements include statements that are predictive in nature, depend upon or refer to future events or conditions, or include words such as “expects”, “anticipates”, “intends”, “plans”, “believes”, “estimates”, “preliminary”, “typical”, and other similar expressions. In addition, these statements may relate to future corporate actions, future financial performance of a fund or a security and their future investment strategies and prospects. Forward-looking statements are inherently subject to, among other things, risks, uncertainties and assumptions which could cause actual events, results, performance or prospects to differ materially from those expressed in, or implied by, these forward-looking statements. These risks, uncertainties and assumptions include, without limitation, general economic, political and market factors in North America and internationally, interest and foreign exchange rates, the volatility of global equity and capital markets, business competition, technological change, changes in government regulations, changes in tax laws, unexpected judicial or regulatory proceedings, catastrophic events and the ability of CI to attract or retain key employees. The foregoing list of important risks, uncertainties and assumptions is not exhaustive. Please consider these and other factors carefully and not place undue reliance on forward-looking statements.

    The forward-looking information contained on this website is current only as of the date the statement was made. There should not be an expectation that such information will in all circumstances be updated, supplemented or revised whether as a result of new information, changing circumstances, future events or otherwise.

  27. Jurisdiction

    This web site will be governed by and construed in accordance with the laws of the Province of Ontario and the laws of Canada applicable therein, without giving effect to any principles of conflicts of laws. All disputes, controversies or claims arising out of or in connection with the web site 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 web site.

    National Instrument 24-101: Institutional Trade Matching and Settlement – Trade Matching Statement

  28. Terms and Conditions for all websites (including IOL and AOL)

    By using the Services or by clicking to accept the terms and conditions in this Agreement, you accept and agree to be bound and comply with these terms and conditions and with CI’s Privacy Policy incorporated herein by reference. If you do not agree to these terms and conditions and/or the privacy policy, you must not access or use the Services.

    CI may store your personal information via third party entities that reside in foreign jurisdictions. Information may be transferred to, accessed, and/or retained by third parties pursuant to data storage agreements that are necessary to provide you services. CI and/or a third party may be compelled, by law or otherwise, to provide information to a third party, subject to applicable privacy law. CI must abide by applicable privacy legislation in the jurisdiction(s) in which CI operates.

    When you visit our website, we may collect technical and navigational information, such as computer browser type, Internet protocol address, pages visited, and average time spent on our website. This information may be used, for example, to alert you to software compatibility issues, improve our web design and functionality, or to provide you with customized service. The technical information obtained will also be retained as evidence of your instructions to us. You hereby authorize CI to collect and retain all relevant information relating to your use of the Website. You further authorize any third party to provide us with such information.

    We use digital markers and web analytics to improve our site, such as Google Analytics, to collect non-personal information to understand how people are using the site and how we can make it better. We use cookies and other similar technologies to support the operation of our website. Cookies are small amounts of data that a website sends to a web browser on a visitor’s computer. Our cookies help us to collect information about visitors to our website, including the date and time of visits, pages viewed, or amount of time spent on our website. Cookies are also used for security purposes and to personalize your experience, such as customizing your screen layout or remembering your language preference.

    Upon first visiting ci.com you will be informed of the cookies that the site currently uses and be provided the ability to opt out of each general category. Additionally, most browsers and mobile devices offer their own settings to manage cookies. If you refuse a cookie when on our website, or if you delete cookies, you may experience some inconvenience in your use of our website. 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.

    By using our website, you acknowledge and understand that web servers will automatically collect certain information about a visit to a website, including but not limited to the visitor’s Internet Protocol (IP) address. An IP address is unique numbers assigned by Internet Service Providers (ISP), to all devices used to access the Internet.  While we are not able to identify an individual using the IP address alone, in certain circumstances, it could be used to identify an individual using the site. In the event you choose to utilize electronic signatures features of our services you agree to the collection and retention of your IP address for the purposes of identifying you, fraud protection and security.

    Any provision of registration information that you make in order to use the Services through any functionality constitutes your consent to all actions CI take with respect to such information consistent with CI’s Privacy Policy.

Web-based account inquiry services (the “Services”) – “InvestorOnline” and “AdvisorOnline”

Terms and Conditions:

CI provides services subject to strict terms and conditions. Your use of Investoronline and Advisoronline will indicate that you understand their terms and conditions of use, and agree to be bound by them as set out below:

Terms of access

My first use of any of the Services will act as my acceptance of and agreement to be bound by the terms and conditions herein (as amended from time to time) and my acceptance of any other term, condition or restriction applicable in respect of the services. CI may change the Terms and Conditions of Use at any time without notice by updating this posting. I agree to review the Terms and Conditions of Use periodically, and continued access to or use of InvestorOnline or AdvisorOnline will mean that I agree to any changes.

Responsibilities of access

I understand the secure areas of www.ci.com are InvestorOnline and AdvisorOnline. I shall be the only authorized user of the Services under this Agreement and shall only use the Services for my personal, non-commercial purposes. I shall be responsible for the confidentiality and use of my password(s) and other security data, methods and devices. I understand that I shall be solely responsible for use of any data, information or services obtained using my password(s) and other security data. I accept full responsibility for the monitoring of my account. I agree not to disclose my password(s) to any other person and keep it separate from any other information which I will receive or which I already possess concerning the Services. I am solely responsible for maintaining the security of my password(s) and ensuring that it is used for me only. I acknowledge that my password(s) is unique to myself and that CI does not have access to my password(s). CI shall not be responsible for the unauthorized use of the Services by any other person.

Abuse of access

I will not attempt to enter restricted areas of CI computer system or the computer systems of any entity related to or affiliated with CI or perform functions that I am not authorized to perform pursuant to this Agreement. CI may, without notice, suspend my access to the Services by deactivating my password(s) if CI reasonably suspects that I am using the password(s) to obtain unauthorized access to other systems or information, or using the password(s) in any other inappropriate manner. These suspensions will be for a period of time necessary to permit the thorough investigation of such suspended activity. CI may terminate this Agreement immediately without notice if it is determined that I have undertaken such unauthorized activity or if such unusual activity cannot be reasonably explained.

Limitation of liability & disclaimer of warranties

I understand that CI will not be responsible for the accuracy, completeness, timeliness or use of any information received by it or received by me through the services and that CI does not make any warranty concerning such information.

I agree and acknowledge that CI may modify any or all of the services at any time. I also agree that the services may periodically be unavailable to me in order to allow for maintenance and updates.

This Agreement is in addition to and not in substitution for any other present or future agreement between CI and me, including any agreement relating to my CI Investment Account or the services.