By accessing and using this Desjardins Financial Security Website, I agree to be bound by the legal notice and to comply with the following terms for use. If I do not, I understand that I must not use this site.
 

• Desjardins Financial Security owns the copyrights to all information, trademarks and logos displayed on the Website.
• Desjardins Financial Security may at any time change or update the information displayed on this Website, which is provided for information purposes only.
• Desjardins Financial Security cannot be held responsible for any loss or damages arising from use of this site and the information contained therein.
• Desjardins Financial Security cannot guarantee the availability of the site, and cannot be held responsible for problems that may arise during its use.
• Links to other sites appearing on the Website, including downloadable software sites, are provided for convenience only and Desjardins Financial Security cannot be held liable for them.
• This Website is under Quebec jurisdiction, and the information it contains on Desjardins Financial Security's products and services can only be used in Canada.
• The user is responsible for his or her password and its use with or without his or her consent.
• The glossary, search tools, calculators and the FAQs provided on this Website are intended strictly for personal use only.
• This Website contains secure sections, such as "Webi", "Participant Services", "Online Integrated Retirement Management Centre" and the section reserved for group insurance plan administrators, all of which require a personal access code and password.
• We cannot guarantee confidentiality of information exchanged by e-mail on the Internet.
• For security purposes and the verification and compilation of statistics, Desjardins Financial Security collects data on access to the site, and may consult transmissions to and from the site.
• At Desjardins Financial Security, we are committed to protecting the confidentiality of the personal information you provide to us. Please consult our privacy policy for information on our practices in this regard.
• The content of the legal notice is updated from time to time without notice.
   

Copyright and Trademarks

All information on this Website is protected by copyright. Users may only copy its contents for their own personal use. No one may redistribute, reproduce, republish, store in any medium, retransmit, or modify the information on this Website for commercial purposes without the written authorization of Desjardins Financial Security, or make public use thereof without crediting the source.

All trademarks and logos (including certain names, words, titles, drawings, illustrations and icons) appearing on the site are trademarks or registered trademarks of Desjardins Financial Security or third parties. Any use of these trademarks is strictly forbidden without the owner's written authorization. Any unauthorized downloading, retransmission, or other copying or modification of trademarks and/or site content may be a violation of federal or other laws applying to trademarks and/or copyrights and could subject the copier to legal action.

Desjardins Financial Security prohibits the use of its logos and registered names as hyperlinks to other Websites without its prior written authorization.

Information Accuracy

Desjardins Financial Security believes that the information contained in this site was accurate when it was place on the site, but cannot guarantee or ensure the currency, accuracy, completeness or authenticity of its content or each of its functions. Without limiting the foregoing, Desjardins Financial Security is not responsible for the accuracy of the information contained in this site and provided by third parties. This site, along with the information contained herein is subject to change and update at any time without prior notice. All the products and services found on this site are subject to the terms and conditions of the applicable agreements governing them.

No Liability

Desjardins Financial Security shall not be liable or responsible to any person for any harm, loss, or damage (whether arising in contract, tort, negligence, or otherwise) that may arise directly or indirectly from the use, inability to use, or malfunctioning of this site or the information contained herein, including any direct, indirect, special, third party, or consequential damages.

No Warranties

Desjardins Financial Security does not warrant that the site will be available and that it will meet your requirements, nor does it warrant that access will not be interrupted, that there will be no delays, failures, errors, omissions, or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted, or that no damage will occur to your computer system.

Hypertext Links to Other Websites and Downloadable Software

Links to other Websites or references to products, services, or publications other than Desjardins Financial Security's are provided only for your convenience and do not imply the endorsement or approval of such Websites, products, services, or publications by Desjardins Financial Security. Such sites and references have been developed independently of Desjardins Financial Security, and we cannot vouch for the currency, accuracy, completeness, or authenticity of any site content or functionality or of any such references. Linking to any other site shall be at your sole risk, and Desjardins Financial Security will not be responsible or liable for any damages in connection with any such linking. Links to downloadable software sites are provided for your convenience only, and Desjardins Financial Security is not responsible or liable for any difficulties associated with downloading the software.

Jurisdiction

The site will be governed by and construed in accordance with the laws of the province of Quebec. All disputes, controversies, or claims arising out of or in connection with the site shall be submitted to and be subject to the jurisdiction of the courts of the province of Quebec. Thus, in the event of any suit, action, or proceeding arising out of or in connection with this site, the courts of the province of Quebec will have exclusive jurisdiction.

Information from this site regarding Desjardins Financial Security products and services is intended for use in Canada only, where such products and services may lawfully be offered for use and/or sale, and neither use nor sale is intended where prohibited by law.

Password

You assume the entire responsibility for the use, including the unauthorized use, of your password without your consent. Desjardins Financial Security is not required to confirm the user's identity or authority if the user entered the right username and password. You must immediately advise Desjardins Financial Security if someone other than you knows your username or password. In such event, Desjardins Financial Security, will block access to your personal file until you have decided to confirm a new username and a new password.

Lexicon, Search Tools, Calculators, and FAQs

The lexicon, search tools, calculators, and FAQs are available for noncommercial use only. Use of the tools to sell a product or service or to increase traffic to a Website is prohibited.

The definitions contained in the lexicon are for reference purposes only. They have no contractual value and may differ from the definitions in a contract. Each insurance contract includes specific definitions of the terms used in it. Individuals must refer solely to the terms and conditions of the applicable agreement governing it to establish their rights and obligations there under.

The definitions contained in the lexicon are general in scope and are taken from the following sources: Grand Dictionnaire Terminologique, Office de la langue française; Principes des assurances de personnes et des rentes, 2nd ed., LOMA; Supplemental Pension Plans Act, Quebec, R.S.Q., c. R-15.1; Civil Code of Québec, 1991, c. 64; Canadian Securities Institute Course on Securities Trading in Canada; CLHIA Guidelines; Dictionnaire de la comptabilité et de la gestion financière, Louis Ménard, Institut canadien des comptables agréés, 1994; Vous et les assurances de personnes, Martine Maltais and Michel Durand in cooperation with Desjardins Laurentian Life Assurance, Édibec Inc., 1996; Vocabulaire bilingue des assurances sur la vie, Jean-Paul De Grandpré, Cahiers de l'Office de la langue française, 1979; Vocabulaire technique des assurances sur la vie, Louis-Paul Béguin, Les publications du Québec, 1990; Vocabulaire de la retraite, Commission de terminologie de la sécurité du revenu, Les Publications du Québec, 1992.

Because vocabulary varies by Canadian province, this site uses certain general terms such as representative.

Desjardins Financial Security does not guarantee the result of its searches.

Likewise, calculations or projected results are provided for general illustrative purposes only and are not guaranteed to be accurate or complete, being based on hypotheses. The default values are provided for illustrative purposes only and solely as a reference. You must use them only as guides or estimates.

Answers in the FAQ section and those transmitted to Website visitors who send in questions are for reference purposes only. They have no legal value and are not binding. Consult your representative, accountant, or lawyer, who will review the facts as they apply to you and formulate a personalized response.

Secured Section - The Individual Network's Extranet (Webi)

In order to access the secured section of the Individual Network's Extranet (Webi) you need a username and a password. Notwithstanding the foregoing statement regarding passwords, the Individual Network's Extranet (Webi) has its own procedure for assigning the username and password required to access it.

Participant Services and Online Integrated Retirement Management Centre

Notwithstanding the foregoing disclaimer as to the accuracy of this site's content and its information purposes, Desjardins Financial Security offers group retirement savings plan members the possibility of using the Participant Services and Online Integrated Retirement Management Centre sections of the site to perform certain transactions.

In addition to the foregoing statement regarding passwords, these sections has there own procedure for assigning the username and password required to access it.

Internet E-mail

Any unprotected email communication over the Internet is subject to possible interception or loss, and is also subject to possible alteration. Desjardins Financial Security is not responsible for and will not be liable to you or anyone else for damages resulting from interception, loss, or alteration in connection with an e-mail sent by you to Desjardins Financial Security or an e-mail sent by Desjardins Financial Security to you.

In the case of the Individual Network's Extranet (Webi) addressed to the Desjardins Financial Security Independent Network and SFL Partenaire de Desjardins Sécurité financière representatives, a webmail is integrated to the secured section of the site. Any communications via this e-mail has identification connecting it to the distribution network and, whether is to be circulated internally or externally, must be drafted in accordance with the rules and regulations which directly or indirectly govern the distribution of financial products and services and the protection of personal information, notably, the rules concerning ethical issues and the exercising of your duties as representative. In this respect, you may not used the e-mail placed at your disposal for illegal or reprehensible activities, notably large volumes of unsolicited material (spamming), criticisms or defamation, invasion of privacy, chain letters, pyramid proposals, etc.

Control over Use

A log is kept to record events that relate to security or that warrant verification, or for statistical purposes. This log may contain all accesses to the site or site sections, all communications sent or received by a user (in the case of e-mail) integrated in the site), as well as any other activity related to the site.

DFS has access to the communications sent or received through the site, and may access said communications if it has reason to believe that a law has been broken or if the site's terms of use have been violated.

Update of Legal Notice and Terms of Use

This notice will be updated and modified from time to time without any notice. Accordingly, whenever you access the Website, ensure that you check this notice.

Moreover, Desjardins Financial Security may at any time shut down the Individual Network's Extranet (Webi) or a user's access without prior notice.

Note: This notice also covers Desjardins Financial Security Investments Inc.; its affiliated companies; their officers, directors, agents, and employees; and any other persons associated with the creation of this site.