Use of this website is governed by the following terms and conditions which are subject to change without notice to you. Please read them carefully before using this site.
Limited licence and use Ruthann Howe (the “Company") grants you a limited licence to display the contents of this site on your computer and print, download and use the materials on this site solely for personal or educational purposes and for purposes of doing business with the financial security advisor, provided that the contents of the site are not modified in any way and that all copyright and other notices are maintained. You agree not to, or allow others to, directly or indirectly, attempt or actually disrupt, impair or interfere with, alter or modify this site or any of its content. You agree not to, or allow others to, directly or indirectly, collect or attempt to collect any information about others, including passwords, account or other information. In order to use this site, you must have attained the minimum prescribed age in the jurisdiction in which you are resident to contract for the products and services. This site is for general information purposes only and is not intended to provide you with any personalized financial, insurance, legal, accounting, tax or other professional advice. You will not rely on this site as a substitute for independent research or for personal advice from a licenced advisor of the Company. Nothing on this site constitutes an offer to buy or sell products or services of a financial services company or any other company. All products and services are subject to the terms and conditions of any applicable contracts. Financial products and services which may be referred to on this site are available only in jurisdictions where they may be lawfully offered for sale in Canada. Advisors may only solicit the sale of financial products and services for which they have been duly licensed in the jurisdiction in which the sale occurs. The use and content of this site, and the terms and conditions contained herein, shall be governed by the laws of the province in which the advisor resides and you agree to attorn to the jurisdiction of the courts of that province.
Privacy and Confidentiality You acknowledge that the Company and its advisors collects and uses personal information for purposes of providing the services contained on this site. The Company and its advisors are committed to respecting the privacy and confidentiality of information in accordance with applicable law. The Company and its advisors have established and will continue to maintain appropriate safeguards to protect the security and confidentiality of personal information. However, you acknowledge and confirm that the Internet is not a secure medium where privacy and confidentiality can be guaranteed and that complete security and confidentiality of transmissions to and from this site over the Internet is not possible at this time. Your confidential use of the site cannot be guaranteed and you acknowledge that your use of the site (including information you transmit to the site) may be subject to access or manipulation by, or disclosure to, third parties. Without limiting any other disclaimer herein, the Company and its advisors shall not be responsible or liable for any damages that you or any other person may suffer in connection with any such breach of privacy, confidentiality or security. If you are provided with a user name and password to access any part of this site, you agree to be liable for all uses of your user name and password, including unauthorized use without your consent and you acknowledge that the Company and its advisors shall not be responsible to confirm the actual identity or authority of any user. Instructions provided pursuant to such user name and password shall constitute sufficient authority to the Company and its advisors to execute any transactions directed thereunder. You agree to notify the financial security advisor immediately should the confidentiality of your user name and password be in jeopardy.
Email security The security of e-mail communication cannot be guaranteed at this time. Any person wishing to communicate or send information of a private or confidential nature to the financial security advisor is encouraged to do so by other means.
Copyright This site has been developed by the the Comapny. The contents of this site are the property of the Company and third parties whose information or materials are contained on the site. All information and materials contained on this site are protected by copyright, trademark and other intellectual property laws of Canada and other countries. Subject to the limited licence to use this site as described above, no person may copy, redistribute, reproduce or republish in any form, or link to this site or its contents in any manner whatsoever, including by way of hyperlinks or framing, unless that person has obtained the prior written consent of the financial security advisor. Any infringement of the rights of the Company may result in appropriate legal action.
Trademarks The Company owns or has obtained the right to use by licence or otherwise the trademarks used on or in connection with the goods and services provided. The trademarks are protected by Canadian and foreign trademark laws. All rights reserved. The display of trademarks on this site shall not in any way be construed as an implied licence to use such trademarks.
More information For more information concerning the terms and conditions of use of this site or to request the authorization to reproduce or distribute the content of this site or any part thereof, please contact the Company.