If you access and use this Web site (the "Site"), you accept and agree to be bound by and comply with these terms (the "Terms"). If you do not accept the Terms, do not use the Site.


All products and services of Royal Wealth Management and its subsidiaries and affiliates are subject to the terms and conditions of the applicable agreements governing their use. The Terms are to be read by you together with any terms, conditions or disclaimers provided in the pages of the Site. In the event of any conflict, the terms provided in the pages of the Site will govern. The information, material and content provided in the pages of the Site (the "Information") may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting. You agree to review the Terms regularly and your continued access or use of the Site will mean that you agree to any changes.


It is important to note that not all of the products, services and Information are available in all provinces or in jurisdictions outside Canada. The Information does not constitute an offer or solicitation to buy or sell any currency, investment fund or other product, service or information to anyone in any jurisdiction in which an offer or solicitation is not authorized or cannot legally be made or to any person to whom it is unlawful to make an offer or solicitation. For information specific to any specific provincial jurisdiction, please contact your financial advisor. The terms and conditions applicable to any product, service or information will be those determined at the time of provision of the product, service or information. Please be aware of the laws of your country or that otherwise apply to you in relation to any of the matters described in these pages. If you choose to access the Site from outside of Canada, you do so on your own initiative and are responsible for compliance with applicable local, national or international laws. You may not use or export or re-export the Information or any copy or adaptation in violation of any applicable laws or regulations, including export laws and regulations of Canada in force from time to time.


The Information is for informational purposes only and is not intended to provide specific financial, investment, tax, legal or accounting advice for you, and should not be relied upon in that regard. You should not act or rely on the Information without seeking the advice of a professional.


Royal Wealth Management and its affiliates, subsidiaries, officers, directors, employees or agents (the "Company") provide the Site and the Information on an "as is, where is" basis and do not make any express or implied warranties, representations, endorsements or conditions with respect to the Site or the Information, including without limitation, warranties as to merchantability, operation, non-infringement, usefulness, completeness, accuracy, current ness, reliability and fitness for a particular purpose. Further, the Company does not represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or 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. You have sole responsibility for adequate protection and backup of data and/or equipment and to take reasonable and appropriate precautions to scan for computer viruses or other destructive properties.


Any unprotected E-Mail communication over the Internet is, as with communication via any other medium (e.g. cellular phones, post office mail), not confidential, subject to possible interception or loss, and is also subject to possible alteration. The Company is not responsible for and will not be liable to you or any one else for any damages in connection with an E-Mail sent by you to the Company or an E-Mail sent by the Company to you at your request.


No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any Information.


The Company is not responsible for and will not be liable to you or anyone else for any damages whatsoever (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with your use of or inability to use the Site or the Information, or any action or decision made by you in reliance on the Site or the Information, or any unauthorized use or reproduction of the Site or the Information, even if the Company has been advised of the possibility of these damages.


Links from or to web sites outside the Site are meant for convenience only. The Company does not review, endorse, approve or control, and is not responsible for any sites linked from or to the Site, the content of those sites, the third parties named therein, or their products and services. Linking to any other site is at your sole risk and the Company will not be responsible or liable for any damages in connection with linking. Links to downloadable software sites are for convenience only and the Company is not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.


The Site is administered by the Company from its offices in Canada. The Site will be governed by and construed in accordance with the laws of the Province of Quebec 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 Site shall be submitted to and be subject to the jurisdiction of the courts of the Province of Quebec. You submit and attorn to the exclusive jurisdiction of the courts of the Province of Quebec to finally adjudicate or determine any suit, action or proceeding arising out of or in connection with the Site.


In January 2004, the new federal law on privacy called the "Personal Information Protection and Electronic Documents Act " (PIPEDA) came into effect. In the following document, we explain how the federal privacy policy acts in protecting your personal information and why your private information is collected. Please read the text below which will serve as our notification on the type of personal information we collect and how we use it. The Mutual Fund Dealers Association stated that " For regulatory purposes, self regulatory organizations including Market Regulation Services Inc., the Investment Dealers Association of Canada, Bourse de Montreal., and the Canadian Investor Protection Fund (collectively, " SROs ")require access to personal information of current and former clients, employees, agents, directors, officers, partners and others that has been collected or used by Regulated Persons. SROs collect, use or disclose such personal information obtained from Regulated Persons. SROs collect, use or disclose such personal information obtained from Regulated Persons for regulatory purposes." It is our obligation to collect this information and we must decline to accept or administer an account in respect of which an individual does not consent to such intended collection, use or disclose of personal information to SROs and the use and disclosure of that information by SROs. We do not sell, share or provide any of your personal information to any third parties.


Your private information is collected in the process of setting up your account, conducting all transacting activities, and servicing your financial and insurance products. We require your private information for the following : Surveillance of trading-related activity Sales, financial compliance, trade desk review and other regulatory audits- Investigation of potential regulatory and statutory violations Regulatory databases Enforcement or disciplinary proceedings Reporting to securities regulators Information-sharing with securities regulatory authorities, regulated marketplaces, other self-regulatory organizations and law enforcement agencies in any jurisdiction in connection with any of the foregoing


Name, home address and home phone number, Credit information, Marital Status, Date of Birth, Income, Net Worth Sex, Social Insurance Number and Occupation

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