Legal Disclaimers

Links Disclaimer

When you access one of the links provided you will be leaving the website of Ed Rempel and Associates. Neither Ed Rempel and Associates nor Armstrong & Quaile Associates Inc. is responsible for the information contained on any of these links.

Website Disclaimer

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the simplified prospectus before investing. Mutual funds are not guaranteed and are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Fund values change frequently and past performance may not be repeated.

Labour Sponsored Investment Funds ("LSIF") have tax credits that are subject to certain conditions and are generally subject to recapture, if shares are redeemed within eight years. Please note that Mutual Fund Representatives in Alberta are not permitted to sell LSIF.

An investor proposing to borrow for the purchase of securities should be aware that a purchase with borrowed monies involves greater risk than a purchase using cash resources only. The extent of that risk is a determination to be made by each purchaser and will vary depending on the circumstances of the purchaser and the securities purchased.

Discuss the risks associated with leveraged mutual fund purchases with an investment funds advisor before investing. Purchases are subject to suitability requirements. Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same if the value of the securities purchased declines.

Investors should educate themselves regarding securities, taxation or exchange control legislation, which may affect them personally. This web site is for general information only and is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. Please consult an appropriate professional regarding your particular circumstance.

This Internet Website does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make such offer or solicitation.

Ed Rempel and Associates act in the capacity of investment funds advisors and is licensed for the sale of life insurance. Ed Rempel and Associates are registered through separate organizations for each purpose and as such, you may be dealing with more than one entity depending on the products purchased. Ed Rempel and Associates will provide the name of the entity being represented when insurance business is conducted. The sale of insurance products is not the business of or under the supervision of Armstrong & Quaile Associates Inc. Armstrong & Quaile Associates Inc. will not be liable or responsible for such activities.

All non-mutual fund related business conducted by Ed Rempel and Associates are not in the capacity of an employee or agent of Armstrong & Quaile Associates Inc. Non-mutual fund related business includes, without limitation, advising in or selling any type of insurance product, advising in or selling any type of mortgage service, estate and tax planning or tax return preparation. Accordingly, Armstrong & Quaile Associates Inc. is not liable and/or responsible for any non-mutual fund related business conducted by Ed Remepl and Associates. Such non-mutual fund related business is the responsibility of Ed Rempel and Associates alone.

References in this Internet Website to third party goods or services should not be regarded as an endorsement of these goods or services. By accessing any of the links provided you will be leaving Ed Rempel and Associates web site. Neither Ed Rempel and Associates nor Armstrong & Quaile Associates Inc. is responsible for the information contained on these websites.

The information contained on this Internet Website is for general information purposes only and is the opinion of the owners and writers. This information is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice.

This web site is intended for Canadian residents only and the information contained herein is subject to change without notice. The owner and publisher of this Internet Website are not liable for any inaccuracies in the information provided.

Investor Privacy Notice

As an organization that collects, uses and discloses personal information, Ed Rempel and Associates and Armstrong & Quaile Associates Inc. is subject to the federal Personal Information Protection and Electronic Document Act (or by similar laws in the provinces of Alberta, British Columbia and Quebec), effective January 1st, 2004. In complying with these laws, it is important that Ed Rempel and Associates and Armstrong & Quaile Associates Inc. provide you with information so that you may fully understand the purposes for which your personal information is collected.

Over the course of your relationship with Ed Rempel and Associates and Armstrong & Quaile Associates Inc., personal information will be collected in order to administer your mutual fund account. This information typically includes but is not limited to your financial information and investment objectives, in addition to your current investments, banking information and your social insurance number. This information allows for but is not limited to the buying and selling of mutual funds on your behalf, in addition to providing you with reporting and administering your account in a compliant manner to meet all regulatory requirements.

At times, Ed Rempel and Associates and Armstrong & Quaile Associates Inc. may be required to provide this information to mutual fund companies in which you invest, self-regulatory organizations, securities regulators, law enforcement agencies and to companies that perform services on our behalf. These organizations, like Ed Rempel and Associates and Armstrong & Quaile Associates Inc. are bound and must comply with the same federal/provincial privacy act(s). Ed Rempel and Associates and Armstrong & Quaile Associates Inc. does not disclose your information to any other organization(s) to use for their own purposes and in particular will never sell or trade your personal information.

The purposes for which we collect, use and disclose your personal information are central to our being able to provide you with our services. Should you have objections to the collection and disclosure of your personal information, as listed in the foregoing, Ed Rempel and Associates and Armstrong & Quaile Associates Inc. will no longer be in a position to provide you with these services. Therefore, by maintaining your account with Ed Rempel and Associates and Armstrong & Quaile Associates Inc. we will consider that you have consented to our collecting, using and disclosing your personal information.

In representing Armstrong & Quaile Associates Inc. Ed Rempel and Associates is acting on behalf of the mutual fund dealer, Armstrong & Quaile Associates Inc. Ed Rempel and Associates is also licensed to sell other products and, therefore may provide you with advice and services in that other capacity. Should they do so, Ed Rempel and Associates will communicate with you directly regarding any additional use or disclosure of your personal information.

If you wish to review or make changes to your personal information you may do so by making a written request to Privacy Officer, Armstrong & Quaile Associates Inc., 279 Weber Street North, Waterloo, ON, N2J 3H8.

Should you have any questions or concerns regarding the use of your personal information we encourage you to speak with your investment funds advisor. Alternatively, you may contact the designated Privacy Officer for Armstrong & Quaile Associates Inc., 279 Weber Street North, Waterloo, ON, N2J 3H8., via fax to 519-576-2686 or via email at heatherap@a-q.com.