Legal notice

Legal notice

Before accessing the contents of this site, all users must agree to be bound by the conditions of use set out below and by the entire contents of each statement listed in this document.

Anyone who refuses to adhere to these principles and to be bound by them must refrain from accessing this site or using it in any way whatsoever.

A. Statement of the user

As a user, by accessing this MICA group of companies’ Website and using it, I agree to be bound by this legal notice and to respect the following conditions of use. If not, I understand that I must not access the site or use it in any way whatsoever.

B. Conditions of use

The user acknowledges that:

  • MICA has or may have all copyrights in respect of all information, trademarks and logos appearing on this site.
  • MICA may change or update, at its sole discretion and at any time, the information that appears on this site, which is provided for informational purposes only.
  • MICA may not be held responsible for any injury, loss or damage arising from the use of this site and the information that it contains.
  • MICA cannot guarantee the availability of this site and cannot be held responsible for problems occurring during its use.
  • On this site, hyperlinks to other Websites, including those that offer downloadable software, are provided as a convenience and are not the responsibility of MICA.
  • This site is subject to the legislative jurisdiction of Quebec and the information that it contains on MICA products and services can be used only in Canada.
  • The user is solely responsible for his or her password and the use made of it, whether with or without his or her consent.
  • The glossary, search tools, calculators and frequently asked questions on this site must be used solely for personal reasons and may not be construed as specific recommendations.
  • We cannot guarantee the confidentiality of information exchanged by email over the Internet. For the purposes of security, verification and compilation of statistics, MICA collects data on access to this site and may, if necessary, consult the communications transmitted from or received on this site.
  • MICA will take care to respect your safety and your privacy, including the personal information, if any, that you entrust to us. Please read our privacy policy to find out about our practices in this regard.
  • The content of this LEGAL NOTICE is updated from time to time, without notice.

C. Copyright and trademarks

All information contained on this Website is protected under the laws of copyright. Users of this site are permitted to copy its contents for their personal use only. No one has the right, for commercial purposes, to redistribute, reproduce, republish, store on any medium, retransmit or modify any information contained herein without obtaining MICA’s written permission or to make public use thereof without crediting the source.
All trademarks and logos (including certain names, words, titles, drawings, illustrations and icons) appearing on this site’s pages are registered or non-registered trademarks of MICA or third parties or are to be used exclusively by their owner.

Any use of these marks is strictly prohibited without the owner’s written permission. The unauthorized downloading, retransmission, copying or modification of the trademarks or contents of this site may constitute a violation of federal laws or other laws governing copyright and trademarks, and the perpetrator of such violations may be subject to legal action.

MICA prohibits the use of its logos and trademarks as hyperlinks to any other Website without its prior written permission.

D. Accuracy of information

MICA believes that the information appearing on this site was correct at the time it was placed thereon. However, it cannot guarantee or ensure the timeliness, accuracy, completeness or authenticity of the site’s contents or of any of the site’s features. Without limiting the foregoing, MICA assumes no responsibility as to the accuracy of the information contained on this site and provided by a third party. This site, as well as the information it contains, has been created for informational purposes only. Moreover, the information contained herein is subject to change and update at any time, without notice. All products and services mentioned on this site are subject to the terms and conditions of the agreements that govern them.

The information contained on this site does not constitute tax, legal, financial, insurance or accounting advice and must not be used for those purposes.

MICA cannot guarantee the accuracy of the information on this site or accessible through this site that was prepared by or obtained from third parties.

E. Disclaimer

MICA and its directors, managers, employees and all other persons involved in creating this site or its contents may not be held liable in regard to any person for any injury, loss or damage (whether arising in the course of a contract or as the result of a tort, negligence or otherwise) which may arise directly or indirectly from the use of this site or the information it contains, the inability to use the site or such information or the malfunctioning of the site, including any direct, indirect, special or consequential damage or damage to a third party.

MICA takes many precautions to ensure the safe use of this Website and the service offered through it. We are committed to preserving our clients’ safety and the confidentiality of the personal and financial information stored on the Web server used to manage our Website and on our internal computer systems.

The unauthorized use of this Website and our systems, including, but not limited to, unauthorized entry into our systems, misuse of passwords and the misuse of any information contained on the site are strictly prohibited.

While we take great care in preparing and keeping up-to-date the information and documents on this Website, such information and documents are provided as is, with no warranty of any kind, either express or implied. In particular, we disclaim any responsibility for damage caused to computer systems, devices and software or to electronic files by computer viruses, worms, Trojan horses or any other agent or action of an intrusive, disruptive or destructive nature.

A non-encrypted, regular email sent over the Internet is not secure, (i.e., it is not confidential). Do not send us any information of a personal or financial nature by means of a non-encrypted email. We cannot be held responsible if you send confidential information by means of a non-encrypted, regular email and such information subsequently becomes public through no fault on our part.

F. No waranty

MICA cannot guarantee in any way whatsoever that this site will always be accessible at all times, that it will meet your requirements or needs, that access to it will not be interrupted, that there will not be delays, failures, errors, omissions or losses in the transmitted information, that no virus or other contaminating or destructive element will be transmitted or that no damage will be caused to your computer system.

It is the sole responsibility of the user to acquire the appropriate tools, means or software to avoid such viruses and contaminating or destructive elements, and he or she must keep such protections up-to-date.

G. Disclaimer regarding hyperlinks to other websites and downloadable software

Hyperlinks to other Websites or references to products, services and publications that are not MICA’s are provided for your convenience and do not mean that MICA approves such Websites, products, services and publications or that MICA vouches for them. Such sites and references have been developed independently of MICA, and we cannot vouch for the timeliness, accuracy, completeness or authenticity of the contents and features of such sites or references. Following a hyperlink to any other site is at your sole risk, and MICA is not liable for any damage arising from such action.

Hyperlinks to sites offering downloadable software are provided for your convenience and for purposes of illustration or simulation, and MICA cannot be held liable for any difficulty associated with the downloading of such software. The illustrations and calculations generated by such software or other calculation tools available through a hyperlink to a third party cannot be deemed by anyone to be proposals, recommendations or advice in financial, insurance, tax or legal matters or in matters in any other field requiring professional advice.

If you choose to access software by means of the hyperlinks on this site, you must take the necessary precautions to detect and destroy potential viruses and to ensure that the software is compatible with your computer. You must also ensure that you have up-to-date backup copies of all content stored on your hard drive before installing such software.

H. Legislative jurisdiction

This site is governed by the laws of the Province of Quebec and is subject to the interpretation of those laws. Any dispute, contention or claim arising from the use of this site or related to it shall be submitted to the jurisdiction of the courts of the Province of Quebec and shall be subject to their jurisdiction. Therefore, the courts of the Province of Quebec have exclusive jurisdiction with respect to any suit, claim, action or proceeding arising from the use of this site or related thereto.

The information on this site regarding MICA’s products and services is intended to be used only in Canada, where such products and services may be legally offered for use or sale, and is not for use or sale in places where prohibited by law.

I. Password

You are entirely responsible for the use of your password, including its use without your consent. MICA has no obligation to verify any user’s identity or right to access provided such user enters an appropriate user name and password. If someone other than you comes into possession of your user name and password, you must immediately notify MICA. In that case, MICA will, as soon as possible, block access to your personal file until you decide to confirm a new user name and password.

J. Glossary, search tools, calculators and frequently asked questions

The glossary, search tools, calculators and frequently asked questions may be used only for non-commercial purposes. The use of tools to promote the sales of products and services or a particular Website is prohibited.

The definitions given in the glossary may be used only for informational purposes. They do not have any contractual value and may differ from the definitions contained in any contract. Please refer to the provisions of your contract to determine your obligations and rights under the contract.

MICA does not guarantee the accuracy of searches made using its search tools.

Likewise, all calculations and results provided are intended for informational purposes only. Since they are based on assumptions, MICA does not guarantee their accuracy or integrity. Default values are given only for purposes of reference and as examples. Please use them only as guides or estimates.

Answers in the frequently asked questions section as well as those provided to persons who send us their questions must be used for informational purposes only. They have no legal value and do not make MICA liable. Please consult your representative, accountant, tax adviser or legal adviser, who will take into account all the facts related to your particular situation and suggest an answer appropriate to your situation.

K. Secure section — Extranet

To access a secure section of the extranet site, you must have an access code and password. In addition to what is stated earlier with respect to passwords, the extranet has its own procedure for assigning a user code and password to be used to navigate that section of the site.

L. Email over the internet

Any unprotected email sent over the Internet is subject to interception, loss and modification. MICA cannot be held liable to you or to any other person for any damage arising from the interception, loss or modification of any email that you send to MICA or of any email that MICA sends to you.

In the case of the extranet site for the use of consultants who are partners of MICA Services financiers Inc. or the dealing representative of a mutual fund dealer associated with MICA Capital Inc., a secure Web mail function is provided on the site. Please note that any communication made using that email function is identified as belonging to that network and must be written, whether for internal or external delivery, in compliance with the provisions of the laws and regulations that govern, directly or indirectly, the distribution of financial products and services and the protection of personal information, and in particular, the rules concerning ethics and the exercise of representatives’ activities. Consequently, you agree not to use the email function made available to you for illegal or improper activities, including mass mailing of unsolicited email (spam), criticism or defamation, invasion of privacy, chain letters, pyramid schemes, etc.

M. Control of use

A log is kept to record events related to security or that are useful for verifications or for statistical purposes. This log may be used to record all accesses to the site or to sections thereof, all communications sent or received by the user (in the case of the site’s email portal) and any other activity related to the site.
MICA has access to communications sent or received, which it may use if it has reasonable cause to believe that a law has been violated or that the site’s rules of use have not been followed.

N. Updates to the legal notice and the conditions of use

MICA will update and change this legal notice from time to time, without notice. Therefore, when you access this site, be sure to always read this notice before you begin to use the site.

Furthermore, in regard to secure sections, MICA may remove those sections or a user’s access to them without notice.