Website Terms of Use

The Services you receive on Client Connect will depend on the account type you hold at Company, but may include online portfolio services and tools, various information, communications tools, content that cannot be personalized, content that can be personalized, and products and services available on its services network.

a. Account Overview and Financial Information

In Client Connect, Users will have access to a comprehensive snapshot of their accounts and services in one convenient place. This feature allows users to view detailed information about their various account types, including balances, transaction history, and account performance. Additionally, Users will have easy access to key financial data.

b. Document Services and Storage

In addition to viewing their account holdings, Users will be given access to their own secure digital vault (“Vault”) where Users will receive documents from the Company, as well as Users will have the ability to add their own documents to the Vault to provide to the Company or use the Vault to store those documents for their personal use.

Through the Vault, the Company will provide Users with documents related to their accounts and financial products, such as trade confirmations, prospectuses, portfolio statements and tax slips.

Users may also utilize their Vault to manage, store, and organize documents and financial information by securely uploading, accessing, and sharing sensitive documents, such as financial records, legal papers, and personal identification, from any device they access Client Connect from.

i. Provisions regarding the Electronic Delivery of Documents

If you indicate your preference is to receive documents by electronic delivery, you will receive such documents, such as portfolio statements, trade confirmations, prospectuses, and tax slips, then those shall be accessed through the Vault, and you will be deemed to have consented to the following provisions regarding the electronic delivery of documents:

1. The Vault is available to use as a User of Client Connect and that to access your documents, you must continue to use Client Connect and be subject to the Terms and Conditions.
2. No paper copies will be sent to you by physical mail, except where the Company is compelled to do so or deems appropriate. If the electronic delivery of a document fails for any reason, then the Company may provide you with a paper copy of such document, instead of, or in addition to, the document for which you have requested electronic delivery. Notwithstanding the foregoing, you may request to receive a paper copy of any document delivered electronically by contacting your investment advisor.
3. Your email address is how the documents are made available through Client Connect and you are responsible for updating any changes in your email address to ensure a continuation of service. To update your email, please contact your investment advisor or the Company.
4. You agree that it is your sole responsibility to review the documents provided to you on a regular basis and the Company will not be liable for any damages you incur as a result of your failure to access and review such documents.
5. You acknowledge and agree that any document which you have chosen to receive by electronic delivery will be deemed to have been delivered at the time it is made available through Client Connect, and not at the time you first access the document.
6. Documents made available to you through the Vault will be delivered in Adobe® PDF format and it is your responsibility to ensure you have the technical resources to access, download or print the documents.
7. Any document delivered to you electronically through the Vault will remain accessible for download and the Company will maintain records for a period of seven (7) years.
8. This consent to the electronic delivery of documents will remain in force until it is revoked, which you may revoke at any time and for any category of document to revert to delivery by mail by communicating directly with your investment advisor or the Company. You release the Company from all liability in the event of non-compliance with the revocation, barring negligence on the part of the Company.

Unless otherwise stated, any improvement, modification, new development or revision of one or more existing or new services will be subject to these Terms and Conditions.

Users are responsible for procuring and maintain all equipment to connect to Client Connect, as well as cover all costs required to access Client Connect, including, for example, paying for Internet access and updating equipment software. If not, then you may not have access to the full range of features, functionalities, content and information Client Connect can provide.

The security of your personal information is very important to us. We use physical, electronic, and administrative measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure.

The safety and security of your information also depends on you. Users are responsible for obtaining their own access to Client Connect, and ensure such access is obtained securely. Users are required to ensure that all persons who access Client Connect through an internet connection are aware of these Terms and Conditions and comply with them.

a. Passwords

Users must register for an account following the instructions provided to them.  When registering, Users will be assigned a username and temporary password to sign-into Client Connect, where they will be prompted to select a permanent password that will enable access to Client Connect. You agree not to select a password that may be easily associated with you, including refraining from the use of:

1. your first or last name;
2. social insurance number,
3. telephone number,
4. address; or
5. date of birth.

Additionally, you will be required to select a password that contains the following elements:

1. At least 8 characters;
2. At least 3 of the following:

• a. Lower case letters (a-z)
• b. Upper case letters (A-Z)
• c. Numbers (0-9)
• d. Special characters (e.g. !@#$%^&*)

b. Multi-Factor Authentication

To enhance the security of our platform, Client Connect utilizes Multi-Factor Authentication (MFA) as an additional layer of protection. By using Client Connect, you agree to the following terms regarding MFA:

1. You are required to set up and maintain MFA for your account in conjunction with your password. This may include, but is not limited to, verification through email, text message (SMS), or authentication apps.
2. You are responsible for ensuring that the devices and methods used for MFA remain secure and accessible. Failure to maintain proper MFA access may result in the inability to access your account.
3. While MFA significantly reduces the risk of unauthorized access, no security system is foolproof. By accepting these Terms and Conditions, you acknowledge that you will promptly report any suspected breach of your account.
4. We reserve the right to modify the MFA methods available on Client Connect. Notifications regarding any changes will be provided through Client Connect.

c. Security

Any username, password, or any other piece of information chosen by you, or provided to you as part of our security procedures, must be treated as confidential, and you must not disclose it to any other person or entity. You must exercise caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information. You understand and agree that should you be provided an account, then you agree to not provide any other person with access to Client Connect or portions of it using your username, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your username or password or any other breach of security. You also agree to ensure that you logout from your account at the end of each session. You are responsible for any password misuse or any unauthorized access.

The Company shall use all reasonable means to ensure that access and use of, Client Connect is safe and secure. However, the Internet is an open and publicly accessible communications network. All messages or transmittals on the Internet or through Client Connect may be read, intercepted or modified by a third party and may become irretrievable. Despite all the precautions taken by the Company, the Company cannot guarantee the integrity, reliability or confidentiality of your communications or transmittals through Client Connect and cannot be held liable for any damage resulting from any communication or transmittal or for any loss of integrity, reliability or confidentiality resulting from the use of Client Connect.

We reserve the right at any time and from time to time, to disable or terminate your account, any username, password, or other identifier, whether chosen by you or provided by us, in our sole discretion for any or no reason, including any violation of any provision of these Terms and Conditions.

You are prohibited from attempting to circumvent and from violating the security of Client Connect, including, without limitation:

1. Accessing content or data that isn’t meant for you;
2. Trying to bypass or break security and authentication systems without authorization;
3. Restricting, disrupting, or disabling services for Users, hosts, servers, or networks
4. Illegally replicating a TCP/IP packet header;
5. Disrupting network services or interfering with the owner’s ability to monitor Client Connect;
6. Using robots, spiders, or other automated tools to access Client Connect, including for monitoring or copying material;
7. Introducing malicious software such as viruses, trojans, worms, logic bombs, or other harmful code;
8. Attacking Client Connect through denial-of-service (DoS), distributed denial-of-service (DDoS), flooding, mailbombing, or crashing; or
9. Attempting to interfere with the normal functioning of Client Connect in any other way.

By submitting your personal information and using our Client Connect, you consent to the collection, use, reproduction, hosting, transmission, and disclosure of any such user content submissions in compliance with our Privacy Policy, found at https://wellington-altus.ca/privacy-policy/, as we deem necessary for use of Client Connect and the provision of Services.

By using Client Connect, you are consenting to the use of cookies which allow a server to recall previous requests or registration and/or IP addresses to analyze Client Connect use patterns which help Company enhance the usability and performance of Client Connect, as well as optimize your experience. You can set your browser to notify you before you receive a cookie, giving you the chance to decide whether to accept it. You can also set your browser to turn off cookies. If you do, however, some areas of Client Connect may not function adequately. For more information on this automated information gathering practices, see https://wellington-altus.ca/cookie-policy/.

The owner of Client Connect is based in Canada, and its services are designed exclusively for individuals residing within Canadian borders. Access to Client Connect outside of Canada may be restricted or prohibited by local laws, and is not intended for the platform to be used in any jurisdiction where its use is unlawful. If you choose to access Client Connect from outside of Canada, you assume full responsibility for any risks involved and for ensuring compliance with the laws of your location.

The information regarding your accounts and portfolio, including the history of your account(s), summary of your portfolio, breakdown of assets, and asset performance and distribution, made available through Client Connect is for information purposes only.  If there is a discrepancy between the information on Client Connect and the statement account, the information in the statement account will prevail.

The only authorized documentation for your accounts and portfolio is the statement of account or confirmation slips that are provided to you through the Vault or by mail. Should there be a discrepancy between the information in Client Connect and the authorized documentation, please contact your investment advisor or the Company.

Client Connect includes content provided by third parties, such as stock quotes, indices and all other similar financial information, from third-party licensors as a source of information (“Third-Party Information”). All statements and/or opinions expressed in any such third-party content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. Such materials do not necessarily reflect the opinion of the Company.

You may use the Third-Party Information when using Client Connect, but you agree not to reproduce, retransmit, disseminate, sell, distribute, publish, issue, broadcast, circulate or commercially exploit the information in any manner whatsoever and not to provide the Third-Party Information to any other person without the written consent of the Company and the provider of the Third-Party Information.

Neither the Company nor its parent, subsidiaries, affiliates, and their respective directors, officers, employees, agents, service providers, contractors, licensors, licensees, suppliers, or successors have any responsibility or liability whatsoever to you, or any third party, for the content or accuracy of any third-party materials or its availability, and assumes no liability for the accuracy, quality and completeness of the Third-Party Information, nor will be held liable for any trade order or investment decision based on the Third-Party Information or on any other material available on or from these sites or from external sources. The Company cannot be held liable for any actual or alleged loss or damage or harm occurring as a result of, or in connection with, the use of or reliance of the Third-Party Information or any other material on such sites.

The Company may set general rules and limits for using Client Connect, which may include, without limitation, defining a maximum number of inactive days for your account and capping the number of times you can access Client Connect within a specific period (as well as limiting the duration of each session).

Additionally, the Company is not responsible for any custom settings configured by Users and makes no guarantees regarding the loss or retention of data stored in the Vault.

You understand and agree that Client Connect and its content, features, and functionality, including, but not limited to, all information, software, code, data text, displays, graphics, photographs, images, video, audio, music, broadcast, design, presentation, Client Connect layout, selection, and arrangement, are owned by the Company, its licensors, or other providers of such material and are protected in all forms by intellectual property laws including, without limitation, copyright, trademark, patent, trade secret, and any other proprietary rights.

The Company name, and all related names, logos, product and service names, designs, images, and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the prior written permission of the Company. Other names, logos, product and service names, designs, images, and slogans mentioned, or which appear on this Client Connect are the trademarks of their respective owners. Use of any such property, except as expressly authorized, shall constitute an infringement or violation of the rights of the property owner and may be a violation of federal or other laws and could subject the infringer to legal action.

You may only use Client Connect for your personal and non-commercial use. You shall not directly or indirectly reproduce, compile for an internal database, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Client Connect, in any form or medium whatsoever except:

a. your computer and browser may temporarily store or cache copies of materials being accessed and viewed; and

b. a reasonable number of copies for personal use only may be printed keeping any proprietary notices thereon, which may only be used for non-commercial and lawful personal use and not for further reproduction, publication, or distribution of any kind on any medium whatsoever.

Users are not permitted to modify copies of any materials from this Client Connect nor delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from this site. You must not access or use for any commercial purposes any part of Client Connect or any services or materials available through Client Connect.

If you print off, copy, or download any part of our Client Connect in breach of these Terms and Conditions, your right to use Client Connect will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. You have no right, title, or interest in or to Client Connect or to any content on Client Connect, and all rights not expressly granted are reserved by the Company. Any use of Client Connect not expressly permitted by these Terms and Conditions is a breach of these Terms and Conditions and may infringe or violate copyright, trademark, and other intellectual property or other proprietary laws.

Additionally, without the Company’s prior, express, written consent, the following actions are prohibited:

1. Copying, or otherwise manipulating the Company’s letterhead, trademarks, or any Material transmitted or made available through Client Connect;
2. Downloading, displaying, or transmitting any Material, file, document, or program that contains viruses or malicious code intended to disrupt or damage software, computers, or telecommunications;
3. Interfering with, disrupting, or abusing Client Connect, its servers, or related networks, or failing to comply with the terms, procedures, rules, or regulations applicable to those networks;
4. Violating, intentionally or otherwise, any local, provincial, national, or international laws or regulations, including but not limited to rules set by securities commissions or stock exchanges;
5. Collecting or storing personal data of other Client Connect Users;
6. Selling, reselling, or commercially exploiting any part of the services, usage of Client Connect, or access rights to Client Connect;
7. Reverse engineering, decompiling, or attempting to discover the source code of the software or applications (except as allowed by law), or selling, sublicensing, or transferring any rights related to the software or applications in the Material or Client Connect; and
8. Modifying the software or applications in the Material or Client Connect, or using modified versions for unauthorized access to Client Connect.

You acknowledge and agree that the Services are provided “as is” without any warranty or condition of any nature whatsoever. The Company provides no warranty, whether express or implied, including, without limitation, warranties of merchantability or of fitness for a particular purpose of Services. The Company does not warrant that:

1. Services will be uninterrupted, timely, secure or free of errors;
2. The results obtained by using Services will be accurate and reliable;
3. The quality of any product, service, information or other material purchased or obtained by you through Services shall meet your expectations;
4. Any defects in the software and applications, if any, shall be corrected;
5. You will be solely liable for any damage to your computer or for any loss of data resulting from any downloading of material or use of Services;
6. No advice or information, whether oral or written, obtained by You from the Company or through the use of the Services shall create any warranties not specifically provided for under these Terms and Conditions;
7. The information and data provided or made available through online services are provided “as is” without any warranty or condition of any nature whatsoever, whether express or implied, and more particularly without any warranty of merchantability, fitness for a particular purpose or absence of counterfeit;
8. The Services may contain inaccuracies or typographical errors; and
9. There is no warranty, whether express or implied, with respect to the Services, including no warranty with respect to the information from the suppliers thereof nor any warranty regarding the timeliness, truth, completeness, accuracy or continuity of the information or data transmitted or made available through the Services.

To the extent permitted by law, the Company cannot under any circumstances be held liable for any direct or indirect damages, including, without limitation, loss of profits, clients, data or any other loss of property, even where the Company was advised  of the possibility of such damage occurring as a result of: (i) the use or impossible use of Client Connect; (ii) unauthorized access to Client Connect by a user or any changes to the process followed to send or transmit data through the Client Connect system or your data storage system; (iii) the conduct of a third party while using Client Connect; (iv) any inaccuracy, error, delay, interruption or omission in the information or data; (v) any loss or harm caused in whole or in part by events or situations beyond the Company’s control with respect to the obtaining, interpretation, compilation, drafting, formatting, presentation or delivery of information, data or other services through internet service; (vi) technical defects in the equipment or software of any nature whatsoever, unavailable or interrupted network interconnections, or the failed, incomplete, deformed or delayed transmittal of computer data, whether attributable to you, to the Company or to a third party or to any part of the equipment or programming relating to Client Connect or using Client Connect; or (vii) any decision or measure taken by you based on the information or data obtained through Client Connect.

The Company may terminate in whole or in part your right to access Client Connect and even delete your login credentials following a written notice, for any reason, including, without limitation, absence of use thereof or if the Company has cause to believe that you have breached the Terms and Conditions.

The Company also has the right to amend, withdraw or transfer any content comprising Client Connect.

Under no circumstances can the Company be held liable to you or to any third party for any damage or loss resulting from the termination of Your access to Client Connect.

The Company reserves the right to amend the Terms and Conditions at any time without prior notice. When such amendments are made, the Company shall notify by electronic means or otherwise the User thereof, and the User shall be responsible for consulting such amendments. By continuing to use Client Connect, you will be deemed to have agreed to the amendments so made.

These Terms and Conditions for Client Connect constitute the entire agreement between the Company and you with respect to the use of Client Connect. However, such Terms and Conditions are supplementary to all principal agreements between you and the Company, which agreements are to take precedence over the Terms and Conditions in the event of a conflict or contradiction, including, without limitation, cash account and margin account agreements. You may also be subject to specific additional conditions of use governing certain third-party services, content and software, which additional conditions will be communicated to you upon access to such services, content or software. The Company’s failure to exercise its rights under this agreement does not constitute a waiver of any such rights. In the event that any provision of these Terms and Conditions is declared illegal, unenforceable or void by a court decision, the other provisions will remain valid and will continue to apply. Section headings are for information purposes only.

These Terms and Conditions, as well as any applicable additional conditions, are governed by the laws of that province of territory and by any applicable federal laws of Canada where you reside. If you become a non-resident of Canada, these Terms and Conditions, as well as any applicable additional conditions, are governed by the laws of the jurisdiction in which your investment advisor’s branch is located, or if you do not have an investment advisor, by the laws of the Province of Manitoba.

The Terms and Conditions were last updated on September 16, 2024.

You acknowledge having read the Terms and Conditions of Use of Client Connect.