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Terms & Conditions

By visiting this site, you accept and agree to be bound by and comply with the Terms and Conditions of its use, which are described in the following. If you do not wish to abide by these Terms and Conditions, please do not use this site.

The information and content provided within this site may be changed at any time without notice and FundEX Investments Inc. ("FundEX") and Crawford, Graham & Associates, it’s principals or employees will not be held liable for any inaccuracies of the information presented. In addition, changes may be made to the Terms and Conditions at any time without notice.

The information contained on the Crawford, Graham & Associates web site is for general information purposes only. This information is not intended to provide specific personalized advice including, without limitation, investment, financial, legal, accounting or tax advice. Please call your investment funds advisor to discuss your particular circumstances.

In no event will FundEX or Crawford, Graham & Associates its affiliates or employees be held liable to you or anyone else for any loss or damages whatsoever resulting from the use or misuse of this web site. There is to be no such reliance on the information documents, software or content.

All of Crawford, Graham & Associates and FundEX products and services are available only in jurisdictions where they may be legally offered. This does not constitute an offer or solicitation to buy or sell services or products to anyone in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make an offer or solicitation. If you reside outside Canada, please consult with your investment funds advisor to determine whether Mutual Funds or other products distributed through Crawford, Graham & Associates and FundEX Investments Inc. may be lawfully sold in your jurisdiction.

This site will be governed by and construed in accordance with the laws of the Province of Ontario and the laws of Canada applicable therein. All disputes, controversies or claims arising out of or in connection with this site shall be submitted to and be subject to the jurisdiction of the courts of the Province of Ontario.

The contents of this site are protected and are applicable by copyright laws. You may download information off the site but no permission is granted to copy, distribute, modify, post, or frame any text, graphics, video, audio, software code, user interface design, logos or other word marks used within the site that are registered trademarks of Crawford, Graham & Associates or FundEX.

The display of trademarks and trade names on pages of this site does not imply that a license of any kind has been granted to anyone else. The information is for your personal use only. Any unauthorized downloading, re-transmission, or other copying or modification of trade marks and/or the contents of the site may be a violation of any federal or other law that may apply to trade marks and/or copyrights and could subject the copier to legal action.

E-mail over the Internet is not a secure medium and privacy cannot be assured. Crawford, Graham & Associates and FundEX cannot assume any responsibility for any harm or damage you may experience or incur by sending personal or confidential information to Crawford, Graham & Associates or FundEX over the Internet by e-mail, or if we send such information at your request.

Links

Links to other Web sites are not endorsements or approvals. By accessing one of the links provided you will be leaving the Crawford, Graham & Associates web site. Crawford, Graham & Associates is not responsible for the information contained on these websites.

Disclaimers

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 Canadian 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 Funds have tax credits that are subject to certain conditions and are generally subject to recapture, if shares are redeemed within eight years.

Hedge Funds may not be suitable for all investors and are intended for sophisticated investors who understand the associated risks. Hedge Funds are sold only through persons authorized to sell such products. Prospective investors should conduct careful independent analysis, including review of relevant offering memorandum or prospectus documents and should also consult their investment funds advisor. Mutual fund securities are not guaranteed and are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. Indicated rates of return are the historical annual compounded total returns including changes in unit value and reinvestment of all distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns. Rates of return are used only to illustrate the effects of the compound growth rate and are not intended to reflect future value of the mutual fund or returns on investment in the mutual fund.

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 circumstances.

Client Product Disclosure

As professional financial advisors, it is our responsibility to gather information about our clients, their future plans and objectives, and recommend solutions based on analysis of their current financial situation and future needs. We will provide you with an unbiased assessment and recommendation that puts your interests first and foremost.

We are duly licensed insurance agents in the Province of Ontario, and are affiliated with Paradigm Financial Advisors Inc. who is affiliated with BridgeForce Financial Group, a national provider of insurance, investment products and financial advice. Through the affiliation with this office we are able to offer clients insurance and investment products underwritten by AIG Life of Canada, Assumption Mutual Life, AXA Financial Services, Canada Life, Desjardins Financial Security, Empire Financial Group, Equitable Life of Canada, Green Shield Canada, Industrial Alliance Insurance & Financial Services, Manulife Financial, RBC Insurance, Standard Life and Transamerica Life Canada and others. In addition we are able to offer client accounts and services from Manulife Bank. We are also licensed to offer Mutual Funds in the province of Ontario and our Mutual Fund Dealer is FundEX Investments Inc.

If you choose to purchase an insurance or investment product through us, we will receive a sales commission when the product is issued. We may also receive compensation while the product remains in force and may receive compensation when you engage in specific transactions. We may become eligible to receive additional compensation and benefits, such as bonuses, travel incentives and other non-monetary rewards, depending on the success of our business, volume of sales and other factors.

Substantially all of the commissions and other benefits that we receive for products offered through Paradigm Financial Advisors Inc do not depend on my recommending the products of any particular insurance or mutual fund company but are based on my business as a whole and the client need and suitability.

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.