Janea Bellay Legal Disclaimer

This website, its design and content is the exclusive property of Janea Bellay. All rights reserved. Unauthorized reproduction, use or representation of this website, in part or in whole is expressly forbidden.

All images are copyright their original owners and are used under the licenses applied.

Performance Financial Services Inc. is a registered corporation within the province of Saskatchewan, Canada.

Janea Bellay reserves the right to add, modify or remove any content at any time. For confirmation of pricing, special offers or other business-related issues, please contact Janea Bellay directly.

Desjardins Financial Security Disclaimers

THIS SITE IS NOT THE PROPERTY OF DESJARDINS FINANCIAL SECURITY, OR DESJARDINS FINANCIAL SERCURITY INVESTMENTS INC. THEY DO NOT HAVE ANY CONTROL OVER THE CONTENT OR THE USE OF THE SITE.

DESJARDINS FINANCIAL SECURITY AND ITS AFFILIATES SHALL NOT BE LIABLE OR RESPONSIBLE TO ANY PERSON FOR ANY HARM, LOSS OR DAMAGE (WHETERH ARISING IN CONTRACT, TORT, NEGLIGENCE, OR OTHERWISE) THAT MAY ARISE DIRECTLY OR INDIRECTLY FROM THIS SITE, THE USE, INABILITY TO USE, OR MALFUNCTIONING OF THIS SITE OR THE INFORMATION CONTAINED HEREIN, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, THIRD PARTY, OR CONSEQUENTIAL DAMAGES.THIS SITE IS INTENDED FOR READERS IN THE PROVINCE OF SASKATCHEWAN OR THE PROVINCE OF ALBERTA.

About Desjardins

THE LARGEST COOPERATIVE FINANCIAL GROUP IN CANADA

A financial force with $135.1 billion in assets.

A human force of over 5.8 million members and clients, 400,000 business members, 37,000 motivated employees and 7,020 dedicated elected officers.

A highly accessible distribution network comprising:

• 536 caisses with 1,435 services centres in Quebec and Ontario.
• 52 business centres in Quebec and Ontario.
• 32 Desjardins Credit Union service centers in Ontario.
• A combined total of 113 points of service in Manitoba and New Brunswick, that is 40 affiliated caisses and 73 service centres.
• One Desjardins Bank in Florida with 3 service centers and a commercial lending subsidiary in the U.S., all managed by Caisse centrale Desjardins.
• Some 20 specialized financial services subsidiaries, owned by the caisses, with around 100 business locations in Canada.
• A state-of-the-art virtual network on automated teller machines and internet.

Having pioneered the integrated offer of products and services in Canada, Desjardins provides its members and clients, both individuals and businesses, with a full range of financial products and services. Desjardins’ physical distribution network is supported by virtual access modes like www.desjardins.com, the most frequently visited financial Web site in the province of Quebec, and the third-most visited in Canada.

About Desjardins Financial Security Investments Inc.

Desjardins Financial Security Investments Inc. (DFS Investments) is a body corporate separate and apart from Desjardins Financial Security.

DFS Investments is a mutual funds dealer registered in every Canadian province (registered as a group savings plan and investment contract brokerage firm in the province of Quebec). It is registered as a limited market dealer in the province of Ontario. It is also registered in every Canadian province for the distribution of insurance products. DFS Investments representatives are qualified to provide advice on mutual funds, investment contracts and other investments products, among other things. In Quebec, DFS Investments is registered as an investment contract brokerage and financial planning firm.

Unless otherwise indicated, investments in products distributed by DFS investments are not insured, in whole or in part, by the Canada Deposit Insurance Corporation or by another public deposit insurance fund, as the case may be, nor are they guaranteed, in whole or in part, by Desjardins Financial Security, and their value is subject to market fluctuations.

Website/Canadian Residency Disclaimer

The information contained herein is for Canadian residents only and does not constitute an offer to sell or a solicitation in any foreign jurisdiction, or in any Canadian jurisdiction where JANEA BELLAY is not qualified to effect sales. This website is not meant to provide legal or account advice. As each situation is different you should consult your own professional advisor for advice based on your specific circumstances.

Dual-Branding Disclaimer

Desjardins Financial Security Investments Inc. is registered as a Mutual Fund Dealer with the Provincial Securities Commissions and as such our Associates are entitled to sell mutual funds and other approved securities as permitted under our registration. They may also be able to provide other services or products to you through their own business. As a member of the Mutual Fund Dealers Association of Canada (“MFDA”), Desjardins Financial Security Investments Inc.  is obligated to disclose to you that you may be dealing with companies other than Desjardins Financial Security Investments Inc. when purchasing services or products from your Associate (remuneration to your Associate may also come from various sources depending on the services or products purchased). For example, your Associate may offer any one or more of the following through a separate business, which would not be the responsibility of Desjardins Financial Security Investments Inc.:

* Deposit Instruments: GICs, Canada Savings Bonds;
* Fee for Service Financial Planning;
* Estate Planning;
* Tax Planning or Income Tax Preparation;
* Insurance: Life, Accident, Sickness, Disability, General.

Links Disclaimer

JANEA BELLAY and DESJARDINS FINANCIAL SECURITY (DFS) do not make any representation that the information in any linked site is accurate and will not accept any responsibility or liability for any inaccuracies in the information not maintained by them, such as linked sites. Any opinion or advice expressed in a linked site should not be construed as the opinion or advice of JANEA BELLAY or DFS. The information in this communication is subject to change without notice. Click here for additional policies and dislaimers related to links.

Borrowed Money (& Leverage) Disclaimer

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 even if the value of the securities purchases declines.

Mutual Funds Disclaimer

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

Insurance Disclaimer

Insurance products and services are offered through Performance Financial Services Inc. by Advisors licensed as life agents.

Segregated Funds Disclaimer

Subject to any applicable death and maturity guarantee, any part of the premium or other amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value according to fluctuations in the market value of the assets in the segregated fund.

Janea Bellay Privacy Policy

Janea Bellay is bound by PIPEDA and requires consent where the personal information it collects, uses, discloses and retains is used in the course of its commercial activities. The information Janea Bellay collects, uses, discloses and retains for Regulatory purposes does not require consent.

The following are the 10 principles with which Janea Bellay is required to comply with respect to personal information:

1. ACCOUNTABILITY

Janea Bellay is responsible for personal information under its control and shall designate one or more administrative members who are accountable for Janea Bellay compliance. The identity of the staff members shall be made known by Janea Bellay upon request.

Policy:

* General questions and comments related to PIPEDA , Janeabellay.com’s compliance with the legislation, as well as, that of individual business-related practices should be forwarded to Owner, Janea Bellay at janea@janeabellay.com. Concerns related to Janeabellay.com’s Compliance with the legislation, including the collection, use, retention and destruction of personal information held by Janeabellay.com should be also be forwarded to Janeabellay.com Manager, Janea Bellay at janea@Janeabellay.com

2. IDENTIFYING PURPOSES

The purpose for which personal information is collected, used and disclosed by Janeabellay.com in the course of its commercial activities is as follows:

Policy:

* Personal information collected, used and disclosed by Janeabellay.com in the course of its commercial activities is outlined above.

Procedure:

* A Consent Form, setting out the use of the personal information by Janeabellay.com in the course of its commercial activities, will be sent providing an opportunity to accept or deny its use. Any individual may subsequently amend his/her consent in writing.

3. CONSENT

The knowledge and consent of the individual is required for the collection, use, disclosure or retention of personal information in the course of Janeabellay.com commercial activities except where inappropriate. The form of the consent sought by Janeabellay.com may vary depending on the circumstances and the type of information and the reasonable expectations of the individual. Given the nature of the personal information it is reasonable to infer that an individual has given implied consent for the collection, use, disclosure or retention of personal information necessary for the identified purposes until the individual has returned the above noted Consent Form to Janeabellay.com An express consent with check off boxes allowing an individual to request that contact information not be given to other organizations which may use it for commercial activities will be included in the Consent Form. Janeabellay.com may collect, use and disclose personal information in the course of its commercial activities without the knowledge or consent of the individual if the collection, use or disclosure is clearly in the interest of the individual and the consent cannot be obtained in a timely manner or if it is reasonable to expect that the collection, use or disclosure with the knowledge or consent of the individual would compromise the availability or the accuracy of the information as more particularly set out in the PIPEDA .

An individual may withdraw his/her consent at any time upon reasonable notice subject to legal or contractual restrictions.

The only commercial entities to whom Janeabellay.com will divulge any personal information gathered in the course of its commercial activities are affiliate associations including but not limited to Better Business Bureau. Requests by such commercial entities will be addressed individually and evaluated by Janeabellay.com manager(s). Janeabellay.com reserves the right to refuse personal player information to any organization who is deemed non-compliant with PIPEDA .

Policy:

* Personal information collected, used, disclosed and retained by Janeabellay.com in the course of its commercial activities is identified in the Consent Form. Janeabellay.com will obtain written consent from all members to collect, use, disclose and retain his/her personal information in the course of its commercial activities.

* Any clients that are on Janeabellay.com will give prior consent in writing.

4. LIMITING COLLECTION

The collection, use and disclosure of personal information in the course of its commercial activities shall be limited to that which is necessary for the purposes identified by Janeabellay.com. Information shall be collected by fair and lawful means.

Policy:

* All personal information collected, used and disclosed by Janeabellay.com in the course of its commercial activities is obtained from individual Consent Forms.

Procedure:

* Collect, use and disclose personal information in the course of its commercial activities from Consent Forms.

5. LIMITING USE, DISCLOSURE AND RETENTION

Policy:

* Personal information collected, used or disclosed by Janeabellay.com in the course of its commercial activities shall not be used or disclosed for purposes other than those for which it was collected except with the consent of the individual or as required by law. Personal information shall be retained only as long as necessary for the fulfillment of those purposes.
* Nettwo may disclose personal information collected in the course of its commercial activities without the knowledge or consent of the individual if the disclosure is to a lawyer who represents Janeabellay.com or for the purposes of collecting a debt owed by the individual to Janeabellay.com or where such is required to comply with a subpoena or an Order of the Court or a person or body with jurisdiction to compel the production of information or where a request has been made by an investigative body and the disclosure is reasonable for purposes related to investigating a breach of an agreement or contravention of the Laws of Canada or a Province or are required by law.

Procedure:

* Only personal information collected from the Consent Form may be provided to those organizations identified on the Consent Form.

6. ACCURACY

Personal information collected, used or disclosed by Janeabellay.com in the course of its commercial activities shall be as accurate, complete and up to date as is necessary for the purpose for which it is to be used.

Policy:

* Janeabellay.com endeavors to maintain accurate and up-to-date records, however, the onus is on the individual to advise Janeabellay.com, in writing, with respect to any change in particulars.

Procedure:

* Changes to all information submitted in Consent Forms will only be accepted in writing.

7. SAFEGUARDS

Policy:

* Personal information collected, used and disclosed by Janeabellay.com in the course of its commercial activities shall be protected by security safeguards appropriate for the sensitivity of the information.

Procedure:

* Janeabellay.com’s database is password protected using standard encryption means.
* Access to the physical storage medium used is limited to those with access to the building in which the Janeabellay.com server is housed; currently two people.

8. OPENNESS

Janeabellay.com shall make readily available to individuals specific information about its policy of practices relating to the management of personal information collected, used and disclosed in the course of its commercial activities. An individual may contact the designated staff member to obtain further information.

Policy:

* An individual may request access to his/her personal information collected, used or disclosed by Janeabellay.com in the course of its commercial activities (Consent Form).

Procedure:

* Written request to the staff member responsible for Janeabellay.com’s compliance with the PIPEDA.

9. INDIVIDUAL ACCESS

Upon request, an individual shall be informed of the existence, use and disclosure of his/her personal information collected, used or disclosed by Janeabellay.com in the course of its commercial activities and shall be given access to that information. An individual shall be able to challenge the accuracy and completeness of the information and have it amended as appropriate.

Policy:

* An individual may request access to his/her personal information collected, used or disclosed by Janeabellay.com in the course of its commercial activities (Consent Form).

Procedure:

* Request to access personal information collected, used or disclosed on the Consent Form must be received in writing, including the date and time when he/she would like to view the Consent Form.
* Staff member accountable for Janeabellay.com’s compliance with the PIPEDA will remove that Consent Form from the binder for review by the individual.
* Changes to information contained on the Consent Form will be made by the individual in writing, signed and dated.

10. CHALLENGING COMPLIANCE

An individual shall be able to address a challenge concerning compliance with the above 9 principles with the designated administrative member accountable for Janeabellay.com’s compliance.

Policy:

* Complaints may be made to Janeabellay.com designated staff member accountable for Janeabellay.com’s compliance with the PIPEDA in addition to the Federal Privacy Commission.

Procedure:

* Complaint must be made in writing and should be addressed to the designated staff member accountable for ensuring Janeabellay.com’s compliance with the PIPEDA .
* The staff member accountable for Janeabellay.com’s compliance with the PIPEDA , in consultation with the Executive Director, will address the matter and issue a response to the individual within 30 days of receipt of the complaint.

To contact the Janeabellay.com Privacy Officer, please use the following email address: janea@Janeabellay.com