Legal and Disclaimers
CI Assante Wealth Management offers a variety of financial and wealth management products and services through its various operating subsidiaries: Assante Capital Management Ltd., Assante Financial Management Ltd., and Assante Estate and Insurance Services Inc.
References to "Assante" or "we" may refer either to CI Assante Wealth Management or to its operating subsidiaries. By accessing this web site, you agree to be bound by and accept the terms and conditions set out below.
The content of this web site is provided for informational purposes only and is not intended to provide specific advice with respect to financial, investment, insurance, tax, legal or accounting matters and should not be relied upon in that regard. Additionally, the information contained on this website may not apply to all investors. For information specific to your situation you should consult your financial advisor or other appropriate investment, legal or accounting professionals before acting on any of the information contained herein.
The information presented does not constitute a solicitation or offer by Assante to buy or sell any security or any investment or insurance product, or any other financial instrument of any issuer. Information provided on this web site is believed to be reliable when posted however it is subject to change without notice and no warranty can be made as to its accuracy or completeness. Market conditions may change which may impact the information contained herein. Assante (including any of its related corporations or affiliates, and their respective officers, directors, employees or advisors, or any other person associated with the creation of this website and its contents) is not responsible in any manner for any direct, indirect, special or consequential damages or losses of any kind, however caused, arising out of the use of this web site.
PRODUCTS AND SERVICES
Assante offers a variety of financial and wealth management products and services through Assante Financial Management Ltd., a registered mutual fund dealer, and Assante Capital Management Ltd., a registered investment dealer. Insurance products and services are provided through Assante Estate and Insurance Services Inc.
Wealth planning services may be provided by an accredited Assante advisor or through CI Assante Private Client, a division of CI Private Counsel LP (“CIPC”), or a non-affiliated third party. CIPC is an affiliate of Assante and provides portfolio management services as a registered advisor under applicable securities legislation. For a complete list of CIPC's related and connected companies, see CIPC's Statement of Policies.
Assante and CIPC are indirect, wholly-owned subsidiaries of CI Financial Corp. (“CI”). The principal business of CI is the management, marketing, distribution and administration of mutual funds, segregated funds and other fee-earning investment products for Canadian investors through its wholly-owned subsidiary CI Global Asset Management. If you invest in CI products, CI will, through its ownership of subsidiaries, earn ongoing asset management fees in accordance with applicable prospectus or other offering documents. CI Global Asset Management is a registered business name of CI Investments Inc. For a complete list of CI's related and connected companies, see CI's Statement of Policies.
Certain products and services may not be available through all offices. Products and services may only be sold through companies and individuals licensed to sell the product in jurisdictions in which the product is qualified for sale. This web site does not constitute an offer or solicitation to buy or sell any product or service to anyone in the United States of America, its territories or possessions or in any jurisdiction in which an offer or solicitation is not authorized or cannot legally be made or to any person to whom it is unlawful to make an offer or solicitation. For information specific to your jurisdiction, please contact your nearest Assante office.
The terms and conditions under which products and services may differ from those set out on this web site and may change from time to time. Products and services are provided only in accordance with the terms of the specific investment contract, prospectus or other documents or contracts governing their sale. In case of any inconsistency between the content of this web site and any such investment contract, prospectus or other document or contract the terms of the investment contract, prospectus or other document or contract shall prevail. While every effort is made to keep the contents of this web site current, you should check with your Assante advisor to determine whether changes have been made to the terms and conditions under which Assante products and services are offered that are not reflected on this web site.
ASSANTE FINANCIAL MANAGEMENT LTD.
Assante Financial Management Ltd. (“AFM”) is a registered mutual fund dealer providing mutual fund products and investment services. AFM advisors are licensed to sell mutual funds guaranteed investment certificates (“GICs”), and government bonds.
AFM is a member of the Mutual Fund Dealers Association of Canada (“MFDA”), the national self-regulatory organization (“SRO”) for the distribution side of the Canadian mutual fund industry. To learn more about the MFDA please visit http://www.mfda.ca.
ASSANTE CAPITAL MANAGEMENT LTD.
Assante Capital Management Ltd. (“ACM”) is a registered investment dealer providing investment products and services. ACM advisors are licensed to sell equity securities, bonds, mutual funds, GICs and other securities that are subject to available regulatory exemptions and required proficiencies.
ACM is a member of the Investment Industry Regulatory Organization of Canada (“IIROC”), the national SRO which oversees all investment dealers and trading activity on debt and equity marketplaces in Canada. To learn more about IIROC please visit http://www.iiroc.ca.
To research the background, qualifications and disciplinary information on advisors at IIROC-regulated firms please visit Know Your Advisor on the IIROC website to generate an IIROC AdvisorReport.
ACM has custodial service arrangements with CI Investment Services Inc. for nominee accounts, and National Bank Independent Network for margin accounts. Please visit ACM’s order handling policy for more information.
INSURANCE AND INSURANCE-RELATED INVESTMENT PRODUCTS
AFM and ACM advisors may offer life insurance products and services through Assante Estate and Insurance Services Inc. (“AEIS”) or a non-affiliated managing general agency (MGA). They may also offer insurance-based investment products, such as segregated funds, through their dealer (AFM or ACM as applicable), AEIS or a non-affiliated MGA. The advisor is required to be duly licensed to do so under applicable provincial insurance legislation and the dealer must approve such activity to be conducted outside of the dealer.
RELATIONSHIP DISCLOSURE INFORMATION
During the initial account opening process, ACM and AFM clients receive our Relationship Disclosure Information Booklet. This document details, among other things, the nature of our relationship with the client, identifies the services we offer, discloses all of the costs to operate an account and describes the types of risks that a client should consider when making an investment decision.
AFM and ACM are subject to the oversight of the provincial securities commissions and national SROs, and are required to adhere to regulations governing investor protection, financial market integrity, and stringent recordkeeping. These requirements are monitored by the MFDA and IIROC, respectively, through independent audits conducted regularly by external auditors and by examiners or the regulators.
In Quebec, AFM and ACM are registered with the Autorité des marchés financiers (“AMF”), the organization mandated by the provincial government to regulate securities and mutual fund dealers in Quebec. Our representatives and dealer entities in Quebec are subject to AMF rules and regulations in addition to MFDA and/or IIROC rules and regulations, as applicable. To learn more about the AMF, please contact your advisor or visit the AMF website at https://lautorite.qc.ca/en.
INDUSTRY-WIDE INVESTOR PROTECTION
AFM and ACM are members of industry investor protection plans, as outlined below. The investor protection plans reimburse investors for assets held through the member dealer in an account for the customer, within predefined limits, if their dealer becomes insolvent or bankrupt and their assets are missing as a result. There are no fees charged to the investor for participation in the industry investor protection plans.
AFM is a member of the MFDA Investor Protection Corporation (“MFDA IPC”) which operates in all provinces except in Quebec. To learn more about the MFDA IPC, please contact your advisor or visit the MFDA's website at http://mfda.ca/mfda-investor-protection-corporation.
ACM is a member of the Canadian Investor Protection Fund (“CIPF”). To learn more about the CIPF, please contact your advisor or visit http://www.cipf.ca.
Additional details about investor safeguards in place at Assante are outlined in our document How Assante Protects Your Assets.
MUTUAL FUND INVESTMENTS
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Unless otherwise indicated and except for returns for periods less than one year, the indicated rates of return are the historical annual compounded total returns including changes in security value. All performance data assume reinvestment of all distributions or dividends 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. Mutual fund securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. Please read the prospectus and consult your advisor before investing.
Labour-sponsored investment funds are not guaranteed, their value changes frequently and past performance may not be repeated. Availability and amounts of tax credits are subject to certain conditions and limitations and are subject to repayment if shares are not held for eight years.
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 funds.
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 the loan’s terms remains the same even if the value of the securities purchased declines.
INVESTMENTS IN LIMITED PARTNERSHIPS
There are a number of risks associated with investments in a Limited Partnership (“LP”). Investors should refer to each LP’s offering documents for details. Important information about this offering is contained in the prospectus relating to this offering, a copy of which should be obtained from the agents or the offices of designated subagents. You should review the prospectus carefully, and consult your advisors, including tax professional, before making an investment decision. Such an offer can only be made by prospectus.
All charts, calculations, projections and illustrations are for general illustrative purposes only, they are not intended to predict or project investment results, and they are not guaranteed to be accurate or complete. Actual results may vary from your investment, savings, loan or other investments available to you and depend on a number of factors including each investor’s personal investment profile, investment time horizon, and fees and expenses charged. Interest rates are hypothetical and are not meant to represent any specific investment. Rates of return will vary over time, particularly for long-term investments. Please consult your advisor for individual financial advice based on your personal circumstances.
This website may contain forward-looking statements which reflect our current expectations or forecasts of future events. Forward-looking statements include statements that are predictive in nature, depend upon or refer to future events or conditions, or include words such as “expects”, “anticipates”, “intends”, “plans”, “believes”, “estimates”, “preliminary”, “typical”, and other similar expressions. Statements that look forward in time or include anything other than historical information are inherently subject to, among other things, risks, uncertainties and assumptions which could cause actual events, results, performance or prospects to differ materially from those expressed in, or implied by, these forward-looking statements. Forward-looking statements are not guarantees of future performance and are by their nature based on numerous assumptions. These risks, uncertainties and assumptions include, without limitation, general economic, political and market factors in North America and internationally, interest and foreign exchange rates, the volatility of global equity and capital markets, business competition, technological change, changes in government regulations, changes in tax laws, unexpected judicial or regulatory proceedings and catastrophic events. The foregoing list of important risks, uncertainties and assumptions is not exhaustive. Please consider these and other factors carefully and not place undue reliance on forward-looking statements.
The forward-looking information contained on this website is current only as of the date the statement was made. Unless required by applicable law, there should not be an expectation that such information will in all circumstances be updated, supplemented or revised whether as a result of new information, changing circumstances, future events or otherwise.
TRADEMARKS AND COPYRIGHTS
CI Assante Wealth Management is a registered business name of Assante Wealth Management (Canada) Ltd.
Certain names, words, phrases, graphics or designs on this web site may constitute trade names, registered or unregistered trademarks or service marks (collectively, "Trademarks") of CI Investments Inc., its subsidiaries, affiliates or third parties, used with permission. The display of Trademarks on this web site does not imply any licenses have been granted to any third party.
Users of this web site shall be entitled to copy any information from this web site for their own personal use provided that it is not modified and that all copyright and other notices contained in this web site are maintained. Users of this web site may not otherwise use, reproduce, broadcast, publish or re-disseminate any information, in whole or in part, without the prior written permission of Assante.
Any unauthorized downloading, re-transmission, or other copying or modification of these Trademarks or of the contents of this web site may be a violation of law that may and could subject you to legal action.
THIRD PARTY LINKS
Links to other web sites are for convenience only, are independent from Assante and therefore Assante has no control over the content of a linked web site. Assante will not be liable for any inaccuracies in such information or for the content of any linked web sites that are not maintained by Assante nor does Assante endorse any product or service available through a linked web site. Assante makes no claims that third party web sites will be free of viruses, worms, Trojan horses or other destructive components on or from such web sites. Linking to another web site is at your sole risk and Assante is not responsible or liable for any damages in connection with linking.
This web site will be governed by and construed in accordance with the laws of the Province of Ontario and the laws of Canada applicable therein, without giving effect to any principles of conflicts of laws. All disputes, controversies or claims arising out of or in connection with the web site shall be submitted to and be subject to the jurisdiction of the courts of the Province of Ontario. You submit and attorn to the exclusive jurisdiction of the courts of the Province of Ontario to finally adjudicate or determine any suit, action or proceeding arising out of or in connection with the website.
COMPLAINT HANDLING PROCESS
Assante provides a written summary of our complaint handling procedures to new clients at account opening.
Assante has an obligation to review all client complaints. Upon receipt of a complaint, our firm first determines the nature of the complaint. Once determined, we review the details with those persons party to the event/transaction that gave rise to the complaint. Where necessary, our review may include additional contact with the individual(s) who initiated the complaint. Upon completion of our review, we provide a summary of the complaint, results of our investigation, an explanation of our final decision and an outline of other options for seeking compensation available to the client, if the client is not satisfied with the firm's response. Our firm will provide a final decision with respect to a complaint within 90 days or an interim response, with an explanation for the delay and the expected new response time.
Securities rules and regulations govern the processes by which Assante shall review and respond to client complaints. For further information, please contact our Designated Complaints Officer, who is our Manager, Complaints & Regulatory Inquiries addressed to firstname.lastname@example.org.