Legal & Privacy

Web Site Content

Pulis Investment Group and its subsidiaries and affiliates created this Web site to be used by the general public and our investors. The Web site does not, and it is not intended to, provide any financial, legal, accounting, or tax advice, and must not be relied upon by you in that regard. The Web site should not be used, or relied upon by you, as a substitute for your independent research or consultation with your own financial, legal or tax advisors.

The information, text, graphics and links provided in this Web site are provided by Pulis Investment Group as a convenience to you. Pulis Investment Group will use reasonable efforts to include accurate and up-to-date information. However, due to the nature of the Internet, Pulis Investment Group does not warrant and cannot guarantee the accuracy, completeness or authenticity of the information contained in this Web site, or the information, text, graphics, links, Web site functionality, and other items contained on this server or its suitability for any purpose.

Pulis Investment Group does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this Web site or the server that makes it available is free of viruses or other harmful components as such information is received by you because Pulis Investment Group cannot control the transmission of information over this medium. Pulis Investment Group does not warrant or make any representations regarding the use of, or the results of the use of, the materials on this site, or your transmission of any software, data or information from the Web site to you.

Information provided on this Web site is believed to be reliable when posted. However, we cannot guarantee that information will be accurate, complete and current at all times. This Web site could include technical inaccuracies or typographical errors. Pulis Investment Group will from time to time revise the information, products and services described in this Web site, and reserves the right to make such changes without notice.

Liability

The use of this Web site is entirely at your risk. The materials and information in this Web site (including text, graphics, and functionality) are presented without express or implied warranties of any kind and are provided “as is”. It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided.

Pulis Investment Group intends for the information contained in this Web site to be accurate and reliable. However, errors sometimes occur. Therefore, Pulis Investment Group and its related, affiliated and subsidiary companies to the full extent permitted by applicable laws disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose as to any matter whatsoever relating to this Web site or the information contained herein.

To the full extent permitted by applicable laws, in no event shall Pulis Investment Group, its agents, employees, directors, officers and affiliated companies be liable for any damages of any kind caused to any person as a consequence of the use of this Web site including but not limited to any direct, special, incidental, indirect or consequential damages of any kind including but not limited to loss of use, loss of data or loss of profits, whether or not advised of the possibility of such damage, or based upon any theory of liability, arising out of or in connection with the use or performance of this Web site or the information contained herein. We will not be responsible for any detrimental reliance that you may place upon the Web site or its contents.

Product Availability

Unless otherwise specified, the materials in the Web site are presented solely for the purpose of educating the user about the products and services of Pulis Investment Group. Nothing in this Web site constitutes an offer to buy or sell products or services of Pulis Investment Group or its affiliated companies. Pulis Investment Group makes no representation that any or all of the materials in the Web site are appropriate or available for sale in any or all locations. Not all products and services described are available in all provinces of Canada, states of the U.S. or the world. No investment, security or other product offered by Pulis Investment Group and its affiliates is offered or will be sold in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the insurance or securities laws or other laws of such jurisdiction. No such security or product is offered or will be sold in any jurisdiction by an entity which is not properly licensed to do so in such jurisdiction. Some products may not be available in all states. In addition, any prospectus information available on this Web site is posted for informational purposes only.

Those who choose to access this Web site do so on their own initiative and are responsible for compliance with state, local and foreign laws, if and to the extent such laws are applicable.

The investments referred to in this Web site may be offered and sold only to persons in Canada.

Copyright

This Web site is provided for your personal viewing and Pulis Investment Group maintains all copyrights in the text, buttons, layouts, graphic images and logos contained in this Web site. Except as stated herein, no portion of this Web site or its contents may be reproduced, copied, republished, altered, or transmitted, uploaded, downloaded, or posted in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of Pulis Investment Group.

Modification of the materials or use of the materials for any other purpose is a violation of Pulis Investment Group’s copyright and other proprietary rights. The use of any such material on any other Web site or networked computer environment is prohibited.

You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this Web site, without prior written permission of Pulis Investment Group.

An acknowledgment of the source must be included whenever our materials are copied or published. Any infringement of our rights will result in appropriate legal action. Pulis Investment Group and its affiliated companies disclaim any and all liability which may result from any unauthorized reproduction or use of the information on this site.

License and Reproduction

Permission is granted to print copies of portions of this Web site, but not the entire Web site, and to display and navigate around this Web site with a computer using HTML browser software, solely for personal use. Any commercial use of this Web site or any portion hereof is strictly prohibited. A hyperlink to the Uniform Resource Locator (URL) of this Web site in HTML documents which you prepare, must be approved in writing or via email, prior to making such hyperlink, and is subject to the following conditions: (a) the URL may be used only for the purpose of hyperlinking to Pulis Investment Group’s home page at “http://www.pulisinvestmentgroup.com”; (b) the URL shall be clearly identified as being a link to a Web site owned and operated by Pulis Investment Group or its affiliated companies; and (c) you will make no other use of any Pulis Investment Group intellectual property, other than the URL, without Pulis Investment Group’s express written permission.

Trade Marks

The logo shown here for Pulis Investment Group is a registered trade mark of Pulis Investment Group. Unless otherwise indicated, all trademarks, service marks, and trade names are proprietary to Pulis Investment Group or its affiliates. Pulis Investment Group enforces its intellectual property rights. Use in commerce other than as “fair use” is prohibited by law except by express license from Pulis Investment Group.

Other parties’ trademarks and service marks that may be referred to herein are the property of their respective owners.

Viruses

Because of the marked increase in the fabrication and proliferation of computer viruses affecting the Internet, we want to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded materials received from the Internet. Pulis Investment Group is not responsible or liable for any damage caused by such hazards.

Pulis Investment Group companies cannot and do not guarantee or warrant that files available for downloading from this Web site are free of viruses, worms, Trojan horses or other code that has contaminating or destructive properties. Pulis Investment Group companies do not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title, noninfringement or fitness for a particular purpose) with respect to the files available for downloading from this site. In no event will Pulis Investment Group companies be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on results obtained from use of files downloaded from this site.

Security

Information submitted into secured regions of our Web site is protected by Pulis Investment Group using three layers of security:

Users are required to login using a unique user ID and password.

A firewall (a combination of computer hardware and software) keeps unauthorized users from accessing information within Pulis Investment Group’s computer network.

Encryption technology is used to secure data when it’s being transferred from one computer to another.

However, all other information submitted to Pulis Investment Group while not logged into secured regions of this Web site including electronic mail inquiries, is submitted through the Internet, which is an unsecured, public network.

Although Pulis Investment Group employs the most current and stringent Internet security standards, you acknowledge and confirm that the Internet is not a secure medium where privacy can be ensured, and that complete security and confidentiality over the Internet is not possible at this time. Your confidential use of the Web site cannot be guaranteed and you acknowledge that your use of the Web site (including information you transmit to the Web site) may be subject to access by, or disclosure to, other persons. Without limiting any other disclaimer herein, Pulis Investment Group shall not be responsible or liable for any harm that you or any other person may suffer in connection with any such breach of confidentiality or security.

Linked Web Sites

Other Internet or Web sites which may provide access to this Web site by hypertext links (“hyperlinks”) are entirely independent of this Web site. Links to other Internet or Web sites from this Web site are included as a convenience for our visitors and in no way are meant to imply that Pulis Investment Group endorses, sponsors, promotes or is affiliated with the owners of or participants in those sites, or endorses any information contained on those sites, unless expressly stated. Pulis Investment Group does not guarantee the accuracy of any information in these other sites nor does it assume any liability for the content or presentation of linked sites.

Pulis Investment Group cannot guarantee that the hyperlinks set out on our Web site will be accurate at the time of your access. Moreover, the sites pointed at by hyperlinks have been independently developed and possibly maintained by person(s) over whom Pulis Investment Group has no control. Pulis Investment Group cannot and does not monitor the sites linked to its pages on the Internet or any transmission made through the respective web pages and news groups. Accordingly, Pulis Investment Group assumes no responsibility for the content of any site referenced to by any hyperlink or otherwise. Pulis Investment Group believes that our making available hyperlinks to publicly accessible web pages is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

Privacy

Information provided by you through our Web site is used for Pulis Investment Group business purposes only in order to service your needs.

Pulis Investment Group may use “cookies” or related technology in order to track usage of the Web site, and in order to improve our service to you.

Pulis Investment Group and its affiliated companies and representatives are committed to respecting the privacy of your personal information. However, it must be understood that the Internet is not a completely secure medium of communication. Therefore, we cannot guarantee the privacy of any information you input on this Web site or send to us on the Internet. We will not be responsible for any damages you or others may suffer as a result of the loss of confidentiality of any such information. We look forward to communicating with you and have provided many places on this Web site for you to contact us. However, please remember that, unless the specific access location says otherwise, all messages sent to or from this Web site can be accessed by other Internet users. To protect your privacy, please do not use e-mail to communicate information that you want kept confidential.

Confidentiality is a top priority at Pulis Investment Group. We are committed to maintaining the highest level of confidentiality with all of the information we receive from our producers or policyowners, including the information received from this Web site.

Governing Laws

The applicable federal laws and the laws of the Province of Ontario shall govern as to the interpretation, validity and effect of this policy and any use of the Web site, without giving effect to any principles of conflicts of law. If any provision of this policy shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this policy and shall not affect the validity and enforceability of any remaining provisions. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the Province of Ontario, or the federal courts situated in the Province of Ontario, in any action or proceeding instituted under or related to this policy or your use of this Web site.

Service Request Forms

Any information requested is for our internal use to service your request. It is not shared with any third party, unless permitted by you or required by law.

Interactive Forms or Calculators

Any interactive forms or calculators on this Web site are there for your information only. Pulis Investment Group tracks, retains and/or uses any of the data input into these forms for our internal use only.

Aggregated Tracking Information

This Pulis Investment Group Web site collects no personally identifying information about individuals except when specifically and knowingly provided by such individuals. Pulis Investment Group will not release any of said information about you without your permission, unless permitted or required by law. Pulis Investment Group gathers two types of information about people who visit our site: data you provide through optional, voluntary contact request forms; and aggregated tracking information such as IP address and home server information.

To enable us to continually improve on the content we offer our users, as well as for systems administration purposes, we collect aggregate information site-wide. This gives us an idea of which parts of our Web site users are visiting. We do not link IP addresses to anything personally identifiable, which means a user’s session will be tracked, but the user will be anonymous.

Information Collection and Use

Pulis Investment Group routinely gathers data on Web site activity, such as information about Web site visitors, to improve the caliber of online information and services offered. There are two forms of data that Pulis Investment Group collects: Web site visitorship data and personal information voluntarily provided to us by Web site visitors.

Web site visitorship data is

  • collected on an aggregate, anonymous basis, which means no personal information is associated with this data;
  • gathered through the use of Web server logs and cookies. A Web server log is a file where Web site activity is stored. A cookie is a small piece of information that a Web site sends to a visitor’s computer, which is stored on his or her hard drive. Pulis Investment Group uses cookies to track repeat visits to its Web site. Although Pulis Investment Group assigns a cookie to a visitor’s computer, the company does not know who that visitor is unless that person specifically tells us; and
  • shared among Pulis Investment Group business units to improve Web site content and overall service.

Submissions

Pulis Investment Group welcomes your comments regarding our Web site. While we do value your feedback, we ask that you not submit to us any suggestions, materials, ideas or creative concepts for new, modified or different products or services via this Web site. Pulis Investment Group requests this in order to avoid confusion in the future regarding the origin of the concept, product or service.

If, despite our request that you not send us any creative materials, you in fact send us creative suggestions, ideas, concepts or other information (collectively, the Information), such Information shall be deemed by Pulis Investment Group to be, and shall remain, the property of Pulis Investment Group. None of the Information shall be subject to any obligation of confidence on the part of Pulis Investment Group and Pulis Investment Group shall not be liable for any use or disclosure of any Information. Without limiting the foregoing, Pulis Investment Group shall exclusively own all rights to the Information of every kind and nature and shall be entitled to unrestricted use of the Information for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Information.

Other Service Mark/Trademark Information

Adobe and Acrobat are trademarks of Adobe Systems Incorporated and are used with permission from Adobe Systems Incorporated.

Microsoft, Windows, Windows NT, MSN, The Microsoft Network and/or other Microsoft products referenced herein are either trademarks or registered trademarks of Microsoft Corporation and are used with permission from Microsoft Corporation.