COPYRIGHT

This site has been developed by and is the property of GWL Realty Advisors Inc ("GWLRA"). All information and materials contained on this site are protected by copyright, trademark and other intellectual property laws of Canada and other countries. Subject to the limited license to use this site as described below, no person may copy, redistribute, reproduce or republish in any form, or link to, this site or its contents in any manner whatsoever, including by way of hyperlinks or framing, unless that person has obtained the prior consent of Great-West. Any infringement of the rights of GWLRA may result in appropriate legal action.

LIMITED LICENSE AND USE

GWLRA grants you a limited license to display the contents of this site on your computer and print, download and use the materials on this site solely for non-commercial, personal or educational purposes, provided that the contents of the site are not modified in any way and that all copyright and other notices are maintained.

This site is for general information purposes only and is not intended to provide you with any personalized financial, insurance, legal, accounting, tax or other professional advice. You will not rely on this site as a substitute for independent research or for personal advice from a representative of GWLRA or its affiliated companies or any other appropriate professional advisor.

Nothing on this site constitutes an offer to buy or sell products or services of GWLRA or its affiliated companies. All products and services are subject to the terms and conditions of any applicable agreements. GWLRA products and services are available only in jurisdictions where they may be lawfully offered for sale in Canada.

CONFIDENTIALITY AND PRIVACY

As a wholly owned subsidiary of The Great-West Life Assurance Company, GWLRA's employees and agents are committed to respecting the privacy and confidentiality of information in accordance with our privacy guidelines, and applicable law. However, you acknowledge and confirm that the Internet is not a secure medium where privacy and confidentiality can be guaranteed and that complete security and confidentiality of transmissions to and from this site over the Internet is not possible at this time. Your confidential use of the site cannot be guaranteed and you acknowledge that your use of the site (including information you transmit to the site) may be subject to access or manipulation by, or disclosure to, third parties. Without limiting any other disclaimer herein, GWLRA shall not be responsible or liable for any damages that you or any other person may suffer in connection with any such breach of privacy, confidentiality or security. Any person wishing to communicate or send information of a private or confidential nature to GWLRA is encouraged to do so by other means.

TRADEMARKS

GWLRA and its affiliated companies respectively own or have obtained the right to use by license all the trademarks used on or in connection with the goods and services which they provide. The trademarks are protected by the Canadian and foreign trademark laws. All rights reserved. The display of trademarks on this site shall not in any way be construed as an implied license to use such trademarks.

GENERAL DISCLAIMER

The content of this site is provided for informational and educational purposes only and is subject to modification without notice to you. While information posted on this site is believed to be reliable and accurate at the time of posting, GWLRA does not guarantee, represent or warrant that the information contained on this site is accurate, complete, reliable, verified or error-free.

GWLRA makes no express or implied representations or warranties regarding the usability or condition of this site, that this site will operate uninterrupted or error-free, or that this site will operate in combination with any services or software used in connection therewith or that it shall be viewed consistently with all browser software or that any communication transmitted to or from this site is private, confidential or secure.

GWLRA expressly disclaims all representations, conditions or warranties, express or implied, statutory or otherwise, including, without limitation, the warranties and conditions of merchantable quality and fitness for a particular purpose, non-infringement, compatibility, timeliness, security or accuracy, and any representations, warranties or conditions that may arise from a course of dealing or usage of trade.

You assume full responsibility for risk of loss of any nature whatsoever resulting from use of this site. Without limiting the generality of the foregoing, you acknowledge and agree that GWLRA or any of its directors, officers, employees or agents shall not be liable to you for loss of data, computer time or any loss or damage of any nature whatsoever arising out of or attributable in any manner whatsoever to your use or inability to use this site for any reason whatsoever or to any action or inaction on the part of GWLRA or for any direct, indirect, special or consequential damages, even if GWLRA has been advised of the possibility thereof, including but not limited to lost profits, lost opportunities or business revenues, loss of goodwill, or failure to realize expected savings.

This site contains links to other sites which sites are not maintained or controlled in any way by GWLRA. Such links are provided for convenience only and are not to be construed as an endorsement by GWLRA of the products, services, advice or opinions or any other content of such sites.

MORE INFORMATION

For more information concerning the terms and conditions of use of this site or to request the authorization to reproduce or distribute the content of this site or any part thereof, please contact:

Gayle Gonsalves, Manager Marketing (416) 359-2933