This website and the information contained herein does not constitute an offer or solicitation for the sale of any product or service of Dan Houcher Financial Ltd, or any of its associates or affiliates. Any formal offer of product will only be accompanied by formal application/offering documentation or other definitive materials that have been prepared in accordance with applicable law specifically for the purposes of making such an offer. The documents and information available within this website are not intended to provide you with any financial, accounting, tax or legal advice.
ACCURACY OF INFORMATION
While any information and material contained in the content are reasonably believed by Dan Houcher Financial Ltd. to be accurate and complete in all material respects at the time of posting, and although Dan Houcher Financial Ltd. makes reasonable efforts to ensure that all such information and material remain current, accurate and complete, Dan Houcher Financial Ltd. accepts no liability, responsibility or obligation whatsoever to post, update, amend, review or remove such information, material or the content or any portion thereof except as may be required by applicable law. You acknowledge that such facts, information and material may change quickly and without notice and that such changes will take time to be posted on the website, if they are posted at all. Dan Houcher Financial Ltd. may, at its sole discretion, post, delete and amend content without notice.
The information contained herein is for Alberta and British Columbia residents only and does not constitute an offer to sell or solicit sales in any other Canadian or foreign jurisdictions. Material contained in or accessible through this website is for information purposes only. Commissions, trailing commissions, management fees and expenses all may be associated with investments.
While the information presented in this website has been researched and is thought to be reasonable, in general, an investment through Dan Houcher Financial Ltd. is speculative, prices can go up but they can also go down, and thus DAN HOUCHER FINANCIAL LTD, AND/OR ITS AGENTS CANNOT AND DO NOT GUARANTEE ANY RATE OF RETURN OR INVESTED AMOUNT OR INVESTMENT TIMELINE. You should not rely on any opinion or other information set out in the website or any website accessible through this website when making business, financial, personal or other decisions. Dan Houcher Financial Ltd. and its service providers do not endorse the opinions of any third party expressed on the website or any website accessed through the website. Dan Houcher Financial Ltd. is subject to the insurance and securities laws of various jurisdictions. Information disclosed or provided by Dan Houcher Financial Ltd. pursuant to the securities laws of those jurisdictions is not intended to be in any way qualified, amended, modified or supplemented by the information otherwise available in, through, or on this website. Dan Houcher Financial Ltd. does not assume any duty of disclosure beyond that which is required by applicable law.
Segregated funds unit values are not guaranteed and are not covered by the Canada 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.
Information collection will be utilized to be able to recommend insurance coverages and options. Dan Houcher Financial Ltd. who is insurance registered in AB and BC will assist to complete insurance applications and gather the appropriate information to complete an application. Commissions, trailing commissions, may be associated with the purchase of insurance products.
EXCLUSION OF LIABILITY
Users are required to conduct their own investigations, analysis, due diligence, draw their own conclusions, and make their own decisions. Any areas concerning taxes or specific legal or technical situations should be referred to lawyers, accountants, consultants, realtors, or other professionals licensed, qualified or authorized to render such advice. You acknowledge and agree that Dan Houcher Financial Ltd. and/or its officers, agents, shareholders, servants, or employees do not assume and hereby disclaim any liability to any party for any loss or damage caused by the use of the information contained herein (or errors or omissions in the information contained herein) to make any investment decision, whether such errors or omissions result from negligence, accident or any other cause.
IN NO EVENT SHALL DAN HOUCHER FINANCIAL LTD, OR ITS OFFICERS, AGENTS, SHAREHOLDERS, SERVANTS, OR EMPLOYEES BE LIABLE TO ANY USER FOR DAMAGES WHATSOEVER, AND HOWSOEVER CAUSED, INCLUDING WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, MORAL OR CONSEQUENTIAL DAMAGES, LOSS OF PROFITS, LOSS OF OPPORTUNITIES OR INFORMATION, ECONOMIC LOSS, OR FOR ANY LOSS OR EXPENSES ARISING IN CONNECTION WITH THIS WEBSITE OR THE CONTENT, WITH ANY SOFTWARE ALGORITHMS AVAILABLE THEREON NOR WITH ANY HYPERLINKED WEB SITE OR FOR USE THEREOF OR INABILITY TO USE BY INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF DAN HOUCHER FINANCIAL LTD. AND/OR ITS OFFICERS, AGENTS, SHAREHOLDERS, SERVANTS, OR EMPLOYEES ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES. DAN HOUCHER FINANCIAL LTD. AND/OR ITS AGENTS SPECIFICALLY DISCLAIM ANY GUARANTEES, INCLUDING, BUT NOT LIMITED TO, STATED OR IMPLIED POTENTIAL PROFITS OR RATES OF RETURN OR INVESTMENT TIMELINES.
Software algorithms made available and hyperlinks to other internet resources are used at your own risk. The content, accuracy, opinions expressed and other links provided by these software algorithms and resources are not investigated, monitored, or endorsed by Dan Houcher Financial Ltd.
All material on this website is protected by copyright. This Agreement grants to you a limited license to view, access, download, experience and use the website and the content but conveys no ownership or proprietary interest of any kind therein. Except as may be expressly authorized by Dan Houcher Financial Ltd., any reproduction, modification or distribution of the Website materials or Content is strictly prohibited. Except as otherwise noted, the logos, icons, graphics, designs, names, trade names, trademarks or service marks displayed on this Website belong to Dan Houcher Financial Ltd. or other third parties and may not be used without Dan Houcher Financial Ltd.’s written permission.
SUBMISSION OF INFORMATION
Although Dan Houcher Financial Ltd. will make reasonable efforts to maintain any information provided by users or other parties in confidence, you agree that any information provided or sent to Dan Houcher Financial Ltd. through this website will not be considered to be private, confidential or proprietary and will not be accepted as such by Dan Houcher Financial Ltd. By submitting information to Dan Houcher Financial Ltd. through this website, you agree that such information is provided by your full consent and is not private, confidential or proprietary and that subject to any applicable law, Dan Houcher Financial Ltd. will be free to use such information as it sees fit or as may be required by law. You assign any copyrights in or to the contents of any information you send to Dan Houcher Financial Ltd. and you waive any and all moral rights thereto. Dan Houcher Financial Ltd. shall be at liberty to freely use, without payment of any compensation, any improvement, suggestion, invention or innovation you may send to Dan Houcher Financial Ltd.
LINKS TO THIRD PARTY WEBSITES
Dan Houcher Financial Ltd. does not control any third party website and is therefore not responsible for the content of any linked website, the functioning or availability of any such website, or any link contained in a linked website. Dan Houcher Financial Ltd. provides such links only as a convenience and the inclusion of any link does not imply, confirm or signify any endorsement, investigation or verification by Dan Houcher Financial Ltd. of the linked website or information contained therein and Dan Houcher Financial Ltd. makes no warranty.
This Agreement shall be construed and governed by the laws of the Province of Alberta, Canada, and the federal laws of Canada applicable therein, and shall be deemed to be a contract made in Alberta. You agree that any dispute arising under this Agreement, or out of the website, or out of the Agreement shall be litigated only in the Courts of the Province of Alberta and you attorn to the exclusive jurisdiction of the Courts of Alberta.
AMENDING AND UPDATING
Dan Houcher Financial Ltd. may amend these terms and conditions from time to time without notice and at its sole discretion. By using this website, you confirm and agree that you are bound by the most current terms and conditions of this website and agree to periodically review this agreement to determine the most current terms and conditions and, if the same are not acceptable, you agree to immediately cease using this website.
The type of information we collect about you may include the following:
Information such as your name, home address, telephone number and e-mail address
Social Insurance Number, identity card number, or other government identification number, copies of any agreements you enter into with us, information that you provide to us, such as your preferences, identities of your advisors and decision-makers, feedback and comments, credit and financial information.
Dan Houcher Financial Ltd. uses the personal information above for different purposes relating to the management of our business and our relationship with you. These purposes include, but are not limited to the following:
Establishing, maintaining and managing a business relationship with you so that we may provide you with services or products that you have requested. Enabling us to comply with your requests such as preferred method of communication, sharing your personal information with a party representing you, other third parties at your direction/consent, enabling us to review the products and services that we provide to you so that we may understand your requirements for our products and services and improve our products and services, protecting our business from error, fraud, theft and damage to our goods and property, enabling us to comply with applicable law or regulatory requirements (including tax requirements), safeguarding and protecting Dan Houcher Financial Ltd. confidential information.
Other purposes reasonably required for the management of our business relationship with you and the management of Dan Houcher Financial Ltd. business.
Dan Houcher Financial Ltd. share your personal information with its employees, auditors, contractors and consultants and other parties who require such information to assist us with administering our business relationship with you. These include third parties that provide services to us or on our behalf, third parties that collaborate with Dan Houcher Financial Ltd. in the provision of services to you and third parties with whom we contract to perform our services.
Dan Houcher Financial Ltd. may contract with third parties located in one or more countries outside of Canada, including potentially in the United States of America or the European Union, to provide Dan Houcher Financial Ltd. with processing, storage or other administrative or data-related services. Please be advised that in that case your information may be transferred to, processed, used and stored in those countries, and that the governments, courts or law enforcement or regulatory agencies located in those countries may be able to obtain disclosure of your information through the laws of, or pursuant to a lawful order made in, those countries.
We require your consent to collect, use and disclose your personal information in accordance with this Policy. Consent may be expressed or implied. Express consent may be given orally or in writing, including electronic transmission. Implied consent is consent that can be reasonably inferred by your action or inaction. By providing us with the personal information described in this Policy, we assume you have impliedly provided Dan Houcher Financial Ltd. with your consent to collect, use and disclose your personal information in accordance with this Policy.
You may withdraw or limit your consent to Dan Houcher Financial Ltd. collection, use and disclosure of your personal information at any time, subject to your legal and contractual obligations you may have to us as a result of our business relationship. You must provide reasonable notice of the withdrawal of your consent. All communications with respect to the withdrawal or limitation of your consent should be directed to our office in writing.
In some circumstances, Dan Houcher Financial Ltd. are entitled, or required, to disclose your personal information without your consent. These circumstances include, but are not limited to:
Protecting your health or safety
The disclosure is necessary for an investigation or proceeding
The disclosure is required or authorized by law
The disclosure is required to comply with a subpoena, warrant or order of a court or other body authorized to compel production of the information
The disclosure is to a public body and relates to an investigation of an offence
The disclosure is to a lawyer who is representing Dan Houcher FInancial Ltd.
The disclosure is required to respond to an emergency
Where the personal information is publicly available
ACCURACY AND RETENTION OF PERSONAL INFORMATION
Dan Houcher Financial Ltd. endeavours to ensure that any personal information in its possession is as accurate, current and complete as necessary for the purposes for which we use that information. If your personal information changes or you believe information we have about you is not accurate, please notify us as soon as reasonably possible. Any request to verify or correct your personal information must be made in writing to Dan Houcher Financial Ltd. In some circumstances, we may not agree to your request to change your personal information, but will instead append an alternative text to the record in question.
We keep your personal information only as long as it is required for the reasons it was collected. The length of time we retain information varies, depending on the product or service and the nature of the information. This period may extend beyond the end of your business relationship with us but it will only be for as long as it is necessary for us to have sufficient information to respond to any issues that may arise at a later date and to comply with applicable law and regulatory requirements. When we no longer require your personal information, we will either destroy or erase it, or we will make it anonymous such that it cannot be associated with or tracked to you.
SAFEGUARDING PERSONAL INFORMATION
Dan Houcher Financial Ltd. is committed to protecting the security of your personal information. We endeavour to maintain physical, technical and procedural safeguards that are appropriate to the sensitivity of the personal information in question. These safeguards are designed to prevent your personal information from loss and unauthorized access, copying, use, modification or disclosure.
ACCESS TO YOUR PERSONAL INFORMATION
You may ask to see the personal information we have about you. A request to review your personal information must be made in writing to Dan Houcher Financial Ltd. It will be the endeavour to provide information requested within a reasonable time from the date of the written request, or within the time otherwise required by law.
If you make a request to review your personal information, we may request specific information from you to enable us to confirm your identity and right to access such information. We may also require information that would assist us in locating your personal information. We may charge a fee to access your personal information; if so, we will notify you of that fee at the time you make your request or within a short time thereafter.
Dan Houcher Financial Ltd. reserve the right to decline to provide access to personal information in certain circumstances. These include, but are not limited to, circumstances where the information requested:
Would disclose personal information, including opinions, about another individual
Is subject to lawyer-client privilege
Is not readily retrievable and the burden or cost of providing it would be disproportionate to the value of the information
Does not exist or cannot be found
Could result in serious harm to the individual requesting it, serious harm to the life, safety or health of another person, or serious emotional harm or embarrassment to another individual
May harm or interfere with law enforcement activities and other investigative or regulatory functions of a body authorized by statute to perform such functions
May be or is required to be withheld by other legislation
Where information requested will not or cannot be disclosed, Dan Houcher Financial Ltd. will provide the reasons for non-disclosure.
SCOPE AND APPLICATION OF POLICY
REVISIONS TO THIS POLICY
INTERPRETATION OF THIS POLICY
The Privacy Officer has the responsibility and authority to interpret and administer this Policy. This Policy does not create or confer any additional rights or obligations to those imposed under provincial or federal privacy legislation. Should there be, in a specific case, any inconsistency between this Policy and applicable provincial or federal privacy legislation, then this Policy will be interpreted to give effect to and comply with such privacy laws.
For further information contact: