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The information in this communication is subject to change without notice and JovFunds or any of its affiliates will not be held liable for any inaccuracies in the information provided. It is neither intended to provide a complete diversified investment program nor specific individual advice including, but not limited to, investment, financial, legal, accounting, or tax advice. Please contact your own personal advisor on your particular circumstances. This communication does not constitute an offer or solicitation to anyone in the United States or any other jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such an offer or solicitation. Prospective investors who are not resident in Canada should consult their advisor to determine if these Notes may be lawfully sold in their jurisdiction. As with any investment, there are risks to investing in Notes. There is no assurance that any Note will achieve its investment objective, and its net asset value, yield, and investment return will fluctuate from time to time with market conditions. Investors may experience a gain or loss when they sell their units or shares in any Notes. Notes are not guaranteed and are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. Commissions, trailing commissions, management fees and expenses all may be associated with Note investments. The performance data provided assumes reinvestment of distributions only, and does not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns. There can be no assurance that the investment products will be able to maintain its net asset value per security at a constant amount and past performance may not be repeated.
E-mail over the internet is not a secure medium and privacy cannot be assured. E-mail communication is not confidential, subject to possible interception or loss, and is also subject to possible alteration. Neither JovFunds nor its affiliates are responsible for and will not be liable to you or anyone else for any harm or damages in connection with an e-mail containing personal or confidential information sent by you to JovFunds or an e-mail by JovFunds to you at your request.
Links to other websites and references to third parties' goods or services are not endorsements or approval of such sites, goods or services, and are meant for convenience only. Linking to another website is at your sole risk and JovFunds or any of its affiliates will not be held responsible or liable for any damages in connection with linking to such third-party websites.
The contents of JovFund's website (www.jovfunds.com) are protected by applicable copyright laws. Unauthorized downloading, re-transmission, storage in any medium, copying, redistribution, reproduction, or republication for any purpose is strictly prohibited.
JovFunds or any of its affiliates are not responsible in any way for any damages (direct, indirect, special, incidental, economic, or consequential, exemplary or punitive) in respect of or in connection with the use or inability to use this website, the information, or any action or decision made by you or anyone else in reliance on the website or the information, or any unauthorized use or reproduction of the website or the information.
This website and its terms are governed by the laws applicable in the Province of Ontario, Canada. All disputes arising from these terms must be resolved exclusively by the courts of the Province of Ontario.
JovFunds shall not be responsible or liable for any damages incurred to computer equipment or other types of equipment used nor for viruses that may infect the former due to the access and use of this website or the downloading of any document or materials of this website.
JovFunds may change or update the information contained in this website without notice including changes or modifications relative to the products described herein. This website may contain certain grammatical errors as well as technical discrepancies.
PRIVACY AND YOU
As of January 1, 2004, Canadian commercial organizations that collect, use or disclose personal information
must comply with the federal Personal Information Protection and Electronic Documents Act ("PIPEDA").
The purpose of the legislation is to let individuals know how organizations handle the personal information of their clients.
Quebec, British Columbia and Alberta have similar privacy legislation.
JovFunds Management Inc. is committed to protecting its clients' or investors' personal information and shall
obtain your consent before collecting, using and disclosing your personal information. All personal information is
held in strict confidence and we control access to, and the use of, such information according to the practices and
procedures set out in this statement.
We will only ask you for information that we need to provide fund management services, to establish your identity,
to keep records, to prevent error and fraud, to comply with the law, to assess your eligibility for our products
and services, or to respond to inquiries from your advisor, if you have one, and to provide you with the best
possible service. Your personal information may also be used for marketing purposes, including sending you product
information.
We will not sell your personal information.
What is Personal Information?
Personal information is any information that identifies an individual. This includes an
individual's address, age, financial records, social insurance number, credit history, personal email address,
employment information, financial information, home telephone number, occupation, date of birth, country of
citizenship, bank references and types of accounts at brokerage firms.
We Will Obtain Your Permission
We will only collect, use or disclose your personal information with your consent. You can give your consent
in writing, when you open an account, or you can give your consent verbally, electronically or through your authorized representative.
We may also obtain it through dealers, credit bureaus or other financial institutions. If we don't obtain information directly from you,
we will ensure that you have given us your consent before we collect and use your personal information.
You may withdraw your permission to collect, use and disclose your personal information at any time,
subject to legal and contractual restrictions and reasonable notice. However, your ability to access our
products and services may be limited and declined should you refuse or withdraw your consent to the collection,
use and disclosure of your personal information. For example, we must decline to accept or administer an account
for a person who does not consent to our disclosing personal information to back-office third party providers.
Collection of Personal Information
We collect personal information about you from: (i) subscription forms and other information provided by you in
writing, by telephone, in person, electronically or by other means; (ii) your activity on the web site and
transactional activity in your accounts, including account balances, investments, withdrawals and fees/commissions;
(iii) through your advisor, if you have one, and (iii) other interactions with us, such as discussions with our staff.
As a fund manger, we may use personal information to:
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identify the investor; |
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ensure our records are accurate; |
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establish and administer an investor's account(s); |
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execute transactions; |
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maintain, store, record and determine investor account holdings and transaction records; |
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provide investors and their authorized advisors with statements/information; |
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provide investors with financial statements, tax receipts, proxy mailings, transaction confirmations and other information that may be requested or needed to service their accounts; |
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provide investors with customer service and support; |
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for debt recovery; and |
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to comply with legal and regulatory requirements. |
Whom do we Disclose Personal Information to?
Your personal information will only be used for the purpose(s) for which it was collected. We may, as required by
law, share personal information with third party service providers, such as those who print and prepare investment
statements. We have legal agreements with third party providers to ensure that they protect your personal information.
We may also have to by law provide information for a search warrant, court order or other legally valid request.
We may also disclose personal information to help us collect a debt owed by the investor.
Access and Accuracy of Consent to Information
You have the right to verify the accuracy and completeness of your personal information. If you believe that any information
we have collected about you is inaccurate or incomplete, you have the right to ask us to correct it.
Sometimes, we may not be able to provide you with information if it contains references to third parties,
is subject to legal privilege, is our proprietary information or relates to an investigation.
Any request to access, withdraw consent to or update information may be made by forwarding a written request to
the Privacy Officer. Please include your full name, address, telephone number and account number(s) on any
correspondence to us. We will respond to your request as quickly as possible but, in any event, no later than
30 days from receiving your request.
Protecting Client Information
We will maintain the security and confidentiality of personal information. We have policies, procedures and
safeguards to protect your personal information against unauthorized access, theft or misuse.
Security measures include physical, electronic and procedural safeguards such as passwords and
restricted access to our office.
Our employees and service providers have access to personal information to enable them to perform their duties.
As a condition of employment, each employee must sign a code of conduct which includes provisions ensuring
the confidentiality of personal information.
How Long do we Keep Your Information?
We only keep your information as long as it is necessary to do so. The length of time we keep your
information will depend upon the product or service and the nature of the information and will be only
as long as it is legally necessary for us to retain sufficient information to respond to any inquiries
that may arise later.
Resolving Your Concerns
Inquiries and complaints will be reviewed by Steve Hawkins, Privacy Officer. For more information,
please contact Steve Hawkins at shawkins@horizonsetfs.com
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Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund, alternative investment, and structured product investments. Please read the prospectus, offering memorandum, or information statement (as applicable) before investing. Mutual funds, alternative investments, exchange traded funds, and structured products are not guaranteed (except for such products as Principal Protected Notes, which carry a Principal guarantee), their values change frequently and past performance may not be repeated.
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