Legal Notice

By accessing and using this Web site, I agree to be bound by the legal notice and to comply with the following terms for use. If I do not, I understand that I must not use this site.

SFL Wealth Management - Partner of Desjardins and Desjardins Financial Security Independent Network are trade names of Desjardins Financial Security Life Assurance Company.

SFL Investments is a trade name of Desjardins Financial Security Investments Inc., a financial services firm

The Desjardins brand is a trade mark of the Fédération des caisses Desjardins du Québec used under licence.

Desjardins Financial Security Independent Network, SFL Wealth Management - Partner of Desjardins, SFL Investments and Desjardins Financial Security Investments Inc. may at any time change or update the information displayed on this Web site, which is provided for information purposes only.

Desjardins Financial Security Independent Network, SFL Wealth Management - Partner of Desjardins, SFL Investments and Desjardins Financial Security Investments Inc. cannot be held responsible for any loss or damages arising from use of this site and the information contained therein. They cannot guarantee the availability of the site, and cannot be held responsible for problems that may arise during its use.

Links to other sites appearing on the Web site, including downloadable software sites, are provided for convenience only and Desjardins Financial Security Independent Network, SFL Wealth Management - Partner of Desjardins, SFL Investments and Desjardins Financial Security Investments Inc. cannot be held liable for them.

This Web site is under Quebec jurisdiction, and the information it contains on Desjardins Financial Security Independent Network, SFL Wealth Management - Partner of Desjardins, SFL Investments and Desjardins Financial Security Investments Inc. products and services can only be used in Canada.

The search tool provided on this Web site is intended strictly for personal use only.

We cannot guarantee confidentiality of information exchanged by email on the Internet.

For security purposes and the verification and compilation of statistics, we collect data on access to the site, and may consult transmissions to and from the site.

At Desjardins Financial Security Independent Network, SFL Wealth Management - Partner of Desjardins, SFL Investments and Desjardins Financial Security Investments Inc., we are committed to protecting the confidentiality of the personal information you provide to us. Please consult our privacy policy for information on our practices in this regard.

The content of the legal notice is updated from time to time without notice.

Copyright and Trademarks

All information on this Website is protected by copyright. Users may only copy its contents for their own personal use. No one may redistribute, reproduce, republish, store in any medium, retransmit, or modify the information on this Website for commercial purposes without the written authorization of Desjardins Financial Security Independent Network and SFL Wealth Management - Partner of Desjardins, or make public use thereof without crediting the source.

All trademarks and logos (including certain names, words, titles, drawings, illustrations and icons) appearing on the site are trademarks or registered trademarks of Desjardins Financial Security or third parties. Any use of these trademarks is strictly forbidden without the owner's written authorization. Any unauthorized downloading, retransmission, or other copying or modification of trademarks and/or site content may be a violation of federal or other laws applying to trademarks and/or copyrights and could subject the copier to legal action.

The use of the logos and registered names as hyperlinks to other Websites without prior written authorization is prohibited.

Unclaimed property

As a subsidiary company of Desjardins Insurance, Desjardins Financial Security Investments inc. and SFL Investments has policies and procedures in place to locate and notify owners of unclaimed property in its possession.

What is unclaimed property? Amounts due, cash, securities or other property held in client accounts become unclaimed property under certain circumstances. After reasonable efforts have been made to locate and notify the owners of such property, the property is deemed to be unclaimed.

If you believe Desjardins Financial Security Investments inc or SFL Investments holds any unclaimed property in your name, or for any question relating to unclaimed property, we invite you to contact us at 1-877-647-5435.

Information Accuracy

Desjardins Financial Security Independent Network, SFL Wealth Management - Partner of Desjardins, SFL Investments and Desjardins Financial Security Investments Inc. believe that the information contained in this site was accurate when it was place on the site, but cannot guarantee or ensure the currency, accuracy, completeness or authenticity of its content or each of its functions. Without limiting the foregoing, Desjardins Financial Security Independent Network, SFL Wealth Management - Partner of Desjardins, SFL Investments and Desjardins Financial Security Investments Inc. are not responsible for the accuracy of the information contained in this site and provided by third parties. This site, along with the information contained herein is subject to change and update at any time without prior notice. All the products and services found on this site are subject to the terms and conditions of the applicable agreements governing them. All management titles are applicable to Desjardins Financial Security Independent Network only, unless stated otherwise. 

No Liability

Desjardins Financial Security Independent Network, SFL Wealth Management - Partner of Desjardins, SFL Investments and Desjardins Financial Security Investments Inc. shall not be liable or responsible to any person for any harm, loss, or damage (whether arising in contract, tort, negligence, or otherwise) that may arise directly or indirectly from the use, inability to use, or malfunctioning of this site or the information contained herein, including any direct, indirect, special, third party, or consequential damages.

No Warranties

We do not warrant that the site will be available and that it will meet your requirements, nor does it warrant that access will not be interrupted, that there will be no delays, failures, errors, omissions, or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted, or that no damage will occur to your computer system.

Hypertext Links to Other Websites and Downloadable Software

Links to other Websites or references to products, services, or publications other than Desjardins Financial Security Independent Network, SFL Wealth Management - Partner of Desjardins, SFL Investments and Desjardins Financial Security Investments Inc. are provided only for your convenience and do not imply the endorsement or approval of such Websites, products, services, or publications by Desjardins Financial Security Independent Network, SFL Wealth Management - Partner of Desjardins, SFL Investments and Desjardins Financial Security Investments Inc.. Such sites and references have been developed independently of Desjardins Financial Security Independent Network, SFL Wealth Management - Partner of Desjardins, SFL Investments and Desjardins Financial Security Investments Inc., and we cannot vouch for the currency, accuracy, completeness, or authenticity of any site content or functionality or of any such references. Linking to any other site shall be at your sole risk, and we will not be responsible or liable for any damages in connection with any such linking. Links to downloadable software sites are provided for your convenience only, and we are not responsible or liable for any difficulties associated with downloading the software.

Jurisdiction

The site will be governed by and construed in accordance with the laws of the province of Quebec. All disputes, controversies, or claims arising out of or in connection with the site shall be submitted to and be subject to the jurisdiction of the courts of the province of Quebec. Thus, in the event of any suit, action, or proceeding arising out of or in connection with this site, the courts of the province of Quebec will have exclusive jurisdiction.
Information from this site regarding our products and services is intended for use in Canada only, where such products and services may lawfully be offered for use and/or sale, and neither use nor sale is intended where prohibited by law.

Search Tool

The search tool is available for non-commercial use only. Use of the tools to sell a product or service or to increase traffic to a Website is prohibited.

We do not guarantee the result of its searches.

Likewise, calculations or projected results are provided for general illustrative purposes only and are not guaranteed to be accurate or complete, being based on hypotheses. The default values are provided for illustrative purposes only and solely as a reference. You must use them only as guides or estimates.

Answers transmitted to Website visitors who send in questions are for reference purposes only. They have no legal value and are not binding. Consult your representative, accountant, or lawyer, who will review the facts as they apply to you and formulate a personalized response.

Internet Email

Any unprotected email communication over the Internet is subject to possible interception or loss, and is also subject to possible alteration. We are not responsible for and will not be liable to you or anyone else for damages resulting from interception, loss, or alteration in connection with an email sent by you to Desjardins Financial Security Independent Network, SFL Wealth Management - Partner of Desjardins, SFL Investments and Desjardins Financial Security Investments Inc. or an email sent by Desjardins Financial Security Independent Network, SFL Wealth Management - Partner of Desjardins, SFL Investments and Desjardins Financial Security Investments Inc. to you.

Control over use

A log is kept to record events that relate to security or that warrant verification, or for statistical purposes. This log may contain all accesses to the site or site sections, all communications sent or received by a user (in the case of e-mail) integrated in the site), as well as any other activity related to the site.

We have access to the communications sent or received through the site, and may access said communications if it has reason to believe that a law has been broken or if the site's terms of use have been violated.

Cookies

Cookies are used on our site. They identify your browser software when you move from site to site or page to page during a Web session. This information can then be used to identify you and facilitate your access to a site and your ability to navigate within our site. Cookies can only be read by the website that sends them to your computer.

When you access our site directly or through a publicity redirecting to our site, a cookie file is automatically created in your computer. Our server and possibly third party ad servers can access this file in order to improve your experience on our site and in some instances promote our products. While they enable the site to identify you as a specific user, they don’t recognize you by your name or other personal information. No personal information is collected through cookies

We may collect information for statistical purposes, for instance, to determine a page's popularity, the average number of pages accessed per visitor, and the average time each visitor spends on the site. Cookies may also allow us to display Desjardins Financial Security Independent Network,SFL Wealth Management - Partner of Desjardins, SFL Investments and Desjardins Financial Security Investments Inc. publicity if you access an external site which displays those publicities.

We use two types of cookies:

  1. Session cookies: these are not stored on your hard drive and are deleted when you log off our site.
  2. Persistent cookies: these are stored on your hard drive and recalled at your next visit. They are stored as text files in order to preclude any viruses or programs from accessing your data.

To access all parts of our website, your browser must accept cookies. If your browser is set up to refuse cookies, you can change the Internet settings in your web browser to allow cookies. If you do not allow cookies, some pages may not function properly and some features may not be available.

Information on conflicts of interest

In 2021, the Canadian Securities Administrators (CSA) implemented client-focused reforms that require dealers and advisors to better align their interests with those of their clients. These reforms include a major change concerning the management of conflicts of interest and ensure clients understand their relationship with their dealer and advisors.

What is a conflict of interest?

A conflict of interest exists when two or more parties are involved in a relationship and their interests, aims or goals are not aligned. A conflict of interest arises when the interests of different persons, for example those of a client and those of the Dealer or one of its advisors, are incompatible or divergent.

A material conflict of interest is one where the conflict may be reasonably expected to influence either of the following, or both:

  • The decisions of the client in the relationship; or
  • The recommendations or decisions of the advisor in the relationship.

Dealers and advisors must disclose to clients any material conflicts of interest that may exist in the relationship between the dealer and/or advisor and their clients. Furthermore, material conflicts of interest must be addressed in the client's best interest.

The following summary contains information regarding certain material conflicts of interest, the nature and extent of the conflicts, their potential impacts and explains how they are mitigated.

Information on conflicts of interest

Update of Legal notice and terms of use

This notice will be updated and modified from time to time without any notice. Accordingly, whenever you access the Website, ensure that you check this notice.

Note: This Legal Notice also covers Desjardins Financial Security Life Assurance Company, its affiliated companies; their officers, directors, agents, representatives and employees; and any other persons associated with the creation of this site.