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Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus of the mutual funds in which investment may be made under the asset allocation service before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. The content of this page (including facts, views, opinions, recommendations, descriptions of or references to, products or securities) is not to be used or construed as investment advice, as an offer to sell or the solicitation of an offer to buy, or an endorsement, recommendation or sponsorship of any entity or security cited. Although we endeavour to ensure its accuracy and completeness, we assume no responsibility for any reliance upon it.
INVESTMENT PLANNING COUNSEL
References in this web site to "Investment Planning Counsel" (or "IPCC") are to the corporate entity Investment Planning Counsel and include its subsidiaries and affiliates, where applicable. Investment Planning Counsel is a fully integrated Wealth Management Company. Mutual funds available through IPC Investment Corporation and IPC Securities Corporation. Securities available through IPC Securities Corporation, a member of the Canadian Investor Protection Fund (CIPF) and the Investment Industry Regulatory Organization of Canada (IIROC).
Mortgage Broker Services provided by Invis Inc. (Lic# ON 10801 / SK 315928) or Mortgage Intelligence Inc. (Lic# ON 10428 / SK 315857).
Counsel Portfolio Services is an affiliated entity to IPC Investment Corporation and IPC Securities Corporation-Member of the Canadian Investor Protection Fund.
Information accurate as of December 2015. For further details on the ownership structure within IGM Financial Inc. and the IPC Group of Companies, please contact a representative from IPC's Compliance Department at 1-877-212-9799.
NOT OFFERING ANY ADVICE
The information on this site is general information only and is not intended to constitute specific legal, accounting, financial or tax advice for any individual. Many factors may affect the applicability of any statement or comment that appear on our web site to an individual's particular circumstances. You should consult with IPCC or your independent professional advisors before acting on any information provided herein.
IN NO EVENT WILL IPCC AND ITS AFFILIATES BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS OR DAMAGES WHATSOEVER (INCLUDING DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES) RESULTING FROM THE USE OR MISUSE OF IPCC'S WEB SITE, OR RELIANCE ON THE INFORMATION, DOCUMENTS, SOFTWARE OR CONTENT THEREOF, EVEN IF IPCC OR ITS AFFILIATES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
All products and services provided by IPCC and its affiliates are subject to the terms of the applicable agreements governing their use.
AVAILABLE ONLY WHERE PERMITTED BY LAW
IPCC and IPCC affiliate products and services are available only in jurisdictions where they may be legally offered. This communication does not constitute an offer or solicitation to buy or sell services or products to anyone in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make an offer or solicitation.
ACCURACY AND CHANGES
Facts and information provided by IPCC at this web site are believed to be accurate when placed on the web site. IPCC reserves the right to make changes at any time to the information at this web site without prior notice. Please consult any branch of IPCC in your jurisdiction for complete and up-to-date information on products and services.
IPCC AND ITS AFFILIATES DO NOT WARRANT THE ACCURACY, COMPLETENESS, TIMELINESS, QUALITY, ADEQUACY OR CONTENT OF ANY INFORMATION ON IPCC'S WEB SITE. SUCH INFORMATION IS PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. OUR WEB SITE COULD INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS.
Some jurisdictions do not allow the exclusion of implied warranties, so the above may not apply to you.
Confidentiality and security of information over the Internet is not possible at this time. IPCC cannot ensure the privacy and authenticity of any information or instructions you send to us or that we send to you over the Internet. IPCC will not be responsible for any damages you may incur if you communicate confidential information to us over the Internet or if we communicate such information to you at your request.
SOFTWARE BACK-UP AND WEB SITE USAGE
While every effort is made to ensure that all software provided at this web site, or as a link from this web site, is suitable for use on a wide variety of computer systems, you should take reasonable and appropriate precautions to scan for computer viruses and ensure compatibility of the software with your specific computer system.
IN NO EVENT WILL IPCC BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL OR PUNITIVE DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, LOSS OF DATA OR OTHERWISE, EVEN IF IPCC, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OF EXPENSES.
LINKS TO OTHER WEB SITES
Links to other Internet resources or web sites are meant for convenience only and are at your own risk; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by IPCC and its affiliates.
IPCC makes no representations whatsoever about any other web site which you may access through this web site. When you access a non-IPCC web site, please note that it is independent from IPCC, and that IPCC has no control over the content on that web site. Linking to any other web sites is at your own risk and IPCC and its affiliates will not be responsible or liable for any damages in connection with linking. It is up to you to take precautions to ensure that whatever you select for your use is free of computer viruses and other items of a destructive nature.
"Investment Planning Counsel" and "The Investment Planning Counsel Logo" are trademarks of the Investment Planning Counsel Inc. Investment Planning Counsel Inc. is also the owner of all product and service marks for Investment Planning Counsel products and services. All other product and service marks mentioned on this web site are the trademarks of their respective owners. All Investment Planning Counsel trademarks used in this web site are authorized for use under license. The display of trademarks and trade names on pages of this web site does not imply that a license of any kind has been granted to anyone else.
The information is for your personal non-commercial use only and may not be reproduced or republished in any part without the prior written consent of IPCC, or where applicable, its affiliates. Any unauthorized downloading, re-transmission, or other copying or modification of trademarks and/or the contents of this web site may be a violation of any federal or other law that may apply to trademarks and/or copyrights and could subject the copier to legal action. The information is protected under the copyright laws of Canada and other countries. Unless otherwise specified, no one has permission to copy, redistribute, reproduce, republish, store in any medium, re-transmit, modify or make public or commercial use of, in any form, the information. IPCC and its affiliates disclaim any and all liability that may result from any authorized reproduction or use of the information from this website.
Investment Planning Counsel is committed to providing all Canadians with access to our facilities, products, services and websites. We have a series of policies and procedures in place. These policies are intended to address, at minimum, the requirements of the Accessibility for Ontarians with Disabilities Act 2005 and similar or related standards and regulations. This website provides accessibility features for a number of mobile/desktop browsers and operating systems. These include:
You can customize your use of this site by:
Using the accessibility features of your computer, or browser to increase text size or page zoom
Installing assistive technologies to adjust page colour, enhance text contrast, or having page contents read aloud
*Clicking the “Skip to Main Content” button (where available) that is part of the content management system
While creating this website, designers and developers have worked to the standards of WCAG 2.0 and the AODA (Accessibility for Ontarians with Disability Act).
If the above information is not sufficient, please contact us firstname.lastname@example.org
If you have any general inquiry questions about our policies, please email@example.com
Alternatively, you can also use this email address if you’d like to provide constructive feedback regarding the accessibility or usability of this site. Although every attempt has been made to ensure maximum accessibility for all users, there may be some limitations, and we encourage users to report this to our attention.
Review our full Accessibility Policy - link
Review our full Accessibility Plan - link
Statement updated as of: December 1, 2015
Our commitment to you
We value you as a client and we are committed to protecting the privacy, confidentiality, accuracy, and security of your personal information that we collect, use, retain, and disclose in the course of providing you with superior products and services. This Personal Information Policy spells out the responsibility of the Investment Planning Counsel Group of Companies* (“IPC”, “we”, “our”, “us”), and your rights as our applicant, client, former client or claimant (“you” or “your”), regarding the collection, use and disclosure of your personal information.
What is “personal information”?
“Personal information” is information about an identifiable individual but does not include the name, title or business address or telephone number of an employee of an organization. How are we accountable?
IPC is responsible for your personal information in our possession or custody, including personal information that has been transferred to, or received from, a third party in the course of commercial activities for processing or other purposes for which you have consented.
Collecting, using and disclosing your personal information
Why do we do it?
We collect, use and disclose personal information in order to provide you with the products and services that will help you to meet all of your financial goals. Knowing you helps us to understand your wealth management needs, communicate effectively with you, and provide you with suitable services and products.
Specifically, we collect, use and disclose your personal information to:
verify your identity,
determine your eligibility for IPC products and services, and for products that may be of interest to you from business partners with whom we have formed an association, and offering to you these products and services;
analyze the suitability of our products or services for you;
provide you with ongoing services, establish and maintain communications, and to respond to your inquiries;
determine prices, fees and premiums;
investigate and settle claims;
detect and prevent fraud;
compile statistics, conduct market research and report to regulatory and industry agencies;
investigate specific transactions or patterns of transactions to detect unauthorized or illegal activities;
comply with our legal and regulatory requirements
Personal information may be collected, used or disclosed for any of these “Identified Purposes” set out above. The access to your personal information will be limited to persons who require it in order to carry out activities relating to Identified Purposes. If your personal information is not needed for one of the Identified Purposes, we will not use or disclose it without obtaining additional consent from you.
How do we do it?
The collection, use and disclosure of your personal information depends on how you do business with us. We may gather information such as your name, address, telephone number, email address, occupation, financial and banking information, social insurance number**, and health information from the following sources:
from you, on applications for our insurance, banking and investment products, or on other forms filled out through telephone, email or face-to-face interviews;
from licensed agents, insurance brokers, intermediaries and financial services representatives with whom you have a relationship, as well as adjusters and inspectors;
from your interactions with us, such as your transaction history and correspondence;
from government and other entities, such as your claims history; or
from consumer reporting agencies, such as your credit history.
If you provide personal information to us or through any of the above sources, you do so with the understanding that your personal information may be disclosed for the Identified Purposes amongst us, the above sources, or third parties and that we may verify such information, or obtain additional personal information about you by checking with government agencies, credit bureaus, and other fact collecting and verifying entities to assist us for the Identified Purposes.
Your knowledge and consent are required before we may collect, use or disclose your personal information, except in special circumstances, such as during a fraud investigation, an investigation by the police, or in situations otherwise permitted by the law. If any of the personal information that we collect is sensitive, such as health information, we will obtain additional written or oral consent from you before collecting, using or disclosing the information.
How do you provide us with your consent?
We accept any of the following as your consent for existing use and future collection, use and disclosure of your personal information for the Identified Purposes:
your receipt of this Personal Information Policy, unless you advise us, either orally or in writing, that you do not agree with the terms stated in this policy, and that you wish to opt out of all or portions of it;
your unrestricted provision of information to us, either directly or through licensed agents, insurance brokers, adjusters or financial services representatives;
your express written or oral consent as obtained through an application process; or
your consent as provided by your authorized representative, such as a legal guardian or power of attorney.
In some circumstances, your consent may be implied. For instance:
If you obtain products and/or services for your family or anyone else, you represent that you have obtained consent from them to the collection, use and disclosure of their personal information for the Identified Purposes, even though they might not be present during the application process.
If you have existing products and services with us and you request amendments to them, it is assumed that the consent which you gave to us when buying the original products and services remains in effect.
How can you withdraw your consent?
You may withdraw your consent at any time upon reasonable notice, subject to legal or contractual restrictions. Please note, however, that withdrawing your consent may affect our ability to continue to provide you with the products and services that you have or would like to receive.
To withdraw your consent, you should contact our Privacy Officer at the address or telephone number listed below. Unless we hear otherwise from you, you are giving to us your consent for the collection, use and disclosure of personal information as provided in this Policy for the Identified Purposes.
Keeping and protecting your personal information
How long do we keep your personal information?
Your personal information is retained only so long as we need it to effectively provide products and services to you, and for a reasonable length of time thereafter in case we need to meet any potential obligations or legal or government requirements. We shall use care when storing or destroying your personal information in order to prevent unauthorized access. How do we protect your personal information?
Whether in electronic or paper-based format, we maintain strict security systems to safeguard your personal information from unauthorized access, disclosure or misuse. As well, when we no longer need your personal information, we take as much care to destroy it as we do when storing it.
In the event that we transfer your personal information to a third party for processing (for example, when printing cheques, managing claims and client statements, or for data processing), we require any person or organization providing products or services on our behalf to protect our customers’ confidentiality in a manner consistent with our own internal measures, or as required by law.
Your right to access your personal information
You have a right to access your personal information that we have in our possession or control. You also have a right to know which third parties have received your information from IPC. In order to access your personal information, please make your request in writing to IPC’s Privacy Officer, stating as specifically as possible which personal information you are requesting. We try to respond to such requests as soon as possible, and will advise you if for some reason we cannot respond right away. IPC may charge you a reasonable fee for providing access to your personal information, but only after first advising you of the approximate cost. In providing you with a list of the organizations to whom we have disclosed any of your information, we will try to be as precise as possible. When it is not possible to provide an exact list of such organizations to which we have actually disclosed your personal information, we shall provide a list of organizations to which we may have disclosed the information. IPC has the right to refuse your request for access to personal information if:
the information is protected by solicitor-client privilege;
granting access would reveal confidential commercial information;
doing so would reasonably be expected to threaten the life or security of another individual;
the information was collected for purposes related to the detection and prevention of fraud;
the information was generated in the course of a formal dispute resolution process; or
the information would likely reveal personal information about another individual.
Keeping your information accurate
IPC strives to ensure that the personal information we have on file for you is as accurate and up-to-date as necessary for the Identified Purposes for which it is to be used. If any information needs to be updated or amended to reflect a change in your situation, we make every effort to update our records. IPC shall amend personal information that is materially inaccurate or incomplete and, where appropriate, shall endeavour to advise other parties having access to the information in question.
How to contact us
This Policy may be updated from time to time to reflect any material changes in our operations or governing legislation. Updated versions of the Policy are posted on Counsel’s website at www.counselservices.com, or you can direct any queries about the Policy to IPC’s Privacy Officer at the telephone, e-mail address, or mailing address listed below. In the event of IPC’s acquisition of or merger with another organization, your information will continue to be protected in a manner consistent with this Policy. If you have a complaint related to this Policy, please contact our Privacy Officer. If your complaint is justified, we will take the steps necessary to resolve the issue, including amending our policy and practices, if necessary. If we are not able to resolve your concern, or if you have any other concerns about IPC’s Policy and privacy procedures, you may contact the Office of the Privacy Commissioner of Canada or, if applicable, the provincial privacy commissioner. IPC’s Privacy Officer will provide you with this contact information upon request. For more information, to file a complaint, to make enquiries, or to opt out of all or parts of this Policy, please contact our Privacy Officer:
Address: Privacy Officer 5015 Spectrum Way, Suite 200 Mississauga, ON L4W 0E4 Local: 905-212-9799 Toll Free: 1-877-212-9799 Email: firstname.lastname@example.org Website: www.counselservices.com * The Investment Planning Counsel Group of Companies includes Investment Planning Counsel Inc., Investment Planning Counsel of Canada Limited, IPC Investment Corporation, IPC Securities Corporation, IPC Estate Services Inc., IPC Save Inc., IPC Portfolio Services Inc., and Counsel Portfolio Services Inc. ** IPC is obliged by regulation to use your social insurance number for tax reporting purposes. From time to time, we may also use it as a unique identifier to assist us in the servicing and administration of your IPC accounts.