Terms of use

     

User agreement

VirtualWealthTM is a trade name of Credential Qtrade Securities Inc. (“Credential Qtrade Securities”), member of the Investment Industry Regulatory Organization of Canada and the Canadian Investor Protection Fund. This Terms of use agreement (the "Agreement") applies to your use of the VirtualWealth website. By using this website, you agree to the terms herein. If you do not agree to the terms herein, do not install, access or otherwise use this website. This Agreement is in addition to the customer agreements that govern any accounts which you may have with us.

 

Trademarks and copyrights

Certain names, words, titles, phrases, logos, icons, graphics or designs found in this website (or other websites accessed from www.virtualwealth.ca) may constitute trade names, trademarks or service marks, either registered or unregistered ("Trademarks") of Credential Qtrade Securities or its licensors and, as applicable, are used under license by Credential Qtrade Securities. Images, logos and pictures bearing the name or words “VirtualWealth” are Trademarks of Credential Qtrade Securities or its licensors and are protected by trademark and copyright laws in Canada and other countries. The display of Trademarks on this website does not imply that any license has been granted to any third party. All information in this website is protected under the copyright laws of Canada and other countries. Users of this website may copy any information for their own personal use but may not republish or reproduce any such information in any manner, including electronic reproduction by "uploading" or "downloading", without the prior written consent of Credential Qtrade Securities. No one has permission to copy, redistribute, reproduce or republish, in any form, any information found in this website. Any product, process or technology described in the website may be the subject of other intellectual property rights reserved by Credential Qtrade Securities or its licensors, and are not licensed hereunder. Any unauthorized downloading, retransmission, or other copying or modification of Trademarks or other contents of this website may be a violation of statutory or common law rights which could subject the violator to legal action.

 

Passwords

As an account holder, you agree that you are solely responsible for the confidentiality and security of your login names, account numbers, and passwords. You agree not to disclose such information to any person and to keep them secure. You acknowledge that your passwords are unique to you and that we do not have access to them.

 

Security

In order to protect against the loss, theft, misuse or compromise of your confidential VirtualWealth data, you acknowledge and agree that you have reviewed and are complying with your "Customer responsibilities" as set out in the Security policy.

 

No solicitation and jurisdiction

Products and services of VirtualWealth are only offered in jurisdictions where they may be lawfully offered for sale. Any product or service mentioned on this website is available only in accordance with local law and only where it may be lawfully offered for sale. All products and services are subject to the terms of their applicable agreements. The information on this website does not constitute an offer or solicitation by anyone in any jurisdiction in which an offer or solicitation cannot legally be made, or to any person to whom it is unlawful to make a solicitation. To find out products and services available in your jurisdiction, please contact our office at 1.844.622.4500 or support@virtualwealth.ca.

 

Use of website

The information on this website is subject to change without notice. VirtualWealth is not responsible in any manner for direct, indirect, special, incidental or consequential damages, losses or expenses, however caused, including any loss of use, lost or incorrect data, lost profits, business interruption, personal injury, or any other pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action, arising out of your use of this website and/or any web browser and/or in reliance on information available on this website, including any damages you may suffer if you transmit confidential or sensitive information to us or if we communicate such information to you at your request over the Internet.

 

No endorsement of other sites

Links to other websites from this website are for convenience only. No endorsement of any independent third-party products, services or information is expressed or implied by any information, material or content of a third party contained in, referred to, included on, or linked from or to this website. Any information, data, opinions, or recommendations provided by independent third parties through links to other websites or otherwise made available through this website are solely those of the independent third party and not of VirtualWealth.

 

No liability for information or data and no advice

No advice: Information on this website is for informational purposes only and is not intended to provide investment, financial, legal, accounting or tax advice and may not be relied upon in that regard.

Information and data disclaimer: Information provided by VirtualWealth and other sources on this website is not subject to any guarantee as to accuracy, completeness or currency. Neither VirtualWealth, any of its affiliates nor any third party owner, licensor or supplier of information used or made available through this website, including market data, quotation information and databases, news, articles, text, graphs, audio clips, video clips, broadcasts, and seminars ("Data") makes or is liable for any representation, warranty or condition, whether express or implied, concerning the Data or the use thereof including, without limitation, that (i) the Data will meet your needs, or that the Data will be available for use at any particular time or for any particular purpose or will be error free, or (ii) the Data is up-to-date, accurate, in sequence, reliable, complete or suitable for any purpose. Without limiting the foregoing, "real-time" quotes viewed on this website, particularly in times of high volumes of trading and market volatility, may not be reflective of the current trading price of a security. Further, all express or implied, direct or indirect, representations, warranties and conditions in respect of Data arising or implied by statute, common law, custom, usage of trade, course of performance, course of dealing or otherwise, including but not limited to any warranties or conditions of merchantable quality and fitness for a particular purpose are expressly excluded. All the Data is protected by copyright and each supplier of the Data reserves all proprietary and intellectual property rights therein. You shall not reproduce, retransmit, disseminate, sell, rent, distribute, publish, broadcast, circulate or commercially exploit the Data provided through this website in any manner or furnish it to any other person without the prior written consent of VirtualWealth and the relevant supplier. The user of this website shall use the Data accessible through the website only for their individual use, and shall indemnify and hold harmless VirtualWealth, its affiliates and each supplier of Data from any losses or liabilities incurred as a result of the user's breach of the foregoing provisions or other misuse of the Data. You agree that the terms of this Agreement may be enforced directly against you by each supplier of Data.

 

Rates and fees

VirtualWealth strives to keep rates and fees posted on this website current. However, rates, fees, and related information are subject to change at any time with 60 days prior notice to account holders and the posted rates and fees on this website may not reflect such changes.

 

Foreign currency conversions

Trades in currencies other than the currency of the account in which the trade is to settle require currency conversion. VirtualWealth acts as principal when converting currency for such transactions at rates established or determined by us. VirtualWealth may earn revenue on the spread between the bid and offer rates for the currency and the rate at which the rate is offset in the market. Any currency conversions will take place on the trade date unless otherwise agreed.

 

Systems disclaimer

VirtualWealth endeavours to offer customers an online investment service that is easy to use, reliable, secure and capable of meeting its customers' investment needs. From time to time, however, interruptions, errors or other deficiencies in service may occur. This may be due to a variety of factors, many of which are outside our control, including interruptions in the accessibility of the Internet and a system outage in facilities of a third-party service provider (including stock exchanges, Data providers, and middleware and back-office service providers). Each of these factors can contribute to delays or errors in service or system outages. Your use of electronic, online and automated telephone services, software, systems and facilities made available by VirtualWealth, are subject to the following terms and conditions:

  • Systems are not guaranteed:  VirtualWealth, any of its affiliates nor any third-party owners, licensors or suppliers of equipment, software, systems, services or facilities used or made available in connection with a service offered by VirtualWealth (the "Systems") is liable for or makes any representation or warranty, whether express or implied, concerning the Systems or the use thereof, including, without limitation, that the Systems will meet your needs or that the Systems will be available for use at any particular time or for any particular purpose or will operate error free. Without limiting the generality of the foregoing, all express or implied, direct or indirect, representations, warranties and conditions in respect of the Systems arising or implied by statute, common law, custom, usage of trade, course of performance, course of dealing or otherwise, including, but not limited to, any warranties on conditions of merchantable quality and fitness for a particular purpose are expressly excluded; and
  • Limit on liability:  The user of the Systems agrees that VirtualWealth will not be liable for any loss or damage resulting from use of the Systems, including but not limited to loss or damage resulting from failure of electronic or mechanical equipment or communications lines, the Internet, telephone or other inter-connect problems, power failure, or third-party system failure.

 

Governing law

Unless otherwise provided in an agreement with VirtualWealth, the laws of the province of British Columbia and the federal laws of Canada applicable therein govern as to the interpretation, validity and effect of the provisions of this Agreement notwithstanding any conflict of laws provisions or your domicile, residence or physical location. You consent and submit to the non-exclusive jurisdiction of the courts of the province of British Columbia in any action or proceeding instituted under or related to this Agreement.

 

Client concerns

Client complaints and concerns can be emailed to clientconcerns@virtualwealth.ca or mailed to Suite 1920, One Bentall Centre, 505 Burrard Street, Box 85, Vancouver, BC V7X 1M6 to the attention of the Chief Compliance Officer. Our Complaint Handling Procedures are set out in the VirtualWealth Customer Agreements & Disclosure Documents booklet.