Terms of use

Legal information and protection standards

The terms of use provided below apply to the Invesco Canada Ltd. ("Invesco ") website (the "website") and to all products, services, resources, information, materials and other content available on the website (the "site content").

By accessing this website, you are deemed by Invesco to have unconditionally agreed to be bound by and comply with these terms.

These terms contain certain indemnities, limitations of liability and restricted warranties.

If you do not agree with these terms, your sole remedy is to discontinue your use of the website.

Your use of some of the site content or your participation in or use of some of the site resources or tools may be subject to additional terms and conditions (the additional terms and conditions), which we will make available to you prior to or at the time you access such site content or conduct these transactions and which will incorporate these terms and conditions in full. If there is a conflict between these terms of use and any additional terms and conditions, the additional terms and conditions will take precedence over any conflicting terms in these terms of use to the extent necessary to resolve the conflict.

We reserve the right to change these terms from time to time at our sole discretion and without notice. Any changes will be effective on the date they are posted. You can determine this date by looking at the date in the lower left hand corner of this Web page. We recommend that you print a copy of these terms for reference purposes and revisit these terms from time to time to ensure you are aware of any changes. Your continued use of the website signifies your acceptance of any changed terms.

Nothing contained in these Terms is intended to modify or amend any other written agreement (including without limitation any customer agreement, participation agreement or account agreement) ("Other Agreements") if any, that may currently be in effect between you and Invesco. In the event of any inconsistency between these terms and any Other Agreements, the Other Agreements shall govern.

The website and its content are provided as a service to the customers of Invesco and are for informational and educational purposes only. You are solely responsible for evaluating the risks and merits regarding the use of the website and any services provided therein.

Nothing in the website shall be considered a solicitation, recommendation, endorsement or offer by Invesco to buy or sell any security, including funds managed by Invesco or to offer or provide any investment, tax, financial or legal advice or service to any person in any jurisdiction. Any overviews or tools provided through the website are intended to be general in nature. While intended to be helpful, these overviews and tools are no substitute for professional tax, financial or legal advice. Investors should seek such professional, financial or legal advice for their particular situation. Decisions based on information contained or provided through the website are your sole responsibility and at your own risk.

Notice to users regarding commissions and funds

Commissions, trailing commissions, management fees and expenses may all be associated with mutual fund investments. The indicated rates of return are the historical annual compounded total returns including changes in security values and reinvestment of all distributions, and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder, which would have reduced returns. Mutual funds are not guaranteed and their values change frequently and past performance may not be repeated. Please read the prospectus or offering documents before investing. 

Copies are available from your advisor or from Invesco Canada Ltd. by calling Client Relations at 1.800.874.6275 or e-mail at: inquiries@invesco.ca.

In addition, money market funds are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that the money market funds will be able to maintain their net asset value per security at a constant amount or that the full amount of your investment in the funds will be returned to you. 

Non-Canadian investors

This Site is intended for residents of Canada only. If you do not reside in Canada, please visit our Invesco Ltd. website (http://www.invesco.com) to assist you with products and services legally available in your place of residence.

The Products described on this site are qualified for sale only to residents of Canada through registered investment advisors.

Nothing on this website shall be considered a solicitation to buy or an offer to sell a security, or any other product or service, to any person in any jurisdiction where such solicitation, offer, purchase or sale would be unlawful under the laws of that jurisdiction.

Copyrights and Trademarks

Invesco owns and operates the website. All information and materials contained on the website are subject to copyright and/or trademark protection laws and are provided solely for your personal non-commercial or internal business use. The website and site content are the property of Invesco Canada Ltd. and its licensors and are protected by Canadian and foreign laws and international treaties and conventions. All copyright, patent, trademark and other proprietary rights in the website, site content and in the services, products, software, text, graphics, design elements, audio, music and all other materials originated or used by us at the website are reserved to us or our licensors.

Invesco^® and all associated trademarks are trademarks of Invesco Holding Company Limited, used under licence.

The pages on this website are copyright © Invesco Canada Ltd. All rights reserved.

Use of information on this site

Except to the extent specifically authorized by Invesco pursuant to any applicable additional terms of use, you may not modify copy, reproduce, publish, upload, post, transmit, distribute or commercially exploit in any way any site content, including code and software. The information herein is not intended to provide legal, accounting, tax or specific investment advice. If such advice is required, the services of a competent professional should be sought. Views expressed regarding any particular company, security, industry or market sector are the views of only that individual as of the time expressed and do not necessarily represent the views of Invesco. Any such views are subject to change at any time, and Invesco expressly disclaims any responsibility to update such views.

Unauthorized downloading, re-transmission, storage in any medium, copying, redistribution or republication for any purpose is strictly prohibited without the written permission of Invesco.

Conduct of users

You represent, warrant and covenant that in your use of this website or site content, you will not:

• restrict or inhibit, or attempt to restrict or inhibit any other user from using and enjoying the website or site content;
• be unlawful, threatening, abusive, libellous, defamatory, obscene, vulgar, pornographic, profane or indecent in any way, including without limitation, constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable law;
• upload or transmit any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation;
• violate or infringe upon the rights of others, including posting, uploading, downloading, collecting, storing or transmitting material that is an invasion of privacy or publicity rights or that is protected by copyright, trademark, patent or other proprietary right, or derivative works with respect thereto, without first obtaining permission from the owner or right holder;
• post, upload, or transmit content that contains a virus, worm, "Trojan horse", other harmful component or any other computer code, files or programs that might interrupt, limit or interfere with the functionality of any computer software or hardware of file communications equipment that is owned, leased or used by Invesco;
• impersonate any person or entity, including, but not limited to, Invesco personnel, or falsely state or otherwise misrepresent your affiliation with a person or entity;
• stalk or otherwise harass any user or collect or store personal data about other users;
• monitor, aggregate or copy any site content by using any manual process, or any robot, spider, or other automatic device;
• Copy, reproduce, republish, upload, post, transmit, or distribute in any way material from the website in any manner inconsistent with the purposes for which it is offered by Invesco to its customers, prospective customers or members of the general public.
• Without Invesco's express written permission, copy, modify, or display Invesco's name or logo, or any text, graphic images, or other content from the Website.
• Redeliver any of the pages, text, images, or other content of the Website using "framing" technology without Invesco's express written permission.
• Use devices (including software) that are designed to provide repeated automated access to the Website other than those made generally available by Invesco.
• Include "Invesco", "Invesco Funds", any other Invesco trademark, the name of any Invesco personnel, or any variation of any of the foregoing, as a metatag, hidden textual element, or any other indicator that may create a false or misleading impression of affiliation, sponsorship, or endorsement between any user and/or site and Invesco.
• Resell or provide commercial use of the website or the content therein, or copy or create any derivative works from, display, distribute, license, perform, publish, recreate, reproduce, sell, transfer or transmit any information, products, services or software obtained by, from or through the website; or use any data mining, robots, or similar data gathering and extraction tools on the website.
• Reproduce, duplicate, copy, sell, resell, visit, or otherwise exploit for any commercial purpose the website without the express prior written consent of Invesco.

Use of Access IDs/ User IDs/ passwords

If you are issued an Access ID, User ID and/or password ("access codes") to enable you to access particular services, you are solely responsible for ensuring the safety and security of the access codes. You are entirely responsible for all activities that occur under your access codes and you could be held liable for losses incurred by Invesco or another party due to someone else using your access codes.You are not permitted to use the access codes for any purposes other than to receive the particular service offered by Invesco for which the access codes were issued. You are not authorized or permitted to share the access codes with any other party. You may not obtain unauthorized access to such parts of the website, or to any other protected materials or information, through any means not made intentionally available to you by Invesco. In the event any access codes are lost, stolen or wrongfully accessed, you must immediately notify Invesco.

Grant of Licence by you

By submitting any information or content to Invesco, or engaging in any other form of communication on the website or through services on the website (collectively, Submissions), you grant to us and our affiliates a royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide right and licence (and all rights to sublicense) to: use, store, copy, sublicense, modify, adapt, edit, publish, translate, create derivative works from, transmit, distribute, publicly and privately perform and display any such communication (in whole or in part) and/or to incorporate it in other works in any form, format, media or technology now known or later developed; provided however that, with respect to personally identifiable information, this licence shall not apply and Invesco shall comply with the terms set forth in the Website Privacy Policy.

The foregoing grants include the right to exploit any proprietary rights in such Submissions, including but not limited to rights under copyright, trademark, service mark or patent laws under any relevant jurisdiction and will survive any termination of your access to the website.

You also warrant that the holder of any rights, including moral rights in such content, has completely and effectively waived all such rights and validly and irrevocably granted to you the right to grant the licence above. Subject to the foregoing, the owner of any Submissions retains any and all rights that may exist in such content.

Misuse of the website or violation of these terms

To maintain the security and integrity of this website and the reputation and goodwill of Invesco, we reserve the following rights:

• to terminate or limit your access to the site content and cancel any issued access codes, without notice, if at any time you are no longer authorized to access the site content for which the access codes have been issued;
• to disclose any information as necessary to satisfy any law, regulation or governmental request, or to refuse to post or to remove any information or materials, in whole or in part, that in our sole discretion are objectionable or in violation of these terms;
• to investigate suspected violations of these terms, including the gathering of information from the user or users involved and the complaining party, if any, and examination of material on our servers and network. You hereby consent to and authorize us, our affiliates and agents to cooperate with (i) law enforcement authorities or governmental agencies in the investigation of suspected criminal violations, and (ii) system administrators at other Internet service providers or other network or computing facilities to enforce these terms. Such cooperation may include our provision of usernames, IP addresses or other identifying information;
• to suspend your account and/or access codes and all access to the site content, without notice, and conduct investigations reasonably necessary (and provide information and cooperate in investigations being conducted by third parties with respect thereto) in the event Invesco learns of or reasonably suspects wrongful or unauthorized use of the access codes, or misuse of the site content or website, and to investigate suspected unauthorized use of wrongful use and to maintain the quality and integrity of the site content;
• to terminate, without notice, your access to and use of the website and the site content if, in our sole discretion, you have violated these terms or we reasonably suspect that you have done so; and
• to take whatever lawful actions it may deem appropriate in response to actual or suspected violations of these terms by you.

Third-party websites or links

We provide links to various third-party websites solely as a convenience. These linked sites are not under our control or direction and we have not reviewed all of the sites linked from the website. We do not endorse or sponsor, and are not responsible or liable for, the contents, products or services available at any such linked site or the practices of these websites (including without limitation, their privacy and data-gathering policies and practices or compliance with any applicable laws). Invesco is not responsible for webcasting or any other form of transmission received from any linked site. These terms do not apply to such websites and you assume all risk of use thereof.

Your Indemnity to us

You agree to indemnify, defend and hold harmless Invesco, its subsidiaries and affiliates and their officers, employees, directors, agents and content providers from and against any and all claims, damages, costs or other expenses (including reasonable attorneys fees) that arise directly or indirectly out of or from your use and activities in connection with this website or site content, including without limitation any breach of these terms (including without limitation any representation or warranty made by you in these terms), your inability to access this website, the use of any linked websites, your reliance on any errors or omissions in this website, or the propagation and/or contraction of any computer virus in connection with your use of this website and/or the related content.

Disclaimer; limitation of liability

THIS WEBSITE AND SITE CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, WE AND OUR CONTENT PROVIDERS DISCLAIM ALL OTHER REPRESENTATIONS, CONDITIONS OR WARRANTIES, EXPRESS OR IMPLIED, WRITTEN OR ORAL, ARISING BY STATUTE, OPERATION OF LAW, USAGE OF TRADE, COURSE OF DEALING OR OTHERWISE AS TO THE WEBSITE OR THE SITE CONTENTS, OR ANY OTHER PRODUCT OR SERVICE PROVIDED HEREUNDER OR IN CONNECTION HEREWITH, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, MERCHANTABLE QUALITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. IN PARTICULAR, AND WITHOUT LIMITING THE FOREGOING, WE DO NOT MAKE ANY REPRESENTATIONS OR WARRANTIES THAT: (1) THE WEBSITE OR SITE CONTENT WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS; (2) THE OPERATION OF THE WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE OR THAT ANY ERRORS WILL BE CORRECTED; (3) ANY PARTICULAR RESULTS WILL BE OBTAINED FROM THE USE OF THE WEBSITE OR SITE CONTENT; OR (4). THE MATERIALS ON THE WEBSITE ARE CORRECT, ACCURATE, RELIABLE, OR OTHERWISE. THE MATERIALS IN THE WEBSITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. THESE MATERIALS COULD BECOME INACCURATE AS A RESULT OF DEVELOPMENTS OCCURRING AFTER THEIR RESPECTIVE DATES. INVESCO UNDERTAKES NO OBLIGATION TO MAINTAIN THE CURRENCY OF SUCH INFORMATION.

Unless otherwise expressly indicated, all information is unaudited and there is no representation that the financial information has been prepared in accordance with generally accepted accounting principles. The information is subject to change without notice.

NEITHER WE NOR OUR CONTENT PROVIDERS SHALL BE LIABLE UNDER ANY CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHER CLAIM FOR ANY DIRECT OR, INDIRECT DAMAGES OR INJURY OR LOSS, INCLUDING, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES, OR ANY DAMAGES WHATSOEVER INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF INVESCO IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR THEY ARE FORESEEABLE) INCLUDING WITHOUT LIMITATION THOSE DAMAGES RESULTING FROM: (1) THE USE OF OR THE INABILITY TO USE THE WEBSITE OR SITE CONTENT; (2) THE COST OF PROCUREMENT OF SUBSTITUTE PRODUCTS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR TRANSACTIONS ENTERED INTO; (3) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR SUBMISSIONS; (4) ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH OR FROM THE WEBSITE, BULLETIN BOARDS OR NEWSLETTERS OR STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE WEBSITE; OR (5) ANY VIRUSES, ERRORS, HARMFUL COMPONENTS OR OTHER PROBLEMS YOUR DEVICES MAY EXPERIENCE AS A RESULT OF YOUR USE OF THE WEBSITE.

Some jurisdictions do not allow the disclaimer of certain implied warranties or the limitation or exclusion of liability for incidental or consequential damages, so some of the above disclaimers, limitations and exclusions may not apply to you. In such event, our liability will be limited to the fullest extent permissible.

Applicable laws and jurisdiction

You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of the website and site content.

Invesco controls this website (excluding third-party linked sites) from its corporate offices within the province of Ontario, Canada. We make no representation that site content is appropriate or available for use in other locations, and accessing the website or site content from jurisdictions where their contents are illegal is prohibited. If you choose to access this website from such a jurisdiction, you do so at your own risk and are solely responsible for compliance with all the laws of your jurisdiction. The law of the province of Ontario will apply to all issues and matters relating to or arising from your use of this website. These terms are governed by and construed in accordance with the laws of the province of Ontario and the federal laws of Canada applicable in that province and you agree to submit to the exclusive jurisdiction of the courts of Ontario located in Toronto, Ontario (and, as required, the Federal and Supreme courts located in Ottawa, Ontario). Choice of law principles and the United Nations Convention for the International Sale of Goods and any legislation implementing such Convention are hereby expressly excluded.

The site content may be subject to Canadian export controls.

If any provision of these terms shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severed from these terms and shall not affect the validity and enforceability of any remaining terms. The section titles are for convenience only.

Our failure to enforce these terms, for whatever reason, shall not be construed as a waiver of any right to do so at any time.

Should you have any questions relating to these terms and conditions, please contact Client Relations at inquiries@invesco.ca.

Disclaimers for specific services on the Invesco website

The disclaimers provided below apply to the specific Invesco Canada Ltd. ("Invesco ") services and content described below (the "Services").

By utilizing the Service(s), you are deemed by Invesco C to have read, understand and agree to be bound by and comply with the additional terms and conditions as well as the General Terms of Use.

We reserve the right to change these additional terms and conditions from time to time at our sole discretion and without notice. Any changes will be effective on the date they are posted. You can determine this date by looking at the date in the lower left hand corner of this Web page. Your continued use of the Services signifies your acceptance of any changed or additional terms and conditions. We recommend that you print a copy of these terms for reference purposes and revisit these terms from time to time to ensure you are aware of any changes. Should you have any questions relating to these terms and conditions or if you are unable to print a copy of any of these documents, please contact Client Relations at inquiries@invesco.ca.

If you do not agree with the following additional terms and conditions your sole remedy is to discontinue your use of the Service(s).

In addition to the disclaimers and limitations of liability provided below, the following additional Service-specific terms and conditions also apply:

Tax and Estate Planning: The federal budget analyses are intended to provide commentary on developments in federal income tax legislation. It is not intended to provide legal, accounting, tax or specific investment advice. If such advice is required, the services of a competent professional should be sought. The information contained in this publication was obtained or compiled from sources believed to be reliable; however, Invesco cannot represent that it is accurate or complete.

Website Privacy Policy

At Invesco we take the issue of privacy seriously. We want to assure you that the security and confidentiality of personal information that you disclose while visiting the website will be respected. Policies governing the protection of privacy on the website are strictly observed and enforced to ensure this happens. For information on how Invesco uses and protects the personal information you may provide in and to the website, please read Invesco's privacy policy located on the website. You may not use the website to collect or harvest personal information about other persons or otherwise use the website in a manner that is inconsistent with their privacy or personal data protection rights.

Information collected

When you visit this website, the following information may be recorded: your IP address, pages visited, content downloaded and persistent cookies. Invesco uses this information to determine the number of people that visit this website and which sections of the website are visited most frequently. This information may be used to determine which information is most useful, improve this website and to provide better customer service. Invesco records the statistical information on the numbers of visitors to this website.

Client Accounts

If you sign up to receive Invesco information, Invesco will keep that information to provide you with future mailings and related materials of interest. The information will reside in an internal database at Invesco.

Certain Invesco employees will be provided with information about a website visitor in order to serve that visitor's needs and provide the visitor with information regarding specific products. Invesco Canada employees are instructed to use strict standards of care and confidentiality in handling this information.

By third parties

Invesco Canada does not transmit any personal information collected through its websites to any third parties. Personal information may be transmitted, however, if there is a specific need to complete a transaction requested by the online visitor or as identified above. To protect the confidentiality of the information submitted, we require that you have a browser that supports 128-bit strong encryption, such as Microsoft's Internet Explorer's most recent versions.

Use of Cookies

A cookie is a piece of information about an Internet session that may be created when a visitor accesses a website. There are two common types of cookies. One is a "session cookie" and the other is a "persistent cookie." A session cookie is not written on your hard drive, exists only until the browser is shut down, does not contain any information about you and does not retrieve information about you. A "persistent cookie" is written on your hard drive until the expiry date. Invesco website uses this cookie to identify you and store information that you are aware of. For example, if you chose to "Remember my User ID," then your computer will remember this when logging onto our site.

Use of information collected

We use the information collected from you when you visit our website to address your specific requests and to provide better customer service, including the provision of the latest information regarding our products and services. The information collected may also be used to document communications between Invesco and our online visitors and to comply with any applicable legal and/or regulatory requirements. If you have any questions about the protection of information you have disclosed on Invesco Canada's websites, please send us an e-mail at inquiries@invesco.ca, so that we can address your questions as quickly and completely as possible.

Unclaimed property

The provinces of Alberta, British Columbia, Manitoba, New Brunswick and Quebec have existing regulations concerning unclaimed property. As a result, Invesco has a process to track and locate investors for whom we are holding unclaimed property. Unclaimed property could include mutual fund units/shares or cheques that are deemed 'unclaimed' in the following circumstances:

• A communication or cheque has been mailed to a client for whom we are holding an account and has been returned as 'undeliverable'.
• A communication has been sent to a client for whom we are holding an account requesting that an action be taken by a specified date, and no action has been taken.
• Depending on the applicable provincial regulations a specified period of time has passed since a cheque was sent to a client for whom we are holding an account and the cheque has not been cashed.

Invesco maintains a list of unclaimed property owners whom we have been unable to contact. If you would like to request a search of our database or discuss the process of locating unclaimed property holders, please contact our Client Relations department at 1.800.874.6275.

Invesco is a registered business name of Invesco Canada Ltd.