Darren Weber Financial Disclaimers
This website, its design and content is the
exclusive property of Darren Weber Financial. All rights reserved. Unauthorized
reproduction, use or representation of this website, in part or in whole
is expressly forbidden.
All images are copyright their original owners and are used under the
licenses applied.
Darren Weber Financial is a registered corporation within the province of
Saskatchewan, Canada.
Darren Weber Financial reserves the right to add, modify or remove any content
at any time. For confirmation of pricing, special offers or other business-related
issues, please contact Darren Weber Financial directly.
Disclaimers and Disclosures
Website/Canadian Residency Disclaimer:
The information contained herein is for Canadian residents only and does not constitute an offer to sell or a solicitation in any jurisdiction in which Manulife Securities or its Advisors are not appropriately licensed or registered or where any Product or Service is not eligible for sale. Details are available on request.
Insurance Product Disclaimer: Insurance products and services are offered through Berkshire Insurance Brokerage Inc.(a licensed life insurance agency and affiliate of Manulife Securities) by Manulife Securities Advisors licensed as life agents.
Link Disclaimer:
Darren Weber Financial and Manulife Securities Investment Services Inc. do not make any representation that the information in any linked site is accurate and will not accept any responsibility or liability for any inaccuracies in the information not maintained by them, such as linked sites. Any opinion or advice expressed in a linked site should not be construed as the opinion or advice of Darren Weber Financial or Manulife Securities. The information in this communication is subject to change without notice.
OBA (Outside Business Activity) Disclaimer:
Manulife Securities Investment Services Inc. is registered as a Mutual Fund Dealer, or its equivalent, with the provincial securities commissions and as such our Advisors are entitled to sell mutual funds and other approved securities as permitted under our registration. They may also be able to provide other services or products to you through their own business. As a member of the Mutual Fund Dealers Association of Canada ("MFDA"), Manulife Securities Investment Services Inc. is obligated to disclose to you that you may be dealing with companies other than Manulife Securities Investment Services Inc. when purchasing services or products from your Associate (remuneration to your Associate may also come from various sources depending on the services or products purchased). For example, your Associate may offer any one or more of the following through a separate business, which would not be the responsibility of Manulife Securities Investment Services Inc.
* Deposit Instruments: GICs, Canada Savings Bonds;
* Fee for Service Financial Planning;
* Estate Planning;
* Tax Planning or Income Tax Preparation;
* Insurance: Life, Accident, Sickness, Disability, General.
Please be sure that you have a clear understanding of which company you are dealing with for each of your services and products. Your Associate would be happy to provide any clarification you require.
Trademark Disclaimer:
Manulife Securities and the block design are registered service marks and trade marks of The Manufacturers Life Insurance Company and are used by it and its affiliates including Manulife Securities Investment Services Inc.
Borrowed Money (& Leverage) Disclaimer:
Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchased declines.
Opinion Disclaimer:
The opinions expressed are those of the author and may not necessarily reflect those of Manulife Securities Investment Services Inc. or Manulife Securities Insurance Inc.
Privacy Disclaimer:
Manulife Securities Investment Services Inc. is committed to protecting your privacy and the confidentiality of your personal information. A copy of our privacy policy is available upon request. If you have any questions about this policy, please call us at 1-800-991-2121.
Darren Weber Financial Privacy Policy
Darren Weber Financial is bound by PIPEDA and
requires consent where the personal information it collects, uses, discloses
and retains is used in the course of its commercial activities. The information Darren Weber Financial collects,
uses, discloses and retains for Regulatory purposes does not require
consent.
The following are the 10 principles with which Darren Weber Financial is
required to comply with respect to personal information:
1. ACCOUNTABILITY
Darren Weber Financial is
responsible for personal information under its control and shall designate
one or more administrative members who are accountable for Darren Weber Financial compliance.
The identity of the staff members shall be made known by Darren Weber Financial
upon request.
Policy:
2. IDENTIFYING PURPOSES
The purpose for which personal information is collected, used and disclosed
by DarrenWeberFinancial.ca in
the course of its commercial activities is as follows:
Policy:
-
Personal information collected, used and disclosed by DarrenWeberFinancial.ca in
the course of its commercial activities is outlined above.
Procedure:
- A Consent Form, setting out the use of the personal information
by DarrenWeberFinancial.ca in
the course of its commercial activities, will be sent providing
an opportunity to accept or deny its use. Any individual may subsequently
amend his/her consent in writing.
3. CONSENT
The knowledge and consent of the individual is required for the collection,
use, disclosure or retention of personal information in the course of DarrenWeberFinancial.ca commercial
activities except where inappropriate. The form of the consent sought
by DarrenWeberFinancial.ca may
vary depending on the circumstances and the type of information and the
reasonable expectations of the individual. Given the nature of the personal
information it is reasonable to infer that an individual has given implied
consent for the collection, use, disclosure or retention of personal
information necessary for the identified purposes until the individual
has returned the above noted Consent Form to
DarrenWeberFinancial.ca An express consent with check off boxes allowing an individual
to request that contact information not be given to other organizations
which may use it for commercial activities will be included in the Consent
Form. DarrenWeberFinancial.ca may
collect, use and disclose personal information in the course of its commercial
activities without the knowledge or consent of the individual if the
collection, use or disclosure is clearly in the interest of the individual
and the consent cannot be obtained in a timely manner or if it is reasonable
to expect that the collection, use or disclosure with the knowledge or
consent of the individual would compromise the availability or the accuracy
of the information as more particularly set out in the PIPEDA .
An individual may withdraw his/her consent at any time upon reasonable
notice subject to legal or contractual restrictions.
The only commercial entities to whom DarrenWeberFinancial.ca will
divulge any personal information gathered in the course of its commercial
activities are affiliate associations including but not limited to Better
Business Bureau. Requests by such commercial entities will be addressed
individually and evaluated by DarrenWeberFinancial.ca manager(s). DarrenWeberFinancial.ca reserves
the right to refuse personal player information to any organization who
is deemed non-compliant with PIPEDA .
Policy:
- Personal information collected, used, disclosed and retained
by DarrenWeberFinancial.ca in
the course of its commercial activities is identified in the Consent
Form. DarrenWeberFinancial.ca will
obtain written consent from all members to collect, use, disclose
and retain his/her personal information in the course of its commercial
activities.
4. LIMITING COLLECTION
The collection, use and disclosure of personal information in the course
of its commercial activities shall be limited to that which is necessary
for the purposes identified by DarrenWeberFinancial.ca.
Information shall be collected by fair and lawful means.
Policy:
- All personal information collected, used and disclosed by
DarrenWeberFinancial.ca in the course of its commercial activities is obtained
from individual Consent Forms.
Procedure:
- Collect, use and disclose personal information in the course
of its commercial activities from Consent Forms.
5. LIMITING USE, DISCLOSURE AND RETENTION
Policy:
- Personal information collected, used or disclosed by DarrenWeberFinancial.ca in
the course of its commercial activities shall not be used or disclosed
for purposes other than those for which it was collected except
with the consent of the individual or as required by law. Personal
information shall be retained only as long as necessary for the
fulfillment of those purposes.
- Darren Weber Financial may disclose personal information collected in the
course of its commercial activities without the knowledge or consent
of the individual if the disclosure is to a lawyer who represents DarrenWeberFinancial.ca or
for the purposes of collecting a debt owed by the individual to DarrenWeberFinancial.ca
or where such is required to comply with a subpoena or an Order of
the Court or a person or body with jurisdiction to compel the production
of information or where a request has been made by an investigative
body and the disclosure is reasonable for purposes related to investigating
a breach of an agreement or contravention of the Laws of Canada or
a Province or are required by law.
Procedure:
- Only personal information collected from the Consent Form
may be provided to those organizations identified on the Consent
Form.
6. ACCURACY
Personal information collected, used or disclosed by DarrenWeberFinancial.ca in
the course of its commercial activities shall be as accurate, complete
and up to date as is necessary for the purpose for which it is to be
used.
Policy:
Procedure:
- Changes to all information submitted in Consent Forms will
only be accepted in writing.
7. SAFEGUARDS
Policy:
- Personal information collected, used and disclosed by DarrenWeberFinancial.ca in
the course of its commercial activities shall be protected by security
safeguards appropriate for the sensitivity of the information.
Procedure:
- DarrenWeberFinancial.ca’s database is password protected using standard
encryption means.
- Access to the physical storage medium used is limited to
those with access to the building in which the DarrenWeberFinancial.ca server
is housed; currently two people.
8. OPENNESS
DarrenWeberFinancial.ca shall
make readily available to individuals specific information about its
policy of practices relating to the management of personal information
collected, used and disclosed in the course of its commercial activities.
An individual may contact the designated staff member to obtain further
information.
Policy:
- An individual may request access to his/her personal information
collected, used or disclosed by DarrenWeberFinancial.ca in
the course of its commercial activities (Consent Form).
Procedure:
- Written request to the staff member responsible for DarrenWeberFinancial.ca’s
compliance with the PIPEDA .
9. INDIVIDUAL ACCESS
Upon request, an individual shall be informed of the existence, use
and disclosure of his/her personal information collected, used or disclosed
by DarrenWeberFinancial.ca in the course of its commercial activities and shall
be given access to that information. An individual shall be able to challenge
the accuracy and completeness of the information and have it amended
as appropriate.
Policy:
- An individual may request access to his/her personal information
collected, used or disclosed by DarrenWeberFinancial.ca in
the course of its commercial activities (Consent Form).
Procedure:
- Request to access personal information collected, used or
disclosed on the Consent Form must be received in writing, including
the date and time when he/she would like to view the Consent Form.
- Staff member accountable for DarrenWeberFinancial.ca’s compliance
with the PIPEDA will
remove that Consent Form from the binder for review by the individual.
- Changes to information contained on the Consent Form will
be made by the individual in writing, signed and dated.
10. CHALLENGING COMPLIANCE
An individual shall be able to address a challenge concerning compliance
with the above 9 principles with the designated administrative member
accountable for
DarrenWeberFinancial.ca’s compliance.
Policy:
- Complaints may be made to DarrenWeberFinancial.ca designated
staff member accountable for DarrenWeberFinancial.ca’s compliance with
the PIPEDA in
addition to the Federal Privacy Commission.
Procedure:
- Complaint must be made in writing and should be addressed
to the designated staff member accountable for ensuring DarrenWeberFinancial.ca’s
compliance with the PIPEDA .
- The staff member accountable for DarrenWeberFinancial.ca’s compliance
with the PIPEDA ,
in consultation with the Executive Director, will address the matter
and issue a response to the individual within 30 days of receipt
of the complaint.
To contact the DarrenWeberFinancial.ca Privacy
Officer, please use the following email address:
darren@DarrenWeberFinancial.ca
