Legal Notice

IMPORTANT NOTICE — TERMS OF USE

This notice governs the use of the B2B Bank Internet website and RSS feeds. Please read it carefully before accessing the site or subscribing to B2B Bank’s RSS feeds. By accessing and using this website and/or subscribing to B2B Bank’s RSS feeds, you are accepting and agreeing to be bound by, and comply with, these terms of use (the “Terms”). If you do not agree to these Terms, please refrain from accessing or using the site or subscribing to B2B Bank’s RSS feeds. The Terms may be changed from time to time, without prior notice. The amended Terms shall automatically become effective immediately after they are posted.

Information purposes only

The content of the B2B Bank website (the "website" or the "site") and B2B Bank's RSS feeds (the "RSS feeds") is provided for information purposes only, unless otherwise indicated, and does not constitute an offer to purchase or sell the products or services of B2B Bank, its parent company, its subsidiaries or its affiliates ("B2B Bank"). B2B Bank Financial Services Inc., B2B Bank Securities Services Inc., and B2B Bank Intermediary Services Inc. are subsidiaries of B2B Bank, B2B Bank is a subsidiary of Laurentian Bank of Canada. This information is not intended as specific investment, financial, accounting, legal or tax advice for any individual and should not be relied on as such. Each user must take into consideration the laws applicable in his/her jurisdiction when evaluating his/her financial position. Calculations or projections are provided for general illustrative purposes only and are not warranted to be accurate or complete.

Accuracy and change of information

Information and materials provided on the website and RSS feeds are believed to be accurate when posted. Despite its best efforts, however, B2B Bank cannot guarantee that they are accurate or complete or that they will be current at all times. Furthermore, Internet software or transmission problems may produce inaccurate or incomplete copies of information and materials that may be downloaded and displayed on a user's computer.

B2B Bank reserves the right to modify the information and materials contained in the website without prior notice. You agree to review the said information and materials regularly, and your continued access or use of the site will mean that you agree to any such changes. B2B Bank reserves the right to discontinue the RSS feeds and/or change or remove the content of the RSS feeds at anytime and with no prior notice, or to require you to discontinue your access to, or use of, the RSS feeds.

You are responsible to cancel RSS feeds if you no longer want to receive updates. You are also responsible to make changes to your subscription preferences. B2B Bank has no obligation to ensure that you receive RSS feeds and accepts no responsibility or liability in the event that you do not receive them in a timely way, or at all.

The images of persons featured on this site are images of models and are used for illustrative purposes only; none of these images are actual clients of B2B Bank. While this site contains true client testimonials, the names of the clients have been changed to protect their identity.

Security of transactions

B2B Bank complies with regulations related to the protection of personal information. In addition, it uses secure encryption techniques to ensure the confidential nature of the information it exchanges with you. However, complete confidentiality in the transmission of data is not always possible over the Internet, and privacy cannot be ensured at any time. Neither B2B Bank nor its affiliates will be responsible for any damages you may suffer if you transmit confidential or sensitive information to us and that information subsequently becomes public through no fault of ours.

Terms and conditions applicable to products and services

Each product and service is subject to an agreement containing the terms and conditions applicable in said agreement. The products and services described on pages of this site and the RSS feeds are available only in jurisdictions where they may be legally offered for sale. Any application for a credit product or service is subject to credit approval by B2B Bank.

Non-solicitation

The description of products and services offered does not constitute solicitation or an offer to purchase or sell any products or services.

Confidentiality of client information

As previously mentioned, B2B Bank complies with regulations related to the protection of personal information. As a subsidiary of Laurentian Bank of Canada, B2B Bank adheres to the Laurentian Bank Privacy Code, the main points of which are summarized in our B2B Bank Code of Confidentiality brochure. This code governs the behaviour of B2B Bank employees with regard to the accuracy, confidentiality and security of all client information.

We are committed to protecting the security, as well as the confidentiality of personal and financial information within the web server hosting our website and our internal computer systems. You will be protected against fraudulent activity resulting from a breach in computer security for which you are not responsible provided that you do your part which includes, among other things, guarding your password and preventing unauthorized use of your accounts.

No warranties

WHILE EVERY EFFORT IS MADE TO ENSURE THAT THE INFORMATION AND MATERIALS CONTAINED IN THE SITE AND THE RSS FEEDS — INCLUDING TEXT, GRAPHICS, LINKS TO OTHER INTERNET RESOURCES OR OTHER ITEMS — IS ACCURATE, THEY ARE PROVIDED ON AN "AS IS", "WHERE IS" BASIS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS, OR STATUTORY IS GIVEN BY B2B BANK, ITS SUBSIDIARIES OR ITS AFFILIATES IN CONJUNCTION WITH THE INFORMATION AND MATERIALS INCLUDING, WITHOUT LIMITATION, THE ACCURACY ADEQUACY, TIMELINESS, MERCHANTABILITY, OPERATION, NON-INFRINGEMENT, USEFULNESS, RELIABILITY AND FITNESS FOR A PARTICULAR PURPOSE OR COMPLETENESS OF THE INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS.

Further, B2B Bank does not represent or warrant that the site or the RSS feeds will be at all times available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or losses 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. You have sole responsibility for adequate protection and backup of data and/or equipment and to take reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

No liability

IN NO EVENT WILL B2B BANK, ITS SUBSIDIARIES OR ITS AFFILIATES BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES WHATSOEVER (INCLUDING WITHOUT LIMITATION: DIRECT OR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, LOSSES OR EXPENSES) ARISING IN CONNECTION WITH THIS SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR THE RSS FEEDS OR ANY OTHER READER SERVICES OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR ANY POST, TRANSMISSION OR REDISTRIBUTION OF THE CONTENT OF B2B BANK'S RSS FEEDS BY YOU, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE OR SYSTEM FAILURE, LOSS OF DATA, ANY UNAUTHORIZED USE OR REPRODUCTION OF THE SITE OR THE RSS FEEDS OR THE INFORMATION OR OTHERWISE, EVEN IF B2B BANK OR ITS REPRESENTATIVES ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

B2B Bank does not provide, and is not responsible in any way for, any Web browser to access the B2B Bank website, nor any reader to access RSS feeds. It is your responsibility to review the security and privacy standards, the systems compatibility, and the terms and conditions of your access method.

No endorsement of hyperlinks

Links to other websites from this website or the RSS feeds (or references to products, services or publications other than those of B2B Bank) are for convenience only and are at your own risk. B2B Bank is not responsible for the content of external websites. No endorsement of any third party products, services or information is expressed or implied by any information, material or content referred to or included on, or linked from or to this site or the RSS feeds. Such products, services or information are not investigated, verified, monitored, or endorsed by B2B Bank.

You are responsible for taking the necessary precautions to detect possible viruses and ensuring that any software program accessed through one of the links offered on this site or the RSS feeds is compatible with your computer. You should also ensure that you have up-to-date backup copies of the entire contents of your hard disk before installing software downloaded from these links.

Trademarks

Certain names, graphics, logos, icons, designs, words, titles or phrases at this site may constitute trade names, trademarks or service marks of B2B Bank, Laurentian Bank of Canada, or of third parties of which B2B Bank is an authorized user. Use of trademarks on this site does not necessarily presume that a licence of any kind has been granted. The ® and ™ symbols designate "registered trademark" and "trademark" respectively.

The trademarks are distinguished from one another and accompanied, at first-time use, with the appropriate trademark symbol: ®, ™, or *. These symbols are keyed below to their respective legend which describes the owner or licensee of the trademark: ® Registered trademark of B2B Bank; ™ Trademark of B2B Bank; * B2B Bank, licensee of trademark; ® Registered trademark of Laurentian Bank of Canada; ™ Trademark of Laurentian Bank of Canada; * Laurentian Bank, licensee of trademark.

® The following is a non-exhaustive list of marks that are registered trademarks of B2B Bank, having been approved and entered on the Trademark Register held by the Trademarks Office (Canadian Intellectual Property Office) under the Trade-marks Act (Canada):

B2B BANK, B2B BANQUE, Banking that works for advisors, La solution bancaire pour les conseillers, Borrowing to invest is smarter than borrowing to spend, Mieux vaut emprunter pour investor qu’emprunter pour dépenser, Borrowing to invest is better than borrowing to spend, Emprunter pour investor est bien mieux que d’emprunter pour dépenser, La banque au service des conseillers

™ The following is a non-exhaustive list of marks that are trademarks of B2B Bank:

B2B Trustco, B2B BANK HIIA, CIIE DE B2B BANQUE, B2B BANK HISA, CEIE DE B2B BANQUE, B2B BANK BUSINESS HISA, CEIE AFFAIRES DE B2B BANK, Banking that works for brokers, La banque au service des courtiers, It’s banking that works – for advisors, The bank at the service of advisors

® The following is a non-exhaustive list of marks that are registered trademarks of Laurentian Bank of Canada, having been approved and entered on the Trademark Register held by the Trade-marks Office (Canadian Intellectual Property Office) under the Trade-marks Act (Canada). Certain of these marks may also be Laurentian Bank property under applicable trade-mark law in foreign jurisdictions:

BLC, BLC SERVICES FINANCIERS, LBC FINANCIAL SERVICES, LAURENTIAN TRUST OF CANADA INC., TRUST LA LAURENTIENNE DU CANADA INC., BANQUE LAURENTIENNE, LAURENTIAN BANK, ARBRE (DESSIN), HOMEOWNER'S KIT, TROUSSE DU PROPRIÉTAIRE

™ The following is a non-exhaustive list of marks that are trademarks of Laurentian Bank of Canada:

LBC, LAURENTIAN BANK OF CANADA, BANQUE LAURENTIENNE DU CANADA, BANQUE LAURENTIENNE DU CANADA & DESSIN, BANQUE LAURENTIENNE DU CANADA LAURENTIAN BANK OF CANADA & DESIGN, LAURENTIAN BANK OF CANADA & DESIGN, LAURENTIAN BANK SECURITIES, VALEURS MOBILIÈRES BANQUE LAURENTIENNE, LAURENTIAN BANK GROUP, LA GROUPE BANQUE LAURENTIENNE, LAURENTIAN TRUST, TRUST LA LAURENTIENNE, LBC TRUST, BLC TRUST

* The following trademarks are exclusive to their respective owner, and used by B2B Bank and/or Laurentian Bank of Canada under license:

INTERAC, PLUS, FUNDSERV, EPOST, POSTEL

 

Tradenames

(Nil)

Proprietary information

The information contained in the pages of this site and the RSS feeds is the sole property of B2B Bank and is for your personal informational use only. All information in this site and the RSS feeds is protected under the copyright laws of Canada and in other countries. This information may not be reproduced, in whole or in part, without the written express consent of B2B Bank. Unauthorized public or commercial use, downloading, storage in any medium, retransmission, redistribution or other reproduction or modification of trade-marks or information contained in this site or the RSS feeds is prohibited and may be a violation of such laws, including trade-mark or copyright laws and could subject the user to legal action.

B2B Bank does not waive any of its legal rights to information it owns by allowing access to that information through its RSS feeds. You cannot edit or modify any content of B2B Bank’s RSS feeds. You are only allowed to transmit, post, or redistribute the content of B2B Bank’s RSS feeds provided that: all such content, including hyperlinks, retains its functionality; no intermediary content or pages are included or inserted in B2B Bank’s RSS feed content; the content must be attributed to B2B Bank’s website, which is the source of B2B Bank’s RSS feed; and it does not appear that B2B Bank endorses or promotes in any way a website, cause, idea or service where the content may appear. You will be fully and solely responsible and liable for any such transmission, post, or redistribution.