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User Agreement
The following agreement (the "Agreement") applies to your use of the Qtrade Financial Group (comprised of Qtrade
Investor, Qtrade Advisor, Qtrade Institutional Services, Qtrade Securities, Qtrade Asset Management, Qtrade
Insurance Solutions, Qtrade Fund Management and OceanRock Capital Partners) website. By using this website, you
agree to the terms herein. These terms are in addition to the customer agreements that govern any accounts which
you may have with us.
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Qtrade Financial Group
Qtrade Investor is the online brokerage division of Qtrade Securities.
Qtrade Advisor is the full service brokerage division of Qtrade Securities.
Qtrade Institutional Services is the institutional services division of Qtrade Securities.
Qtrade Securities is a federally incorporated company with registered offices in Vancouver, British
Columbia. Qtrade Securities is a registered broker in each Canadian province in which it accepts accounts, and
is a member of both the Investment Industry Regulatory Organization of Canada and the Canadian Investor
Protection Fund. A copy of Qtrade Securities Inc.'s complaint handling procedures is available on request.
Qtrade Asset Management is a federally incorporated company with registered offices in Vancouver,
British Columbia. Qtrade Asset Management is a registered mutual fund dealer in each Canadian province in which
it accepts accounts, and is a member of both the Mutual Fund Dealers Association and the Investor Protection
Corporation.
Qtrade Insurance Solutions is a federally incorporated company with registered offices in Vancouver,
British Columbia. Qtrade Insurance Solutions is licensed as a life, accident and sickness insurance agent (or
similar) in BC, Alberta and Ontario.
Qtrade Fund Management is a federally incorporated company with registered offices in Vancouver,
British Columbia. Qtrade Fund Management provides managed portfolio and mutual fund solutions to the retail
public as well as the customers of the Qtrade Financial Group financial institution partners across Canada.
OceanRock Capital Partners is a federally incorporated company with registered offices in Vancouver,
British Columbia. OceanRock provides portfolio management and individual discretionary money management
services to institutions and high-net worth clients across Canada.
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Trademarks and Copyrights
Certain names, words, titles, phrases, logos, icons, graphics or designs found in this website (or other
websites accessed from www.qtrade.ca) may constitute trade names, trademarks or service marks, either registered
or unregistered ("Trademarks") of the Qtrade Financial Group, any of the companies comprising the Qtrade
Financial Group, their respective associates or affiliates, or of third parties and are used under license by
the Qtrade Financial Group. Images, logos, and pictures bearing the name or words "Qtrade Investor", "Qtrade
Advisor", "Qtrade Institutional Services", "Qtrade Securities", "Qtrade Asset Management", "Qtrade Insurance
Solutions", "Qtrade Fund Management" and "OceanRock Capital Partners" are Trademarks of the Qtrade Financial
Group 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 the
Qtrade Financial Group. Otherwise, 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 the Qtrade Financial Group, or their 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.
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Passwords and Security
As an account holder, you agree that you are solely responsible for the confidentiality and security of your
login names, account numbers, and passwords (including both your account and trading passwords). You agree not
to disclose your passwords to any person and keep them secure. You further agree that you are responsible for
all orders entered through and under your login names, passwords, and account numbers, and any orders received
by the Qtrade Financial Group, or any member company in this manner are deemed to have been received from you.
All orders shall be deemed to be made at the time received by the Qtrade Financial Group, or any member company,
and in the form received. You acknowledge that your passwords are unique to you and that we do not have access
to them.
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Internet Security
In order to protect against the loss, theft, misuse or compromise of your confidential Qtrade data, you
acknowledge and agree that you have reviewed and are complying with your "Customer Responsibilities" as set out
in the following link to "Internet Security".
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No Solicitation and Jurisdiction
Products and services of the Qtrade Financial Group are only offered in jurisdictions where they may be
lawfully offered for sale. Some of the products and services of the Qtrade Financial Group may only be available
in certain jurisdictions. 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 the applicable agreement. 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. Certain services of the Qtrade Financial Group and its member companies are
available only in certain provinces of Canada. If uncertain, please contact our head office at 1.877.QTRADE.0.
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Use of Website
The information on this site is subject to change without notice. The Qtrade Financial Group 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.
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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 the Qtrade
Financial Group or any of its member companies.
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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 the Qtrade
Financial Group and any of its member companies and information provided by other sources on this website is not
subject to any guarantee as to accuracy, completeness or currency. Neither the Qtrade Financial Group, any of
its member companies, nor any third party owner, licensor or supplier of information used or made available
through this website, including market data, quotation information and databases, and including 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 the Qtrade Financial Group 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 the Qtrade Financial Group, each of its member companies, 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.
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Rates and Fees
We strive 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 at
the site may not reflect such changes.
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Foreign Currency Conversions
Trades in currencies other than the currency of the account in which the trade is to settle require currency
conversion. We act as principal when converting currency for such transactions at rates established or
determined by us. We 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.
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Alternative Canadian Marketplaces
There are currently several marketplaces in Canada for the trading of securities. Qtrade Securities Inc.
pursues the execution of each order on the most advantageous terms and as expeditiously as practicable under
prevailing market conditions. Qtrade clients do not need to choose a specific marketplace when entering orders
as any marketable order will be automatically routed to the marketplace that will provide the best execution.
If you would like further detail on Qtrade's policy on trading on multiple marketplaces please contact us at
1.877.787.2330.
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Systems Disclaimer
Each applicable member company of the Qtrade Financial Group endeavours to offer customers an electronic trading
service that is easy to use, reliable, secure, and capable of meeting its customers' trading and 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, a system outage in facilities of a third party service provider (including stock exchanges,
Data providers, and middleware and back office service providers), and market conditions that may result in
general market volatility, volatility affecting a particular security or class of securities, or heavy demand
and high volumes of trading activity. Each of these factors can contribute to delays or errors in service or
system outages. Customers may experience difficulties accessing their accounts and placing and canceling orders.
Trade execution may thereby suffer. Your use of electronic, online, and automated telephone services, software,
systems and facilities made available by the Qtrade Financial Group , including those associated with the name
of any member company of the Qtrade Financial Group, are subject to the following terms and conditions:
i. Systems are not guaranteed: Neither the Qtrade Financial Group,
any of its member companies, third party owners, licensors or suppliers of equipment, software, systems,
services or facilities used or made available in connection with a service offered by the Qtrade Financial Group
(the "Systems") is liable for any representation, warranty or condition, 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 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;
ii. Limit on Liability: The user of the Systems agrees that the
Qtrade Financial Group and its member companies 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.
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Warning Regarding Volatile Markets
In times of market volatility and high trading volumes, including both at market opening and during the trading
day, and including situations of high volume trading of so-called "hot stocks", customers of brokerage services
may experience delays in the execution of their orders for securities. A delay in the processing of a market
order placed through a brokerage service during a period of market volatility or high trading volume may expose
the customer to the risk of trade execution at a market price that is significantly different from the market
price of the security at the time the order was placed. Once an order is placed, it may be difficult or
impossible to cancel the order before the order is executed.
In those circumstances, the Qtrade Financial Group and its member companies bear no responsibility to the
customer for the discrepancy between the market price of the security at the time of order placement and the
market price of the security at the time of trade execution.
To minimize the risk in this situation, customers should consider the advisability of placing limit orders in
lieu of market orders, limiting the price at which the customer's order will be filled. If you place a market
order, the broker is required to execute the order at the earliest opportunity without regard to price at the
time of execution. Limit orders, however, will be executed only at a specified (limit) price or better. While
the market for the security may be such that the customer's limit order does not get filled, this outcome may be
considered more desirable than the risk of a fill at an undesirable price.
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Governing Law
Unless otherwise provided in an agreement with the Qtrade Financial Group or any of its member companies, the
laws of the province of British Columbia and the 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.
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