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Website Terms & Conditions

By accessing the Concentra Financial web site, you are deemed to have agreed to be bound by the terms and conditions described in this passage and any further limitations that may be cited on any specific page. If you do not agree with these terms and conditions, please exit this web site. Please contact our Communications & Creative Services department if you have any questions or concerns about the use of our web site.

Please note that Concentra Financial Services Association (“Concentra Financial”), and its wholly owned subsidiary Concentra Trust, are governed by the terms and conditions stated in this document and the use of the term Concentra Financial herein refers to both companies.


Disclaimer

Concentra Financial provides the web site and information contained therein without making any express or implied warranties, representations or endorsements. The information, material and content provided in the pages of the web site, including pricing information, is believed to be reliable when posted, but there is no guarantee that it is accurate, complete or current at all times. Concentra Financial and its officers, directors, employees and agents have no obligation to update the information and are not liable for any failure to update information on the web site. The information on the web site may be changed, withdrawn or terminated at any time without notice.

Concentra Financial is not liable to any party for any direct, indirect, special or other consequential damages that may arise by use of this web site or any web site hyperlinked to it. This waiver includes, but is not limited to, any lost profits, business interruption, loss of programs or other data on your information handling system or otherwise, even if we are expressly advised of the possibility of such damages.

The documents and information available on this web site are provided as a service only and are not necessarily the official versions of the company’s legal disclosure documents. Internet software or transmission problems can produce inaccurate or incomplete copies of various documents when downloaded and displayed on your computer and reference should be made to the official version of such documents.

Please be advised that the information and documents available on the Concentra Financial web site are not intended to provide specific legal, accounting, financial or tax advice to you; you should not act or rely upon such information contained in this web site without seeking the advice of a professional who can determine the proper course of action in your own circumstances.


Copyright and Trademarks

Except where stated otherwise, Concentra Financial owns all intellectual property appearing on this web site, including all copyright material, images, trademarks and corporate logos. The information contained on this web site is intended for your personal use and may not be reproduced, published or distributed, in whole or in part, without express written consent of Concentra Financial. Any unauthorized downloading, re-transmission or other copying or modification of the trademarked and/or copyrighted content of this web site may be a violation of federal or other laws.


External Links

Concentra Financial makes no representations whatsoever about any other web site you may access through this site; those links are provided for convenience only. Concentra Financial is not responsible for the content of any external web site hyperlinked to this site. Please note that the use of a hyperlink does not imply that Concentra Financial endorses or accepts any responsibility for the content or the use of such web site. You are advised to take precautions to ensure that your use of such web sites is protected against viruses, worms, Trojan horses or other items of a destructive nature; it is your responsibility to ensure that you employ the use of an anti-virus or other protective software on your computer to provide proper security.

When entering another web site linked to this site, you may find that it has its own privacy policy or statement; you should review this statement carefully before proceeding into the web site. Concentra Financial is not liable to any party for any direct, indirect, special or other consequential damages that may arise by use of any web site hyperlinked to it.

Although Concentra Financial does not employ the use of “cookies” to collect personal information, this web site may use cookies to monitor and improve operations and functionality. Please review the potential use of cookies in any external web sites linked to this site as Concentra Financial does not guarantee that cookies will not be employed to collect and store personal or financial information on these external web sites. Cookies are widely used and most web browsers are configured to accept cookies automatically. If you prefer not to accept cookies, you may configure your browser to refuse cookies automatically; please refer to your browser’s documentation or online help for instructions. Refusing to accept cookies may, on some sites, impair your browser’s ability to display content or provide certain functionality.


Use of Information

Aside from our secure web applications and/or our bulk email service, Concentra Financial does not solicit information of a confidential or proprietary nature from you through this web site. General feedback you send through this site will be deemed to be not confidential. By sending Concentra Financial such information or material through this web site, you are granting Concentra Financial an unrestricted, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute those materials or information and you agree that Concentra Financial is free to use any ideas concepts or techniques that you send us for any purpose.

If you would like to forward confidential information to Concentra Financial, please call our office or send information via facsimile; your direct interactions with our office will be kept in confidence.

In various places on our site, you may sign-up to receive correspondence from us via bulk email. We promise not to sell or otherwise disclose your email address to others when supplied to us in this manner. At any time, you are free to unsubscribe from any bulk email service that you have joined.

Web-based applications on (or otherwise affiliated with) the Concentra Financial site allow the transfer of confidential information in a secure manner. For more information, please refer to the Online Security section below.


Local Laws

It is important to note that not all of the products and services contained in this web site are available in all jurisdictions outside Canada. For information specific to any jurisdiction outside Canada, please contact our office.


Updates to Confidentiality and Privacy Statement

Any changes to our Privacy and Confidentiality Statement may be updated without notice by updating the posting on our web site. We may add, modify or remove portions of the policy when it is required or appropriate to do so. You agree to review our Confidentiality and Privacy Statement regularly and your continued access to the Concentra Financial web site will mean that you agree to these changes.


National “Do Not Call” List

On September 30, 2008, the Canadian Radio-television and Telecommunications Commission (CRTC) implemented a National Do Not Call List. The financial services industry has long supported the introduction of a national Do Not Call List and our participation in this program is an extension of our commitment to the public. Our organization may use telemarketing to inform the public of our products and services, but we also respect the wishes of people who do not want to receive such calls and have registered with the national list. Please call 1-866-580-3625 or visit www.lnnte-dncl.gc.ca/index-eng for further information or to register your cellular or home telephone numbers with the national registry. Please note that the National Do Not Call List does not apply in situations where companies contact their existing clients for marketing, operational or other purposes; if you are an existing client, you will need to notify our office directly if you do not wish to receive these calls.


Online Security

As a financial institution, Concentra Financial understands first-hand the paramount importance of preserving data integrity and confidentiality; we employ industry-accepted standards in our web applications to preserve the security of information transferred to us through these channels. These measures include, but are not necessarily limited to, 128-bit secure socket layer encryption, security certificates, user authentication and web sessions.