Legal Disclaimer

The laws of the Province of Ontario and any applicable federal laws of Canada will govern the terms and use of this Website.  The affiliated companies of Independent Planning Group Inc. that are referenced on this Website shall be IPG Insurance Inc., Brigata Capital Management Inc. and Virtuco Technologies Inc. Insurance products and services are offered through IPG Insurance Inc. We are obligated to inform you that the product descriptions and information that follow are intended for informational purposes only and are not to be considered as a solicitation to purchase any security or insurance product. The information contained here-in is not intended, nor should it be relied upon to replace specific professional advice. It is recommended that all visitors to our site consult with their professional advisor prior to making any investment or insurance decision addressed on this site. Information contained on this Website is believed to be accurate and reliable. However, we cannot guarantee that it is accurate, complete or current at all times. The information provided is subject to change without notice and IPG and its affiliate companies cannot be held liable for any loss arising from any use of or reliance on the information contained on this Website.

Mutual funds identified at this site are offered for sale by salespersons who have obtained licensing in one or more of the following Canadian jurisdictions; Ontario, Quebec, Newfoundland, Prince Edward Island, Nova Scotia, New Brunswick, Manitoba, Saskatchewan, Alberta and British Columbia through mutual fund dealer Independent Planning Group Inc. Prospective investors who are not resident in Canada should consult with their financial advisor to determine whether these products and services may be lawfully sold in their jurisdiction. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Important information about any mutual fund is contained in its simplified prospectus. You can obtain a copy from your Independent Planning Group representative or contact our office by calling 1-800-565-9219. Please read it carefully before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. All rates of return are historical compounded rates of return.

As a condition of use of this Website you agree to indemnify IPG, its affiliated companies and its officers, directors and employees for any and all claims, losses, liabilities and expenses, including, but not limited to legal fees, arising from any use of this Website or your violation of the Legal Notices.

Certain names, words, titles, phrases, logos, icons, graphics or designs or other content in the pages of this Website may constitute trade names, registered or unregistered trademarks or service marks (collectively, the “trademarks”) of IPG and its affiliate companies or of third parties and are used under license by IPG and its affiliate companies. However, the display of the trademarks on this Website does not imply that a license has been granted to any third party. All goodwill generated from the use of the trademarks on any Website will endure to IPG and its affiliate’s benefit.

All information on this Website is protected under the copyright laws of Canada and other countries. The information is for your personal, educational and non-commercial use only and may be used and reproduced provided that it is not modified and that you maintain all copyright and other notices contained in the Website. The contents of the Website may not be otherwise used, copied, redistributed, reproduced, republished, stored in any medium, retransmitted, modified or broadcasted, in any form.  Nothing in this document shall be construed as conferring any right or license under any copyright of IPG and its affiliate companies or any other person who owns the copyright in the content provided on our Website. IPG and its affiliate companies will disclaim any and all liability that may result from any unauthorized reproduction or use of the information from this Website. Any unauthorized downloading, retransmission, or other copying or modification of trademarks and/or the contents of this Website may be a violation of any federal or other law that may apply to trademarks and/or copyrights and could subject the violator to legal action.

You acknowledge and agree that IPG and its affiliate companies may restrict, suspend or terminate your access to, and use of all or any part of this Website, including any links to third party websites at any time with or without cause including, without limitation, any breach of the terms of the Legal Notices set out herein, in IPG and its affiliate’s absolute discretion and without prior notice or liability.

SUMMARY OF COMPLAINT HANDLING PROCEDURES:

Independent Planning Group Inc. (IPG) has procedures in place to handle any written or verbal complaints received from clients in a fair and prompt manner. This is a summary of those procedures, which we provide to new clients and to clients who have filed a complaint. The Client Complaint Information Form: We provide new clients and clients who complain with a separate document called the Client Complaint Information Form ("CCIF") that provides general information about their options for making a complaint. How to File a Complaint with Independent Planning Group: Clients wishing to complain to IPG may make their complaint to our head office by contacting the Chief Compliance Officer. All complaints are forwarded to qualified compliance or supervisory personnel to be handled. We encourage clients to make their complaint in writing or by email where possible. Where clients have difficulty putting their complaint in writing, they should advise us so that we can provide assistance. For confidentiality reasons, we will only deal with the client or another individual who has the client's express written authorization to deal with us. Complaint Handling Procedures: We will acknowledge receipt of complaints promptly, generally within five days. We review all complaints fairly, taking into account all relevant documents and statements obtained from the client, from our records, from our licensed representatives and branch managers, from other staff members and any other relevant source. Once our review is complete we provide clients with our response, which will be in writing if the complaint was made in writing. Our response may be an offer to resolve your complaint, a denial of the complaint with reasons or another appropriate response. Where the complaint relates to certain serious allegations, our initial acknowledgement will include copies of this summary and the CCIF. Our response will summarize your complaint, our findings and will contain a reminder about your options with the Ombudsman for Banking Services and Investments. We will generally provide our response within ninety days, unless we are waiting for additional information from you, or the case is novel or very complicated. We will respond to communications you send us after the date of our response to the extent necessary to implement a resolution or to address any new issues or information you provide. Settlements: If we offer you a financial settlement, we may ask you to sign a release and waiver for legal reasons. Contacting Independent Planning Group: Clients may contact us at any time to provide further information or to inquire as to the status of their complaint, by contacting the individual handling their complaint or by contacting: Chief Compliance Officer, Independent Planning Group Inc., 35 Antares Drive, Ottawa, ON. K2E 8B1, Phone-1-800-565-9219, Fax-613-738-2904.

CLIENT COMPLAINT INFORMATION FORM:

Clients of a mutual fund dealer who are not satisfied with a financial product or service have a right to make a complaint and to seek resolution of the problem. MFDA Member dealers have a responsibility to their clients to ensure that all complaints are dealt with fairly and promptly. If you have a complaint, these are some of the steps you can take: 1) Contact your mutual fund dealer. Member firms are responsible to you, the investor, for monitoring the actions of their representatives to ensure that they are in compliance with by-laws, rules and policies governing their activities. The firm will investigate any complaint that you initiate and respond back to you with the results of their investigation within the time period expected of a Member acting diligently in the circumstances, in most cases within three months of receipt of the complaint. It is helpful if your complaint is in writing. 2) Contact the Mutual Fund Dealers Association of Canada ("MFDA"), which is the self-regulatory organization in Canada to which your mutual fund dealer belongs. The MFDA investigates complaints about mutual fund dealers and their representatives, and takes enforcement action where appropriate. You may make a complaint to the MFDA at any time, whether or not you have complained to your mutual fund dealer. The MFDA can be contacted: By completing the on-line complaint form at www.mfda.ca; By telephone in Toronto at (416) 361-6332, or toll free at 1-888-466-6332; By e-mail at complaints@mfda.ca; In writing by mail to 121 King Street West, Suite 1000, Toronto, ON M5H 3T9 or by fax at (416) 361-9073. Compensation: The MFDA does not order compensation or restitution to clients of Members. The MFDA exists to regulate the operations, standards of practice and business conduct of its Members and their representatives with a mandate to enhance investor protection and strengthen public confidence in the Canadian mutual fund industry. If you are seeking compensation, you may consider the following: Ombudsman for Banking Services and Investments ("OBSI"). After the dealer's Compliance Department has responded to your complaint, you may contact OBSI. You may also contact OBSI if the dealer's Compliance Department has not responded within 90 days of the date you complained. OBSI provides an independent and impartial process for the investigation and resolution of complaints about the provision of financial services to clients. OBSI can make a non-binding recommendation that your firm compensate you (up to $350,000) if it determines that you have been treated unfairly, taking into account the criteria of good financial services and business practice, relevant codes of practice or conduct, industry regulation and the law. The OBSI process is free of charge and is confidential. OBSI can be contacted: by telephone in Toronto at (416) 287-2877, or toll free at 1-888-451-4519 or by e-mail at . Legal Assistance: You may consider retaining a lawyer to assist with the complaint. You should be aware that there are legal time limits for taking civil action. A lawyer can advise you of your options and recourses. Once the applicable limitation period expires, you may lose rights to pursue some claims. Manitoba, New Brunswick and Saskatchewan: Securities regulatory authorities in these provinces have the power to, in appropriate cases, order that a person or company that has contravened securities laws in their province pay compensation to a claimant. The claimant is then able to enforce such an order as if it were a judgment of the superior court in that province. For more information, please visit: Manitoba: www.msc.gov.mb.ca New Brunswick: www.nbsc-cvmnb.ca Saskatchewan: www.sfsc.gov.sk.ca Québec: The Autorité des marchés financiers ("AMF") pays indemnities to victims of fraud, fraudulent tactics or embezzlement where those responsible are individuals or firms authorized to practice under the legislation governing the provision of financial services in Quebec. It also rules on the eligibility of claims and sets the amount of the indemnities to be paid to victims. Consumers can thus be compensated to a maximum of $200,000 per claim, through funds accumulated in a financial services compensation fund. For more information, please visit www.lautorite.qc.ca.