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TERMS OF USE AND
LEGAL NOTICE

DISCLAIMER

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THIS SITE IS NOT OWNED BY DESJARDINS INSURANCE, NOR BY SFL PLACEMENTS, FINANCIAL SERVICES FIRM. SFL PLACEMENTS HAS CONTROL OVER THE INFORMATION CONTAINED ON THIS SITE THROUGH THE INFORMATION PROVIDED TO IT AS SET OUT IN ITS POLICIES AND PROCEDURES. SFL PLACEMENTS IS NOT RESPONSIBLE FOR THE CONTENT OF THIS SITE THAT IS UNRELATED TO THE PRODUCTS FOR WHICH IT IS REGISTERED AND IS ALSO NOT RESPONSIBLE FOR MONITORING OR SUPERVISING THE OUTSIDE PROFESSIONAL ACTIVITIES OF ITS REPRESENTATIVES.

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MANDATORY DISCLOSURES

The website www.cds-capital.ca is a service of:

  • CDS Capital

  • 974 rue Saint-Louis, office 205, Joliette (Quebec) J6E 3A4

  • Contact CDS Capital at 450 233-0896

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These terms and conditions of use are intended to legally frame the terms of access to the services of the site and their use by the "User." The terms and conditions of use must be accepted by any User wishing to access the site. They constitute the contract between the website www.cds-capital.ca and the User.

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Access to the site by the User implies acceptance of these terms and conditions of use. In the event of non-acceptance of the terms and conditions of use stipulated in this contract, the User must renounce access to the services offered by the site. CDS Capital reserves the right to unilaterally modify the content of these terms and conditions of use at any time.

The site provides the User with free access to the following services:

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  • Informative articles and videos.

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The site is accessible free of charge from anywhere to any User with internet access. All costs incurred by the User to access the service (computer equipment, software, internet connection, etc.) are at their own expense.

The information contained on this site is intended solely for residents of Quebec, Canada.

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TERMS OF USE AND RESPONSIBILITY

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CDS Capital operates the site from its offices located in Canada. CDS Capital makes no representations that elements of the site may be used in locations other than Canada, and it is prohibited to access the site from territories where the legislation would dictate that the content or use of the site is illegal. Those who choose to use the site do so on their own initiative, and it is their responsibility to comply with all applicable local laws. Any claim relating to the site and the elements it contains, or arising from the use of the site, is governed by the applicable laws of the Province of Quebec.

The site does not provide accounting, tax, or legal advice.

 

The content of the site is for informational purposes only and is not intended to replace professional advice obtained directly from a financial security advisor. Always seek advice from your financial advisor after reading information on the site to verify how it may apply to your particular situation.

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You trust any information provided by the site, our employees, guests appearing on the site, or any other visitor to the site at your own risk.

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Hyperlinks and Third-Party References: Numerous outgoing hyperlinks are present on the site; however, the web pages to which these links lead do not engage the responsibility of CDS Capital, which has no control over these links.

The User therefore agrees not to hold the site liable for the content and resources related to these outgoing hyperlinks.

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COMPLAINTS

Summary of the Complaint Handling Procedure:

CDS Capital takes client concerns seriously. When a client has concerns or questions regarding their account, they should promptly contact their representative. Representatives strive to offer a high level of service to their clients and will work in collaboration with them and CDS Capital to address their concerns. For clients who remain unsatisfied, CDS Capital has adopted procedures to fairly and promptly handle verbal and written complaints it receives from its clients. This document is a summary of these procedures, which is provided to new clients and clients who file a complaint. The person responsible for complaints is Charles Stone.

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Client Complaint Information Form.

We also provide new clients and clients who submit a complaint with a document entitled Client Complaint Information Form, which contains general information about the various ways to file a complaint.

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Complaint Handling Procedures.

We acknowledge receipt of complaints as soon as possible, generally within five business days. This summary and the Client Complaint Information Form will be attached to our acknowledgment of receipt. We review all complaints fairly, taking into account all relevant statements and documents obtained from the client, our records, the representative, other individuals in our company, and any other relevant source.

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When our review is complete, we send a response to the clients, which will be delivered in writing. Our response may contain a settlement offer, a rejection of the complaint with supporting reasons, or another appropriate response. Our response will summarize the complaint, state the results of our investigation, and remind the client of the option to contact the Ombudsman for Banking Services and Investments (OBSI). Our response will generally be sent to clients within 90 calendar days unless we are awaiting additional information from them or if the case is novel or highly complex. We will respond to communications sent by clients after the date of our response as necessary to implement the resolution or address any new questions or information they provide.

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How to File a Complaint with CDS Capital

Clients who wish to file a complaint with CDS Capital must submit their complaint to our head office by calling our Customer Service at 450 233-0896 and asking to speak with a Dispute Resolution Advisor, or by writing to 974 rue Saint-Louis, office 205, Joliette (Quebec) J6E 3A4.

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They can also contact a Financial Center Director or their representative. All complaints are forwarded to a competent person in the compliance department or a supervisory officer. We encourage clients to submit their complaints in writing, either by sending a letter or an email, whenever possible. If they have difficulty putting it in writing, they can inform us, and we will assist them in this process.

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For confidentiality reasons, we will only deal with the client or the person expressly authorized by them in writing. For more information or to check the status of your complaint, it is suggested that you contact the person responsible for handling your complaint or the Dispute Resolution Advisor through our Customer Service at 450 233-0896.

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INTELLECTUAL PROPERTY

The trademarks, logos, signs, and any other content of the site are protected by copyright. The User must request prior authorization from the site for any reproduction, publication, or copying of the various contents. The User agrees to use the contents of the site strictly for private purposes. Any use of the contents for commercial purposes is strictly prohibited.

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All content uploaded by the User is their sole responsibility. The User agrees not to upload content that could harm the interests of third parties. Any legal action brought by a third party harmed by the site will be taken over by the User. The User's content may be removed or modified by the site at any time and for any reason. The User does not receive prior justification or notification before the deletion or modification of the User's content.

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Forms and Interactivity:

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Your personal information is collected through forms, including:

  • Contact Us

  • Newsletter Subscription Form

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We use the information collected for the following purposes:

  • Comments

  • Correspondence

  • Log files and cookies

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We collect certain information through log files and cookies. This primarily includes:

  • Operating system

  • Pages visited and requests

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The use of such files allows us to:

  • Statistics

  • Google Analytics

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Right of Objection and Withdrawal:

We are committed to offering you the right to object and withdraw your personal information.

The right of objection is understood as the option offered to internet users to refuse that their personal information be used for certain purposes mentioned during collection.

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The right of withdrawal is understood as the option offered to internet users to request that their personal information no longer appear, for example, on a mailing list.

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To exercise these rights, you can contact us or send your request to:

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Right of Access:

We are committed to recognizing a right of access and rectification for those concerned who wish to consult, modify, or delete information about them.

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This right can be exercised:

  • Address: 974 rue Saint-Louis, office 205, Joliette (Quebec) J6E 3A4

  • Email: charles.stone@sfl.ca

  • Phone: 450 233-0896

  • Website section: Contact Us

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Security:

The personal information we collect is stored in a secure environment. The people working for us are required to respect the confidentiality of your information. To ensure the security of your personal information, we use the following measures:

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  • Access management - authorized person

  • Network monitoring software

  • Computer backup

  • Username / password

  • Firewalls

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We are committed to maintaining a high degree of confidentiality by integrating the latest technological innovations to ensure the confidentiality of your transactions. However, since no mechanism offers maximum security, there is always some risk when using the Internet to transmit personal information.

Legislation:

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We are committed to complying with the legislative provisions regarding the protection of information applicable in Quebec.

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