RSSDisclaimers
Disclaimers
Chris Mossing Legal Disclaimer
This website, its design and content is the exclusive property of Chris Mossing. All rights reserved. Unauthorized reproduction, use or representation of this website, in part or in whole is expressly forbidden.
All images are copyright their original owners and are used under the licenses applied.
Performance Financial Services Inc. is a registered corporation within the province of Saskatchewan, Canada.
Chris Mossing reserves the right to add, modify or remove any content at any time. For confirmation of pricing, special offers or other business-related issues, please contact Chris Mossing directly.
Desjardins Financial Security Disclaimers
Website/Canadian Residency Disclaimer
The information contained herein is for Canadian residents only and does not constitute an offer to sell or a solicitation in any foreign jurisdiction, or in any Canadian jurisdiction where CHRIS MOSSING is not qualified to effect sales. This website is not meant to provide legal or account advice. As each situation is different you should consult your own professional advisor for advice based on your specific circumstances.
Dual-Branding Disclaimer
Desjardins Financial Security is registered as a Mutual Fund Dealer with the Provincial Securities Commissions and as such our Associates are entitled to sell mutual funds and other approved securities as permitted under our registration. They may also be able to provide other services or products to you through their own business. As a member of the Mutual Fund Dealers Association of Canada (”MFDA”), Desjardins Financial Security is obligated to disclose to you that you may be dealing with companies other than Desjardins Financial Security when purchasing services or products from your Associate (remuneration to your Associate may also come from various sources depending on the services or products purchased). For example, your Associate may offer any one or more of the following through a separate business, which would not be the responsibility of Desjardins Financial Security:
* Deposit Instruments: GICs, Canada Savings Bonds;
* Fee for Service Financial Planning;
* Estate Planning;
* Tax Planning or Income Tax Preparation;
* Insurance: Life, Accident, Sickness, Disability, General.
Links Disclaimer
CHRIS MOSSING and DESJARDINS FINANCIAL SECURITY (DFS) do not make any representation that the information in any linked site is accurate and will not accept any responsibility or liability for any inaccuracies in the information not maintained by them, such as linked sites. Any opinion or advice expressed in a linked site should not be construed as the opinion or advice of CHRIS MOSSING or DFS. The information in this communication is subject to change without notice.
Borrowed Money (& Leverage) Disclaimer
Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchases declines.
Mutual Funds Disclaimer
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.
Insurance Disclaimer
Insurance products and services are offered through Performance Financial Services Inc. by Advisors licensed as life agents.
Segregated Funds Disclaimer
Subject to any applicable death and maturity guarantee, any part of the premium or other amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value according to fluctuations in the market value of the assets in the segregated fund.
Chris Mossing Privacy Policy
Chris Mossing is bound by PIPEDA and requires consent where the personal information it collects, uses, discloses and retains is used in the course of its commercial activities. The information Chris Mossing collects, uses, discloses and retains for Regulatory purposes does not require consent.
The following are the 10 principles with which Chris Mossing is required to comply with respect to personal information:
1. ACCOUNTABILITY
Chris Mossing is responsible for personal information under its control and shall designate one or more administrative members who are accountable for Chris Mossing compliance. The identity of the staff members shall be made known by Chris Mossing upon request.
Policy:
* General questions and comments related to PIPEDA , ChrisMossing.com’s compliance with the legislation, as well as, that of individual business-related practices should be forwarded to Owner, Chris Mossing at Chris@ChrisMossing.com. Concerns related to ChrisMossing.com’s Compliance with the legislation, including the collection, use, retention and destruction of personal information held by ChrisMossing.com should be also be forwarded to ChrisMossing.com Manager, Chris Mossing at Chris@ChrisMossing.com
2. IDENTIFYING PURPOSES
The purpose for which personal information is collected, used and disclosed by ChrisMossing.com in the course of its commercial activities is as follows:
Policy:
* Personal information collected, used and disclosed by ChrisMossing.com in the course of its commercial activities is outlined above.
Procedure:
* A Consent Form, setting out the use of the personal information by ChrisMossing.com in the course of its commercial activities, will be sent providing an opportunity to accept or deny its use. Any individual may subsequently amend his/her consent in writing.
3. CONSENT
The knowledge and consent of the individual is required for the collection, use, disclosure or retention of personal information in the course of ChrisMossing.com commercial activities except where inappropriate. The form of the consent sought by ChrisMossing.com may vary depending on the circumstances and the type of information and the reasonable expectations of the individual. Given the nature of the personal information it is reasonable to infer that an individual has given implied consent for the collection, use, disclosure or retention of personal information necessary for the identified purposes until the individual has returned the above noted Consent Form to ChrisMossing.com An express consent with check off boxes allowing an individual to request that contact information not be given to other organizations which may use it for commercial activities will be included in the Consent Form. ChrisMossing.com may collect, use and disclose personal information in the course of its commercial activities without the knowledge or consent of the individual if the collection, use or disclosure is clearly in the interest of the individual and the consent cannot be obtained in a timely manner or if it is reasonable to expect that the collection, use or disclosure with the knowledge or consent of the individual would compromise the availability or the accuracy of the information as more particularly set out in the PIPEDA .
An individual may withdraw his/her consent at any time upon reasonable notice subject to legal or contractual restrictions.
The only commercial entities to whom ChrisMossing.com will divulge any personal information gathered in the course of its commercial activities are affiliate associations including but not limited to Better Business Bureau. Requests by such commercial entities will be addressed individually and evaluated by ChrisMossing.com manager(s). ChrisMossing.com reserves the right to refuse personal player information to any organization who is deemed non-compliant with PIPEDA .
Policy:
* Personal information collected, used, disclosed and retained by ChrisMossing.com in the course of its commercial activities is identified in the Consent Form. ChrisMossing.com will obtain written consent from all members to collect, use, disclose and retain his/her personal information in the course of its commercial activities.
* Any clients that are on ChrisMossing.com will give prior consent in writing.
4. LIMITING COLLECTION
The collection, use and disclosure of personal information in the course of its commercial activities shall be limited to that which is necessary for the purposes identified by ChrisMossing.com. Information shall be collected by fair and lawful means.
Policy:
* All personal information collected, used and disclosed by ChrisMossing.com in the course of its commercial activities is obtained from individual Consent Forms.
Procedure:
* Collect, use and disclose personal information in the course of its commercial activities from Consent Forms.
5. LIMITING USE, DISCLOSURE AND RETENTION
Policy:
* Personal information collected, used or disclosed by ChrisMossing.com in the course of its commercial activities shall not be used or disclosed for purposes other than those for which it was collected except with the consent of the individual or as required by law. Personal information shall be retained only as long as necessary for the fulfillment of those purposes.
* Nettwo may disclose personal information collected in the course of its commercial activities without the knowledge or consent of the individual if the disclosure is to a lawyer who represents ChrisMossing.com or for the purposes of collecting a debt owed by the individual to ChrisMossing.com or where such is required to comply with a subpoena or an Order of the Court or a person or body with jurisdiction to compel the production of information or where a request has been made by an investigative body and the disclosure is reasonable for purposes related to investigating a breach of an agreement or contravention of the Laws of Canada or a Province or are required by law.
Procedure:
* Only personal information collected from the Consent Form may be provided to those organizations identified on the Consent Form.
6. ACCURACY
Personal information collected, used or disclosed by ChrisMossing.com in the course of its commercial activities shall be as accurate, complete and up to date as is necessary for the purpose for which it is to be used.
Policy:
* ChrisMossing.com endeavors to maintain accurate and up-to-date records, however, the onus is on the individual to advise ChrisMossing.com, in writing, with respect to any change in particulars.
Procedure:
* Changes to all information submitted in Consent Forms will only be accepted in writing.
7. SAFEGUARDS
Policy:
* Personal information collected, used and disclosed by ChrisMossing.com in the course of its commercial activities shall be protected by security safeguards appropriate for the sensitivity of the information.
Procedure:
* ChrisMossing.com’s database is password protected using standard encryption means.
* Access to the physical storage medium used is limited to those with access to the building in which the ChrisMossing.com server is housed; currently two people.
8. OPENNESS
ChrisMossing.com shall make readily available to individuals specific information about its policy of practices relating to the management of personal information collected, used and disclosed in the course of its commercial activities. An individual may contact the designated staff member to obtain further information.
Policy:
* An individual may request access to his/her personal information collected, used or disclosed by ChrisMossing.com in the course of its commercial activities (Consent Form).
Procedure:
* Written request to the staff member responsible for ChrisMossing.com’s compliance with the PIPEDA.
9. INDIVIDUAL ACCESS
Upon request, an individual shall be informed of the existence, use and disclosure of his/her personal information collected, used or disclosed by ChrisMossing.com in the course of its commercial activities and shall be given access to that information. An individual shall be able to challenge the accuracy and completeness of the information and have it amended as appropriate.
Policy:
* An individual may request access to his/her personal information collected, used or disclosed by ChrisMossing.com in the course of its commercial activities (Consent Form).
Procedure:
* Request to access personal information collected, used or disclosed on the Consent Form must be received in writing, including the date and time when he/she would like to view the Consent Form.
* Staff member accountable for ChrisMossing.com’s compliance with the PIPEDA will remove that Consent Form from the binder for review by the individual.
* Changes to information contained on the Consent Form will be made by the individual in writing, signed and dated.
10. CHALLENGING COMPLIANCE
An individual shall be able to address a challenge concerning compliance with the above 9 principles with the designated administrative member accountable for ChrisMossing.com’s compliance.
Policy:
* Complaints may be made to ChrisMossing.com designated staff member accountable for ChrisMossing.com’s compliance with the PIPEDA in addition to the Federal Privacy Commission.
Procedure:
* Complaint must be made in writing and should be addressed to the designated staff member accountable for ensuring ChrisMossing.com’s compliance with the PIPEDA .
* The staff member accountable for ChrisMossing.com’s compliance with the PIPEDA , in consultation with the Executive Director, will address the matter and issue a response to the individual within 30 days of receipt of the complaint.
To contact the ChrisMossing.com Privacy Officer, please use the following email address: Chris@ChrisMossing.com