Ladouceur et Associés. Planification financière et services financiers

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Website privacy policy

Your privacy is of utmost importance to Ladouceur Financial Group Inc. and associates. Any personal information that you provide to us through, or on, our websites will be governed by this privacy policy (the "Policy"). Therefore, it is important that you read and understand this Policy prior to providing any personal information about yourself.

Ladouceur Financial Group Inc. and associates. has established policies and procedures to comply with this Policy in accordance with respective provincial and federal privacy legislation, and has designated one or more persons accountable for compliance to it.

Personal Information Defined
Personal information is information that distinctively refers to you, such as your name, address, birth date, gender, marital status, financial information etc.

We collect, use and disclose personal information supplied by you for yourself and for our respective related companies and business partners (lists available on request) in order (a) to provide you with products, (b) to provide services, (c) to initiate, maintain and develop our relationship with you.

Collection of Personal Information
Within our website, you may be asked to provide personal information about yourself. Ladouceur Financial Group Inc. and associates. will collect personal information only when you voluntarily provide it. Be assured that the personal information you provide remains strictly confidential and will be used or disclosed only for the purposes for which it was collected and will not be used or disclosed for any other reason unless you have given us consent to do so.

Ladouceur Financial Group Inc. and associates. will not knowingly encourage children under the age of 18 to register at its website.

Sharing of Information
The information that you provide to us will only be used by Ladouceur Financial Group Inc. and associates. and our respective related and/or affiliated companies and business partners (list available upon request). It will assist us in providing products and services to you that will benefit you as a valued customer

"Cookies"
When a user interacts with our website, "session cookies" are used to collect information anonymously and to track user patterns. They do not permanently record data and are only available during an active session, therefore, once a session is terminated; the session cookie disappears. A session cookie is a small text file which contains a unique identification number that identifies your browser, not you personally, to our computer each time you visit our website. A session cookie can tell us which pages were visited and how often. We use this anonymous information in an effort to improve our website's usefulness to you – primarily for technical reasons, such as providing seamless navigation. If you do not want your browser to accept cookies, you can reset your browser either to notify you when you have received a cookie, or to refuse to accept them altogether. However, if you refuse to accept cookies, you may not be able to use some of the features available on our websites such as personalization features.

Retention of Personal Information
Ladouceur Financial Group Inc. and associates. will retain your personal information for as long as necessary to fulfill the purpose for which it was collected and to comply with applicable laws.

Security
At Ladouceur Financial Group Inc. and associates. we are committed to protecting the personal information in our possession. A number of security measures are used by Ladouceur Financial Group Inc. and associates. to maintain the safety of your personal information. We have implemented security measures which include the use of: physical secure data centres and premises; internal security policies and procedures; defined internal segregation of duties; and electronic access controls such as passwords and encryption technology.

Policy
Financial Decisions. As with all financial matters, you should exercise great care in using the information provided on this website or available through links from this website. You should research the facts and opinions contained in this information, including speaking to your Ladouceur Financial Group Inc. and associates. professional, before making any financial decisions. The information provided on this website is provided to you for information purposes only and does not constitute an offer to sell or buy any product that may be referenced or described on this website. Account information available on this website is not the official record of your account. Nothing on this website should be construed as rendering tax, legal, investment, or accounting advice. The posting of any prospectus or any other information on this website should not be interpreted as a recommendation or opinion that you should make any purchase or sale or participate in any transaction.

Ownership and Use of Content. All of the information and content on this website, including but not limited to all text, graphics, software applications, video and audio files and photos ("Content") is owned or licensed by Ladouceur Financial Group Inc. and associates., and is protected by worldwide copyright laws and treaty provisions, unless otherwise indicated. You may make and use printouts of the Content for your personal, non-commercial use only, provided that the printouts retain all copyright, trademark and other proprietary notices. The use of the Content on any other website or in a networked computer environment for any purpose, or any other republication or redistribution of the Content, including, without limitation, framing the Content within another website, is expressly prohibited without the prior written permission of by Ladouceur Financial Group Inc. and associates.

Security. For your protection, by Ladouceur Financial Group Inc. and associates., requires the use of encryption technologies for certain types of communications conducted through this website. While we provide those technologies and use other reasonable precautions to protect confidential information and provide suitable security, we do not guarantee or warrant that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception or error. In connection with your use of this website, you will establish or otherwise receive from Ladouceur Financial Group Inc. and associates. User IDs, Passwords and other security codes ("User Codes") that you will need in order to access and use certain portions of this website. You are responsible for maintaining the confidentiality of your User Codes. You agree that you will be fully responsible for all activities that occur utilizing your User Codes, and that Ladouceur Financial Group Inc. and associates. is not under any duty to inquire as to the authority or propriety of any instructions given to Ladouceur Financial Group Inc. and associates. via your User Codes or to otherwise verify the identity of anyone using your User Codes. You agree that Ladouceur Financial Group Inc. and associates. shall not be responsible for damages or losses resulting from any breach of security caused by your failure to maintain the confidentiality of your User Codes. If you permit access to your User Codes by third parties, then you agree to defend, indemnify and hold Ladouceur Financial Group Inc. and associates. harmless against any liability, losses, damages or costs and expenses (including attorneys' fees) arising out of, or resulting from, such access and related use of the website. Ladouceur Financial Group Inc. and associates. reserves the right to block access to the website for any reason. You also agree to immediately notify Ladouceur Financial Group Inc. and associates. if you:

Become aware of any loss or theft of your User Codes
or Become aware of any unauthorized use of your User Codes.
Finally you acknowledge and agree that you will not: (i) collect or store personal

data about other users of this website, or (ii) upload, e-mail or otherwise transmit any material that contains viruses or any other computer code, files or programs that might interrupt, limit or interfere with the functionality of any computer software, hardware, database or file, or communications equipment that is owned, leased or used by Ladouceur Financial Group Inc. and associates.

Hyperlinks. From time to time, as a convenience for you, we may provide links to third party websites, or permit third parties to link to this website. Links to or from a third party site, whether provided by Ladouceur Financial Group Inc. and associates. or not, do not imply any affiliation between Ladouceur Financial Group Inc. and associates. and the site owner, or an endorsement, approval, or verification by Ladouceur Financial Group Inc. and associates. of any content available on such third party sites. We do not periodically review these third party sites and we are not responsible or liable for the accuracy or completeness of the content on any such third party sites. By providing access to other websites, Ladouceur Financial Group Inc. and associates. is not recommending the purchase or sale of products or services provided by the sponsoring organization of any linked site. Subject to the terms of applicable service or other agreements, we will remove any link from this website upon request from the owner of the linked site.

Terms and Conditions THE FOLLOWING TERMS AND CONDITIONS GOVERN YOUR USE OF THIS WEBSITE (www.ladouceurassocies.com). YOUR USE OF THIS WEBSITE CONSTITUTES YOUR ACCEPTANCE OF THESE TERMS AND CONDITIONS.

This website presents information and content that is owned or licensed by Ladouceur Financial Group Inc. and associates. and its subsidiaries and affiliates ("Ladouceur & Associés et Services Financiers Ladouceur & Associés"). When used in these Terms and Conditions, "we" and "our" mean Ladouceur Financial Group Inc. and associates.

E-Mail. Certain portions of this website may offer you the ability to e-mail a message to Ladouceur Financial Group Inc. and associates. E-mail functionality, if any, is provided to you to facilitate communications between you and Ladouceur Financial Group Inc. and associates. You agree, however, that you will not use e-mail to request, authorize or effect the purchase or sale of any securities or other product or service, to change your address or other account information, to change your User Codes, to transmit personal credit information (including credit card numbers), to send fund transfer instructions, or for any other financial transactions that require formal authorization in accordance with applicable law or Ladouceur Financial Group Inc. and associates. policies and procedures. Any such requests, orders, or instructions that you send to Ladouceur Financial Group Inc. and associates. by e-mail will not be accepted or processed by Ladouceur Financial Group Inc. and associates. We shall have no liability for any loss or damage that arises from unaccepted e-mail requests, orders or instructions. Moreover, Ladouceur Financial Group Inc. and associates. shall have no liability for any loss or damage that result from interception and/or unauthorized use by third parties of any information you send by e-mail. For information regarding Ladouceur Financial Group Inc. and associates. use of your e-mail address, please review our Internet Privacy Policy.

NO WARRANTY. WE WILL MAKE EVERY REASONABLE EFFORT TO INCLUDE ACCURATE AND UP TO DATE CONTENT ON THIS WEBSITE. HOWEVER, THE CONTENT ON THIS WEBSITE (INCLUDING ANY GRAPHICS) AND ANY MATERIALS MADE AVAILABLE THROUGH THIS WEBSITE ARE SUBJECT TO APPLICABLE STATUTES AND REGULATIONS, AND ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, Ladouceur Financial Group Inc. and associates. DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. Ladouceur Financial Group Inc. and associates. DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE CONTENT ON THIS WEBSITE IN TERMS OF ITS CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. THE CONTENT ON THIS WEBSITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. THIS CONTENT COULD BECOME INACCURATE AS A RESULT OF DEVELOPMENTS OCCURRING AFTER PUBLICATION. Ladouceur Financial Group Inc. and associates. UNDERTAKES NO OBLIGATION TO KEEP ANY SUCH INFORMATION CURRENT. Ladouceur Financial Group Inc. and associates. ENDEAVORS TO MAINTAIN THIS WEBSITE AND ITS OPERATION, BUT IS NOT, AND CANNOT BE, RESPONSIBLE FOR THE RESULTS OF ANY DEFECTS THAT MAY EXIST IN THIS WEBSITE OR ITS OPERATION. AS TO THE OPERATION OF THIS WEBSITE, Ladouceur Financial Group Inc. and associates. EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. Ladouceur Financial Group Inc. and associates. MAKES NO WARRANTY THAT (i) THE OPERATION OF THIS WEBSITE WILL MEET THE USER'S REQUIREMENTS; (ii) ACCESS TO THIS WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR FREE OF ERRORS; (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS WEBSITE WILL BE ACCURATE OR RELIABLE; OR (iv) DEFECTS WILL BE CORRECTED. YOU (AND NOT Ladouceur Financial Group Inc. and associates.) ASSUME THE ENTIRE COST OF ALL SERVICING, REPAIR, OR CORRECTION THAT MAY BE NECESSARY FOR YOUR COMPUTER EQUIPMENT AND SOFTWARE AS A RESULT OF ANY VIRUSES, ERRORS OR OTHER PROBLEMS YOU MAY HAVE AS A RESULT OF VISITING THIS WEBSITE. TO THE EXTENT THAT THE LAW DOES NOT PERMIT THE DISCLAIMER OF WARRANTIES, ALL CONTENT ACCESSIBLE ON THIS WEBSITE, OR ANY OTHER WEBSITE TO WHICH WE LINK, AND ALL OPERATIONS ON THIS WEBSITE ARE WARRANTED ONLY TO THE MINIMUM AMOUNT LEGALLY REQUIRED. NO LIABILITY. . IN USING THIS WEBSITE, YOU SPECIFICALLY AGREE THAT YOU WILL NOT HOLD Ladouceur Financial Group Inc. and associates. LIABLE TO YOU OR ANY PARTY FOR ANY DAMAGES OR INJURY OR LOSS, INCLUDING ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL PUNITIVE DAMAGES, OR LOST PROFITS, THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE MATERIALS ON THIS SITE (OR ANY OTHER LINKED WEBSITE), WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF INFORMATION AVAILABLE ON THIS WEBSITE (OR ANY OTHER LINKED WEBSITE). Ladouceur Financial Group Inc. and associates. SHALL NOT BE LIABLE EVEN IF Ladouceur Financial Group Inc. and associates. OR AN Ladouceur Financial Group Inc. and associates. AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THESE INCLUDE BUT ARE NOT LIMITED TO DAMAGES OR INJURY CAUSED BY ERROR, OMISSION, INTERRUPTION, DEFECT, FAILURE OF PERFORMANCE, DELAY IN OPERATION OR TRANSMISSION, LINE FAILURE, COMPUTER VIRUS OR OTHER HARMFUL COMPONENT. THESE LIMITATIONS ON Ladouceur Financial Group Inc. and associates. LIABILITY MAY BE DIFFERENT IN CONNECTION WITH PARTICULAR PRODUCTS OR SERVICES THAT ARE OFFERED.