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Privacy and Terms of Use

This website is owned and operated by Lester Asset Management Inc. for your personal non-commercial use and information. Your use of this website is subject to the following terms and all applicable laws. By accessing and browsing this website, you accept, without limitation or qualification, these terms. If you do not agree with any of the terms, please do not use this website.

These terms and conditions of use are in addition to the terms of any other agreement between you and Lester Asset Management. “Lester Asset Management” as used in these terms and conditions of use means Lester Asset Management together with its affiliates and associates.

Exclusion of Warranties

Lester Asset Management makes no representation or warranty regarding the functionality or condition of this website, its suitability for use, or that its use will be uninterrupted or error-free. ALL MATERIAL OR INFORMATION ON THIS WEBSITE IS PROVIDED TO YOU "AS IS" WITHOUT WARRANTIES OF ANY KIND. LESTER ASSET MANAGEMENT DISCLAIM ALL WARRANTIES OR CONDITIONS, WRITTEN OR ORAL, STATUTORY, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OR CONDITIONS OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. These exclusions are in addition to any specific exclusions otherwise provided in these terms and conditions. To the extent that the jurisdiction to which you are subject does not allow exclusion of certain warranties, such exclusions which are not permitted do not apply.

Limitation of Liability

LESTER ASSET MANAGEMENT WILL NOT BE LIABLE FOR ANY DAMAGES, EITHER DIRECT OR INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL, FOR USE OF OR INABILITY TO USE MATERIAL, PRODUCTS OR SERVICES OF ANY KIND, DELAY OF OR PARTIAL DELIVERY, TERMINATION OF RIGHTS OR LOSS OF PROFITS, DATA, BUSINESS OR GOODWILL, WHETHER ON A CONTRACTUAL OR EXTRACONTRACTUAL BASIS, OR TO PROVIDE INDEMNIFICATION OR ANY OTHER REMEDY TO YOU OR ANY THIRD PARTY. This limitation of liability will not apply to claims relating to death or personal injury. Your sole and exclusive remedy is to discontinue using and accessing this website. To the extent that the jurisdiction to which you are subject does not allow any part of such limitation, such part does not apply.

Securities Disclaimer

Lester Asset Management maintains securities licenses in Canada in the following jurisdictions: British Columbia,  Ontario and Quebec. This website does not constitute an offer or solicitation to residents of the US or the UK, or to anyone in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such a solicitation. The content of the Web pages of the Lester Asset Management Site are for information purposes only unless there is a specific indication to the contrary. The content does not constitute an offer to sell or purchase goods or services by or from Lester Asset Management or any of its affiliates or authorised third parties. The goods and services of Lester Asset Management are only available to Canadian resident residing in provinces where they can be legally offered. These goods and services are subject to the conditions defined in each individual applicable agreement. The content of these Web pages are the exclusive property of Lester Asset Management and cannot be reproduced in whole or in part without the express consent of Lester Asset Management except for your personal use.

Ownership and Confidentiality

Material on this website, including but not limited to text, images, illustrations, software, audio clips and video clips, is owned or otherwise provided by Lester Asset Management, and Lester Asset Management does not represent or warrant that such material does not infringe the rights of any other person or entity. You acknowledge that information or material which you provide electronically through your access to or usage of this website is not confidential or proprietary, except as may be required under applicable law, and acknowledge that unprotected e-mail communication over the Internet is subject to possible interception, alteration or loss. You also warrant that any information or material including ideas, concepts, know-how or techniques contained in this information which you provide to Lester Asset Management electronically through your access to or usage of this website does not infringe the rights of any person or entity, and acknowledge that such information or material including ideas, concepts, know-how or techniques in this information may be used in whole or in part in any manner by Lester Asset Management including, but not limited to, reproduction, retransmission, publication of such information or material for the commercial purposes of Lester Asset Management or disclosure of your identity. Trademarks, logos and service marks (collectively, "Marks") displayed on this website are registered or unregistered Marks of Lester Asset Management or others, are the property of their respective owners, and may not be used without written permission of Lester Asset Management or of the owner of such Marks respectively. Any information or material contained on this website which may be reproduced pursuant to these terms must bear the proprietary rights notices which originally appear on or in conjunction with such information or material.

User Submission

Lester Asset Management will accept or consider unsolicited ideas. If you do submit such to us, we will consider any feedback, comment, information, suggestions, ideas or materials you submit through or in connection with this website (an "idea") non-confidential. By providing such ideas to us, you hereby agree that we shall have, at no charge, a non-exclusive, transferable, royalty free, worldwide right and license to copy, use, make derivative words of, display and distribute any copyrights and other intellectual property rights in and to, or based upon, the ideas. We shall agree to use and/or disseminate such ideas on an unrestricted basis for any purpose. You acknowledge that you are responsible for the ideas that you provide, and that you, not Lester Asset Management, have full responsibility for the ideas, including their legality and copyright.

Forward Looking Statements

Certain statements contained in the Site may contain forward looking statements. These statements consist of views respecting future events or conditions, such as economic or market conditions or company performance, based on assumptions which may cause actual results to differ materially from those expressed by the forward looking statement. As a result, these statements would typically include words such as “anticipates, believes, intended or estimated". Factors which could cause such differences are numerous and could include economic, market and political conditions, regulation and changes in legislation, competition, demographics and technological change. Lester Asset Management disclaims any intention or obligation to update or revise any forward looking statements, whether as a result of new information, future developments or otherwise.

Cookies

A cookie is a piece of data, typically encoded information about how and when you use a site and that a Web server creates when you visit a website. This data is placed on your computer hard drive in the form of a small text file.

There are two types of cookies: session cookies and persistent cookies. Session cookies are used only for the length of time you stay on the website. When you leave the site, they expire and are no longer active. Persistent cookies are more permanent and can be re-read when you return to the site that placed them on your computer. We use persistent cookies to identify previous visits to a new section of the website so that you are not required to view redirect information on subsequent visits.

The Lester Asset Management website uses cookies to enable us to better serve you. You must enable cookies for this section of the website to function correctly. Lester Asset Management does not use cookies to track any personal information about you, nor to collect any marketing data.
We do not and will not use cookies to retrieve data from your hard drive or to obtain your e-mail address or other personal information.

You may choose not to accept cookies by setting your browser options to inform you when cookies are being sent. Alternately, you can set these options to deny cookies altogether. Please note, however, that by not accepting cookies you may limit the functionality that we can provide to you when you visit our site.

Links

Links and references to other websites are provided to you as a convenience only. Lester Asset Management has not reviewed and does not expressly or impliedly endorse other websites or any information or material, or the accessibility thereof, via such links, and does not assume any responsibility for any such other websites, information or material posted thereon, or products or services offered thereon. You may not create links from other websites to this website, except if expressly permitted by Lester Asset Management. (To obtain permission, contact our webmaster.

Accuracy of Information

While Lester Asset Management tries to update the information or materials on this website as often as possible, no assurance is given that information or material on this website is up-to-date, accurate, error-free or complete.

Viruses

Lester Asset Management does not represent or warrant that the information or materials, accessed from or through this website will be uninterrupted or free of errors, defects, viruses or other harmful components, or that any such problems which are discovered will be corrected.

Damage to Others

You agree not to introduce into or through this website any information or materials which may be harmful to others. Among other things, you agree not to include, knowingly or otherwise, any error or defect in material or information which may, among other things, be a libel, slander, defamation or obscenity, or promote hatred or otherwise give rise to a criminal offence or civil liability on the part of any person or entity.

Reserve of Rights

All rights not expressly granted in these terms are reserved to Lester Asset Management. Nothing contained in these terms shall be construed as conferring by implication, estoppel or otherwise any license or right under any copyright, patent, trademark or other intellectual right of Lester Asset Management or any other person or entity.

Governing Law

This site is controlled and operated by Lester Asset Management from Montreal, Quebec and these terms shall be governed by the laws of Quebec and the applicable laws of Canada without reference to principles of conflict of laws. You agree to be bound by such laws and to submit to the jurisdiction of the courts of Quebec in connection with the interpretation or application of these terms.

Changes to Terms

Lester Asset Management may modify, alter or otherwise update the terms applicable to this website from time to time without notice, and you agree to be bound by such terms as are in effect at the time at which you access Lester Asset Management website.

Jurisdiction

This website is controlled and operated by Lester Asset Management from Montreal, Quebec. Lester Asset Management makes no representation that materials on the website are appropriate or available for use in other locations. Those who choose to access this website from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.

Trademarks

All product names appearing in type form different from that of the surrounding text are trademarks owned by or licensed to Lester Asset Management, its subsidiaries or affiliates.

Survival

These terms and conditions apply while you are accessing the website and remain in effect thereafter.

Privacy Policy

The Protection of Personal Information Policy ("Policy") applies to Personal Information collected from Lester Asset Management online resources and communications (such as websites, e-mail, and other online tools) that display a link to this Policy. This Policy does not apply to Personal Information collected from offline resources and communications, except in cases where such Personal Information is consolidated with Personal Information collected Lester Asset Management online. This Policy also does not apply to third-party online resources to which the websites of Lester Asset Management may link, where Lester Asset Management does not control the content or the privacy practices of such resources.
What information do we collect? and how do we use it?

We collect the information you provide to us on account application forms, paper or electronic instructions, and telephone instructions from you and/or your financial advisor. This information may include your:

  • Name and Address
  • Social Insurance Number
  • Financial Advisor Information
  • Beneficiary name(s)
  • Telephone and Email
  • Date of birth
  • Banking Information
  • Investment instructions

How do we use your personal information?

We limit the collection, use, retention and disclosure of your personal information to that which is permitted or required by law, or that which is reasonably necessary. We may use your personal information for these stated purposes:

  • Establishing your account
  • Administering your account
  • Executing your transactions
  • Communicating with you
  • Ensuring our records are accurate
  • Providing transaction confirmations
  • Providing financial statements
  • Issuing Tax Slips and proxy mailings
  • Contacting your financial advisor
  • Legal and regulatory requirements

Only Lester Asset Management employees with a business need to know, or whose duties reasonably require it, are granted access to your information. We also share your information with third party services providers to maintain your account(s). We do not sell, rent or otherwise market your personal information.

When is information disclosed to third parties?

We disclose your information to agents, vendors or other organizations only as set out in this Privacy Policy. Third parties provided with your personal information may include:

  • Your financial advisor/investment dealer
  • Third parties who provide services such as account statement preparation and mailing for us
  • Financial Institutions and securities dealers when necessary to carry out your instructions, such as automatic deposits or withdrawals
  • Governments, government agencies, regulators or others for whom we are legally obliged to provide information
  • Entities to whom we are legally obliged to provide information

Identifying purposes

Lester Asset Management will identify the purposes for which Personal Information about you is collected at or before the time it is collected. Lester Asset Management collects the Personal Information that is necessary for its business functions or services. Unless required by law, Lester Asset Management shall not use or disclose, for any new or other purpose, the Personal Information that has been collected without first identifying and documenting the new or other purpose and obtaining your consent.

Consent

Your knowledge and consent are required for the collection, use or disclosure of Personal Information about you. If you provide Personal Information in forms or data fields on our websites, you consent to the collection, use and disclosure of information about you according to the terms of the Policy.

Limiting Collection

Lester Asset Management will limit the collection and use of Personal Information to that which is needed for the identified purposes or to comply with applicable law, and any such information will be obtained only by lawful and fair means.

Limiting Use

Lester Asset Management uses Personal Information about you only for the identified purposes for which it was collected or for a related purpose one would reasonably expect.

Limiting Disclosure

In general Lester Asset Management does not reveal specific information about an individual's records or other Personal Information to unaffiliated third parties for their independent use without the individual's consent except in certain limited circumstances when provided by law or when such third parties act as Agents (as defined in the Policy) Lester Asset Management.

Limiting Retention

Personal Information shall be retained only as long as necessary to fulfill the identified purposes or in accordance with applicable laws or corporate policies.

Accuracy

Lester Asset Management will strive to maintain Personal Information accurate, complete and up-to-date. In general, Lester Asset Management will rely upon you to provide accurate and complete information and to advise Lester Asset Management if circumstances change over time.

Safeguards

Personal Information about you shall be protected by security safeguards appropriate to the sensitivity of the information. Lester Asset Management will take appropriate steps to ensure that Personal Information about you is protected from unauthorized access and disclosure, including limiting access to such information only to those who have a business need to know.

Openness

Upon your written request, Lester Asset Management will provide you with information about its policies and practices regarding the collection, use, and disclosure of Personal Information about you. Personal Information about you is mainly located at the offices of Lester Asset Management in Montreal, Québec. However, Personal Information about you may also be located with the Agents (as defined in the Policy) of Lester Asset Management so that they can process Personal Information about you to meet the identified purposes or for back-up purposes.

Individual Access

You are entitled to challenge the accuracy and completeness of the Personal Information and have it amended as appropriate, subject to some exceptions as prescribed by law. Upon your written request, we will inform you of the existence, use and disclosure of Personal Information about you, and you shall be given access to that information. A reply will be provided to you within thirty (30) days after the written request for access or rectification has been received.
Challenging Compliance: At Lester Asset Management, we want you to understand our commitment to privacy. For any request or complaint related to the Policy or Personal Information about you, please contact in writing the Chief Privacy Officer at:

Privacy & Compliance Officer
Peter Dlouhy
Phone: (514) 849-5566
Fax: (514) 849-4016
E-mail: pdlouhy@lesterasset.com