DISCLAIMER AND POLICIES
James Parkyn is a Portfolio Manager with PWL Capital Inc. and is securities-licensed by the Investment Industry Regulatory Organization of Canada (IIROC). François Doyon La Rochelle is a Portfolio Manager with PWL Capital Inc. and is securities-licensed by the Investment Industry Regulatory Organization of Canada (IIROC).
Portfolio Management and brokerage services are offered by PWL Capital Inc, which is regulated by Investment Industry Regulatory Organization of Canada (IIROC), and is a member of the Canadian Investor Protection Fund (CIPF).
Financial planning and insurance products are offered by PWL Advisors Inc., and is regulated in Ontario by Financial Services Commission of Ontario (FSCO) and in Quebec by the Autorité des marchés financiers (AMF). PWL Advisors Inc. is not a member of CIPF.
Capital Topics is designed to be an educational resource and should not be taken as personalized investment advice, nor as a recommendation to buy or sell certain securities. The funds and portfolios discussed on the site are examples only and may not be appropriate for your individual circumstances.
Investing in index funds and ETFs will result in losses during any period where stock and/or bond markets decline. It is the responsibility of each individual to do the appropriate due diligence before investing in any index fund or ETF.
Use of this website
This website is owned and operated by James Parkyn and François Doyon La Rochelle 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.
Exclusion of Warranties
James Parkyn and François Doyon La Rochelle make 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. PWL 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
CAPITAL TOPICS 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
James Parkyn and François Doyon La Rochelle maintain securities licenses in Canada in the following jurisdictions: Alberta, British Columbia, New Brunswick, Nunavut, Ontario, Quebec and Saskatchewan. 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 Capital Topics 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 Capital Topics or any of its affiliates or authorised third parties. The content of these Web pages are the exclusive property of James Parkyn and François Doyon La Rochelle and cannot be reproduced in whole or in part without the express consent of them 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 James Parkyn and François Doyon La Rochelle, and James Parkyn and François Doyon La Rochelle do 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 PWL 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 PWL including, but not limited to, reproduction, retransmission, publication of such information or material for the commercial purposes of PWL or disclosure of your identity. Trademarks, logos and service marks (collectively, “Marks”) displayed on this website are registered or unregistered Marks of PWL or others, are the property of their respective owners, and may not be used without written permission of PWL 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.
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 Capital Topics website uses cookies to enable us to better serve you. You must enable cookies for this section of the website to function correctly. Capital Topics 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. James Parkyn and François Doyon La Rochelle have not reviewed and do 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 James Parkyn and/or François Doyon La Rochelle .
Accuracy of Information
While James Parkyn and François Doyon La Rochelle try 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
Capital Topics do 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.
Reserve of Rights
All rights not expressly granted in these terms are reserved to Capital Topics. 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 Capital Topics or any other person or entity.
Governing Law
This site is controlled and operated by James Parkyn and François Doyon La Rochelle 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
Capital Topics 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 Capital Topics website.
Jurisdiction
This website is controlled and operated by James Parkyn and François Doyon La Rochelle from Montreal, Quebec. Capital Topics 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.
Survival
These terms and conditions apply while you are accessing the website and remain in effect thereafter.