User Agreement
The following terms of use apply to your use of this web site. By using this web site, you acknowledge your agreement to the terms set forth below. These terms are additional to the terms of the client account agreements governing your adviceDirect account(s).
adviceDirect
adviceDirect is a separate business unit of BMO InvestorLine Inc. ("BMO IL"), an indirect subsidiary of Bank of Montreal. BMO IL is a member of the Investment Industry Regulation Organization of Canada and the Canadian Investor Protection Fund.
No solicitation and Jurisdiction
The products and services of BMO IL and its affiliates are only offered in jurisdictions where they may be lawfully offered for sale and are subject to the terms of applicable agreements. Any products or service mentioned on this web site is available only in accordance with local law and only where it may be lawfully offered for sale.
The information on this web site does not constitute an offer or solicitation by anyone in any jurisdiction in which an offer or solicitation cannot be legally made, or to any person to whom it is unlawful to make a solicitation.
Only residents in certain jurisdictions in Canada may open an adviceDirect account at BMO IL. Please call 1 888 776-6886 for information about the availability of adviceDirect in your jurisdiction.
Internet e-mail
BMO IL requires that clients use at least 128 bit encryption (and up to 256-bit encryption) when conducting financial transactions over the Internet. We also recommend the use of up to 256-bit encryption for all non-financial transactions over the Internet. If you are a BMO IL client and wish to access your account through our web site, ensure that you have a browser up to 256-bit encryption. If your browser doesn't operate at this level of encryption, you will likely see an "Insufficient Encryption" message when you try to sign into your account.
Absent the use of encryption, the Internet is not a secure medium and privacy cannot be ensured. Internet e-mail is vulnerable to interception and forging. BMO IL cannot ensure the privacy and authenticity of any information you send to us or that we send to you over the Internet. BMO IL will not be responsible for any damages you may incur if you communicate confidential information to us over the Internet or if we communicate such information to you at your request.
Disclaimer
From time to time, interruptions, errors or other deficiencies in service on this web site may occur due to a variety of factors, some of which are outside the control of BMO IL and its affiliates, including without limitation, interruptions in the accessibility of the Internet, a system outage in facilities of a third party service provider, and market conditions that may result heavy demand or high volumes of trading activity. You may experience difficulties in accessing your account and in placing and cancelling orders due to the delays and errors in service or system outages.
Neither BMO IL nor its affiliates is liable to you or anyone else, for any damages whatsoever and howsoever caused (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with use of the software, systems, services or facilities used or made available on the web site, or your ability to access or use the web site, including but not limited to loss or damage resulting from failure of electronic or mechanical equipment or communications lines, the Internet, telephone, power failure, or third party system failure.
Third Party Research
Third party publications are not prepared or approved by BMO InvestorLine Inc. (“BMO IL”) and do not meet Canadian research disclosure requirements. The opinions, estimates and projections contained in these publications are those of the author as of the date indicated and are subject to change without notice. BMO IL makes no representation or warranty, express or implied, takes no responsibility for any errors or omissions and accepts no liability for any loss arising from any use of or reliance on these publications. The provision of these publications are not to be construed as an offer to sell or a solicitation for or an offer to buy any securities. Affiliates of BMO IL may buy from or sell to customers the securities of issuers mentioned in these publications on a principal basis. BMO IL, its affiliates and/or their respective officers, directors or employees may acquire, hold or sell securities of these issuers, or related securities, or options, futures or other derivative instruments. Affiliates of BMO IL may act as financial advisor and/or underwriter for certain of these issuers and may receive remuneration. BMO IL is an indirect subsidiary of Bank of Montreal. Bank of Montreal or its affiliates may have lending arrangements with, or provide other remunerated services to, these issuers. The reader should assume that BMO IL or its affiliates may have a conflict of interest and should not rely solely on these publications in evaluating whether or not to buy or sell securities of these issuers.
Software Back-up
While every effort is made to ensure that any software provided on this web site is suitable for use on a wide variety of computer systems, you should take reasonable and appropriate precautions to scan for computer viruses, and other items of a destructive nature and ensure compatibility of the software with your specific computer systems. You should also ensure that you have a complete and current backup of the information contained on your computer system prior to installing such software.
Cookies
BMO IL and its affiliates may use cookies or information-tracking technologies to improve the functionality or security of web sites, or to provide you with a more customized on-line experience. Please note that cookies cannot capture files or data stored on your computer.B M O, I L and its affiliates may use cookies or information-tracking technologies to improve the functionality or security of web sites, or to provide you with a more customized on-line experience. Please note that cookies cannot capture files or data stored on your computer.
Trademarks
Trademarks Belonging to BMO IL, BMO Bank of Montreal or Other Entities
Certain names, graphics, logos, icons, designs, words, titles or phrases at this web site may constitute trade names, trademarks or service marks of BMO IL, BMO Bank of Montreal or other entities. Trademarks may be registered in Canada and in other countries as applicable. The display of trademarks on pages at this web site does not imply that a license of any kind has been granted. Any unauthorized downloading, re-transmission or other copying or modification of trademarks and/or the contents herein may be a violation of federal or common law, trademark and/or copyright laws and could subject the copier to legal action.
TM-adviceDirect.trade mark-adviceDirect.
®-BMO (M-bar roundel symbol) and InvestorLine are registered trademarks of Bank of Montreal.
BMO Wealth Management is the brand name for a business group consisting of Bank of Montreal and certain of its affiliates in providing wealth management products and services.
All other product and service marks mentioned on our web site are the trade-marks of their respective owners. All BMO IL trademarks used on this web site are used under license.
Copyright BMO InvestorLine 2012Copyright B M O InvestorLine 2012
BMO IL either owns the intellectual property rights in the underlying HTML, text, images, audio clips, video clips, software and other content that is made available to you on our web site, or has obtained the permission of the owner of the intellectual property in such content to use the content on our web site. You acknowledge that all information made available to you on our web site is proprietary to BMO IL or to the appropriate information supplier and is protected by copyright law and other applicable intellectual property laws.
BMO IL grants to you its limited permission to display on your computer, print, download and use the underlying HTML, text, images, audio clips, video clips, software and other content that is made available to you on our web site, for non-commercial, personal, or educational purposes only, provided that:
you do not modify any such content, and
you include with and display on each copy of such content the associated copyright notice and this intellectual property notice.
No other use is permitted. Without limiting the generality of the foregoing, you may not:
make any commercial use of such content;
use or permit anyone else to use such content for any unlawful or unauthorized purpose;
include such content in or with any product that you create or distribute; or
copy such content onto your or any other persons web page.
authorize or permit such content be reused or retransmitted without prior written approval of the source of such information or software.
Notwithstanding the above, nothing contained in this Section shall be construed as conferring any right or licence under any copyright of BMO IL or any other person who owns the copyright in content provided on our web site.
Copyright © 2012 BMO InvestorLine Inc. All rights reserved
Mutual Fund InformationImportant information about the mutual funds referenced on this web site is contained in their simplified prospectuses, copies of which may be obtained directly from the applicable fund company and which you should read carefully prior to investing. Mutual funds securities are not guaranteed nor covered by any government deposit insurer. Unit values and investment returns will fluctuate. For the money market funds, yields will fluctuate and there is no assurance that the funds can maintain a fixed net asset value. Performance data represents past performance and is not necessarily indicative of future performance.
Privacy
All information you submit to BMO IL through this web site may be used by BMO IL in accordance with the terms of our privacy code. To view the privacy code please click on the privacy link located in the footer of the BMO IL website.