Legal, copyright and trademark information

Use of this Web site is governed by the following terms and conditions which are subject to change
without notice to you. Please read them carefully before using this site. Limited license and use Huxton
Black Ltd Inc (the “Corporation”) grants you a limited licence to display the contents of this site on your
computer and print, download and use the materials on this site solely for personal or educational
purposes and for purposes of doing business with the Corporation, provided that the contents of the
site are not modified in any way and that all copyright and other notices are maintained. You agree not
to, or allow others to, directly or indirectly, attempt or actually disrupt, impair or interfere with, alter or
modify this site or any of its content. You agree not to, or allow others to, directly or indirectly, collect or
attempt to collect any information about others, including passwords, account or other information. In
order to use this site, you must have attained the minimum prescribed age in the jurisdiction in which
you are resident to contract for the products and services. This site is for general information purposes
only and is not intended to provide you with any personalized financial, insurance, legal, accounting, tax
or other professional advice. You will not rely on this site as a substitute for independent research or for
personal advice from a financial security advisor of the Corporation or any other appropriate
professional advisor.

Nothing on this site constitutes an offer to buy or sell products or services of London Life, its affiliated
companies or suppliers. All products and services are subject to the terms and conditions of any
applicable contracts. London Life products and services and those of third parties which may be referred
to on this site are available only in jurisdictions where they may be lawfully offered for sale in Canada.
The Corporation may only solicit the sale of financial products and services for which the Corporation
has been duly licensed in the jurisdiction in which the sale occurs. The use and content of this site, and
the terms and conditions contained herein, shall be governed by the laws of the province in which the
Corporation conducts business and you agree to attorn to the jurisdiction of the courts of that province.

Privacy and Confidentiality

You acknowledge that the Corporation collects and uses personal information for purposes of providing
the services contained on this site. The Corporation is committed to respecting the privacy and
confidentiality of information in accordance with applicable law. The Corporation has established and
will continue to maintain appropriate safeguards to protect the security and confidentiality of personal
information. However, you acknowledge and confirm that the Internet is not a secure medium where
privacy and confidentiality can be guaranteed and that complete security and confidentiality of
transmissions to and from this site over the Internet is not possible at this time. Your confidential use of
the site cannot be guaranteed and you acknowledge that your use of the site (including information you
transmit to the site) may be subject to access or manipulation by, or disclosure to, third parties. Without
limiting any other disclaimer herein, the Corporation shall not be responsible or liable for any damages
that you or any other person may suffer in connection with any such breach of privacy, confidentiality or
security. If you are provided with a user name and password to access any part of this site, you agree to
be liable for all uses of your user name and password, including unauthorized use without your consent
and you acknowledge that the Corporation shall not be responsible to confirm the actual identity or
authority of any user. Instructions provided pursuant to such user name and password shall constitute
sufficient authority to the Corporation to execute any transactions directed thereunder. You agree to
notify the Corporation immediately should the confidentiality of your user name and password be in
jeopardy.

E-mail security

The security of e-mail communication cannot be guaranteed at this time. Any person wishing to
communicate or send information of a private or confidential nature to the Corporation is encouraged
to do so by other means.

Copyright

This site has been developed by the Corporation. The contents of this site are the property of the
Corporation and third parties whose information or materials are contained on the site. All information
and materials contained on this site are protected by copyright, trademark and other intellectual
property laws of Canada and other countries. Subject to the limited license to use this site as described
above, no person may copy, redistribute, reproduce or republish in any form, or link to this site or its
contents in any manner whatsoever, including by way of hyperlinks or framing, unless that person has
obtained the prior written consent of the Corporation. Any infringement of the rights of the Corporation
may result in appropriate legal action.

Trademarks

The Corporation owns or has obtained the right to use by license or otherwise the trademarks used on
or in connection with the goods and services provided. The trademarks are protected by Canadian and
foreign trademark laws. All rights reserved. The display of trademarks on this site shall not in any way be
construed as an implied license to use such trademarks.

General disclaimer

  • The content of this site is provided solely for personal and educational purposes and for purposes
    of doing business with the Corporation and is subject to modification without notice to you. While
    information posted on this site is believed to be reliable and accurate at the time of posting, the
    Corporation does not guarantee, represent or warrant that the information contained on this site is
    accurate, complete, reliable, verified or error free.
  • The Corporation makes no express or implied representations or warranties regarding the usability
    or condition of this site, that this site will operate uninterrupted or error free, or that this site will
    operate in combination with any services or software used in connection therewith or that it shall
    be viewed consistently with all browser software or that any communication transmitted to or from
    this site is private, confidential or secure.
  • THE CORPORATION EXPRESSLY DISCLAIMS ALL REPRESENTATIONS, WARRANTIES OR
    CONDITIONS, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, WITHOUT
    LIMITATION, THE WARRANTIES AND CONDITIONS OF MERCHANTABLE QUALITY AND FITNESS
    FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, COMPATIBILITY, TIMELINESS, SECURITY OR
    ACCURACY, AND ANY REPRESENTATIONS, WARRANTIES OR CONDITIONS THAT MAY ARISE FROM
    A COURSE OF DEALING OR USAGE OF TRADE.
  • YOU ASSUME FULL RESPONSIBILITY FOR RISK OF LOSS OF ANY NATURE WHATSOEVER RESULTING
    FROM YOUR USE OF THIS SITE. Without limiting the generality of the foregoing, you acknowledge
    and agree that none of the Corporation, London Life or any of its affiliates, or any of their directors,
    officers, representatives, employees or agents shall be liable to you for loss of data, computer time
    or any loss or damage of any nature whatsoever arising out of or attributable in any manner
    whatsoever to your use or inability to use this site for any reason whatsoever or to any action or
    inaction on the part of the Corporation or for any direct, indirect, special or consequential damages,
    even if the Corporation has been advised of the possibility thereof, including but not limited to lost
    profits, lost opportunities or business revenues, loss of goodwill, or failure to realize expected
    savings.
  • This site contains links to other sites which sites are not maintained or controlled in any way by the
    Corporation. Such links are provided for convenience only and are not to be construed as an
    endorsement by the Corporation or any other party of the products, services, advice or opinions or
    any other content of such sites.

More information

For more information concerning the terms and conditions of use of this site or to request the
authorization to reproduce or distribute the content of this site or any part thereof, please contact
Huxton Black Ltd Inc.