Disclaimer

Cheryl Dunham is a registered mutual fund representative with Excel Private Wealth Inc. in the Province of Ontario, and an independent life agent in the Province of Ontario. Mutual funds offered through Excel Private Wealth Inc., insurance through Manulife Financial, Empire Life, Canada Life, Desjardin Financial Security, Industrial Alliance, Equitable Life, Standard Life, BMO Insurance, Transamerica Life, SSQ Life Insurance Company and The Edge. The information on this website is not intended as financial advice without an assessment of your personal situation. Always consult a lawyer or accountant for detailed legal or tax advice.

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the simplified prospectus before investing. Mutual funds are not guaranteed and are not covered by the Canadian Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Fund values change frequently and past Performance may not be repeated. If you are not a resident of Ontario, you are welcome to visit our Web site; however, this Web site and the products and services described herein were developed and are intended exclusively for Ontario residents. The information contained on this site does not constitute an offer or solicitation in any jurisdiction in which such offer or solicitation is not authorized or to any person to whom it is unlawful to make such offer or solicitation.

THIS SITE IS NOT THE PROPERTY OF Excel Private Wealth Inc. THEY DO NOT HAVE ANY CONTROL OVER THE CONTENT OR THE USE OF THE SITE. Excel Private Wealth Inc. SHALL NOT BE LIABLE OR RESPONSIBLE TO ANY PERSON FOR ANY HARM, LOSS OR DAMAGE (WHETHER ARISING IN CONTRACT, TORT, NEGLIGENCE OR OTHERWISE) THAT MAY ARISE DIRECTLY OR INDIRECTLY FROM THIS SITE, THE USE, INABILITY TO USE, OR MALFUNCTIONING OF THIS SITE OR THE INFORMATION CONTAINED HEREIN, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, THIRD PARTY OR CONSEQUENTIAL DAMAGES.

Notification of Access to Personal Information for Regulatory Purposes

For regulatory purposes, self regulatory organizations including Market Regulation Services Inc., the Investment Dealers Association of Canada, the Mutual Fund Dealers Association of Canada, Bourse de Montreal Inc., and the Canadian Investor Protection Fund (collectively, “SRO’s”) require access to personal information of current and former clients, employees, agents, directors, officers, partners and others that has been collected or used by Regulated Persons. SROs collect, use or disclose such personal information obtained from Regulated Persons for regulatory purposes, including:

Surveillance of trading-related activity,
Sales, financial compliance, trade desk review and other regulatory audits,
Investigation of potential regulatory and statutory violations,
Regulatory databases,
Enforcement or disciplinary proceedings,
Reporting to securities regulators, and
Information-sharing with securities regulatory authorities, regulated marketplace, other self-regulatory organizations and law enforcement agencies in any jurisdiction in connection with any of the foregoing.

Privacy Policy

On April 2000, Bill C-6, the Personal Information Protection and Electronic Documents Act (PIPEDA) became law in Canada, affecting all private sector organizations. The intention of this legislation is to protect an individual’s privacy, guarding against misuse and unwanted dissemination of their personal information by any organization.

I am committed to preserving my client’s privacy regarding their personal information and how it is collected, used and subsequently safeguarded. I acknowledge that in the course of a business relationship with a client, I will be required to collect personal information about that client. This may range from basic information like an individual’s name, address, telephone number, date of birth and marital status, to information such as credit history, insurance claims history, employment information, and even medical information. This information is collected from sources that can include the individual him/herself, insurance companies, credit organizations, medical and financial institutions.

I further realize that in the course of our business relationships, I may be required to share a client’s personal information with other organizations. These other parties commonly include insurance companies, medical professionals and financial institutions.

My clients’ awareness of, and consent to my collection and use of their personal information is very important to me. I rely on a client’s actions as indications of consent or withdrawal of consent to my existing and future personal information practices: a voluntary provision of this personal information to me, expressed consent contained in a written, verbal or any other appropriate communication, or an appropriate notification to me withdrawing this consent.

Bill C-6 prohibits anyone from making use of a person’s information without consent, and further states that any personal information collected may only be used for the stated reason for which it was collected.

Further information about Bill C-6, and how this federal legislation governs the use of information, as well as how this legislation is enforced, please visit the website for the Privacy Commissioner.

I guarantee that any individual’s information that is collected, used and disclosed in the course of serving that person’s needs will be done in such a method that preserves that individual’s privacy, and will safeguard the security of such personal information in an appropriate manner.

If you have any questions regarding my privacy guidelines, please contact me at cdunham@dunhamfinancial.ca or (905)-478-4561 or toll free (888) 217-2001.

Jurisdiction

Cheryl Dunham, CLU is a licensed representative in the Province of Ontario for the sale of insurance; accident and sickness products; segregated funds; mutual fund investments and deposit-taking banking products. The use of this website is therefore restricted to residents of Ontario. If you reside in a province or territory other than Ontario and wish to apply for an insurance policy, please contact us directly.

Conditions of Use

Any Insurance related products are subject to the terms and conditions of the issuer; in all circumstances it is the provisions of the actual policy that shall govern. The content of this website is strictly for general information and educational purposes, and is subject to modification and update from time to time without notice. The information presented is for illustrative purposes only and must not be construed as advice for your individual situation. This site does not provide any insurance, investment, financial, legal, accounting or taxation advice, and should not under any circumstances be relied upon by you in that regard. Such advice should only come from professionals in the relevant field who are able to review your personal situation directly and in detail.

Confidentiality

We respect the privacy and confidentiality of personal information. We will inform you before or at the time we collect any personal information concerning you, and will advise you of the purpose for which we are collecting that information. We will collect only that information which is necessary, and will restrict the information to those individuals who need access to it in the performance of their duties in underwriting, administering and processing claims under any policy issued.

We make every possible effort to maintain your complete and absolute privacy while using our website. Your personal information will never be shared with others, sold or given to any other entity for marketing purposes, or passed on to third parties for any other reason. We ask as little personal information possible to prepare insurance quotations. If information is ever viewed by another party, it is purely accidental, and in using our site, you release us from liability should this information be retrieved, downloaded, or viewed against our wishes, and contrary to privacy rules and laws. We shall not be held liable for any fraudulent, dishonest, or criminal acts of others who view or steal such information through technical or other means. We shall not be responsible for any damage or inconvenience you may suffer in connection with any breach of confidentiality.

Dunham Financial Services Inc. is committed to protecting your privacy and the confidentiality of your personal information. A copy of our privacy policy is available upon request. If you have any questions about this policy, please call us at 1-888-217-2001.

Copyright

The works of authorship including, but not limited to, all design, text, images, and sounds, contained in this website (individually and collectively 'Publications'), are owned by Cheryl Dunham, CLU, except as otherwise expressly stated. The Publications, prepared in Canada, may not be copied, reproduced, transmitted, displayed, performed, distributed, rented, sublicensed, altered, stored for subsequent use or otherwise used in whole or in part (individually and collectively 'Reproduced') in any manner without our agency's prior written consent, except to the extent that such use constitutes 'fair use' under the Canadian Copyright Act and except for one temporary copy in a single computer's memory and one unaltered permanent copy to be used by the viewer for personal and non-commercial use only, with an attached copy of this Disclaimer Notice.

You may provide a hypertext link to this site on another website, provided that: (a) the link must be a text-only link and clearly marked as a link to our site, listing our website name clearly, (b) the link must 'point' to the URL 'http://www.dunhamfinancial.ca/' page, and not to other pages within the site; (c) the appearance, position and other aspects of the link may not be such as to damage or dilute the goodwill associated with our name and trademarks; (d) the appearance, position and other aspects of the link may not create the false appearance that an entity, product, service or work of authorship is associated with, sponsored by or endorsed by our agency; (e) the link, when activated by a user, must display this site full-screen and not within a 'frame' on the linked website, and (f) we reserve the right to revoke its consent to the link at any time, for any reason, in its sole discretion.

If you are interested in obtaining a license to reproduce one or more of our publications, please contact us. You may download or copy any information on this site for your own personal and non-commercial use. You may not republish, reproduce or install any of the information on this site onto any other computer system, including another site on the Internet. You may cite or refer to the information contained in this site, but you may not copy or distribute the information in whole or in part without the prior and express written consent of Cheryl Dunham, CLU.

Governing Law

The laws of Canada and those of your province of residence shall govern as to the interpretation, validity and effect of any agreements presented on this website. We assume no responsibility for the use of this site by non-residents of Canada.