Legal notes

Before accessing the content of this site, any user must agree to abide by the terms of use set forth below and must agree to be bound by the entire content of each statement listed herein. Any person who does not agree with these principles and refuses to abide by them must refrain from accessing and using this site.

User’s statement

As a user, by accessing and using this PPTA Financial Services (PPTA) website, I agree to be bound by this legal notice and to comply with the following terms of use. Otherwise, I understand that I must not access or make any use of this site

Terms of use

The user acknowledges that :

  • PPTA owns, or may own, all copyrights in all information, trademarks and logos appearing on this site.
  • PPTA may change or update the information on this site at any time in its sole discretion and is provided for informational purposes only.
  • PPTA shall not be liable for any harm, loss or damage arising from the use of this site and the information it contains.
  • PPTA cannot guarantee the availability of this site and cannot be held responsible for any problems arising from its use.
  • Links to other websites appearing on this site, including those offering downloadable software, are provided for convenience only and are not the responsibility of PPTA.
  • This site falls under the jurisdiction of the Province of Quebec and the information it contains about PPTA products and services may only be used in Canada.
  • The user is solely responsible for his password and the use of it, with or without his consent.
  • The glossary, search tools, calculators and frequently asked questions on this site are to be used for personal use only and should not be construed as specific recommendations.
  • We cannot guarantee the confidentiality of e-mail exchanges on the Internet. For security, audit or statistical purposes, PPTA collects data on access to this site and may, if necessary, review communications transmitted from or received at this site.
  • PPTA is concerned about your security and privacy, including the personal information you may provide to us. Please see our Privacy Policy for our privacy practices.
  • The content of the LEGAL NOTE is updated from time to time without notice.

Copyrights and trademarks

All information on this website is protected under copyright laws. Users of this site are permitted to copy the content for their personal use only. No one has the right to redistribute, reproduce, republish, store in any medium, retransmit, or modify any information on this site for commercial purposes without the written permission of PPTA, or to make any public use of the information without crediting the source.

All trademarks and logos (including certain names, words, titles, designs, illustrations and icons) appearing on the pages of this site are registered or unregistered trademarks or registered trademarks of PPTA or third parties or are to be used exclusively by their owner.

Any use of these marks is strictly prohibited without the written permission of the owner. Any unauthorized downloading, re-transmission, or other copying or modification of trademarks or the contents of this site may be a violation of federal or other applicable copyright or trademark laws and could subject the violator to legal action.

PPTA prohibits the use of its logos and trademarks as links to any other website without its prior written permission.

Accuracy of information

PPTA believes that the information on this site was accurate at the time it was posted. However, PPTA cannot guarantee or warrant the timeliness, accuracy, completeness or authenticity of its content or each of its features. Without limiting the foregoing, PPTA assumes no responsibility for the accuracy of any information contained on this site and provided by any third party. This site and the information contained herein are for informational purposes only. In addition, the information contained herein is subject to change and update at any time without notice. All products and services listed are subject to the terms and conditions of the agreements governing them.

The information contained in this site is not intended to provide tax, legal, insurance, financial or accounting advice and should not be relied upon in that regard.

PPTA does not warrant the accuracy of any information on or accessible through this site that has been prepared by or obtained from a third party.

Denial of responsibility

Neither PPTA nor any of its directors, officers, employees, or others associated with the creation of this site or its contents shall be liable to any person for any loss or damage (whether arising in contract, tort, negligence or otherwise) that may arise directly or indirectly from the use of this site or the information contained therein, or from the inability to use this site or the information contained therein, or from the malfunction of this site, including any direct, indirect, special, consequential or third party damages.

Many precautions are taken by PPTA to ensure the security of the use of this website and the services offered through it. We are committed to maintaining the security of our customers and the confidentiality of personal and financial information within the web server that manages our website and our internal computer systems.

Unauthorized use of this website and our systems, including but not limited to unauthorized entry into our systems, misuse of passwords or misuse of any information on the site is strictly prohibited.

While we take great care in preparing and maintaining the information and materials on this website, such information and materials are provided “as is” without warranty of any kind, either express or implied. In particular, we disclaim all liability for damage to computer systems, devices or software or to electronic files caused by computer viruses, “worms”, “Trojan horses” or any other intrusive, disruptive or destructive agent or action.

Regular unencrypted e-mail sent over the Internet is not secure (i.e., not confidential). Do not send us any personal or financial information via unencrypted e-mail. We cannot be held responsible if you transmit confidential information via regular unencrypted e-mail and that information later becomes public through no fault of ours.

No warranty

PPTA does not warrant that this Site will be available at all times or that it will meet your requirements or needs, or that access to it will be uninterrupted, or that there will be no delays, failures, errors, omissions or loss of transmitted information, or that no viruses or other contaminating or destructive features will be transmitted or that no damage will occur to your computer system.

It is the sole responsibility of the user to equip himself with the appropriate tools, means or software to avoid any virus or contaminating or destructive element and he must keep his protection up to date.

Disclaimer of liability for links to other websites and downloadable software

Links to other websites or references to products, services and publications that are not those of PPTA are provided solely for your convenience or information and do not imply any endorsement or guarantee by PPTA of such websites, products, services and publications. These sites and links were developed independently of PPTA, and we cannot vouch for the currency, accuracy, completeness or authenticity of the content and functionality of such sites and links. Linking to any other site is at your own risk and PPTA is not responsible for any damages in connection with such linking.

Links to sites offering downloadable software are provided for your convenience and for illustrative or hypothetical purposes only and PPTA is not responsible for any difficulties associated with downloading such software. Any illustrations or calculations generated by such downloadable software or other calculation tools made available through a link to a third party are not to be considered by anyone as proposals, recommendations or advice in financial, insurance, tax or legal matters or any other area requiring professional advice.

If you choose to access any software through the links provided on this site, you must take precautions to scan and remove any viruses and ensure that the software is compatible with your computer. You should also ensure that you have up-to-date backup copies of all content stored on your hard drive before installing the software.

Legislative competence

This site is governed by and subject to the interpretation of the laws of the Province of Quebec. Any dispute, controversy or claim arising out of or relating to the use of this site shall be submitted to and be subject to the jurisdiction of the courts of the Province of Quebec. Accordingly, the courts of the Province of Quebec shall have exclusive jurisdiction over any suit, claim, action or proceeding arising out of or relating to the use of this Site.

The information on this site relating to PPTA’s products and services is intended only for use in Canada, where such products and services may be lawfully offered for use or sale, and is not intended for use or sale where prohibited by law.


You are fully responsible for the use of your password, including its use without your consent. PPTA is not required to confirm the identity or access rights of the user if the user enters the correct user name and password. If someone other than you becomes aware of your user name and password, you must notify PPTA immediately. In such a case, PPTA will block access to your personal record as soon as possible until you decide to confirm a new username and password.

Glossary, search tools, calculators and frequently asked questions

The glossary, search tools, calculators and FAQs may only be used for non-commercial purposes. The use of tools to promote the sale of products and services or a particular website is prohibited.

The definitions provided in the glossary are for informational purposes only. They have no contractual value and may differ from the definitions in any contract. Please refer only to the provisions of your contract to determine your obligations and rights under your contract.

PPTA does not guarantee the results of its research.

Similarly, the calculations and projected results are provided for information purposes only. PPTA does not guarantee their accuracy or integrity as they are based on assumptions. Default values are provided for example and reference purposes only. Please use them only as a guide or estimate.

The answers in the Frequently Asked Questions section and those we provide to those who send us questions are for informational purposes only. They have no legal value and PPTA is not responsible for them. Please consult your representative, accountant, tax specialist or legal advisor, who will review all the facts of your particular situation and provide you with an answer tailored to your situation.

Secure section – Extranet

In order to access a secure section of the extranet site, you must have an access code and a password. In addition to the above regarding the password, the extranet contains its own procedure for granting a user code and password to navigate this section of the site.

Electronic messaging via the Internet

Any unprotected e-mail transmitted over the Internet is subject to possible interception or loss, and is also subject to possible alteration. PPTA will not be liable to you or anyone else for any damages resulting from the interception, loss or alteration of any e-mail you transmit to PPTA or any such message PPTA transmits to you.

In the case of the extranet for PPTA Financial Services’ partner advisors, a web-based e-mail is integrated into the secure site. Please note that any communication via this e-mail bears an identification of belonging to the network and must be written, whether it is intended for internal or external use, in compliance with the requirements of the laws and regulations governing directly or indirectly the distribution of financial products and services and the protection of personal information, including, in particular, the rules enacted with respect to ethics and the exercise of the activities of representatives. As such, you agree not to use the electronic messaging system made available to you for illegal or reprehensible activities, including but not limited to the sending of unsolicited mass e-mail (spamming), criticism or defamation, invasion of privacy, chain letters, pyramid schemes, etc.

Control of the use

A log is maintained to record events related to security or that are of interest for audit or statistical purposes. This log may include all accesses to the site or sections of it, all communications sent or received by a user (in the case of e-mail integrated with the site), as well as any other activity related to the site.

PPTA has access to communications sent or received and may exercise such access if it has reasonable grounds to believe that there has been a violation of the law or a breach of the rules of use of the Site.

Updated legal notice and terms of use

This notice will be updated and modified from time to time by PPTA without notice. Therefore, when you access this site, always make sure you review this notice before you begin using this site.

In addition, with respect to secure areas, PPTA may terminate such areas or a user’s access without notice.