Please read these terms of use carefully.

If you access and use this web site and any pages thereof, you accept and agree to be bound by and comply with the terms set out below. If you do not agree with the terms of use, do not use this web site or any pages thereof.

Stone-Hedge Financial Group Inc.

References in this web site to "Stone-Hedge Financial" are to the corporate entity Stone-Hedge Financial Group Inc. and include its subsidiaries and affiliates, where applicable. Stone-Hedge Financial Group Inc. is a fully integrated Financial Services Company. Insurance and Investment Services provided by Stone-Hedge Financial Group Inc. 

Not Offering Any Advice

The information on this site is general information only and is not intended to constitute specific legal, accounting, financial or tax advice for any individual. Many factors may affect the applicability of any statement or comment that appear on our web site to an individual's particular circumstances. You should consult with Stone-Hedge Financial Group Inc. or your independent professional advisors before acting on any information provided herein.

IN NO EVENT WILL STONE-HEDGE FINANCIAL GROUP INC. AND ITS AFFILIATES BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS OR DAMAGES WHATSOEVER (INCLUDING DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES) RESULTING FROM THE USE OR MISUSE OF STONE-HEDGE FINANCIAL GROUP INC. WEB SITE, OR RELIANCE ON THE INFORMATION, DOCUMENTS, SOFTWARE OR CONTENT THEREOF, EVEN IF STONE-HEDGE FINANCIAL GROUP INC. OR ITS AFFILIATES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Applicable Agreements

All products and services provided by Stone-Hedge Financial Group Inc. and its affiliates are subject to the terms of the applicable agreements governing their use.

Available Only Where Permitted By Law

Stone-Hedge Financial Group Inc.  and Stone-Hedge Financial Group Inc. affiliate products and services are available only in jurisdictions where they may be legally offered. This communication does not constitute an offer or solicitation to buy or sell services or products 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 an offer or solicitation.

Accuracy and Changes

Facts and information provided by Stone-Hedge Financial Group Inc. at this web site are believed to be accurate when placed on the web site. Stone-Hedge Financial Group Inc. reserves the right to make changes at any time to the information at this web site without prior notice. Please consult Stone-Hedge Financial Group Inc. in your jurisdiction for complete and up-to-date information on products and services.

STONE-HEDGE FINANCIAL GROUP INC. AND ITS AFFILIATES DO NOT WARRANT THE ACCURACY, COMPLETENESS, TIMELINESS, QUALITY, ADEQUACY OR CONTENT OF ANY INFORMATION ON STONE-HEDGE FINANCIAL GROUP INC.  WEB SITE. SUCH INFORMATION IS PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. OUR WEB SITE COULD INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS.

Some jurisdictions do not allow the exclusion of implied warranties, so the above may not apply to you.

Confidentiality

Confidentiality and security of information over the Internet is not possible at this time. Stone-Hedge Financial Group Inc. cannot ensure the privacy and authenticity of any information or instructions you send to us or that we send to you over the Internet. Stone-Hedge Financial Group Inc. 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.

Software Back-up and Web Site Usage

While every effort is made to ensure that all software provided at this web site, or as a link from 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 ensure compatibility of the software with your specific computer system.

IN NO EVENT WILL STONE-HEDGE FINANCIAL GROUP INC. BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL OR PUNITIVE DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, LOSS OF DATA OR OTHERWISE, EVEN IF STONE-HEDGE FINANCIAL GROUP INC., OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OF EXPENSES.

Links to other Web Sites

Links to other Internet resources or web sites are meant for convenience only and are at your own risk; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by Stone-Hedge Financial Group Inc. and its affiliates.

Stone-Hedge Financial Group Inc. makes no representations whatsoever about any other web site which you may access through this web site. When you access a non-Stone-Hedge Financial Group Inc. web site, please note that it is independent from Stone-Hedge Financial Group Inc., and that Stone-Hedge Financial Group Inc. has no control over the content on that web site. Linking to any other web sites is at your own risk and Stone-Hedge Financial Group Inc. and its affiliates will not be responsible or liable for any damages in connection with linking. It is up to you to take precautions to ensure that whatever you select for your use is free of computer viruses and other items of a destructive nature.

Trademarks

"Stone-Hedge Financial Group Inc." and "Stone-Hedge Financial Group Inc. Logo" are trademarks of the Stone-Hedge Financial Group Inc. Stone-Hedge Financial Group Inc. is also the owner of all product and service marks for Stone-Hedge Financial Group Inc. products and services. All other product and service marks mentioned on this web site are the trademarks of their respective owners. All Stone-Hedge Financial Group Inc. trademarks used in this web site are authorized for use under license. The display of trademarks and trade names on pages of this web site does not imply that a license of any kind has been granted to anyone else.

Copyright

The information is for your personal non-commercial use only and may not be reproduced or republished in any part without the prior written consent of Stone-Hedge Financial Group Inc., or where applicable, its affiliates. Any unauthorized downloading, re-transmission, or other copying or modification of trademarks and/or the contents of this web site may be a violation of any federal or other law that may apply to trademarks and/or copyrights and could subject the copier to legal action. The information is protected under the copyright laws of Canada and other countries. Unless otherwise specified, no one has permission to copy, redistribute, reproduce, republish, store in any medium, re-transmit, modify or make public or commercial use of, in any form, the information. Stone-Hedge Financial Group Inc. and its affiliates disclaim any and all liability that may result from any authorized reproduction or use of the information from this web site.

Disclaimer: The information contained herein is for ONTARIO residents only and does not constitute an offer to sell or solicit sales in any other Canadian or foreign jurisdictions. The information contained herein for Travel Insurance for Visitors to Canada, Super Visa and Inbound International Students studying in Canada is for all foreign travelers to Canada to all Provinces and Territories.