Legal Notices

 

 

Desjardins Wealth Management, Desjardins Wealth Management Private Wealth Management and Desjardins Private Wealth Management are trade names used by Desjardins Securities Inc.

Desjardins Securities Inc. is a member of Canada's New Self-Regulatory Organization (New SRO) and the Canadian Investor Protection Fund (CIPF).

Internet Service Agreement

Considering the fact that Desjardins Wealth Management Private Wealth Management offers you the possibility of using its Internet Information Service (hereinafter the "Internet Service"), subject to your agreement to all the conditions provided herein, the conditions contained in each appropriate account agreement and subject to Desjardins Wealth Management Private Wealth Management’s right to terminate this service at any time, either generally or for a specific customer, you agree to comply, as user (the "User"), to each of the following terms and conditions.

1. Password Confidentiality

The User undertakes to use care in not selecting an obvious password, such as the User’s date of birth, and to change it on a regular basis to reduce the potential for unauthorized use.

The User agrees not to disclose its password to any person and to not write down or otherwise record it on an easily accessible document.

The User agrees to notify Desjardins Wealth Management Private Wealth Management without delay if he(she) becomes aware of any use of its password by any other person, or if the User suspects that a person knows it or if a document on which such password is recorded has been lost or stolen.

The User agrees never to allow a third party to use its computer, terminal (or similar apparatus) or to leave same without supervision once he has entered his password, unless the User has terminated his connection to the Internet Service.

2. Confidentiality

Desjardins Wealth Management Private Wealth Management cannot guarantee the User that the Internet Service constitutes a method of communication for which confidentiality may be absolutely guaranteed. All the messages transmitted by the User or by Desjardins Wealth Management Private Wealth Management may be lost, intercepted, or modified. The User agrees that the use of the Internet Service is at his own risks and that Desjardins Wealth Management Private Wealth Management cannot be held liable for any loss of confidentiality of the information provided to it by the User.

The User accepts and agrees that Desjardins Wealth Management Private Wealth Management cannot be held liable for any loss of confidentiality of the information which Desjardins Wealth Management Private Wealth Management may from time to time transmit to the User.

3. Trademarks and copyright

The User acknowledges that all information provided by the Internet Service is the property of Desjardins Wealth Management Private Wealth Management and/or its information providers, which are protected by any applicable laws, including copyright, trademarks, service marks and other intellectual property laws. Any downloading, retransmission, reproduction or modification may be accomplished solely with the prior consent of Desjardins Wealth Management Private Wealth Management and the appropriate information providers, except for reproduction for personal use. The User who contravenes this clause is liable to legal proceedings.

  1. The User agrees that the information that he receives are for personal use only.
  2. In all cases, the User may not retransmit or otherwise disseminate information to any third party. The User acknowledges that the information is and remains the property of Desjardins Wealth Management Private Wealth Management and/or its information providers.
  3. All the names, services, expressions, appellations, icons, words or other, may be trade names, trademarks or service marks of their own respective owners who may be the owners of a license. The presence of trade names, trademarks or service marks does not indicate that a license has been granted to any person.

4. Limitation of liability

Neither Desjardins Wealth Management Private Wealth Management, nor any information providers may be held liable for the following:

  1. Any error, delay, interruption or omission concerning the information;
  2. Any loss or damage caused, in whole or in part, by events independent of their control relatively to the acquisition, interpretation, compilation, drafting, formatting, presentation or transmission of information or other services through the Internet Service;
  3. The technical deficiencies of the material or software of any nature, interrupted or unavailable network connections, failed, incomplete, deformed or delayed, transmission of information, be the cause attributable to the User, Desjardins Wealth Management Private Wealth Management or a third party or to any part of the equipment or the software related to the Internet Service;
  4. Any decision or measure taken by the User as a result of the information obtained through the Internet Service;
  5. The User agrees that Desjardins Wealth Management Private Wealth Management, its directors, managers, employees, agents and its information providers, shall not be liable for any loss or damage arising from any cause outside its control, including but not limited to, facts or omissions, failure of mechanical or electronic equipment or communication lines, telephone connection, electronic or other connection difficulties, unauthorized access, theft, electrical outages, work stoppages or intervention by the state;
  6. Desjardins Wealth Management Private Wealth Management, its directors, managers, employees, agents and its information providers do not guarantee the exactitude, completeness, quality, sufficiency or the content of the information provided by the Internet Service. This information is provided "as is", without any guarantee nor conditions of any nature, either express or tacit, in particular no tacit guarantee for commercialization, for compliance for a specific use or for absence of plagiarism. The Internet Service may include errors either of a substantive or typographical nature;
  7. Desjardins Wealth Management Private Wealth Management, its directors, managers, employees, agents and its information providers, shall in no way be held liable for direct or indirect, special, consequential or incidental damages and, in particular, for any loss of business, loss of profit, loss of an eventual economic advantage falling from the use or incorrect use of the Internet Service, of the information, documents, software or content of the Internet Service, even if they have been informed of the possibility of such damages, nor of any action undertaken by any other party.

Desjardins Wealth Management Private Wealth Management gives no guarantee, be it express, implicit or legal, as to the Internet Service, including, as to the information provided by its providers. In particular, and without limitation, Desjardins Wealth Management Private Wealth Management gives no guarantee as to the punctual, truthful, sequential, complete, exact, or ongoing character of information, transmitted or exchanged; moreover, Desjardins Wealth Management Private Wealth Management gives no guarantee, either express or implied, of the commercial viability or compliance for a general or specific purpose of the information.

5. General provisions

  1. Modification of the conditions: User accepts that Desjardins Wealth Management Private Wealth Management may, without notice, modify the present conditions and be notified by the Internet Service.
  2. Interruption of the Internet Service: User accepts and understands that the Internet Service may be interrupted for any reason whatsoever and accepts all the risks and consequences following from such an interruption for any reason.
  3. Independent clauses: The invalidity or nullity of one or the other of the clauses of the present consent or a part of same shall not affect the rest of the clauses which, shall continue to be in force.
  4. Applicable law: This consent shall be interpreted, applied and governed according to the laws applicable in the province of residence of the User. The services of Desjardins Wealth Management Private Wealth Management are not available to U.S. residents (under the terms of the U.S. securities laws).

The User acknowledges having read the present Internet Service Agreement for Desjardins Wealth Management Private Wealth Management and the conditions contained herein and agrees to be bound by it. The User acknowledges having had the opportunity to obtain adequate explanations relating to the nature and scope of the present Internet Service Agreement for Desjardins Wealth Management Private Wealth Management, by consulting the appropriate sections on the Internet, and by communicating by email using the contact information provided in the "Contact Us" section, and that he understands and accepts all of the provisions contained herein.

Regulatory Disclosures

Desjardins Securities Inc. is the brokerage firm of Desjardins Group. Desjardins Securities scrupulously complies with the regulations governing its activities. The primary objectives of these regulations are to protect clients and preserve financial market integrity.

The Relationship Disclosure Document and Agreements (PDF, 3.94 MB) includes the following:

  • Terms of the relationship between Desjardins Securities and its client
  • Description of products and services
  • Description of the account activity documents the client will receive
  • Protection of personal information
  • Handling of complaints
  • General Account Agreement and specific agreements
  • Statement of Principles on Conflicts of Interest
  • Notice: Information on multiple marketplaces
  • Notice: strip bonds and strip bond packages
  • Notice: futures and options trading

Privacy Policy

Read our Privacy Policy.

Unclaimed property

At Desjardins Securities Inc., we make reasonable efforts to locate and notify owners of unclaimed property in our possession, including but not limited to:

  • contacting the owner at his or her last known address;
  • locating the owner using a local telephone directory or the Canada 411 online directory assistance service;
  • using online search tools.

What is unclaimed property?

Due or payable amounts, cash, securities (i.e. stocks, bonds, mutual funds) or other property held in client accounts become unclaimed property in certain circumstances, including:

  • when written communications with clients are returned to Desjardins Securities Inc. marked "undeliverable";
  • when no claims or transactions have been made nor instructions given in respect of the property for a period of time established by legislation;
  • when certain periods of time established by provincial laws expire.

In these circumstances, and after reasonable efforts have been made to find and notify the owners of this property, it is deemed to be unclaimed.

Questions or comments

In Quebec, unclaimed property must be delivered to Revenu Québec, which administers unclaimed property and keeps a public register of this property. For more information, please go to the Revenu Québec Website - External link..

In New-Brunswick, unclaimed property must be delivered to the Financial and Consumer Services Commission (FCNB) which administers unclaimed property and keeps a public register of this property for the residents of that province. For more information, please go to the FCNB Website - External link..

In Alberta, unclaimed property must be delivered to the Tax and Revenue Administration (TRA), which administers unclaimed property and keeps a public register of this property for the residents of that province. For more information, please go to the TRA Website - External link..

For residents of other Canadian provinces, if you believe that Desjardins Securities Inc. holds unclaimed property of which you are the owner, or for any question concerning unclaimed property, we invite you to contact us at:



  • Montréal

    2, complexe Desjardins P.O. Box 991, Desjardins Branch,
    East Tower, 22nd Floor
    Montréal, Québec H5B 1C1

  • Québec City

    2828 Laurier Boulevard,
    Suite 900
    Quebec City, Quebec G1V 0B9

  • Ontario - Gatineau

    1173 Cyrville Rd
    3rd Floor, Suite 310
    Gloucester, Ontario K1J 7S6