I. Disclaimers
II. TRADEMARK/COPYRIGHT
III. B.C. UNCLAIMED PROPERTY
1. General
This communication is intended for Canadian residents only, and does not constitute an offer or solicitation by anyone in any jurisdiction in which such an offer or solicitation is not allowed. Important information about any mutual fund is contained in its Simplified Prospectus. All investors should read the prospectus before investing. You can obtain a printed copy from AIC Limited by ordering one through the AIC Limited Web site's “Marketing Materials” page, or by calling 1-800-263-2144.
All returns are historical annual compounded total returns including changes in unit value and distributions reinvested. Returns do not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns. Commissions, trailing commissions, management fees and expenses may be associated with mutual fund investments. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.
With respect to money market funds, 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 an investment in the fund will be returned to the investor. Mutual fund securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer.
2. Selling Restrictions Outside Canada
The distribution of a prospectus qualifying for sale in Canada funds managed by AIC Limited (the “AIC Fund(s)”) and the offering or purchase of the units/shares may be restricted in certain jurisdictions outside of Canada. No persons receiving a copy of an AIC Funds prospectus in any such jurisdiction may treat the prospectus as an invitation to purchase units/shares unless such an invitation could be lawfully made to them without compliance with any registration or other legal requirements. An AIC Funds prospectus is not an offer or solicitation by anyone in any jurisdiction where such offer or solicitation is unlawful or in which the person making such offer or solicitation is not qualified to do so or to anyone to whom it is unlawful to make such an offer or solicitation.
It is the responsibility of any person in the possession of an AIC Funds prospectus and any persons wishing to apply for units/shares pursuant to an AIC Funds prospectus to inform themselves of, and to observe, all applicable laws and regulations of any relevant jurisdiction. Prospective purchasers of units/shares should inform themselves as to the legal requirements of such purchases and any applicable exchange control regulations and taxes in the countries of their respective citizenship, residence, incorporation or domicile.
Neither the AIC Funds nor the manager shall have any obligation to make any filings or do any acts in order to permit such offerings in any jurisdiction and shall be entitled to require evidence that an offering to the investor in such jurisdiction is in compliance with the local laws.
The units/shares of AIC Funds have not been and will not be registered for sale under U.S. securities laws and may not be offered or sold directly or indirectly in the United States or to any U.S. person (including any citizen or resident of the United States, any partner or corporation organized or incorporated under the laws of the United States and certain estates and trusts organized under U.S. laws) unless pursuant to an exemption from registration.
3. Content
The information presented on this Site is provided as a general source of information, is not guaranteed to be current, accurate or complete, and is subject to change without notice. AIC Limited accepts no responsibility for any loss or damage that results from any information contained on this Site or accessed through other sites to which this Site is linked. AIC Limited makes no representation or warranties whatsoever about the data or information in any linked sites and specifically makes no representation that such data or information is accurate or complete. The information presented in this Site should not be considered personal investment or professional advice. You should apply or seek professional judgment in making use of such information, including without limitation, the use, timeliness or accuracy of any information as the basis for any conclusions. You should always consult with your financial, legal or tax advisor for advice that reflects your personal circumstances.
The information is provided “as is”, with no guarantees, representations, or warranties of any kind, express or implied. AIC Limited does not warrant that this Site, the sites to which this Site is linked, and any information, or other material downloaded from this Site, or linked sites are uninterrupted, error-free, or free of viruses, defects or other harmful components.
4. Historical Account Information
Historical account information is provided, based on AIC Limited's records, to assist you in reviewing Adjusted Cost Base and is not intended to constitute a determination of proper or accurate tax treatment of these investments. For example, this information may not accurately reflect all transactions and will not reflect the correct amounts if the account has been subject to a deemed disposition for tax purposes. You have the ultimate responsibility of satisfying taxation authorities with respect to proper tax treatment of your investments based on your information and records. You must verify the historical account information with your own records and recalculate the average costs and gains (losses) on redemption for your income tax return. Determination of Adjusted Cost Base can involve complex issues and you should obtain legal and/or tax advice and assistance where appropriate. AIC Limited is not able to guarantee the accuracy or completeness of the information presented and in no event will AIC Limited be liable for loss or damages resulting from use or reliance upon the historical account information provided on or through this Site.
5. E-mail
E-mail over the Internet is not a secure medium and privacy cannot be assured. E-mail communication is not confidential, is subject to possible interception or loss, and is also subject to possible alteration. AIC Limited is not responsible for and will not be liable for any harm or damages in connection with an E-mail containing personal or confidential information sent by you to AIC Limited, or an E-mail by AIC Limited to you at your request.
6. Calculator
The Calculators found on this Site are provided for general illustrative purposes only. All examples are hypothetical. The Calculators are provided only as educational tools and do not constitute investment advice. To take into account your specific circumstances, you should obtain professional investment, legal and/or tax advice, as appropriate.
7. Leveraging
Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. The purchase of mutual funds using borrowed money (i.e. leverage) magnifies the gain or loss on the cash invested.
Investors considering a leveraged purchase of mutual funds should be aware that a leveraged purchase involves greater risk than a purchase using personal cash resources only. The extent of that risk will vary depending on the circumstances of the investor and the type of mutual fund purchased.
If you borrow money to purchase mutual funds, your responsibility to repay the loan and pay interest as required by the loan's terms remains the same even if the value of the mutual funds purchased declines.
Before investing, read the prospectus and speak to a financial advisor.
II. Trademark/Copy
Certain names, logos, designs, titles, words or phrases on this Site may constitute trademarks, service marks or trade names of AIC Limited. Unauthorized use or exploitation of such marks and names is strictly prohibited. Trademarks of AIC Limited include:
- Buy. Hold. And Prosper.®
- Upvest™
- Upvesting™
III. B.C. Unclaimed Property
What is Unclaimed Property? Under the British Columbia Unclaimed Property Act, property becomes unclaimed when an owner leaves property (such as financial assets) with no instruction, no claim, and no transaction for periods of time established by legislation. AIC may become the “Holder” of such unclaimed property. The “Owner” would be the individual who has an interest in the property.
The British Columbia Unclaimed Property Act applies if the last known address of the interested party was in British Columbia, and if the transaction that gave rise to the property was entered into after July 1, 2000. The legislation also applies if the Owner’s address is unknown and the transaction from which the property arose was entered into or arranged in British Columbia after July 1, 2000. Generally, the legislation requires property to be classified as unclaimed after 3 years of inactivity, with some exceptions. One notable exception occurs when a communication or cheque is sent to the Owner and returned undeliverable to AIC. Upon AIC receiving the returned cheque, the property becomes unclaimed.
How Does Property Become Lost? Most unclaimed property becomes abandoned as a result of a change of address, a name change, or the death of an Owner who did not include the property in his/her estate.
To prevent your property from becoming lost, you should keep an up-to-date list of all your family’s assets, including bank accounts, retirement accounts, stocks, bonds, mutual funds, etc. Ensure that any holders of your assets are notified accordingly of address or name changes.
What Happens to Unclaimed Property? AIC keeps a database of unclaimed property originating from British Columbia. Property that is valued at over $50.00 is included in the database. The database contains the name of the owner and the date the property became unclaimed. Public searches of our unclaimed property database are limited to name only. No other information included in the database can be disclosed to the public.
How Should I Proceed if I Think AIC May Hold My Unclaimed Property? In order to verify you have unclaimed property in AIC’s database, please contact AIC’s Client Service Department at 1-800-263-2144.
AIC will ask you for sufficient identifying information to check the unclaimed property database and to allow us to ascertain the validity of the claim in order to reunite you with your unclaimed property. If there is a match, a British Columbia Unclaimed Property Form will be forwarded to you for completion.
What if I am an Heir or I am Making a Claim in Some Representative Capacity? If you are not the direct owner of the property, then you will need to provide AIC with appropriate documentation of your status or authority. For example, a Power of Attorney is required when claiming property held in the name of another individual.
Is There Any Cost to Search AIC’s Records? AIC does not charge a fee for searching our records. However, you may incur legal fees or notarial fees to provide legal evidence verifying ownership.
What Happens if AIC Denies My Claim? An initial appeal should be made to an Operations Supervisor. Upon request, AIC’s Legal Department may re-examine a denied appeal.
This website is protected under the copyright laws of Canada and other countries. An acknowledgment of source must be included whenever AIC Limited material is copied or published.
