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Important Legal Notices to All Users of This Web Site
We want you to use and enjoy our Web site and it is important that you read the information below.
By accessing our Web site, you agree to be bound by the terms of the Legal
Notices below. If you do not agree with the terms of these Legal Notices, you
should not access this Web site.
BMO Financial Group
References on this Web site to "we", "us", "our", or "BMO Financial Group" means BMO Bank of Montreal, BMO Nesbitt Burns Inc./BMO Nesbitt
Burns Ltée, BMO Investments Inc. and BMO InvestorLine Inc., Bank of Montreal
Mortgage Corporation, or any of them. References on this Web site to "BMO Harris
Private Banking" refers to the services of The Trust Company of Bank of Montreal,
Bank of Montreal, and BMO Harris Investment Management Inc. References on this
Web site to BMO Private Client Group means BMO Investments Inc., BMO Nesbitt
Burns Inc., BMO InvestorLine Inc., BMO Terms Investments, BMO Harris Private
Banking, or any of them.
Confidentiality
Unencrypted e-mail communications over the Internet are not secure (i.e. private)
at this time. Internet e-mail is vulnerable to interception and forging. We
cannot ensure the privacy and authenticity of any information or instructions
you send to us or that we send to you over the Internet. We will not be responsible
if you communicate confidential information to us over the Internet or if we
communicate such information to you at your request, and such information subsequently
becomes public through no fault of our own.
Privacy
We are concerned about the privacy of your information. If you communicate
with us by e-mail or otherwise, one of our Call Centre representatives will
communicate with you according to your instructions. We may maintain historical
records of emails or other communications that we receive from you in order
to fulfill any correspondence guidelines mandated by our regulators. For full details on the Bank of Montreal's Privacy Code
click here.
No Advice
The financial market data, including quotes, charts and news are provided
by various information suppliers that are independent of us. The information
provided on this Web site is intended for informational purposes only and is
not intended to constitute financial, accounting, legal or tax advice. Many
factors unknown to us may affect the applicability of any statement or comment
that we make on our Web site to your particular circumstances. You should consult
directly with one of our professionals or your other advisers before acting
on any information on our Web site.
Accuracy and Changes
Facts and information provided on this Web site are believed to be accurate
at the time they are posted. However, this Web site could include inaccuracies,
typographical errors, or out-of-date information. Changes may be made at any
time to the information on this Web site without prior notice. Please consult
one of our branches in your jurisdiction for complete and up-to-date information
on products and services.
Calculators
Calculators or projections are provided for general illustrative purposes
only and are not warranted to be accurate or complete.
Disclaimer of Warranty and Limitation of Liability
WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, QUALITY, ADEQUACY OR CONTENT
OF ANY INFORMATION OR TOOL ON THIS WEB SITE NOR DO WE MAKE ANY WARRANTY AS TO
THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE.
SUCH INFORMATION OR TOOL IS PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION
OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED
CONDITIONS AND WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE
ABOVE MAY NOT APPLY TO YOU.
WE WILL NOT BE RESPONSIBLE OR LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL,
OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES WHATSOEVER, INCLUDING, WITHOUT
LIMITATION, LOST REVENUES, LOST PROFITS OR LOSS OF PROSPECTIVE ECONOMIC ADVANTAGE,
RESULTING FROM THE USE OR MISUSE OF THIS WEB SITE, OR THE INFORMATION, DOCUMENTS,
SOFTWARE OR CONTENT THEREOF, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES
OR SUCH DAMAGES ARE REASONABLY FORESEEABLE.
No Solicitation
Nothing on this Web site constitutes a solicitation or offer by us
to buy or sell products or services of any kind whatsoever including without
limitation securities or any other financial instrument of any issuer.
Applicable Agreements
All of our products and services are offered for sale subject to the
terms of the applicable agreements. Please consult any branch of any entity within the BMO Financial Group in your jurisdiction for complete and up-to-date information on products and services.
Applicable Jurisdiction
The information on this Web site is intended for use by persons resident
in Canada only. Any products or services mentioned on this Web site are made
available only in accordance with local law (including applicable securities
laws) and only where they may be lawfully offered for sale.
U.S. Residents Disclosure
This information is not intended to be construed as an offer to sell
or a solicitation to buy or sell any products or services of any kind whatsoever
including without limitation securities or any other financial instrument in
the United States of America.
UK Residents Disclosure
Insofar as the information in this Web site is issued in the UK, it has
been approved by BMO Nesbitt Burns International Ltd, which is regulated by
the Financial Services Authority in the conduct of investment business in the
UK. You should note that prices, values and incomes of securities mentioned
in this Web site may fall against your interests, and you may get less back
as an investor than that which you put in. The investments mentioned in the
Web site may not be suitable for all recipients. If you have any doubts you
should seek advice from an independent investment adviser. You should note that
income from investments may fluctuate. If an investment is denominated in a
currency other than pounds sterling, changes in the rate of exchange may have
an adverse effect on the value or price of or income from the investment. Past
performance of an investment is not necessarily a guide to its future performance.
Where reference is made to the effect of tax, you should note that levels and
bases of taxation may change. Business carried on by the entities within BMO Financial Group is not regulated in the UK. The regulatory
régime and compensation arrangements in respect of such business may be different
to that of the UK.
None of the products mentioned in this Web site are available, nor will they
be made available by any entity within BMO Financial Group to private customers in the UK.
Software Back-up
While every effort is made to ensure that any software provided on 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.
Hyperlinks Are Not Endorsements.
Links to other Web sites or references to products, services or publications other than those of BMO Financial Group on this Web site do not imply the endorsement or approval of such Web sites, products, services
or publications by us.
Trade Marks Belonging to Entities in BMO Financial Group or Other Entities
TM --  , AccountLink,
Intuition, Instabank EXTRA, Value Protector, Mutual Funds Online, Accumulator, Rate
Optimizer and Market Index are trademarks of Bank of Montreal. Full-Service
Online is a trademark of BMO Nesbitt Burns Corporation Limited, used under license.
® -- BMO, FirstBank, FirstBank Card, Instabank, Investore, InvestorLine, Direct Banking,
RateRiser,Rate Sensor, Retro-Activator and BMO MatchMaker are registered trademarks
of Bank of Montreal. Nesbitt Burns and Nesbitt Burns Gateway are registered
trademarks of BMO Nesbitt Burns Corporation Limited, used under license.
®† -- Bank of Montreal is a licensed user of the registered trademark and design
owned by MasterCard International Inc., the INTERAC trademark of Interac Inc.,
and the Cirrus trademark of Cirrus System, Inc.
®* -- Microsoft, Windows, Windows NT, MSN, The Microsoft Network and/or other
Microsoft products are either trademarks or registered trademarks of Microsoft.
®†* -- Netscape, Netscape Certificater Server, Netscape FastTrack Server, Netscape
Navigator, Netscape ONE, SuiteSpot, and the Netscape N and Ship's Wheel logos
are registered trademarks of Netscape Communications Corporation in the United
States and other countries.
TM†* -- Netscape Communicator is also trademark of Netscape Communications Corporation,
which may be registered in other countries.
®** -- Apple, Mac, and Macintosh are trademarks of Apple Computer, Inc., registered
in the U.S. and other countries.
Copyright Bank of Montreal
We either own the intellectual property rights in the underlying HTML,
text, images, audio clips, video clips, software and other content that is made
available to you on this Web site (the "Content"), or have obtained the permission
of the owner of the intellectual property in such content to use it on this
Web site.
Unless otherwise specified, no one has permission to copy, redistribute, reproduce
or republish in any form, any information found at this Web site. If you are
interested in establishing a link from your Web site to our home page, or if
you wish to incorporate any of our names, or our products names within another
site, please contact us for permission.
We grant to you a limited license to display the Content on your computer
and print the Content on your printer solely for your own personal non-commercial
use provided that you do not modify the Content and that you do not delete any
of the proprietary notices.
© 2001 Bank of Montreal All Rights Reserved
Important Legal Notices on Mutual Funds Online and Mutual Fund Investing:
- Past performance is not an indication of future returns.
Mutual Fund unit/share values, yields and investment returns will fluctuate.
The performance of a mutual fund over any previous period is not a guarantee
of future results. The principal value and the unit/share price will fluctuate
with changes in the market conditions. Your original investment may be worth
more or less than your cost when you redeem the units/shares.
- Read the prospectus of the fund you are buying.
A prospectus must be sent to you when you make your first purchase of any
fund. The simplified prospectus contains important information such as the
fund's objectives, strategies, risks and expenses charged to the fund by the
fund manager. It is important to read the prospectus carefully before you
invest to ensure that the fund's goals and potential risks are consistent
with your own. Mutual Fund investment units/shares are not insured by the
Canada Deposit Insurance Corporation or the Régie de l'Assurance-dépôts du
Québec or by Bank of Montreal.
- Reliability of information.
BMO InvestorLine's Mutual Funds Online service is provided for information purposes
only. It is not intended to provide legal, investment, accounting or tax advice,
and should not be relied upon in that regard. If you require legal or investment
advice, please obtain the services of a competent professional. While the
information supplied by Morningstar Canada is deemed to be reliable, BMO InvestorLine
has not independently verified any such data and does not guarantee its accuracy
or suitability for any purpose. Morningstar Ratings are provided by and are
the sole responsibility of Morningstar Canada.
- Tax Implications.
As a mutual fund investor, you may receive taxable distributions from your
mutual funds. These taxes can affect the actual returns you may realize from
your investment. We at BMO InvestorLine do not offer tax advice except to
say that you should consider the impact of taxes before you invest. Please
consult your tax advisor with any questions you may have in this regard.
- Sale Charges, Fees, and Performance.
BMO InvestorLine is not responsible for any information relating to the investment
performance of a mutual fund such as ratings, rankings, quotations, analysis
on rates of returns, volatility or any other measurement of performance as
presented. Management fees charged to any mutual fund will vary according
to the fund and the fund manager. While performance data usually reflects
the fees charged to the fund, some managers may waive a portion of their fees
over a period of time. This waiver would have the effect of increasing the
fund's reported returns and should be considered when evaluating the fund's
performance.
- Fund Registration.
Not all mutual funds are registered for sale in all provinces. Any communication
relating to mutual funds does not constitute an offer or solicitation by 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 such an offer or solicitation.
Prospective investors who are not resident in Canada should consult with their
financial advisor to determine if these securities may lawfully be sold in
their jurisdiction.
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