Please read these Terms of Use as they govern your use of Kinsted Wealth Inc.’s website and content. Each time you access or use the website it signifies that you accept and agree to the terms set out below.  If you do not agree to be bound or comply with these terms, do not access or use the website.

The use of this website is entirely at your own risk. The website is general in nature and is not intended to provide accounting, financial, investment, legal or tax advice in any form. You should not act or rely upon the content of this website without first seeking the advice of appropriate professional advisors. Except as stated in these Terms of Use, this website and any site content is provided to you on an “as is” and “as available” basis without any representation, warranty or condition as to accuracy, timeliness, completeness or availability. Kinsted and its directors, officers, employees, and agents exclude all warranties or conditions of any kind, whether express, implied or statutory in connection to this website and the downloading of any site content. You accept your own risk that the internet or other online communications media may not perform as intended as a result of human, mechanical or other error, despite the efforts of Kinsted, you, or any third party. 

This website has been published for use by residents of the Provinces of Canada where Kinsted’s products and services may be lawfully offered for sale. The information provided on this website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject Kinsted or any of its products or services to any registration requirement within such jurisdiction or country.  If you choose to access this website from a location other than Canada, you do so through your own initiative, and you are responsible for compliance with any applicable local laws.

You acknowledge that this website is protected by applicable trademark, copyright, patent and other intellectual property laws. Except for personal, non-commercial use you may not copy, reproduce, distribute or alter any materials found on this website without Kinsted’s written permission. 

The information contained on this website is unaudited, is for general information purposes only and is subject to change without notice. Kinsted does not guarantee that the information on this website is accurate, complete or current and accepts no liability whatsoever for any inaccuracies in the information provided or for any loss or damage of any kind arising out of the use of all or any part of this website. 

You agree to indemnify and hold harmless Kinsted and its directors, officers, employees and agents from and against any and all liabilities, expenses and costs including, without limitation, reasonable legal fees and expenses incurred by Kinsted and related parties in connection with any claim arising out of your use of the website.

Except to the extent prohibited by law, that Kinsted, its directors, officers, employees and agents will not be liable to you or anyone else for any consequential, incidental, special or indirect damage to your computer, loss or corruption of data, loss of profit, any losses that result from use of this website or any products or service deleted on this website which you suffer arising from your use, or inability to use, this website, whether or not, the circumstances giving rise to such loss or damage may within the control of Kinsted or within the control of any other party providing software or services support for this website.

Kinsted does not represent that the securities, products or services discussed on or accessible through this website are suitable for any particular investor. You acknowledge that your requests for information are unsolicited, and any provision of any information through this website shall not constitute or be considered investment advice, an offer to sell, or a solicitation of an offer to buy any securities.

Indicated rates of return and levels of income are for illustration purposes only, are not guaranteed and do not take fees or expenses of any kind into account. There may be fees and expenses related to the products and services presented on this website.

You should consult your investment advisor before acting based on any information provided on this website.

Kinsted reserves the right to monitor the use of the website. Kinsted’s practices concerning information gathered during website usage are explained below. These practices are consistent with and remain subject to Kinsted’s Privacy Policy which can be accessed from the link at the bottom of this website’s pages. This website utilizes a variety of technologies to collect, store, and aggregate data about usage patterns. These technologies help Kinsted to analyze how this website is used and tailor the site for its users. Except as noted herein, Kinsted does not collect any personally identifiable information about you unless you choose to give us such information when you use this website. If you are a registered user of this website who has enabled online access for your account(s), Kinsted collects all information that you submit when you use this website. In this manner, your general usage patterns and other information noted above would be linked to you specifically.

If you do give us personal information during your website use, we will collect, use and disclose that information to service your request and as otherwise described in our Privacy Policy. By using this website, you agree to the collection, use and disclosure of your personal information in accordance with our Privacy Policy. 

Kinsted has sole control over this website. Kinsted reserves the right, at its sole discretion, to change, modify, add or remove portions of these Terms of Use at any time. Kinsted suggests that you check these Terms of Use periodically for changes. Any changes, modifications, or additions to, or deletions from these Terms of Use shall be effective upon posting on the website.

Your use of this website is governed solely by the laws of the Province of Alberta and applicable federal laws of Canada.

Click here to read our Credential Account Agreement & Disclosure document.

The privacy policy of Kinsted Wealth Inc. (“Kinsted Wealth”) complies with the federal government’s Personal Information Protection and Electronic Documents Act (PIPEDA), as outlined by the Office of the Privacy Commissioner of Canada and the Province of Alberta’s Personal Information Protection Act (PIPA). PIPEDA incorporates the ten privacy protection principles that form the Canadian Standards Act (CSA) and forms the Model Code for the Protection of Personal Information. The CSA deals with the rights of individuals to have access to their personal information and to have it corrected, if necessary, as well as the ways in which an organization collects, uses and discloses your personal information.

Kinsted Wealth’s Privacy Policy and Principles

Accountability – All employees of Kinsted Wealth are required to follow the standards set out in this Privacy Policy and are required to sign a confidentiality and non-disclosure agreement as a condition of their employment. In addition, all employees are required to complete and pass a security background check prior to employment. Only employees who have been authorized and have a legitimate business purpose can access confidential personal information.

Purpose of Collecting Personal Information – The personal information we collect and use is limited to what is required to properly and effectively administer all plans and services offered by Kinsted Wealth to you, the account holder.

Consent – Consent for collection, use and disclosure of your personal information is obtained when an account is created with Kinsted Wealth, and the account holder accepts all agreements during the account creation process and by the use of Kinsted Wealth systems.

Limiting Collection – Personal Information collected is strictly limited to what is required to effectively administer all plans the account holder is a member of and to meet all regulatory and legal requirements. Information will be collected through the completion of Kinsted Wealth account creation process and through the information provided to us by your employer.

Limiting Use, Disclosure and Retention – The use of personal information we collect is limited to what is required to provide plan(s) administration service(s) as contracted by your employer and shall not be used or disclosed for any other purpose. Kinsted Wealth ensures all personal information collected is kept strictly confidential in a highly secure environment and will only be disclosed when authorized by you, when permitted by Law, or when required by Law. Your personal information shall be retained only as long as necessary for the fulfillment of those purposes.

Accuracy – Kinsted Wealth makes every effort possible to maintain complete, accurate and up to date personal information through the collection of information provided by the account holder and the employer.

Safeguards – All data stored within Kinsted Wealth infrastructure is protected with the highest commercial level of security protocols. All access and collection of personal information within our site meets or exceeds the most stringent encryption, to ensure the safety of all data that is exchanged during the account members’ Internet transaction(s).

Openness – Kinsted Wealth will make available its review policies and procedures regarding management of personal information. Kinsted Wealth will ensure individuals are reasonably able to acquire information regarding Kinsted Wealth’s policies and procedures and will make this information available in a form that is generally understandable.

Individual Access – All personal information is accessible through your online account with Kinsted Wealth. We encourage members to review and verify the completeness of their information and request modifications to this information to ensure its accuracy.

Customer Complaints and Suggestions – Questions or concerns regarding Kinsted Wealth’s privacy policies and procedures can be addressed by contacting us and speaking to Kinsted Wealth’s Chief Compliance Officer, who is responsible for Privacy and Principles at [email protected] or 403.532.8254.