By accessing and using this Website you acknowledge that you have read, understood, and agree to accept and be bound by the terms of the Legal Notices set out below. The Legal Notices may be modified by us from time to time without notice, by posting any changes within this document. Your continued access or use of the services provided by this Website will mean you accept the terms of the Legal Notices including any changes made to them. If you do not accept any of the terms below, please discontinue use of this Website and any of its associated pages. The laws of the Province of Ontario and any applicable federal laws of Canada will govern these terms and your use of this Website.

Legal Notices:

The services of Mackenzie are provided by investment professionals who are employed by Mackenzie Financial Corporation and Mackenzie Investments Corporation ("Mackenzie").

I. About Mackenzie

Mackenzie Financial Corporation is a multi-faceted investment management and financial services corporation founded in 1967. Mackenzie is a member of the IGM Financial Inc. group of companies (TSX: IGM) and operates directly in North America and internationally through partner sub-advisor firms. The company manages and administers more than 100 investment funds, including mutual funds, segregated funds, pooled funds, pension funds, labour sponsored funds and structured products. In addition, Mackenzie’s affiliates and its subsidiaries offer an array of loan, deposit and other financial products and services, as particularized below. Mackenzie Investments Corporation, the US entity, was founded in 2012.

II. Non-Canadian Investors

Mackenzie products and services are only offered in jurisdictions where they may be lawfully offered for sale. All products and services are subject to the terms of each and every applicable agreement. It is important to note that not all products, investment management services and information are available in all jurisdictions outside Canada and the United States. The material presented on this website is for informational purposes only and is intended for institutions, investment professionals, consultants and clients, and does not constitute an offer or solicitation of any kind to buy or sell any investment fund or any other product, investment, security, trading strategy or other service to anyone in any jurisdiction in which an offer or solicitation is not authorized or cannot legally be made or to any person to whom it is unlawful to make such an offer.  Prospective clients are responsible for determining whether any product or service may lawfully be sold in their jurisdiction. This website is reserved exclusively for non-U.S. persons.

III. Information

The contents of this Website are provided for informational and educational purposes and do not constitute specific advice regarding your personal investment situation or provide specific individual advice about investment, insurance, financial, legal, accounting, tax or similar matters.

Information contained on this Website is believed to be accurate and reliable when placed on this Website, however, we cannot guarantee that it is accurate or complete or current at all times. The information provided is subject to change without notice and Mackenzie cannot be held liable for any loss arising from any use of or reliance on the information contained on this Website.

IV. No Warranties

All information is provided “as is” without any warranties of any kind and Mackenzie and its affiliates and their respective officers, directors, employees or agents (collectively, the “Mackenzie parties”) make no representations and disclaim all express and implied warranties of any kind, including, without limitation, representations, warranties or conditions regarding accuracy, timeliness, completeness, non-infringement, merchantability or fitness for any particular purpose and the Mackenzie parties assume no responsibility to you or any third party for the consequences of any errors or omissions.

Unless otherwise expressly indicated, all information is unaudited and there is no representation that the financial information has been prepared in accordance with generally accepted accounting principles.


V. Indemnification

As a condition of use of this Website, you agree to indemnify Mackenzie for any and all claims, losses, liabilities and expenses, including, but not limited to legal fees, arising from any use of this Website or your violation of the Legal Notices.

VI. Use of Website

Mackenzie is not responsible in any manner and will not be liable to you or anyone else for any loss or damages whatsoever (including direct, indirect, special, incidental, consequential, exemplary or punitive damages, and without limitation, lost revenues or profits or loss of prospective economic advantage) resulting from your use or inability to make use of this Website or the information therein, and/or any web browsers, including any loss or damages you may suffer if you transmit confidential or sensitive information to us or if we communicate such information to you at your request over the Internet.

Furthermore, Mackenzie is not liable for any action or decision made by you in reliance on this Website or the information contained herein, or any unauthorized use or reproduction of the Website or the information, even if Mackenzie has been advised of the possibility of loss or damages or could have foreseen the loss or damages. Links to other websites from this Website are for convenience only.

VII. No Endorsements

Links to other websites or references to advice, opinions, information, products, services or publications other than those of Mackenzie at this Website do not imply the expressed or implied endorsement or approval of such websites, advice, opinions, information, products, services or publications by Mackenzie.

Links from or to websites outside of this Website are intended for convenience only. Mackenzie does not review, approve, endorse or control, and is not responsible for any sites linked from or to this Website, the content of those sites, the third parties named therein, or their products and services. Linking to any other site is at your own risk, and Mackenzie will not be responsible or liable for any damages in connection with linking.

VIII. Confidentiality (Internet and E-mail)

Mackenzie cannot ensure the privacy and authenticity of any information or instructions you send to us or that we send to you over the Internet. Mackenzie will not be responsible for any loss or 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.

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. Mackenzie is not responsible for and will not be liable for any loss or damages in connection with an E-mail containing personal or confidential information sent by you to Mackenzie, or an E-mail by Mackenzie to you at your request.

IX. Trademarks and Copyrights

Certain names, words, titles, phrases, logos, icons, graphics or designs or other content in the pages of this Website may constitute trade names, registered or unregistered trademarks or service marks (collectively, the “trademarks”) of Mackenzie and its affiliates or of third parties and are used under license by Mackenzie and its affiliates. However, the display of the trademarks on this Website does not imply that a license has been granted to any third party. All goodwill generated from the use of the trademarks on any Website will endure to Mackenzie’s benefit.

All information on this Website is protected under the copyright laws of Canada and other countries. The information is for your personal, educational and non-commercial use only and may be used and reproduced provided that it is not modified and that you maintain all copyright and other notices contained in the Website. The contents of the Website may not be otherwise used, copied, redistributed, reproduced, republished, stored in any medium, retransmitted, modified or broadcasted, in any form.

Nothing in this document shall be construed as conferring any right or license under any copyright of Mackenzie or any other person who owns the copyright in the content provided on our Website.

Mackenzie disclaims any and all liability that may result from any unauthorized reproduction or use of the information from this Website.

Any unauthorized downloading, retransmission, or other copying or modification of trademarks and/or the contents of this Website may be a violation of any federal or other law that may apply to trademarks and/or copyrights and could subject the violator to legal action.

X. Use of Intellectual Property Rights

Mackenzie either owns 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 our Website, or has obtained the permission of the owner of the intellectual property in such content to use the content on our Website.

Mackenzie grants you a non-exclusive, personal, non-transferable, non-sublicensable, limited and revocable right to display on your computer, print, download and use the underlying HTML, text, images, audio clips, video clips, software and other content that is made available to you on our Website for your personal, educational and non-commercial use only, provided that you do not modify any such content and you include with and display on each copy of such content the associated copyright notice and this intellectual property notice. No other use is permitted.

You may not publicly perform, publicly display, transmit, publish, participate in the sale or transfer of, modify, or create derivative works based on anything available through the Website, in whole or in part. You are prohibited from storing electronically any significant portion of any part of the Website. No reverse engineering, linking, framing, or modification of any part of this Website is allowed without our written approval. Any modification or unauthorized use is a violation of Mackenzie’s intellectual property rights and other proprietary rights.

XI. Index Disclosure
The indices cited are widely accepted benchmarks for investment performance within their relevant regions, sectors or asset class, represent non-managed investment portfolios, and are not necessarily indicative of future investment returns.

XII. Borrowing Money to Buy Securities (Leveraging)

A purchase of securities with borrowed money involves greater risk than a purchase using cash only. The extent of that risk depends on the circumstances of the investor and the type of investment purchased. If cash is used to pay for the securities purchase in full, the percentage gain or loss on the investment will equal the percentage increase or decrease in the value of the securities. The purchase of securities using borrowed money magnifies the gain or loss on the cash invested. This effect is called leveraging.

An investor should also be aware of the terms of a loan used to purchase securities. The lender may require that the amount outstanding on the loan not rise above an agreed percentage of the market value of the securities. In these circumstances, the investor must pay down the loan or sell the securities to return the loan amount to the agreed percentage. If the investor does not have enough cash, the investor must sell securities, even at a loss, to provide money to reduce the loan.

Money is also required to pay interest on the loan. Investors who borrow money to purchase securities should have adequate financial resources available to pay interest and reduce the loan if necessary.

XIII. Independent Views

Views expressed regarding a particular company, security, industry or market sector are the views of only that speaker/author as of the time expressed and do not necessarily represent the views of Mackenzie. Any such views are subject to change at any time based upon markets and other conditions and Mackenzie disclaims any responsibility to update such views. These views are not a recommendation to buy or sell and may not be relied on as investment advice and, because investment decisions for Mackenzie funds are based on numerous factors, may not be relied on as an indication of trading intent on behalf of any Mackenzie fund.

Speculation or stated beliefs about future events, such as market and economic conditions, company or security performance, upcoming product offerings or other projections are “forward-looking statements”. These forward-looking statements represent the beliefs of the speaker/author and do not necessarily represent the views of Mackenzie. General business, market, economic and political conditions could cause actual results to differ materially from what the speaker/author presently anticipates or projects.

XIV. Forward-Looking Statements

This Website may contain forward-looking statements which reflect our current expectations or forecasts of future events. Forward-looking statements include statements that are predictive in nature, depend upon or refer to future events or conditions, or include words such as “expects”, “anticipates”, “intends”, “plans”, “believes”, “estimates”, “preliminary”, “typical”, and other similar expressions. In addition, these statements may relate to future corporate actions, future financial performance of a fund or a security and their future investment strategies and prospects. Forward-looking statements are inherently subject to, among other things, risks, uncertainties and assumptions which could cause actual events, results, performance or prospects to differ materially from those expressed in, or implied by, these forward-looking statements. These risks, uncertainties and assumptions include, without limitation, general economic, political and market factors in North America and internationally, interest and foreign exchange rates, the volatility of global equity and capital markets, business competition, technological change, changes in government regulations, changes in tax laws, unexpected judicial or regulatory proceedings, catastrophic events and the ability of Mackenzie to attract or retain key employees. The foregoing list of important risks, uncertainties and assumptions is not exhaustive. Please consider these and other factors carefully and not place undue reliance on forward-looking statements.

The forward-looking information contained on this Website is current only as of the date the statement was made. There should not be an expectation that such information will in all circumstances be updated, supplemented or revised whether as a result of new information, changing circumstances, future events or otherwise.

XV. Termination
You acknowledge and agree that Mackenzie may restrict, suspend or terminate your access to, and use of, all or any part of this Website, including any links to third party websites, at any time, with or without cause, including, without limitation, any breach of the terms of the Legal Notices set out herein, in Mackenzie’s absolute discretion and without prior notice or liability.
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