The purpose of this website is to provide general information about Macnaughton & Ward Financial Services Ltd. (MWFS) and the services offered.

Please read the following terms and conditions carefully before using this web site. You should review these terms and conditions regularly as they may change at any time at our sole discretion. The following terms and conditions apply to all of our web sites, including any web sites owned, operated or sponsored by any of our subsidiaries or affiliates but we may add to or supersede certain provisions of these terms and conditions with other provisions located in other parts of all of our web sites.

1. Liability

Under no circumstances shall we be liable for any direct or indirect, special, incidental or consequential damages that may arise from your use of, or inability to use, this website.  Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

This website content is provided “as is” and without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability and fitness for a particular purpose.

2. We Do Not Have Responsibility for Links to Third Party Content

Links to third party website are provided for your convenience and information only.  The content in any linked website(s) is not under our control and we are not responsible for it. We reserve the right to terminate a link to a third party web site at any time. The fact that we provide a link to a third party web site does not necessarily mean that we endorse, authorize or sponsor that web site, nor that we are affiliated with the third party web site's owners or sponsors. If you wish to link to any MWFS site, please contact our webmaster for instructions.

3. Changes and Updates

The Data published on this site is updated regularly. MWFS and its supplier partners and licensees may make improvements or changes in the service or the contents of any site at any time. Users are responsible for refreshing the site to obtain the current information.

4. Privacy/Treatment of Information or Data Transmitted to Us

Personal information transmitted to us will be treated in accordance with our Privacy Policy.

We collect information through technology to enhance our ability to serve you. For example, when you arrive at one of our websites, we may collect your respective IP address. This IP address is associated with the portal which you used to log-in to the Internet, such as your ISP (Internet service provider), company, association or university. It should be noted, however, that your IP address will generally not identify you personally. From time to time, we use these IP addresses to study the frequency of visits to various sections of our website.

5. Proprietary Rights & Restricted Use

This web site's content is copyrighted and protected by Canadian copyright laws and provisions. In addition, this web site's content is protected by trademark laws, the laws of privacy and publicity, and communication regulations and statutes. You are not authorized to post on or transmit to or from this web site any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, or profane material, or any other content that could give rise to any civil or criminal liability under the law.

You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this web site, without the prior written permission of MWFS.

6. By Providing Content, We Do Not Allow You to Use Trademarks Referenced in This Web Site

MWFS is the copyright owner of all text contained on this web site. Other parties' trademarks and services marks that may be referred to are the property of their respective owners. Nothing on this web site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark without our written permission. The name of Macnaughton & Ward Financial Services Ltd. Macnaughton & Ward Financial, MWFS, or our logo may not be used in any way, including in advertising or publicity pertaining to distribution of materials on this web site, without prior written permission. You are not authorized to use our logo as a hyperlink to this web site unless you obtain our written permission in advance.

7. All Products and Services May Not be Available in Your Area

The information provided in this site has been provided only in accordance with Canadian laws and may not satisfy the laws of other countries. Further the availability of some products and services may be limited to Canadian residents only.

8. Licensing

Certain individuals affiliated with MWFS are contracted with and offer insurance and investment services through MWFS and/or Networth Financial Corp. (NFC), a registered dealer for mutual funds in British Columbia, Alberta and Ontario and a member of the Mutual Fund Dealers Associations). Individuals affiliated with MWFS are authorized to offer only those insurance and investment services or mutual funds that have been specifically approved by MWFS or NFC accordingly.  Additional information about individuals registered with the provincial securities commission can be found on Canadian Securities Administrators’ National Registration Search

MWFS is responsible only for business licensed under the Insurance Councils of the provinces in which it is licensed and NFC for business licensed under the Provincial Securities Act & Regulations. MWFS and NFC do not supervise or review any other business. Our representatives may conduct other business licensed under the Financial Institutions Act, which is the responsibility of another licensed entity, & is not the responsibility of MWFS or NFC.

For information about which individuals associated with MWFS are registered with NFC, as well as information about which insurance and investment services such individuals are authorized to offer on MWFS or NFC’s behalf, please contact MWFS at 1.800.397.0115 or NFC at 1.888.688.992.

9. Termination or Suspension of Access

MWFS may remove Data or terminate the User’s account, without prior notice, if MWFS believes, in its sole discretion, that the User is in breach of this User Policy.

10. General Advice Warning

This website contains general advice only and does not take into account your individual objectives, financial situation or needs. Before acting on this advice you should assess whether it is appropriate for you. You should also consider the relevant Product Disclosure before making any decision about a product detailed on this website.

The information is intended for Canadian residents only and does not constitute an offer to non-residents unless otherwise indicated. Any guarantees are provided solely by the life insurance company manufacturers or financial institutions as indicated in the policy contract or account.