Terms & Conditions

This Notice covers the Terms and Conditions of InHouseCFO Inc. (“InHouse”). Please read these terms, conditions, and disclaimers carefully. By accessing this Web site, you agree to be bound by all of these terms and conditions. InHouse may change these terms and conditions, including the addition of new terms and conditions, from time to time without notice by posting the most recent version on the sites within www.InHouseCFO.com. Please access and review this section regularly. If you find any of the terms or conditions unacceptable to you at any time, please discontinue your use of this Web site. By continuing to access this Web site after the date of any changes to these terms and conditions, you agree to be bound by the new or changed terms and conditions.

These terms and conditions are in addition to those that apply to any other relationships you may have with InHouse. Where appropriate, please review those specific terms and conditions.

Non-Responsibility
InHouse and its affiliates are not responsible in any manner for direct, indirect, special or consequential damages, howsoever caused, arising out of use of online banking, use of this Web site, or reliance on the information or services provided by either. InHouse and its affiliates will not be responsible for any losses 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.

Available Only Where Permitted by Law
The products and services described in pages of the Web site of InHouse are only offered in jurisdictions where they may be legally offered for sale.

Applicable Agreements and Disclosures
All products and services of InHouse and any of it’s affiliates are subject to the terms of this section as well as the terms of applicable agreements. The appropriate disclosures will be mailed to customers when they become clients. You may request these documents before becoming a client by calling 1-604-541-9402.

Use of Information Included on this Web site
Any financial market data, including quotes, charts and news are provided by various information suppliers that are independent of InHouse and its affiliates. 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 a InHouse professional or your tax or legal advisor or other financial provider before acting on any information on this Web site.

Calculators
Calculators or projections are provided for general illustrative purposes only and are not warranted to be accurate or complete.

Accuracy and Changes
Facts and information, when placed on this Web site, were believed to be accurate. Product offers, rates, terms and other information provided herein are subject to change without notice. Completeness or accuracy of the information provided herein is not guaranteed.

Hyperlinks are Not Endorsements
Links to other Web sites or references to other products, services or publications do not imply the endorsement or approval of such Web sites, products, services or publications by InHouse or its affiliates. Third party Web sites reached through links from our Web site may also have privacy and security policies different from InHouse and its affiliates, and may provide less security. We are not responsible for the collection, use, or security of information by companies outside of InHouse that may be linked to on our Web site. Please review the privacy and security policies of Web sites reached through links from the InHouse Web site.

Trademarks Belonging to InHouse or Other Web site Entities
Certain names, graphics, logos, icons, designs, words, titles or phrases at this Web site may constitute registered trade names, trademarks or service marks of InHouse or other entities. The display of the above on pages at this Web site does not imply that a license of any kind has been granted. Any unauthorized downloading, re-transmission or other copying or modification of the above and/or the contents herein may be a violation of the law and could subject those engaging in such activities to legal action.

Copyright InHouse 2005 – 2008

All information at this site is protected under the copyright laws of Canada and in other countries. In addition, certain information may have been copyrighted by others. Unless otherwise specified, no one has permission to copy, redistribute, reproduce or republish in any form, any information found at this Web site. Inquiries about permission should be directed to:

Marketing Department,

InHouse CFO Inc.
1 Dundas St. W., #2500

Toronto ON M5G 1Z3

Disclaimer of Warranty and Limitation of Liability
INHOUSE AND ITS AFFILIATES DO NOT WARRANT THE ACCURACY, COMPLETENESS, QUALITY, ADEQUACY OR CONTENT OF ANY INFORMATION OR TOOL ON THIS WEB SITE NOR DOES IT MAKE ANY WARRANTS 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.

INHOUSE AND ITS AFFILIATES 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 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 ARE REASONABLY FORSEEABLE.

Important Notices
If you choose to access any software available through links from this Web site, you should take reasonable and appropriate precautions to scan for computer viruses and ensure compatibility of the software with your specific computer system. You should also ensure that you have a complete and current backup of the information contained on your computer system prior to installing such software.

This Privacy Policy Notice (the "Notice") covers the policies and practices of InHouseCFO Inc. (“InHouse”)

Protecting Your Privacy
InHouse recognizes that safeguarding personal and financial information about our clients is an essential commitment that we make and trust we hold. In this regard, we have adopted certain policies and procedures concerning the use of personal and financial information we collect about our clients. These policies and procedures govern the activities of our officers, directors and employees and strictly limit our ability to use or distribute personal and financial information about you. This Notice outlines those policies and procedures.

Collection of Information
We may receive personal and financial information about you from the following sources:

• Information you provide us on applications or other forms or which may be publicly available (this includes your name, address, social security number, assets and income);
• Information you direct or authorize us to obtain from third parties such as advisers or custodians (including investment, legal, insurance or other financial advisers, or brokerage houses, banks or asset custodians);
• Information you give us orally; and
• Information about your financial transactions with us (such as your account balance, usage or loan history) or others.

We do not disclose any personal or financial information about our clients or former clients without their authorization or direction, except as disclosed below.

Sharing Information Within Affiliated Companies
We may share information about you with our affiliated companies, such as affiliated websites (Financial Curmudgeon.com), our affiliated brokerage company and other affiliated financial services companies, as reasonably needed to provide you with investment, tax, insurance and other financial services that you have engaged us to perform, or otherwise to identify services which may serve your financial, investment or planning objectives. However, in all such instances, we restrict access to your personal and financial information to those employees who have reasonable need to know that information to provide or identify such services to you.

Opt Out As an individual, you have the right to instruct us not to share among any of our affiliated financial service companies certain information from your account applications or information received from third parties (other than information about your transactions or experiences with us). Please notify your Client Service Director at InHouse if YOU WOULD LIKE US TO LIMIT THE SHARING OF THIS OTHER INFORMATION.

If you have previously contacted us regarding your request, you do not need to contact us again. Your request not to share this information will apply to all of your accounts with us including any new account you open after your original request. If two or more customers jointly own an account or obtain a service, the request not to share information will apply only to the customer making the request unless otherwise directed by you.

Information Sharing With Unaffiliated Third Parties Is Permitted By Law.
From time to time, we may also provide information to unaffiliated third parties (such as brokers, other financial, legal, insurance or investment advisers, or custodians) to complete a transaction you have requested, to help us service your account or as specifically directed by you or your agent. However, any such disclosure not specifically requested by you will only be as permitted by law and only as reasonably necessary for InHouse or such third parties to provide the agreed services to you. All companies with whom we do business are contractually obligated to comply with strict standards regarding security and confidentiality, and the information can be used only for the sole purpose of providing the service we have requested the company to perform.

Sharing Information In Other Situations
We may also disclose information about you as required by law, such as when we respond to subpoena or other legal process or reporting to a credit bureau. When responding to a subpoena or other legal process, we will provide you with any required notice and, whenever practicable, we will discuss our response with you.

Keeping Information Safe And Accurate
We limit access to information we have about you to those employees who have a reasonable need to know to provide you with services to help you meet your financial needs. We maintain physical, electronic and procedural internal safeguards that comply with federal laws and regulations to guard the information we have about you.

An Ongoing Commitment To Your Privacy
We are just as committed to protecting the privacy of our former clients as we are of our current clients. If you choose to end your relationship with us, you will continue to be protected by the privacy policies and principles described in this policy or any future amendments to this policy.

Other Ways To Protect Your Privacy
There are several things you can do to protect yourself and your family from identity theft and related crimes. Helpful tips can be found on the Government of Canada’s website at www.safecanada.ca/identitytheft_e.asp. This website also provides you with important information on what you should do if you believe you are a victim of identity theft. If you have been a victim of identity theft, please contact you Client Services Director at InHouse so we can assist you with any issues related to your accounts at Harris.

This Notice Does Not Expand Legal Obligations
This Notice is not intended to create any liability other than that already found in the law.

This notice is effective December 1, 2005.