Privacy Statement and Terms of Use
Our Privacy and Commitment to Protecting your Privacy
Dave Acheson values your business and we thank you for your confidence in choosing our firm as your source of advice and product. As our client, you trust us with your personal information. We respect that trust and want you to be aware of our commitment to protect the information you share in the course of doing business with us. Your Rights as they pertain to your personal information
- You have the right to know why an organization collects, uses or discloses your personal information.
- You have the right to expect an organization to handle your information reasonably and to not use it for any other purpose other than the one to which you consented.
- You have the right to know who in an organization is responsible for protecting your information
- You have the right to expect an organization to protect your information from unauthorized disclosure.
- You have the right to inspect the information an organization holds about you and make sure it is accurate, complete and current.
- You have the right to expect an organization to destroy your information when requested or when no longer required for the intended original purpose.
- You have the right to confidentially from an organization about how it handles your information and to the Privacy Commissioner of Canada if need be.
How we Collect, Use and Disclose Your Information
When you do business with us, you share personal information so that we may provide you with products and services that best meet your needs. We assume your consent allows our firm to use this information in an appropriate manner. We may use and disclose this information in order to:
- Communicate with you in a timely and efficient manner
- Assess your application for investment, insurance and other services available to you by our firm
- Evaluate claims and underwriting risks when required
- Detect and prevent fraud
- Analyze business results
- Act as required or authorized by law
What We Will NOT Do With Your Information
We do not sell client information to anyone; nor do we share client information with organizations outside of our relationship with you.
We Strive to Protect Your Personal Information*
All employees, associated advisors and suppliers who are granted access to client records understand the need to keep this information protected and confidential. They know they are to use the information only for the purpose intended. This expectation is clearly communicated. We’ve also established physical and systems safeguards, along with proper processes, to protect client information from unauthorized access or use.
Upon accessing and utilizing this website, all users are agreeing to comply by the following terms of use. These terms apply to all content, products, and services contained within this website.
1. Responsibility of Contributors
If you contribute any content to this website, you are accepting all responsibility for the content. Therefore, you will be held liable for any harm that results from the use of that content. Any type of content (text, images, graphics, etc.) contributed to this website must not:
- Infringe the proprietary rights of a third party
- Contain any viruses or other destructive content
- Be spam or unwanted commercial content
- Contain offensive material
2. Responsibility of Visitors
Visitors of this website are to be responsible for taking precautions when reviewing, using, or downloading material from this website. The material posted to this site has not been, and cannot be, 100% reviewed, and therefore Dave Acheson cannot be responsible for the material’s content, use, effects, or accuracy. Dave Acheson disclaims responsibility of any harm or loss resulting from the use of this website.
3. Content Posted on Other Websites
Dave Acheson is not responsible for content found or used via links to other website. We have not reviewed or endorsed the material contained within any outside websites, and disclaim any responsibility for any harm or loss resulting from the use of these external sites.
4. Copyright Infringement
We as that you respect the intellectual property rights of our website and Dave Acheson, as well as the intellectual property rights of others. Any visitors found repeatedly infringing upon copyrights will no longer be allowed to access the site. If visitors see material on the website that does violate intellectual property rights of any kind, we ask that you notify our staff immediately so appropriate action can be taken.
5. Intellectual Property
Your use of this website does not give you permission to reproduce or use any trademarks, service marks, graphics, or logos representing Dave Acheson or those representing third-parties.
6. Termination
We maintain the right to terminate your access to all or any part of this website at any time, with or without cause, and with or without notice.
7. Disclaimer of Warranties
This website disclaims all warranties that the content within will be error free or that access to the site will be unlimited, continuous, or uninterrupted. Visitors use, download, or obtain services at their own discretion and risk.
8. Limitation of Liability
In no event will Dave Acheson be liable, with respect to any subject matter of this agreement, under any legal theory for any loss, damages, cost or harm of any kind.
9. General Representation
By using this website, you agree to act in strict accordance with this agreement, the privacy policy, as well as all applicable laws and regulations.
10. Indemnification
You agree to indemnify and hold harmless Dave Acheson and all of its staff members from and against any and all claims and expenses, including attorney’s fees, arising out of your use of this website, including but not limited to your violation of this agreement.
11. Miscellaneous
Through use of this website, users agree to all subject matter included in these terms of service. These terms can be modified or updated by executives of the Dave Acheson at any time. This website will be governed by the laws of the province of Balanced Financial Planning, Canada. If any part of this agreement is deemed invalid, that part will be construed to reflect the parties’ original intent, while the remaining sections of the agreement will remain in full force.
12. License
Dave Acheson is life licensed in Newfoundland
Privacy & Terms of Use
By accessing this website and any pages thereof, you agree to be bound by the terms of the Legal Notices and Disclaimers set out below. If you do not agree with the terms and conditions of these Legal Notices, do not access this website or any pages thereof.
Internet Communications
Without the use of secure encryption, the Internet is not a secure medium and privacy cannot be ensured. Internet e-mail is vulnerable to interception and forging. We cannot ensure the privacy and authenticity of any information, and will not be responsible for any 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.
No Advice
The information provided on this website is intended for informational purposes only and is not intended to constitute financial, accounting, and legal or tax advice. For information specific to your situation you should consult a professional.
Accuracy and Changes
Facts and information provided on this website are believed to be accurate at the time they are posted. However, this website could include inaccuracies, typographical errors, or out-of-date information. Changes may be made at any time to the information on this website without prior notice
Disclaimer of Warranty and Limitation of Liability
We do not warrant the accuracy, completeness, quality, adequacy or content of any information on this website. Such information is provided “as is” without warranty or condition of any kind, either expressed or implied, including, without limitation.
We will not be responsible or liable for any direct, indirect, special, incidental, or consequential damage, or any other damages whatsoever, including, without limitation, lost revenues, lost profits or loss of prospective economic advantage, resulting from the use of or misuse of or inability to access or use this website.
No Solicitation
Nothing on this website constitutes a solicitation or offer by us to buy or sell products or provide services of any kind whatsoever. You should always contact a professional.
Applicable Jurisdiction
The information on this website is intended for use by persons resident in Canada, in the Province of Newfoundland[nbsp_tc]only. Any products or services mentioned on this website are made available only in accordance with local law (including applicable securities laws) and only where they may be lawfully offered for sale.
Third Party Links
Links to other websites are for convenience and information only and are independent from this site and therefore we have no control over the content of a lined website and will not be held liable for any inaccuracies in such information for the content of any linked website that are not maintained by us. We make no claims that third party websites will be free of viruses, Trojan horses or other destructive components on or from such links. Linking to another website is done at your own risk.
Material to be Consulted in its Entirety
All information on this website is meant to be reviewed in its entirety, including any footnotes, legal disclaimers, restrictions or disclosures, and any copyright or proprietary notices.