If you access or use this Website (the "Website"), you acknowledge that you have read, understood, and agree to accept and be bound by the terms of the Legal Notices (the "Legal Notices") set out below. If you do not accept any of the terms below, please discontinue use of this Website, and any of its associated pages.
 

Guardian Group of Funds Ltd. ("GGOF") is a mutual fund management company and separate indirect subsidiary of the Bank of Montreal. GGOF is currently registered as a "mutual fund dealer" in the province of Ontario and is a member of the Investment Funds Institute of Canada.

The BMO Financial Group ("BMO") includes the Bank of Montreal and its subsidiaries and affiliates who provide deposit, investment, loan, securities trust, insurance and other products or services. Subsidiaries and affiliates include BMO Investments, BMO InvestorLine Inc., BMO Nesbitt Burns Inc., BMO Nesbitt Burns Ltee/Ltd., Jones Heward Investment Counsel Inc., Guardian Group of Funds Ltd. and BMO Harris Investment Management Inc. (formerly "Jones Heward Management Inc.")

B. Mutual Funds

Sales commissions, service fees, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. The indicated rates of return are the annual compound total returns for the periods shown and, where applicable, the calendar year rates of return, including changes in unit value and assuming reinvestment of all distributions, and do not take into account sales, redemption or optional charges or income taxes payable by any security holders, which would have reduced returns. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

 

Products and services of GGOF 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, services and information are available in all jurisdictions outside Canada. The information contained in this Website does not constitute an offer or solicitation by anyone to buy or sell any currency, investment fund or other product, service or information to anyone in any jurisdiction in which an offer or solicitation is not authorized or cannot be legally made or to any person to whom it is unlawful to make an offer of solicitation. Prospective investors who are not resident in Canada should consult with their financial advisor to determine if these securities may lawfully be sold in their jurisdiction.

If you choose to access this Website from outside of Canada, you do so on your own initiative and are responsible for compliance with applicable local, national or international laws. You may not use or export or re-export any of the information contained in this Website or copy any adaptation in violation of any applicable laws or regulations, including export laws and regulations of Canada in force from time to time.

BMO is not responsible in any manner and will not be liable to you or anyone else for any damages whatsoever (including direct, indirect, incidental, special, consequential, exemplary or punitive damages, and without limitation, lost revenues or profits or loss of prospective economic advantage) arising out of your use or inability to make use of this Website or the information therein, and/or any web browser, including any 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, we are not liable for any action or decision made by you in reliance on this Website or the information contained therein, or any unauthorized use or reproduction of the Website or the information, even if BMO has been advised of the possibility of damages. Links to other websites from this Website are for convenience only. No endorsement of any third party products, services or information is expressed or implied by any information, material or content referred to or included on, or linked from or to this Website.

All products and services of BMO are subject to the terms and conditions of the applicable agreements governing their use. These Legal Notices are to be read by you together with any terms, conditions or disclaimers provided in the pages of this Website. In the event of any conflict, the terms provided in the pages of the Website will govern.

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 trade-marks or service-marks ("Trade-marks") of the members of BMO, including GGOF or of third parties and are used under licence by GGOF or the other members of BMO. However, the display of trade-marks on pages of this Website does not imply that any licence has been granted to any third party. Trade-marks may be registered in Canada and in other countries.

® "BMO (M Roundel)" is registered trade-marks of the Bank of Montreal, used under licence.

All information in this Website is protected under the copyright laws of Canada and other countries. Users of this Website shall be entitled to copy any information for their own personal use but may not republish or reproduce any such information in any manner, including electronic reproduction by "uploading" or "downloading", without the prior written consent of the Bank or GGOF. Otherwise, no one has permission to copy, redistribute, reproduce or republish, store in any medium, re-transmit, modify or make public or commercial use of, in any form, any information found in the pages of this Website.

Any unauthorized downloading, re-transmission, or other copying or modification of trade-marks or other contents of this Website may be a violation of statutory or common law rights which could subject the violator to legal action.

Nothing contained in this section shall be construed as conferring any right or licence under any copyright of GGOF, BMO, or any other person who owns the copyright in the content provided on this Website.

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

Links from or to websites outside of this Website are intended for convenience only. BMO 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 BMO will not be responsible or liable for any damages in connection with linking. Links to downloadable software sites are for convenience only and BMO is not responsible or liable for any difficulties associated with downloading the software. While every effort is made to ensure that all software provided at this Website, or at a link from this Website, is suitable for use on a wide variety of computer systems, you should take reasonable and appropriate precautions to scan for computer viruses and ensure compatibility of the software with your specific computer system. Use of any downloaded software is governed by the terms of licence agreement, if any, which accompanies or is provided with the software.

Confidentiality and security of information over the Internet is not possible at this time. GGOF cannot ensure the privacy and authenticity of any information or instructions you send to us or that we send to you over the Internet. GGOF 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.

BMO and its officers, directors, employees or agents provide the Website on an "as is, where is" basis and do not make any express or implied warranties, representations, endorsements or conditions with respect to the Website or the information contained therein, including without limitation, warranties as to merchantability, operation, non-infringement, usefulness, completeness, accuracy, timeliness, reliability and fitness for a particular purpose. Further, BMO does not represent or warrant that the Website will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors (including typographical) or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have the sole responsibility for adequate protection and backup of data and/or equipment and to take reasonable and appropriate precautions to scan for viruses or other destructive properties. Some jurisdictions do not allow for the exclusion of implied warranties, so the above may not apply to you.

This Website is administered by GGOF from its offices in Canada. This Website will be governed by and construed in accordance with the laws of the Province of Ontario and the laws of Canada applicable therein, without giving effect to any principles of conflicts of laws. All disputes, controversies or Claims arising out of or in connection with this Website shall be submitted to and be subject to the jurisdiction of the Courts of the Province of Ontario. As a user, you submit and attorn to the exclusive jurisdiction of the courts of the Province of Ontario to finally adjudicate or determine any suit, action, or proceeding arising out of or in connection with this Website.

GGOF 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.

GGOF grants you its limited permission 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 non-commercial, personal or educational purposes only, provided that:

No other use is permitted. Without limiting the foregoing, you may not:

Notwithstanding the above, nothing contained in this Section shall be construed as conferring any right or licence under any copyright of GGOF or any other person who owns the copyright in the content provided on our Website.

Currently two provinces, British Columbia and Quebec have enacted legislation requiring certain organizations including mutual fund companies to have policies and procedures in place to permit investors or their agents to locate unclaimed property that we may be holding. Unclaimed property would include mutual fund units held in an account with us or uncashed cheques for distributions/dividends paid by a fund or proceeds on redemption of a fund.

GGOF maintains a list of unclaimed property owners whom we have been unable to contact. If you would like to request a search of our database, please contact our Client Services Department by calling toll-free 1-800-668-7327 or by e-mail at clientservices@bmoguardian.com