Terms of Use

Introduction

This Terms of Use and Online Services Agreement (the “Terms of Use”) governs your access to and use of: (i) www.infinityfinances.ca; (ii) any other Infinity Financial website or Infinity Financial mobile application that includes a link to these Terms of Use or where these Terms of Use appear (collectively, the “Site”); and (iii) the Content (as defined below). These Terms of Use thus govern any account that you create with us online, whether through the Site, an Infinity Financial mobile application, and /or your use of any of the services associated with your online account or that are otherwise available through the Site (collectively, the “Online Services”). Certain Online Services and other Content may only be available to certain users, and such availability will depend on your relationship to Transamerica. Therefore, some provisions of these Terms of Use may not apply to you.

PLEASE NOTE THAT THESE TERMS OF USE REQUIRE BINDING ARBITRATION OF DISPUTES RELATED TO THE ONLINE SERVICES (see below for details). If you have securities, an investment account, a retirement account, a pension account, contract, annuity, an insurance policy or certificate or any other account, product or service with us (“Product(s)”) you will be treated as a Customer under these Terms of Use and your customer relationship with Infinity Financial may be subject to other agreements related to your Products (“Product Agreements”). If you are a party that has a selling agreement, distribution agreement, enrollment agreement, agency, solicitation, plan services agreement, third party administration agreement, or other service, distribution or selling agreements with us (collectively “Business Agreements”) you will be treated as a Business under these Terms of Use. Such Business Agreements may contain terms that are different from those set forth in these Terms of Use. In the event of any conflict between these Terms of Use and either Product Agreements or Business Agreements, including provisions with respect to arbitration set forth herein, your Product Agreements and/or Business Agreements control.

For purposes of these Terms of Use, the terms “Infinity Financial,” the “Company,” “we,” “us,” or “our” means Infinity Financial and all of its parents, subsidiaries and affiliates, including those of its parent, Aegon N.V., World Financial Group Insurance Agency of Canada Inc. PLEASE READ THESE TERMS OF USE CAREFULLY. IF YOU ACCESS THE SITE OR THE CONTENT, YOU ARE AGREEING TO THESE TERMS OF USE. YOU WILL BE REQUIRED TO REVIEW AND AFFIRMATIVELY ACCEPT THESE TERMS OF USE IN ORDER TO ESTABLISH AN ONLINE ACCOUNT WITH US AND TO ACCESS THE ONLINE SERVICES. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, YOU MAY NOT ACCESS OR USE THE SITE, CONTENT, OR ONLINE SERVICES. WE RESERVE THE RIGHT TO MAKE CHANGES TO THESE TERMS OF USE AT ANY TIME BY POSTING AN UPDATED VERSION AT THE SITE. WE WILL INDICATE THAT CHANGES TO THESE TERMS OF USE HAVE BEEN MADE BY UPDATING THE “LAST REVISED” DATE SET FORTH ABOVE. FOR THOSE WITH AN ONLINE ACCOUNT, UPON A MATERIAL UPDATE TO THESE TERMS OF USE YOU WILL BE REQUIRED TO REVIEW AND ACCEPT THE THEN- CURRENT TERMS OF USE PRIOR TO LOGGING-IN AND ACCESSING YOUR ONLINE ACCOUNT. ALL SUCH CHANGES WILL BE EFFECTIVE UPON POSTING UNLESS OTHERWISE STATED. YOU SHOULD PERIODICALLY VISIT THESE TERMS OF USE TO REVIEW THE MOST CURRENT TERMS OF USE. YOUR CONTINUED USE OF THE SITE AND ONLINE SERVICES FOLLOWING CHANGES TO THESE TERMS OF USE CONSTITUTES YOUR ACCEPTANCE OF SUCH CHANGES.

Proprietary Nature of Site and Content

The material and content accessible on or generated by this Site including (without limitation), applications, calculators, software, text, articles, reports, audio and video files, images, trademarks, service marks, logos, and icons (the “Content”) is owned or licensed by the Company and protected by copyright and other laws in Canada and other countries. Subject to your compliance with these Terms of Use, the Company grants you a limited, personal, nontransferable, nonsublicensable, revocable license to access and make non-commercial (excepted as permitted in the following sentence) use of the Site, the Content and the Online Services only in the manner approved by the Company. Unless you are an authorized distributor or financial broker appointed with us wherein your written agreement addresses your rights to use and modify Content, neither the Site nor the Content may be used for any commercial purpose or be framed, copied, reproduced, performed, displayed, distributed, republished, uploaded, posted, scraped, spidered or transmitted in any way, without our prior written consent, which may be withheld in our sole discretion, except that you may print out or electronically save a copy of the Content, these Terms of Use and the Online Privacy Statement for your personal use and records. In doing so, you may not remove or alter any copyright, trademark, service mark, or any other proprietary notice or legend or regulatory disclosure appearing on any of the Content. Modification or use of the Site or Content except as expressly provided in these Terms of Use violates the intellectual property rights of the Company and its licensors. Except for the limited license granted above, the Company does not convey any interest in or to the Site or Content by permitting you to access the Site. All rights not expressly granted to you in these Terms of Use are reserved and retained by the Company or its licensors.

Trademarks, Service Marks and Copyrights

The stylized Infinity Financial logo is a trademark of Infinity Financial. Images, trademarks, service marks, logos, and icons displayed on this Site are the property of the Company or its licensors and may not be used without our prior written consent.

Hyperlinks

We may provide hyperlinks to third party sites (“Third Party Sites”). Third Party Sites are not maintained by, related to, sponsored by or affiliated with us and are provided solely as a service and convenience to you. Third Party Sites are to be accessed at your own risk, and we make no representations or warranties about the content, completeness, accuracy or security of Third Party Sites.

Privacy

Please review our Online Privacy Statement, which also governs your access to the Site and use of the Online Services.

No representation as to suitability; no investment advice

Nothing on this Site or in any of the Content (including the results of any online retirement calculators) should be construed as rendering tax, legal, investment, or accounting advice. The posting of any prospectus, disclosure memorandum, customer disclosure document, or any other Content on this Site (including the results of any online calculators) is solely for convenience and informational purposes and should not be interpreted as a recommendation or opinion that you should make any purchase or sale or participate in any transaction. We make no representation as to the financial investment or suitability of any Product described on this Site for any user. All such information is general in nature and does not consider your personal financial situation, nor constitute an endorsement or recommendation of any investment program, service or other product, or the suitability of it for you. In order to evaluate whether a particular Product is suitable for your financial needs, you should contact a qualified financial professional. Nothing on this Site constitutes an offer to sell or a solicitation to buy any security or any insurance product. All insurance or securities transactions require signed agreements between us and our customers, and the terms of those agreements are binding on the parties.

Forward-looking Statements

All of the Company’s financial information on this Site, whether historical in nature or forward-looking, including those about management expectations, strategic objectives, growth opportunities, business prospects, anticipated financial results and other similar matters, speaks only as of the date the information is posted on this Site. Forward-looking statements represent only management’s beliefs regarding future performance, which is inherently uncertain. There are a variety of factors, many of which are beyond the Company’s control, which affect its operations, performance, business strategy and results and could cause its actual results and experience to differ materially from the expectations and objectives expressed in any forward-looking statements. These factors include, but are not limited to, actions and initiatives taken by current and potential competitors, general economic conditions, the effects of current, pending and future legislation, regulation and regulatory actions, and the other risks and uncertainties detailed in this report. Accordingly, you are cautioned not to place undue reliance on forward-looking statements. We do not undertake any obligation to update such information after it is posted or to remove such information if it is not accurate or complete. You should, however, consult further disclosures the Company may make in future filings of its Annual Report or other filings with the Provincial Regulatory Authorities and Exchange Commission or the Netherlands Authority for the Financial Markets.

Canada-based site and services; availability of products and services

This Site is controlled by us from our offices within Canada. The Products referred to on this Site are generally offered and sold only to persons in Canada and its Provinces and territories except in limited circumstances where a certain Product may be offered and administered outside of Canada. Additionally, some Product may not be available in all jurisdictions and/or may be subject to eligibility requirements. No security, advisory, or insurance product or service is offered or will be sold in any jurisdiction in which such offer or sale would be unlawful under the securities, advisory, insurance, or other laws of such jurisdiction. Product, services or advisory fees and other charges identified on the Site are provided for general information purposes only and are subject to change. You should consult the prospectus, policy, certificate, account or plan documents or a qualified financial professional for information regarding the Products, fees, programs and services that may be available to you.

Access to the Content or Online Services from jurisdictions where such access is illegal is prohibited. You are responsible for your compliance with all applicable laws and you may not use or export the materials in this Site in violation of Canadian export laws and regulations, or the laws of your local jurisdiction. By downloading Content or using Online Services, you warrant that you are not in a country where such export is prohibited, that you are not a person or entity to which such export is prohibited, and that you are otherwise in compliance with the laws of your local jurisdiction regarding the import, export, or re-export of any Content.

Use of Online Services

Online Services generally require you to register at the Site and log-on with a user name, password and in some instances answers you provide us to security questions (the “Access Codes”). Online Services may include, for example, address or beneficiary changes, obtaining balance information, viewing transaction histories, submitting claims or performing other authorized transactions. The Company may, from time to time, introduce new features or eliminate features to the suite of the Online Services by updating the Site.

Your use of the Online Services is subject to applicable laws and:

any additional terms or guidelines that appear on your screen during use of the Online Services; the Consent to do Business Electronically for Online Transactions (“Consent”, applicable only to Customers); and
Product agreement and/or business agreement with us (collectively all of the foregoing, “Account Policy(ies)”).

For Customers

We may terminate your access to the Online Services if you violate these Terms of Use or Account Policies. The Online Services will not be available to you if you have not agreed to the Consent, or if you have revoked your consent.

If you have a Product that allows you to individually elect to participate in electronic delivery, you may elect to do so by accessing the Online Services and agreeing to specific terms that may be applicable to that Product. If you are a Customer that is a participant in a retirement plan, and your plan’s sponsor or administrator has elected electronic delivery for plan related communications and notices, you will automatically be enrolled in electronic delivery for that Product. If you participate in electronic delivery, we may provide you with information that the Company is required to provide by law, regulation, or contract in writing (such as quarterly or annual statements, prospectuses, and legally required notices, as applicable) (collectively "Required Communications"). You may opt out of electronic delivery at any time by accessing the Online Services and changing your preferences. If you opt out of electronic delivery you will receive Required Communications in paper copy by mail.

Information about your Products or the transactions you conduct using the Online Services (for example, balance information and transaction history) may only reflect activity conducted through the close of the previous business day and remains subject to adjustment and correction by us. We reserve the right to revoke your access at any time without warning.

For business

We may terminate your access to the Online Services if you violate these Terms of Use or Account Policies. If you have agreed to the electronic delivery of documents or conduct business electronically with the Company, the Company may, at its discretion, make certain documents required by regulatory authorities, including but not limited to, the Department of Labor (“DOL”), the Internal Revenue Service, the Securities and Exchange Commission (the “SEC”), Financial Industry Regulatory Authority (“FINRA”) or state departments of insurance, available for download or access electronically or via e-mail (such documents may include quarterly or annual statements, prospectuses and confirmations) (collectively, the “Required Documents”).

The Content, excluding the Required Documents, is not necessarily complete and up-to-date and should not be used to replace any written reports, statements, or notices provided by the Company. Account information, other than the Required Documents, available on this Site is not the official record of your account. Investors, customers, and other persons should use the Content in the same manner as any other informational medium and should not rely on the Content, excluding the Required Documents, to the exclusion of their own professional judgment. Information obtained by using this Site is not exhaustive and does not cover all issues, topics, or facts that may be relevant to your goals and objectives. We reserve the right to revoke your access at any time without warning.

Security

You agree to use this Online Services to access only those accounts on which you are authorized to act, and to use your own Access Codes when accessing such accounts. You are prohibited from using the Online Services to attempt to compromise security or tamper with system resources or other accounts. If you are involved in any violation of Site security or otherwise violate these Terms of Use, we may release your details to system administrators at other sites and to federal or state law enforcement officials. We reserve the right to fully investigate suspected violations of these Terms of Use and to cooperate fully with any law enforcement authorities, regulatory authorities, or court orders requesting or directing us to disclose the identity of anyone suspected of suspicious activity, or publishing or otherwise making available any materials that are believed to violate these Terms of Use. Please review our Online Privacy Statement for more information about our security measures.

Transactions

We may refuse to honor any transaction initiated via an Online Service that is not in accordance with these Terms of Use or any Account Policy, or that we have reason to believe may not be authorized or involves funds or other property subject to a hold, dispute, restriction or legal process we believe prevents the transaction. In addition, we may refuse to honor any Online Services transaction for our or your protection. We are not responsible for the failure of any Online Services, or any transaction initiated using the Online Services, due to system maintenance or circumstances beyond our control (such as power outage, computer virus, system failure, fire, flood, earthquake or extreme weather).

Viruses

There is always the possibility of unknowingly acquiring computer viruses or other malicious code (“Viruses”) through use of the Internet or Third-Party Sites or applications. It is your responsibility to scan any and all downloaded materials received from the Internet, Third Party Sites or applications. We are not responsible or liable for any damage caused by Viruses or related hazards, whether or not that Virus or related hazard resulted from use of the Site or Online Services. You, and not the Company, assume the entire cost of all necessary servicing, repair, or correction related to Viruses.

Warranty disclaimer; limitation of liability

THE SITE, CONTENT AND ONLINE SERVICES ARE PROVIDED ON AN "AS IS" AND “AS AVAILABLE” BASIS, AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. YOUR ACCESS TO AND USE OF THE SITE, CONTENT AND ONLINE SERVICES IS AT YOUR OWN RISK. THE COMPANY DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, SECURITY AND/OR NONINFRINGEMENT. WE DO NOT WARRANT THAT THE FUNCTIONS OR CONTENT CONTAINED ON THIS SITE OR ANY ONLINE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT DEFECTS, IF ANY, WILL BE CORRECTED. WE DO NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING THE USE, OR THE RESULTS OF USE, OF THE CONTENT IN TERMS OF CORRECTNESS, ACCURACY, RELIABILITY, TIMELINESS OR OTHERWISE. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND WE MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. WE ASSUME NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.

TO THE EXTENT PERMITTED UNDER APPLICABLE LAW, NEITHER THE COMPANY NOR ITS LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, BROKERS, REPRESENTATIVES, OFFICERS, AND/OR DIRECTORS, WILL BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER DAMAGES ARISING FROM THE USE OF, OR THE INABILITY TO USE, THIS SITE, THE ONLINE ACCOUNT SERVICES OR THE CONTENT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

CERTAIN PROVINCIAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF PROHIBITED BY APPLICABLE PROVINCIAL LAW, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS SHALL NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS AS SET FORTH UNDER SUCH APPLICABLE PROVINCIAL LAWS.

Submissions

With respect to any comments, reviews or other content that you post, or any questions, suggestions, ideas, or other information you submit, in connection with the Site and/or certain Online Services (collectively, “Submissions”), you hereby grant us the royalty-free, perpetual, irrevocable, worldwide, nonexclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display all Submissions, and to incorporate any Submission in other works, in any form, media, or technology now known or later developed. We will not be required to treat any Submission as confidential, and may use any Submission in our businesses (including without limitation, for Products or advertising) without attribution and without incurring any liability for royalties or any other consideration of any kind, and will not incur any liability as a result of any similarities that may appear in future operations.

You may not post, send, submit, publish, or transmit in connection with this Site any Submissions that:

infringes any intellectual property or other right of any entity or person, including violating anyone's copyrights or trademarks or their rights of publicity or privacy, or that you do not otherwise have the right to post;
violate any law or may be considered to violate any law; or
include programs which contain malware, viruses, worms, and/or Trojan Horses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications systems.

Children

This Site does not intend to market any Products to children under eighteen (18) years of age. We do not knowingly gather or solicit data from children under eighteen (18) years of age through this Site for marketing purposes. By using this Site you represent that you are not under eighteen (18) years of age.

Dispute Resolution

Applicable law; time to bring claims

The Commercial Arbitration Act (R.S.C., 1985, c. 17 (2nd Supp.)), applicable federal law, and Provincial laws, without regard to principles of conflict of laws, will govern these Terms of Use, the Online Privacy Statement and any dispute of any sort that might arise between you and the Company with respect to these Terms of Use, Online Privacy Statement or your use of or access to the Site or Content (“Dispute”). Nothing herein, however, will override the terms and conditions of your Product Agreement or Business Agreement with the Company. YOU AND THE COMPANY AGREE THAT, EXCEPT FOR A DISPUTE THAT QUALIFIES FOR SMALL CLAIMS COURTS, ANY SUCH DISPUTE SHALL BE RESOLVED IN ITS ENTIRETY BY INDIVIDUAL BINDING ARBITRATION. If for any reason a claim proceeds in court rather than in arbitration, we each waive any right to a jury trial. We also both agree that you or we may bring suit in court to enjoin infringement or other misuse of intellectual property rights or breaches of security and your misuse of the Site or Content.

Exclusive Venue For Litigation

To the extent that the arbitration provisions provided for herein do not apply, the proper forum for any Dispute shall be in the courts of the province of jurisdiction (except for small claims court actions which may be brought in the county where you reside). You expressly consent to exclusive jurisdiction of any province or federal court for any litigation other than small claims court actions. Further you hereby waive any right to a jury trial.

Agreement to Binding Arbitration

All Disputes shall be finally settled by binding arbitration administered by JAMS in accordance with the expedited procedures of the JAMS Comprehensive Arbitration Rules and Procedures as those Rules exist as of the effective date of these Terms of Use, excluding any rules or procedures governing or permitting class actions. The arbitrator, and not any federal, state or local court or agency, shall have exclusive authority, except as may otherwise be stated in these Terms of Use, to resolve all Disputes arising out of or relating to the interpretation, applicability, enforceability or formation of these Terms of Use or Online Privacy Statement, including but not limited to any claim that all or any part of these Terms of Use or Online Privacy Statement is void or voidable (except for the class action waiver below). The arbitrator shall be empowered to grant whatever relief would be available in a court under law or in equity. The arbitrator’s decision shall be final, binding, and non-appealable in court. Judgment upon the award may be entered and enforced in any court having jurisdiction. The arbitrator’s award will consist of a written statement stating the disposition of each claim and will include a concise written statement of the essential findings and conclusions on which the award is based. You and the Company (the “parties”) adopt and agree to implement the JAMS Optional Arbitration Appeal Procedure (as it exists on the effective date of these Terms of Use) with respect to any final award in an arbitration arising out of or related to these Terms of Use or Online Privacy Statement. With regard to the appeal, and only for disputes in excess of $50,000, either party may request a panel of three (3) arbitrators in lieu of only one (1) arbitrator. The parties will make reasonable efforts to agree upon mutually satisfactory arbitrator(s) chosen from the JAMS panel and the arbitrator(s) must be neutral.

Class action and class arbitration waiver

You and the Company each further agree that any arbitration shall be conducted in your individual capacity only and not as a purported class, collective, representative, multiple plaintiffs, or similar proceeding (“Class Action”), and you expressly waive any right to file a Class Action in any forum. The arbitrator(s) is empowered to award full relief to an individual claimant, but any relief awarded cannot extend beyond that individual claimant. Any claim that all or part of this Class Action waiver is unenforceable, unconscionable, void, or voidable may be determined only by a court of competent jurisdiction and not by an arbitrator. If any court or arbitrator(s) determines that the Class Action waiver set forth in this paragraph is void or unenforceable for any reason (including any alleged incompatibility with the Investment Advisors Act or other federal securities laws or regulations), or that an arbitration can proceed as a Class Action, then the arbitration provision set forth above shall be deemed null and void in its entirety and the parties shall be deemed to have not agreed to arbitrate Disputes. THE PARTIES UNDERSTAND THAT IN THE ABSENCE OF THESE TERMS OF USE THEY WOULD HAVE HAD A RIGHT TO LITIGATE THROUGH A COURT, TO HAVE A JUDGE OR JURY DECIDE THEIR CASE AND TO BE PARTY TO A CLASS OR REPRESENTATIVE ACTION. HOWEVER, THEY UNDERSTAND AND CHOOSE TO HAVE ANY CLAIMS DECIDED INDIVIDUALLY, THROUGH ARBITRATION.

Exception - small claims court claims

Notwithstanding the parties' agreement to resolve all disputes through arbitration, either party may seek relief in a small claims court for disputes or claims within the scope of that court's jurisdiction. 30 day right to opt out you have the right to opt out and not be bound by the arbitration provisions and class action waiver set forth in this section by notifying us in writing at Transamerica, Attn: Corporate Law, 6400 C Street SW, Cedar Rapids, IA 52499 or email us at investigations@transamerica.com within thirty (30) days of your registration on or use of the Site. When providing notice to us of your intent to opt out via Canada Post, you must provide your first and last name, Product type (e.g., annuity, mutual fund, insurance policy, RRSP etc) and policy or account number if known, and last four digits of your social security number, or if notifying us via email at investigations@transamerica.com you must provide your first and last name and the Product type. Otherwise, you shall be bound to arbitrate Disputes in accordance with the terms of this arbitration provision. If you opt out of these arbitration provisions, then the Company also will not be bound by them.

Miscellaneous

If any part of these Terms of Use is unlawful, void or unenforceable under applicable law, that part will be deemed severable and will not affect the validity or enforceability of any remaining provisions. These Terms of Use and the Consent (applicable to Customers only, both of which must be accepted by you in order to use the Online Services) constitute the entire agreement among the parties relating to this subject matter.