用戶同意書
以下使用條款適用於您在此網站的使用。使用此網站，您明白並同意以下闡明的使用條款。此類條款是客戶賬戶協議的附加條款，旨在監管您的理財通（adviceDirect）賬戶。
理財通
adviceDirect is a separate business unit of BMO InvestorLine Inc. ("BMO IL"), an indirect subsidiary of Bank of Montreal. BMO IL is a member of the Investment Industry Regulation Organization of Canada and the Canadian Investor Protection Fund.
不構成招攬和司法管轄
The products and services of BMO IL and its affiliates are only offered in jurisdictions where they may be lawfully offered for sale and are subject to the terms of applicable agreements. 任何於此網站提及的產品和服務僅會根據本地法律，以及僅能合法提供作為銷售之用時提供。
此網站的資訊，於任何司法管轄區不能合法出售招攬的任何人士，或非法招標的任何人士，並不構成出售或招標。
Only residents in certain jurisdictions in Canada may open an adviceDirect account at BMO IL. Please call 1 888 776-6886 for information about the availability of adviceDirect in your jurisdiction.
網際網路電子郵件
BMO IL requires that clients use at least 128 bit encryption (and up to 256-bit encryption) when conducting financial transactions over the Internet. 我們也建議對在網際網路上進行的所有非金融交易使用最多256位元加密。 If you are a BMO IL client and wish to access your account through our web site, ensure that you have a browser up to 256-bit encryption. 如果您的瀏覽器不運行這種等級的加密，在您登入賬戶時可能會看到一個「加密級別不足」的訊息。
不使用此類加密，網際網路不是安全媒介，且無法確保隱私。網際網路電子郵件易被截取或偽造。BMO IL cannot ensure the privacy and authenticity of any information you send to us or that we send to you over the Internet. BMO IL 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.
免責聲明
From time to time, interruptions, errors or other deficiencies in service on this web site may occur due to a variety of factors, some of which are outside the control of BMO IL and its affiliates, including without limitation, interruptions in the accessibility of the Internet, a system outage in facilities of a third party service provider, and market conditions that may result heavy demand or high volumes of trading activity. 您可能會因服務或系統中斷造成延誤或錯誤而在使用賬戶和下訂單或取消訂單時遇到困難。
Neither BMO IL nor its affiliates is liable to you or anyone else, for any damages whatsoever and howsoever caused (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with use of the software, systems, services or facilities used or made available on the web site, or your ability to access or use the web site, including but not limited to loss or damage resulting from failure of electronic or mechanical equipment or communications lines, the Internet, telephone, power failure, or third party system failure.
第三方研究報告
Third party publications are not prepared or approved by BMO InvestorLine Inc. (“BMO IL") and do not meet Canadian research disclosure requirements. 這些出版品中所提供的觀點、預估、預測皆為作者於所示日期當時的看法，且可能隨時會變更，恕不另行通知。BMO IL makes no representation or warranty, express or implied, takes no responsibility for any errors or omissions and accepts no liability for any loss arising from any use of or reliance on these publications. 提供這些出版品不構成任何證券買賣的要約或招攬。 Affiliates of BMO IL may buy from or sell to customers the securities of issuers mentioned in these publications on a principal basis. BMO IL, its affiliates and/or their respective officers, directors or employees may acquire, hold or sell securities of these issuers, or related securities, or options, futures or other derivative instruments. Affiliates of BMO IL may act as financial advisor and/or underwriter for certain of these issuers and may receive remuneration. BMO IL is an indirect subsidiary of Bank of Montreal. 滿地可銀行或其附屬公司得與這些發行商安排借貸事宜或提供其他的有償服務。 The reader should assume that BMO IL or its affiliates may have a conflict of interest and should not rely solely on these publications in evaluating whether or not to buy or sell securities of these issuers.
軟體備份
雖然我們已盡力確保此網站提供的任何軟體，均適用於各類電腦系統，您仍應採取合理、適當的預防措施，以掃描確認是否含有電腦病毒，並確保所使用的軟體與您的特定電腦系統相容。您也須在安裝該類軟體前，確認您電腦系統中的資料有完整的最新內容備份。
Cookie
BMO IL and its affiliates may use cookies or information-tracking technologies to improve the functionality or security of web sites, or to provide you with a more customized on-line experience. Please note that cookies cannot capture files or data stored on your computer.B M O, I L and its affiliates may use cookies or information-tracking technologies to improve the functionality or security of web sites, or to provide you with a more customized on-line experience. 請注意，cookie不擷取儲存在您電腦上的檔案或資料。
商標
Trademarks Belonging to BMO IL, BMO Bank of Montreal or Other Entities
Certain names, graphics, logos, icons, designs, words, titles or phrases at this web site may constitute trade names, trademarks or service marks of BMO IL, BMO Bank of Montreal or other entities. 商標可能在加拿大與其他國家註冊（如適用）。網站頁面上顯示的商標並無暗示授予任何形式的牌照。任何未經授權下載、轉發或其他形式複製或修改商標和/或本文中的內容，將違反聯邦法律或普通法、商標和/或版權法，且可對複製者採取法律訴訟。
TM-adviceDirect.trade mark-adviceDirect.
®-BMO (M-bar roundel symbol) and InvestorLine are registered trademarks of Bank of Montreal.
BMO Wealth Management is the brand name for a business group consisting of Bank of Montreal and certain of its affiliates in providing wealth management products and services.
本網站上所提及的所有其他產品和服務標誌，均為其個別所有人的商標。全部 BMO IL trademarks used on this web site are used under license.
Copyright BMO InvestorLine 2012Copyright B M O InvestorLine 2012
BMO IL 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 web site, or has obtained the permission of the owner of the intellectual property in such content to use the content on our web site. You acknowledge that all information made available to you on our web site is proprietary to BMO IL or to the appropriate information supplier and is protected by copyright law and other applicable intellectual property laws.
BMO IL grants to 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 web site, for non-commercial, personal, or educational purposes only, provided that:
您不修改此類內容，且
您包括並在每頁內容顯示相關版權聲明及智慧財產權聲明。
不允許用於其他用途。在不限制上述一般原則的情況下，您不可：
將此類內容用於商業用途；
為了任何非法或未經授權的目的使用或允許任何人使用此類內容；
在您建立或傳播的任何產品內包括或隨附此類內容；或
複製此類內容到您的或任何他人的網頁中。
未經此類資訊或軟體來源的事先書面許可，授權或許可重複使用或轉發此類內容。
Notwithstanding the above, nothing contained in this Section shall be construed as conferring any right or licence under any copyright of BMO IL or any other person who owns the copyright in content provided on our web site.
Copyright © 2012 BMO InvestorLine Inc. All rights reserved
互惠基金資訊本網站談及的互惠基金重要資訊以簡介形式列出，可能從適用的基金公司直接索取相關副本，投資前，應詳細閱讀相關文本。互惠基金證券並不受任何政府保險公司擔保和承保。單位價值和投資回報會有波動。對於貨幣市場基金，收益率會有所波動，不保證基金可以維持固定淨資產值。績效數據代表過去的績效，不一定表示未來的績效。
隱私
All information you submit to BMO IL through this web site may be used by BMO IL in accordance with the terms of our privacy code. To view the privacy code please click on the privacy link located in the footer of the BMO IL website.