網站用戶同意書

The following terms of use (the "Terms") apply to your use of all websites of B M O InvestorLine Inc. ("B M O IL") (individually referred to as a "Website" and collectively referred to as the "Websites") and access of online services of B M O IL ("Online Services"). 為清楚起見,術語「網站」包括透過應用程式(如下所定義)訪問的任何網站;術語「網上服務」則包括行動裝置服務(如下所定義)。使用本網站,便表示您接受並同意遵守此條款及網站頁腳、主要內容或其他頁面及網站連結、按鈕或圖示的任何條款、條件、法律通知及免責聲明(「附加條款」),並視同您簽署列印版本,您將受其約束,且在您每次使用網站時適用。 These terms are additional to the terms of the client account agreements governing your B M O IL self-directed account(s).

本條款及附加條款也適用於使用任何可下載的應用程式或其他技術,獲得本網站上的任何功能、作用、內容和/或資訊(個別和統稱皆稱為「應用程式」)。

本條款和附加條款相衝突時,以附加條款為準。

All products and services of B M O IL that are described, made available or provided on the Websites may be changed or withdrawn at any time without notice and are subject to the terms and conditions of the applicable agreements governing their use in force at the time of the provision of the product or service, in addition to the Terms and Additional Terms. In the event that the Terms or Additional Terms are inconsistent with the terms of any agreement that you or your organization may have with B M O IL, the terms of that agreement will govern.

網站頁面中提供的資訊、資料和內容,包括價格資訊(「資訊」)在發佈時被視為可靠,但不保證其在任何時候皆準確、完整或及時。 Without limiting the generality of the foregoing, the Information may include technical inaccuracies or typographical errors, and B M O IL and its officers, directors, employees and agents have no obligation to update the Information. 有可能在未通知的情況下,隨時變更、取消或終止資訊或網站。

可能在未通知的情況下,隨時經由更新此貼文對條款及附加條款進行變更。您同意定期檢閱條款,您的連續訪問或使用網站將意味您同意任何變更。

B M O InvestorLine Inc.

B M O IL is an indirect subsidiary of Bank of Montreal. B M O IL is a member of the Investment Industry Regulation Organization of Canada and the Canadian Investor Protection Fund.

不構成建議

此資訊僅用於提供資訊的目的,不構成財務、會計、法律或稅務建議,且不得作為判斷之依據。B M O IL self-directed services and use of the Websites does not provide advice, recommendations or provide determinations of suitability in respect of proposed purchases or sales of any securities in your B M O IL self-directed account(s).

不構成招攬和司法管轄

The products and services of B M O 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. 本網站所提及的任何產品或服務僅在遵守當地法律且在合法要約發售的區域提供。

網站上的資訊不構成在任何無法合法進行要約或招攬的司法管轄區由任何人進行要約或招攬,或向法律規定不可對其招攬的任何人進行要約或招攬。

無保證條款

B M O IL provides the Websites, the Application and the Information on an "as is, where is" basis and does not make any express or implied warranties, representations, or endorsements with respect to the Websites, the Application or the Information, including without limitation, warranties as to merchantability, operation, non-infringement, usefulness, completeness, accuracy, currency, reliability and fitness for a particular purpose. Further, B M O IL does not represent or warrant that the Websites or the Application will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, difficulties in use, defects, incompatibility, failures, errors, 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. 您需自行負責保護並備份資料和/或設備,並採取相應防範措施,掃描是否存在電腦病毒或其他破壞性內容。

您確認我們無法提供沒有瑕疵的網上服務。網上服務、網站及應用程式運用複雜的電腦和通訊網路,因此無法保證可以連續、不中斷以及無錯誤地使用網上服務、網站和應用程式。網上服務、網站及應用程式有可能因為各種因素(包括技術原因、計劃或未經計劃的維護或當機、編輯修改或任何其他原因)而有時延遲、不可用、不提供和/或不準確。

不承擔責任

In light of the foregoing, neither B M O IL, its affiliates, its licensors, nor any other third party provider shall be liable in any way for any loss or damage, direct or indirect, which may arise out of or in connection with the Websites, the Online Services, the Application or the Information or any obligation of B M O IL under this agreement, including but not limited to any action or decision made by you in reliance on the Websites, the Online Services, the Application or the Information, from any unauthorized use or reproduction of the Websites, the Online Services, the Application or the Information, from any outage, interruption, discontinuation or delay in the Websites, the Online Services or the Application or any part thereof or any error contained therein or omission therefrom, from any other non-performance, defective performance or late performance due to any cause whatsoever, including errors due to malfunction of equipment, programs or operations of B M O IL, its affiliates, its licensors, or any third parties, or negligence of B M O IL, its affiliates, its licensors, third party providers, operators or programmers, even if such party knew, should have known or was advised of the possibility of such damages. In no event will B M O IL, its affiliates, its licensors, or any third party provider be liable for any punitive, incidental, direct, indirect, special, exemplary or consequential damages, including, but not limited to, loss of use, loss of data, loss of opportunity or loss of revenues, profits or savings, however caused, related to, arising out of or in connection with your use of, reliance on, or inability to access or use the Websites, the Online Services, the Application or the Information, or for any delay in or failure of transmission of any instructions or notifications sent to B M O IL through the Websites, the Online Services or the Application, even if such party knew, should have known or was advised of the possibility of such damages. B M O IL's affiliates, licensors and third party providers shall be third party beneficiaries to the foregoing provisions.

您所提供的資訊

You agree that any information or materials that you provide to any of B M O IL through any of its Websites shall become the sole property of B M O IL, and may be used freely by B M O IL. By providing such information and materials, you declare and warrant that you have all necessary rights to submit such information and materials and that the information and materials do not infringe the rights of third parties.

透過網際網路的電子通訊

透過網際網路的任何未經保護電子通訊及透過其他媒介(例如行動電話、郵局信件)的通訊不具安全性或無法保密,有可能會被截取或損失或可能遭受更改。您不應透過此類媒介傳送任何與個人或他人有關的機密性、專屬性或敏感性資訊。B M O IL is not responsible for and will not be liable to you or anyone else for any damages in connection with an email, text message, comment, post or any other electronic message sent by you to B M O IL, or an email, text message, comment post or any other electronic message sent by B M O IL to you.

超連結的提供並不代表認可

Links to other websites or references to products, services or publications other than those of B M O IL on the Websites do not imply the endorsement or approval of such websites, products, services or publications by B M O IL. Linking to any other website is at your sole risk.

第三方內容

The financial market data, including quotes, charts, news and research (collectively "Third Party Information") are provided by various information suppliers ("Information Providers") that are independent of B M O IL.

The Third Party Information may include the views, opinions, and recommendations of individuals or organizations that may be of interest to investors generally, but B M O IL and its Information Providers do not endorse such views or opinions.

The Third Party Information does not represent B M O IL's views, and is not intended to provide investment, tax, accounting or legal advice nor does it constitute a solicitation of any offer to buy or sell any securities. 除非另有註明,否則所有報價資訊至少延遲20分鐘。我們不保證所提供資訊的準確性。B M O IL and its Information Providers shall not be liable for any errors or delays in content, or for any actions taken in reliance thereon."

第三方資訊的智慧財產權為資訊提供者所有,使用此類資訊須遵守適用法律和/或與版權、商標、出版和轉發相關的限制。

第三方研究報告

  

Third party publications are not prepared or approved by B M O InvestorLine Inc. (“B M O 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。B M O 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 B M O IL may buy from or sell to customers the securities of issuers mentioned in these publications on a principal basis. B M O 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 B M O IL may act as financial advisor and/or underwriter for certain of these issuers and may receive remuneration. B M O 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 B M O 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.

關於資訊提供者的其他說明:

Standard & Poor's:

Standard & Poor's為The McGraw-Hill Companies所屬部門,是全球重要的金融市場情報提供者,服務包括獨立信用評級、指數、風險評估、投資研究和資料。Standard & Poor's股票研究服務提供的股票研究報告和推薦與Standard & Poor's的任何其他分析活動分開進行。Standard & Poor's不在自己的賬戶交易。Standard & Poor's股票分析師的分析和道德準則是由該公司的「研究客觀性政策」所規範,如需了解其內容,可造訪www.standardandpoors.com.

Globeinvestor:

由Globeinvestor提供的資訊的智慧財產權為Bell Globemedia Publishing Inc.和/或其授權方所有。在未經Bell Globemedia Publishing Inc.事先書面同意,明確禁止任何複製、轉載或轉發此類內容(包含透過擷取、編制或類似方式)。Bell Globemedia Publishing Inc.及其附屬機構和各自的僱員及授權方對於不準確、延遲或不完整資訊或是依此所採取的任何行動概不承擔任何法律責任。資訊由多個資料提供者提供,且未經Bell Globemedia Publishing Inc.確認。過去績效並不一定代表未來績效。在做出任何投資決策前,請直接諮詢相關個人或公司及合格投資顧問。

道瓊指數:

道瓊指數SM為Dow Jones & Company, Inc.所專有並由其分發,且已獲得授權使用。 查看道瓊使用條款

福特股票研究(Ford Equity Research)

Mergent Inc.的附屬機構Ford Equity Research是一間獨立研究公司,並不隸屬於任何投資銀行或證券經紀行。福特股票研究、其客戶和/或其職員可能有時候在福特股票研究報告中所述的公司任職。 Ford Equity Research has an affiliated investment advisor relationship with Tesserae Capital Advisors, L L C. Tesserae implements investment strategies based on Ford research and is restricted from trading on new buy and sell recommendations until 24 hours after Ford's recommendations are disseminated to all clients.

本文所含的報告與投資評級由福特股票研究製作,僅供其客戶與授權訂閱者使用。未經福特股票研究事先書面同意,禁止以任何形式複製或轉發此類報告或投資評級。報告或投資評級是根據據信可靠的公開資訊。福特股票研究力圖盡可能呈現最及時且最準確的資料,但並不保證準確性。所提出的資料中有可能不會反映其他資訊,例如企業行動、工業與經濟因素及會影響福特股票研究投資評級的其他事件或情況等。該報告僅用於提供資訊,不應構成買賣任何證券之要約。報告中所做的建議可能不是對於所有的投資者皆適用。建議沒有將個別使用戶的投資風險或回報率目標或約束列入考慮。對於根據所提供資訊採取行動而產生的後果,福特不承擔任何責任。本文中所表達的觀點會隨時變更而不另行通知。所使用的研究程序完全源自量化方法,利用歷史資料產生股票評級系統。所含股票根據「強烈建議買入」、「買入」、「持有」、「賣出」和「強烈建議賣出」五個相對評分評出其中一個。儘管評為「強烈建議買入」的股票預期為表現最好的股票,評為「強烈建議賣出」的股票預期為表現最差的股票,但不保證個股或股票平均評級未來會如此。過去的成效並不保證未來的成效。

Morningstar:

There is no relationship between Morningstar Research, Inc., or any of its affiliated companies (collectively, "Morningstar") and the Bank of Montreal ("B M O") other than a license by Morningstar to B M O and its subsidiaries of certain Morningstar services, information, trademarks/names, for use by B M O and its subsidiaries. Such services, information, trademarks, and trade names have been created and developed by Morningstar without regard to B M O, its subsidiaries, its business, this website www.bmoinvestorline.com and/or any third party, including any prospective investor.

Morningstar對其所提供之服務或資訊,或內含之任何資料,皆不保證其準確性、完整性或時效性。 MORNINGSTAR MAKES NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY B M O, ITS SHAREHOLDERS OR AFFILIATES, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE SERVICES OR INFORMATION SUPPLIED BY MORNINGSTAR OR ANY DATA INCLUDED THEREIN. Morningstar對為特定目的之適銷性或適合性、非侵權或使用由Morningstar提供的任何資訊或內含的任何資料,不作出明示或暗示保證,並明白表示不負擔任何責任。在不限於前述事項的情況下,Morningstar對於任何特殊性、懲罰性、間接性或衍生性損害(包括利潤損失)皆無任何責任,即使已被告知此類損害之可能性。

Morningstar股票研究報告、 Morningstar信貸研究報告、Morningstar加拿大核心精選系列、 Morningstar加拿大入息精選系列,以及互惠基金和交易所買賣基金資料以及透過InvestorLine 投資優惠線網站( www.bmoinvestorline.com )和平板電腦應用程式所提供的部分篩檢工具,均由Morningstar提供。Morningstar和/或其授權人擁有所有本資訊、內容、資料及功能(統稱為「資訊」)中的所有權利、所有權及利益。除非列於附加的協議中,否則沒有Morningstar的事先書面同意,您不得:(i) 在加拿大以外地區使用任何資訊,或供任何其他目的使用(惟您個人非商業目的的使用不在此限);(ii) 複製、轉發、傳播、出售、出版或廣播任何資訊;或(iii) 使用資訊作建立、推廣、交易或行銷投資產品之用。

本資訊僅供教育目的,不應視為招攬任何證券之買賣。任何本資訊中所含的建議可能並不適合所有用戶。各建議並未將個別用戶的投資風險或回報率目標或約束或個人情形列入考慮。對於依據所示資訊採取行動所帶來的後果,Morningstar不承擔任何責任。本文中所表達的觀點會隨時變更而不另行通知。

Any credit ratings made available by Morningstar as part of the Information are produced by Morningstar Credit Ratings, L L C an N R S R O registered with the U.S. Securities and Exchange Commission and a wholly owned subsidiary of Morningstar, Inc. All Morningstar credit ratings and related analysis contained herein are (i) provided solely for information purposes and not as financial, investment, tax or other advice and (ii) solely statements of opinion and not statements of fact or recommendations to purchase, hold, or sell any securities or make any other investment decisions. 如欲了解與Morningstar信貸投資評級相關的定義、方法、免責聲明及披露等重要資訊,請瀏覽ratingagency.morningstar.com中的研究方法頁面。投資者必須在我們網站上先了解及審閱前述資訊及任何關於投資評級的報告之後,才宜參考Morningstar信貸投資評級及相關分析。

Trading Central

© Trading Central. 版權所有。 The information contained herein: (1) is proprietary to Trading Central and/or its content providers; (2) may not be copied or distributed; (3) is not warranted to be accurate, complete or timely; and, (4) does not constitute advice or a recommendation by B M O InvestorLine Inc., Trading Central or its content providers in respect of the investment in financial instruments. Neither B M O InvestorLine Inc. nor Trading Central nor its content providers are responsible for any damages or losses arising from any use of this information. 過往績效不保證未來的投資結果。

價格、歷史圖表資料及基本公司資料皆由Morningstar Research Inc.提供。

Technical Event®是Trading Central的註冊商標。

Trading Central的產品及服務受到美國專利編號:6,801,201;7,469,226;7,469,238;7,835,966及7,853,506,以及相對的外國專利的保護。

網際網路電子郵件

B M O 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 B M O IL client and wish to access your account through the Websites, 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。B M O IL cannot ensure the privacy and authenticity of any information you send to us or that we send to you over the Internet. B M O 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 the Websites may occur due to a variety of factors, some of which are outside the control of B M O 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 B M O 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 Websites, or your ability to access or use the Websites, 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.

軟件備份

儘管已盡力確保本網站提供的任何軟件適合於在各類電腦系統上使用,您須採取合理、適當的預防措施,掃描以確認是否含有電腦病毒及其他有破壞性的內容,並確保所使用的軟件與您的特定電腦系統相容。您也須在安裝該類軟件前,確認您電腦系統中的資料有完整的最新內容備份。

互惠基金資訊

關於本網站所引用的互惠基金的重要資訊包含在簡化版公開說明書中,其副可直接從相關的基金公司取得,您在投資前應詳細閱讀。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 B M O IL through the Websites may be used by B M O IL in accordance with the terms of our privacy code. 如需查看隱私準則,請點擊網站頁尾的隱私連結。

返回頂端

保護您的機密性

在任何行業,都希望保護個人資料隱私;在金融服務業尤其重要。 At B M O IL we value your privacy on the Internet and think you do too, and we feel you should know:

我們如何保護您的資料

When you sign into your B M O IL account your financial transactions and your Retirement Planner session are protected by 128-bit encryption. 當您創建「個人頁面」或登入「個人頁面」時,視您所使用的瀏覽器類型而定,您的工作階段會受到40位元或128位元加密保護。

Encryption is a means of scrambling information for transmission, in this case, between your PC and B M O Bank of Montreal's computing systems. 加密的資訊在接收端收到後會進行解密(解碼)。

128位加密是當今北美市場因特網瀏覽器上可廣泛獲得的最強大最安全的加密形式。B M O IL and B M O Bank of Montreal require that our clients use 128-bit encryption when conducting financial transactions over the Internet. 我們也建議您在網際網路上進行所有非金融交易時(即在使用本類網站「個人頁面」部分時)同樣使用128位元加密。

我們如何使用您向我們提供的資訊

Information you provide during the registration process for the Personal Page of the Website is collected and stored by B M O IL. The information you provide may be used:

您如何從我們的資料庫退出或在其中更新或刪除您的資料

If at the time of registration for the Personal Page, you had indicated that you would like us to send you updates on site developments or on new products and services, B M O IL may send you these updates by email or mail. 若您在任何時候決定不想接收此類更新,或您想要我們從您的「個人頁面」刪除您的資料,僅需於每週一至週五上午8:00至下午8:00(美國東部時間)電洽1-888-776-6886聯絡我們。

若您對我們如何保護您的機密資料有任何疑問或顧慮,歡迎傳送電子郵件與我們聯絡。

In addition, B M O IL also abides by B M O Bank of Montreal's Privacy Code.

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Cookie使用

本類網站的部分頁面使用「cookies」或資訊追蹤技術。Cookie是一個小文字檔,由網站放在您電腦的硬碟中,在此就是指此類網站網址。Cookies很有用,因為它們會被儲存起來,並且可以由放置這個cookie的網站回讀。此網站之後可以為您呈現個人化的網頁,其中有您想要查看的資訊。例如,如果您曾經在網上登記了「股票追蹤清單」,該項資訊有可能會透過使用cookie來呈現。

B M O InvestorLine's use of cookies

B M O IL uses cookies in a number of locations. 例如,使用cookies讓您在使用我們的股票篩選工具時可以儲存搜尋結果。此外,在促銷電子郵件的訊息和網上廣告中,我們可能使用像素標籤(也稱為透明GIF)和cookies。這些工具使我們能夠衡量我們的廣告及推廣優惠活動的有效性,改進本類網站功能或安全,並提供更多客製化的網上體驗。

Cookies使用廣泛,且多數瀏覽器配置自動接收cookie。您可以在您電腦的瀏覽器內選擇特定的「喜好」或「選項」,以決定您的電腦是否接受以及如何接受cookie。但請注意,必須要啟用cookie才能使用本網站內的部分功能,且cookie無法擷取儲存在您電腦上的檔案或資料。

重要聲明:部分cookie會蒐集個人識別資料以確定您的身份,或擷取您的電子郵件地址。若您使用分享或公共電腦,請確定您在完成工作階段後清除快取。這確定利用cookie儲存的資訊不會讓下一位使用者看到。

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Trademarks Belonging to B M O IL, B M O Bank of Montreal or Other Entities

Certain names, graphics, logos, icons, designs, words, titles or phrases on the Websites may constitute trade names, trademarks or service marks of B M O IL, B M O Bank of Montreal or other entities. 商標可能在加拿大與其他國家註冊(如適用)。在本類網站頁面展示商標並非表明已授予任何形式的授權。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 -- B M O InvestorLine 5 Star Program, Intuition, Instabank EXTRA are trademarks of Bank of Montreal.

® -- B M O (M-bar roundel symbol), First Canadian, FirstBank, FirstBank Card, FundFinder, Instabank, InvestorLine, AccountLink, FundSolutions are registered trademarks of Bank of Montreal.

®* -- 滿地可銀行為MasterCard International Inc.、INTERAC trademark of Interac Inc.及Cirrus trademark of Cirrus System, Inc.註冊商標和設計的授權使用者。

®? -- Microsoft, Windows, Windows N T, M S N, The Microsoft Network and/or other Microsoft products are either trademarks or registered trademarks of Microsoft.

®** -- Apple、Mac和Macintosh為Apple Computer, Inc.在美國及其他國家的註冊商標。

B M O 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.

在本類網站提及的所有其他產品和服務標誌為各自所有的商標。全部 B M O IL trademarks used on the Websites are used under license.

Copyright B M O InvestorLine 2013

B M O IL either owns the intellectual property rights in the underlying H T M L, text, images, audio clips, video clips, software and other content that is made available to you on the Websites, or has obtained the permission of the owner of the intellectual property in such content to use the content on the Websites. You acknowledge that all information made available to you on the Websites is proprietary to B M O IL or to the appropriate information supplier and is protected by copyright law and other applicable intellectual property laws.

B M O IL grants to you its limited permission to display on your computer, print, download and use the underlying H T M L, text, images, audio clips, video clips, software and other content that is made available to you on the Websites, for non-commercial, personal, or educational purposes only, provided that:

  1. 您不修改此類內容,且
  2. 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:

  1. 將此類內容用於商業用途;
  2. 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;
  3. 在您建立或傳播的任何產品內包括或隨附此類內容;或
  4. 複製此類內容到您的或他人的個人網頁。
  5. 未經此類資訊或軟件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 B M O IL or any other person who owns the copyright in content provided on the Websites.

Copyright © 2013 B M O InvestorLine Inc. All rights reserved.

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使用適當的防護措施

Your personal information is secure within B M O Financial Group, regardless of the format in which it is held. 我們擁有全方位安全控管,保護您的個人資訊免於任何未授權的使用、存取、更改、複製、破壞、洩露、損失或遭竊。

我們持續以實體、電子和程序性防護措施來保護您的個人資訊。防護措施的範例包括限制存取我們的資訊處理及儲存區域;僅限獲授權的員工可存取相關資訊;使用密碼、PIN和通行金鑰、防火牆和電子式傳輸資訊加密,以及在存檔櫃及門上使用安全鎖。

我們與信貸機構、信貸保險商、其他放貸者與第三方服務提供者簽有協議,要求此類機構提供的任何資訊必須經過保護,且僅用於提供我們已要求公司履行的服務之目的。

Within B M O Financial Group websites, cookies or other information-tracking technologies may be used to improve the functionality or security of websites, or to provide you with a more customized online experience. 請注意,cookie不擷取儲存在您電腦上的檔案或資料。

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關於訊息提示的重要資訊

The B M O InvestorLine Alerts service is a free computer online service that provides notifications to users of various customizable events, such as stock and news information ("Alerts").

您一旦註冊接收訊息提示,即表示您了解並同意遵守以下條款及細則:

隱私和安全

訊息提示是透過未經加密的網際網路及無限網路傳送的電子郵件。由於訊息提示的傳送未經加密,因此有可能被他人看到。

關於金融問題的特殊警告。

根據訊息提示內所含的資訊執行交易或其他業務之前,您應該驗證訊息提示內所提供的資訊。

傳送功能

您需自行確定您的服務供應商是否支持短訊傳送,且您的裝置是否可接收短訊。

網路供應商的費用

您需負責支付由您的網際網路和/或智慧手機服務供應商收取的任何和全部費用。

不擔保傳送內容

我們不擔保傳送或訊息提示內容的準確性。訊息提示有可能會因影響您智慧手機服務供應商、網際網路服務供應商及您無法控制的其他因素而延遲或無法接收。

責任免除和賠償

YOU AGREE NOT TO HOLD B M O IL RESPONSIBLE FOR ANY LOSSES OCCURRING FROM USE, OR FAILURE OF, THIS SERVICE. B M O IL PROVIDES ALERTS AS A CONVENIENCE TO YOU ON AN "AS IS" AND "AS AVAILABLE" BASIS FOR INFORMATION PURPOSES ONLY, AND DOES NOT MAKE ANY WARRANTY AS TO THE RELIABILITY, ACCURACY OR TIMELINESS OF ALERTS, OR THAT ALERTS WILL BE PROVIDED UNINTERRUPTED OR ERROR-FREE.

B M O IL SHALL NOT BE LIABLE, FOR ANY ERRORS, INACCURACIES, OMISSIONS, OR OTHER DEFECTS IN, OR UNTIMELINESS OF ALERTS, OR FOR ANY DELAY OR INTERRUPTION IN THE TRANSMISSION TO YOU, OR FOR ANY CLAIMS OR LOSSES ARISING THEREFROM OR OCCASIONED THEREBY. YOU AGREE TO INDEMNIFY AND HOLD B M O IL, AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, AGENTS, AND EMPLOYEES, HARMLESS FROM ANY CLAIM OR DEMAND, INCLUDING REASONABLE ATTORNEYS' FEES, MADE BY ANY PARTY DUE TO OR ARISING OUT OF YOUR USE OF ALERTS.

有關網上互惠基金和互惠基金投資的重要法律聲明:

  1. 過去績效並不代表未來收益。互惠基金單位價值/股價、收益率及投資回報率會有波動。 互惠基金之前任何階段的績效並不保證未來成效。本金價值與單位/股票價格會隨市場狀況變化而波動。您贖回單位/股票時,您的原始投資的價值有可能高於或低於您的成本。
  2. 閱讀您所購買基金的公開說明書。 您首次購買任何基金時,基金管理公司必須向您寄送公開說明書。簡化版公開說明書中含有基金目標、策略、風險及由基金管理公司收取的費用等重要資訊。您投資前仔細務必閱讀公開說明書,以確保基金目標和潛在風險符合您的需求,這很重要。互惠基金投資單位/股票不受Canada Deposit Insurance Corporation或Régie de l'Assurance-dépôts du Québec或滿地可銀行承保。
  3. 資訊可靠性。 B M O IL's Mutual Funds Online service is provided for information purposes only. 文章並無意提供法律、投資、會計或稅務意見,因此也不應以此看待本文。若您需要法律或投資建議,請向合格的專業人士取得服務。 While the information supplied by Morningstar Canada and Chand Carmichael & Company are deemed to be reliable, B M O IL has not independently verified any such data and does not guarantee its accuracy or suitability for any purpose. Morningstar投資評級由加拿大Morningstar提供且由其全權負責。
  4. 稅務事宜。 您作為互惠基金投資者,可能會收到互惠基金的應稅收益分配。此類稅項可能影響您投資可獲得的實際收益。 We at B M O IL do not offer tax advice except to say that you should consider the impact of taxes before you invest. 如果您有關於稅項的任何疑問,請咨詢您的稅務顧問。
  5. 銷售費用、手續費和績效。 B M O IL is not responsible for any information relating to the investment performance of a mutual fund such as ratings, rankings, quotations, analysis on rates of returns, volatility or any other measurement of performance as presented. 任何互惠基金徵收的管理費用會依基金及基金管理公司而有所差異。儘管績效資料通常反映基金收取的費用,但部分基金管理公司會在一段期間內免收部分費用。本豁免將存在增加的基金報告回報之影響,並須在評估基金績效時加以考慮。
  6. 基金註冊。 並非所有互惠基金在所有省份皆註冊進行銷售。與互惠基金相關的任何通訊不構成在任何未被授權可進行要約或招攬的司法管轄區由任何人進行要約或招攬,或向法律規定不可向其要約或招攬的任何人進行要約或招攬。並非為加拿大居民的潛在投資者須諮詢各自的金融顧問,以確定此類證券是否可在其司法轄區合法銷售。
  7. 互惠基金投資投資可能會產生佣金、尾隨佣金、管理費及相關費用。 投資前請閱讀互惠基金公開說明書,包括模型投資組合中的互惠基金。互惠基金的收益並無保證,其價值會經常變動,過往的業績績效可能不會重現。所示回報率為歷史年度複利式總回報率,包括全部分配的單位價值與再投資的變更,且不考慮銷售、贖回、分配或會減少回報的其他費用或所得稅。
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InSite 新聞

InSite is published quarterly by B M O IL, and is distributed with B M O IL account statements. 如需告知您的情況,或申請此類資料的額外副本,請傳送電子郵件至@bmoinvestorline.com

Please send comments and suggestions to insite@bmoinvestorline.com or mail to: The Editor, B M O InvestorLine InSite, First Canadian Place, 100 King St. W., 41st Floor, Toronto, ON M5X 1H3.

新聞中的文章以一般資訊來源提供。文章並無意提供法律、投資、會計或稅務建議,因此也不應以此看待本文。若需要法律或投資建議或其他專業協助,應向合格專業人士尋求服務。此網路廣播所含的資訊基於據信可靠的來源,但並不保證其準確性。文章中表達的看法與提供的資訊純屬作者個人觀點。

互惠基金投資投資可能會產生佣金、尾隨佣金、管理費及相關費用。投資前請閱讀互惠基金公開說明書,包括模型投資組合中的互惠基金。互惠基金的收益並無保證,其價值會經常變動,過往的業績績效可能不會重現。所示回報率為歷史年度複利式總回報率,包括全部分配的單位價值與再投資的變更,且不考慮銷售、贖回、分配或會減少回報的其他費用或所得稅。

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應用程式

As consideration for your continuing compliance with and agreement to be bound by the Terms and Additional Terms, we hereby grant and you hereby accept a limited, non-exclusive, non-transferable, non-assignable license to use the Applications (which shall include future updates made available to you from time to time, provided you understand that such updates may be subject to additional terms in respect of which you will be notified at the time such update is made available) to access your account(s) at B M O IL from your mobile device, subject to the Terms and Additional Terms.

若您透過應用程式使用網上服務(「行動裝置服務」),下列條款將適用。

You must be a B M O IL client with a valid, active and funded B M O IL account in good standing. 您透過應用程式無法如透過網上服務獲得所有相同的服務、功能、作用、內容或資訊(包括網上訊息中心、聲明、法律與隱私條款、連結、賬單、結單及完整交易與賬戶資訊),且您必須透過一種技術使用網上服務,而非透過應用程式定期使用與網上服務相同的服務、功能、作用、內容及資訊。

You may only use the Applications on mobile devices that are authorized by B M O IL as being eligible to receive the Mobile Services.

您僅可基於您個人、私人、非商業目的,並在屬於您註冊流動裝置上使用流動服務和此類應用程式。

您須始終遵守(且在使用流動服務和此類應用程式時始終遵守)所有適用法律、規則和條例,包括但不限於適用的出口和進口管制法律和條例,且您不可在知情的情況下允許任何他方使用流動服務或此類應用程式或與任何非法目的或活動相關的使用。在使用和/或傳播此類應用程式違反當地法律、規則和/或條例的司法管轄區或國家,不得由任何人傳播或使用此類應用程式。您有責任遵守所有當地法律、規則和/或條例。

此類應用程式僅可基於使用流動服務之目的(不得基於任何其他目的)而使用。

此類應用程式僅根據本文條款並以本文中所載明之有限目的向您授權。

You will compensate B M O IL in respect of any damages suffered by B M O IL and any losses or liabilities incurred by B M O IL as a result of any and all claims, demands, actions, proceedings, losses, liabilities, damages, costs, fees and expenses (including, without limitation, reasonable attorney fees and costs of any investigation) (collectively, the "Claims") from any third party in relation to any matters arising out of or in any connected with: (a) your use of the Mobile Services, (b) your breach of or failure to comply with any of the Terms or Additional Terms, (c) your failure to comply with any applicable laws, rules or regulations, and (d) any negligence, bad faith, fraud or willful misconduct by or on behalf of you.

使用流動服務(包括此類應用程式)的風險自擔,透過流動服務獲取任何資料、資訊或服務及由此產生的任何投資損失,由您自行負責。

流動服務是基於為您帶來便捷而提供。

您將始終遵守我們對流動服務所建立的所有技術和安全要求。

In the event that you fail to comply with the Terms or Additional Terms or your account(s) at B M O IL are closed, all rights granted to you in relation to the Applications and the Mobile Services shall immediately come to an end and you will immediately destroy all copies of the Applications.

您不可:

  1. 更改、修改、改編或轉譯整體或部分應用程式或供您使用或供您存取或使用流動服務或對應用程式進行維護的其他電腦軟件,亦不可複製、編譯、傳播、進行反向工程、分解、反編譯、停用任何功能,或從應用程式原始程式碼或應用程式的部分或整體組件進行衍生;
  2. 將應用程式或其中任何組件與任何其他程序相合併,或根據應用程式組件創建衍生品;
  3. 使用整體或部分應用程式或與之相關的任何機密資訊,創建功能與此類應用程式或其中部分功能相同的軟件;
  4. 向任何其他方授權、再授權、銷售、傳播、廣播、傳輸或以其他形式或方式發佈此類應用程式或行動服務,或轉讓、指定、操縱或授予應用程式或流動服務的使用權或任何其他權利或其中所含的資訊。
  5. 向任何公眾或公開使用的網路複製此類應用程式或透過行動服務存取的資訊,或以任何形式複製整體或部分應用程式或流動服務;
  6. 移除或篡改任何所有權聲明或標籤,包含隨應用程式或流動服務所附或其中包含的版權聲明或資料來源屬性。
  7. 以任何可能鼓勵、獲取或進行任何違法或犯罪活動或可能對他人造成損害或傷害的形式使用應用程式或流動服務;或
  8. cause damage to any of the websites, servers, systems or equipment used in the provision of the Mobile Service by B M O IL or any other third party, and you may not access or attempt to access any user data or to penetrate any of the security measures relating to the Mobile Services; and will in all cases indemnify and hold harmless B M O IL and its affiliates from any and all Claims in respect thereof.

有些重要的條款及細則僅在您在應用程式中點擊資訊圖示或連結時才會顯示。您必須查看並閱讀該條款及細則。

應用程式在加拿大和美國之外的地區可能不提供使用。存取應用程式而產生由服務供應商收取的費用由您負責支付。

The Mobile Services may be adversely affected by the performance of and any outages on mobile device networks, or when you are not in an area of mobile coverage, or other factors beyond the control of B M O IL or any of its affiliates or any third party, and neither B M O IL nor its affiliates will be liable therefor.

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電郵

包含隨電子郵件傳送的資訊在內的電子郵件通訊僅由收信人使用,且為機密資訊。若您不是指定接收者或不負責向指定接收者傳送此類訊息,您將被嚴格禁止進行任何檢閱、揭露、轉為印刷本、傳播、複製或以任何形式使用此通訊內容。

我們不會透過電子郵件傳送要求提供個人或賬戶資訊的訊息(即釣魚郵件)。 如需了解詳情,請查看電子郵件欺詐和「釣魚郵件」。 If you do receive such an email that appears to be from B M O IL, please contact us directly at 1 888 776-6886. 重要資訊:您向我們傳送的電子郵件未經加密。請勿透過網際網路電子郵件向我們發送任何個人資訊(例如:賬戶號碼和/或密碼)。

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互惠基金投資投資可能會產生佣金、尾隨佣金、管理費及相關費用。投資前請閱讀互惠基金公開說明書,包括模型投資組合中的互惠基金。互惠基金的收益並無保證,其價值會經常變動,過往的業績績效可能不會重現。所示回報率為歷史年度複利式總回報率,包括全部分配的單位價值與再投資的變更,且不考慮銷售、贖回、分配或會減少回報的其他費用或所得稅。

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The opinions and views expressed in the webcast presentations are that of the speaker and not B M O IL. Any strategies discussed, including examples using actual securities and price data, are strictly for illustrative and educational purposes only and are not to be construed as an endorsement, recommendation, or solicitation to buy or sell securities. 過去績效並不保證未來收益。

這些說明中的陳述為一般資訊來源。文章並無意提供法律、投資、會計或稅務建議,因此也不應以此看待本文。若需要法律或投資建議或其他專業協助,應向合格的專業人士尋求服務。此網路廣播所含的資訊基於據信可靠的來源,但並不保證其準確性。

互惠基金投資投資可能會產生佣金、尾隨佣金、管理費及相關費用。投資前請閱讀互惠基金公開說明書,包括模型投資組合中的互惠基金。互惠基金的收益並無保證,其價值會經常變動,過往的業績績效可能不會重現。所示回報率為歷史年度複利式總回報率,包括全部分配的單位價值與再投資的變更,且不考慮銷售、贖回、分配或會減少回報的其他費用或所得稅。

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