TERMS OF USE

Your acceptance of this Agreement

These terms of use constitute the agreement ("Agreement") between you and Veritas Investment Research Corp.  ("Veritas"), and governs your use of the Veritas website at veritascorp.com  ("Website") and its content ("Content"). Each time you use this Website you signify your acceptance of this Agreement and the acceptance of any person you purport to represent. If you do not agree to be bound by this Agreement, do not access or use this Website or the Content.

  1. About Veritas Investment Research

Founded in 2000, Veritas is Canada’s most recognized independent equity research firm. We provide in-depth analysis of Canadian and international companies. Our unique forensic accounting-based research approach has proven that a careful understanding of financial information is the key to a secure investment decision.

  1. Information

The contents of this Website are provided for informational and educational purposes and do not constitute specific advice regarding your personal investment situation or provide specific individual advice about investment, insurance, financial, legal, accounting, tax or similar matters.

Information contained on this Website is believed to be accurate and reliable when placed on this Website, however, we cannot guarantee that it is accurate or complete or current at all times. The information provided is subject to change without notice and Veritas cannot be held liable for any loss arising from any use of or reliance on the information contained on this Website.

  1. Disclaimer, limitation of liability and release

THIS WEBSITE AND THE CONTENT ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. USE OF THIS WEBSITE OR THE CONTENT IS AT YOUR OWN RISK. VERITAS AND ITS AFFILIATES AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS (COLLECTIVELY, THE 'VERITAS PARTIES') DO NOT MAKE ANY REPRESENTATIONS, WARRANTIES OR CONDITIONS ABOUT THE QUALITY, ACCURACY, RELIABILITY, COMPLETENESS, CURRENCY, OR TIMELINESS OF THIS WEBSITE OR THE CONTENT. THE VERITAS PARTIES DO NOT ASSUME ANY RESPONSIBILITY FOR ANY ERRORS, OMISSIONS OR INACCURACIES IN THIS WEBSITE OR THE CONTENT.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE VERITAS PARTIES DISCLAIM ALL WARRANTIES, REPRESENTATIONS AND CONDITIONS OF ANY KIND WITH RESPECT TO THIS WEBSITE AND THE CONTENT WHETHER EXPRESS, IMPLIED OR COLLATERAL, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT OR THAT THIS WEBSITE AND THE CONTENT ARE OR WILL BE ERROR FREE OR WILL OPERATE WITHOUT INTERRUPTION, OR 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.  IN NO EVENT WILL VERITAS BE LIABLE, WHETHER BASED ON WARRANTY, CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR ANY OTHER LEGAL THEORY, FOR (AND TO THE FULLEST EXTENT PERMITTED BY LAW, YOU RELEASE VERITAS FROM) ANY LIABILITIES AND DAMAGES OF ANY KIND (INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE DAMAGES, LOST PROFITS, LOSS OF USE, LOSS OF DATA, PERSONAL INJURY, FINES, FEES, PENALTIES OR OTHER LIABILITIES), WHETHER OR NOT VERITAS IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM THE USE OF, OR THE INABILITY TO MAKE USE OF, THIS WEBSITE OR THE CONTENT.

UNLESS OTHERWISE EXPRESSLY INDICATED, ALL INFORMATION IS UNAUDITED AND THERE IS NO REPRESENTATION THAT THE FINANCIAL INFORMATION HAS BEEN PREPARED IN ACCORDANCE WITH GENERALLY ACCEPTED ACCOUNTING PRINCIPLES.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES.  ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

  1. No endorsements

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

Links from or to third party websites are intended for convenience only. Veritas does not review, approve, endorse or control, and is not responsible for any third party 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 Veritas will not be responsible or liable for any damages in connection with linking.

  1. Confidentiality (Internet and email)

Veritas cannot ensure the privacy and authenticity of any information or instructions you send to us or that we send to you over the Internet. Veritas will not be responsible for any loss or 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.

The transmission of data or information over the Internet or other forms of networks may not be secure, and is subject to possible loss, interception or alteration while in transit. Veritas cannot guarantee the security of any communication to or from this Website. Veritas does not assume any liability for any damages you may experience or costs you may incur as a result of any electronic transmissions over the Internet, other forms of networks or otherwise while using this Website.

In respect of any privacy matters you may access Veritas' privacy policy (the "Privacy Policy") by clicking on this link.

  1. Trade-marks and copyrights

This Website and the Content are protected by trademark and copyright laws.  Veritas grants to you a non-exclusive, personal, non-transferable, non-sublicencable, limited and revocable right to display the Content on your computer and to print, download and use the Content, provided that you do not modify such Content and you include with and display on each copy of such Content the associated trade-mark and/or copyright notices. No other use is permitted.  Any modification or unauthorized use of the Content is a violation of Veritas 's intellectual property rights and will subject the violator to legal action.

  1. Independent views

Views expressed on blogs, articles, videos or otherwise on this Website regarding a particular company, security, industry or market sector by any speaker/author are the views of only that speaker/author as of the time expressed and do not necessarily represent the views of Veritas. Any such views are subject to change at any time based upon markets and other conditions and Veritas disclaims any responsibility to update such views. These views are not a recommendation to buy or sell any particular security and may not be relied on as investment advice and, because investment decisions for Veritas funds are based on numerous factors, may not be relied on as an indication of trading intent on behalf of any Veritas fund.

Speculation or stated beliefs about future events, such as market and economic conditions, company or security performance, upcoming product offerings or other projections are "forward-looking statements". These forward-looking statements represent the beliefs of the speaker/author and do not necessarily represent the views of Veritas. General business, market, economic and political conditions could cause actual results to differ materially from what the speaker/author presently anticipates or projects.

  1. Forward-looking statements

This Website may contain forward-looking statements which reflect our current expectations or forecasts of future events. Forward-looking statements include statements that are predictive in nature, depend upon or refer to future events or conditions, or include words such as "expects", "anticipates", "intends", "plans", "believes", "estimates", "preliminary", "typical", and other similar expressions. In addition, these statements may relate to future corporate actions, future financial performance of a fund or a security and their future investment strategies and prospects. Forward-looking statements are inherently subject to, among other things, risks, uncertainties and assumptions which could cause actual events, results, performance or prospects to differ materially from those expressed in, or implied by, these forward-looking statements. These risks, uncertainties and assumptions include, without limitation, general economic, political and market factors in North America and internationally, interest and foreign exchange rates, the volatility of global equity and capital markets, business competition, technological change, changes in government regulations, changes in tax laws, unexpected judicial or regulatory proceedings, catastrophic events and the ability of Veritas to attract or retain key employees. The foregoing list of important risks, uncertainties and assumptions is not exhaustive. Please consider these and other factors carefully and not place undue reliance on forward-looking statements.

The forward-looking statements contained on this Website is current only as of the date the statement was made. There should not be an expectation that such information will in all circumstances be updated, supplemented or revised whether as a result of new information, changing circumstances, future events or otherwise.

  1. Termination

You acknowledge and agree that Veritas may restrict, suspend or terminate your access to, and use of, all or any part of this Website, including any links to third party websites, at any time, with or without cause, including, without limitation, any breach of the terms of this Agreement, in Veritas' absolute discretion and without prior notice or liability.

  1. General provisions

This Agreement, together with the Privacy Policy, constitutes the entire agreement between Veritas and you pertaining to your use of this Website and the Content. Veritas' failure to insist upon or enforce strict performance of any provision of this Agreement shall not be construed as a waiver of any provision or right. If any of the provisions contained in this Agreement are determined to be void, invalid or otherwise unenforceable by a court of competent jurisdiction, such determination shall not affect the remaining provisions of this Agreement.

  1. Changes to Website, Content and Agreement

At any time and without prior notice, Veritas may change this Website, the Content and this Agreement. It is your responsibility to check this Agreement for changes. Your continued use of this Website or the Content will be deemed to be your unconditional acceptance of any changes to this Agreement.

  1. Governing law

The laws of the Province of Ontario, and any applicable federal laws of Canada will govern this Agreement and your use of this Website.

  1. Effective date

This Agreement was last updated and is effective as of September 6, 2022.

© Veritas Investment Research Corp. 2023.  All rights reserved.