TWH Financial Disclaimers
This website, its design and content is the exclusive property of TWH Financial. All rights reserved. Unauthorized reproduction, use or representation of this website, in part or in whole is expressly forbidden.
All images are copyright their original owners and are used under the licenses applied.
TWH Financial Corp. is a registered corporation within the province of Saskatchewan, Canada.
TWH Financial reserves the right to add, modify or remove any content at any time.
Manulife Securities Investment Services Inc. Disclaimers:
Website/Canadian Residency Disclaimer
The information contained herein is for Canadian residents only and does not constitute an offer to sell or a solicitation in any foreign jurisdiction, or in any Canadian jurisdiction where TWH Financial is not qualified to effect sales. This website is not meant to provide legal or account advice. As each situation is different you should consult your own professional advisor for advice based on your specific circumstances.
Dual-Branding Disclaimer
Manulife Securities Investment Services Inc.:
Manulife Securities Investment Services Inc. is registered as a Mutual Fund Dealer with the Provincial Securities Commissions and as such our Associates are entitled to sell mutual funds and other approved securities as permitted under our registration. They may also be able to provide other services or products to you through their own business. As a member of the Mutual Fund Dealers Association of Canada ("MFDA"), Manulife Securities Investment Services Inc. is obligated to disclose to you that you may be dealing with companies other than Manulife Securities Investment Services Inc. when purchasing services or products from your Associate (remuneration to your Associate may also come from various sources depending on the services or products purchased). For example, your Associate may offer any one or more of the following through a separate business, which would not be the responsibility of Manulife Securities Investment Services Inc.:
* Deposit Instruments: GICs, Canada Savings Bonds;
* Fee for Service Financial Planning;
* Estate Planning;
* Tax Planning or Income Tax Preparation;
* Insurance: Life, Accident, Sickness, Disability, General.
Please be sure that you have a clear understanding of which company you are dealing with for each of your services and products. Your Associate would be happy to provide any clarification you require.
Mutual Fund Disclaimers
Mutual Funds
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.
Labour-Sponsored Investment Funds (LSIFs)
Commissions, trailing commissions, management fees and expenses all may be associated with investments in labour-sponsored investment funds (“LSIFs”). Please read the prospectus before investing. Labour-sponsored investment funds (LSIFs) are not guaranteed their value changes frequently and past performance may not be repeated. Availability and amounts of tax credits are subject to certain conditions and limitations and are subject to repayment if shares are not held for eight years.
Insurance & Segregated Fund Disclaimer
Insurance Disclaimer
Insurance products and services are offered through Manulife Securities Insurance Inc. (a licensed life insurance agency and subsidiary of the Manulife Securities) by Manulife Securities Advisors licensed as life agents.
Segregated Funds
Subject to any applicable death and maturity guarantee, any part of the premium or other amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value according to fluctuations in the market value of the assets in the segregated fund.
Borrowed Money (& Leverage)
Using borrowed money to finance the purchase of securities involves greater risk than a purchase using cash resources only. If you borrow money to purchase securities, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of the securities purchases declines.