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法律声明和免责声明

A.  TD Bank Group

道明银行集团是指道明银行及其旗下提供存款、投资、贷款、证券、信托、保险以及其他产品或服务的附属机构。

B.  Use of Website

对于因您使用本网站和/或任何网页浏览器而以任何方式产生的任何直接、间接、特殊或继发损失,包括当您向我们传输机密或敏感信息或我们应您的请求通过互联网向您传输此类信息时,您可能遭受的任何损失,道明银行集团不承担任何责任。本网站提供的其他网站的链接仅为方便起见。本网站上引用、包含或链接的任何信息、材料或内容,并不代表或意味着对任何第三方产品、服务或信息的认可。

C.  Email Disclaimer

电子邮件通信及其附带的所有信息仅限收件人使用,并属于保密内容。如果您并非预期的收款人,或者不负责将消息传递给预期的收款人,请切勿查看、披露、印刷、传播、复制或以任何方式使用此通信的任何部分。同时,请不要在依赖此通信的情况下采取或忽略任何行动。如果您错误地或未经授权收到了这份通讯,请立即通过回复电子邮件或其他途径通知我们,并确保从任何计算机、磁盘驱动器或其他存储介质中永久删除整个通讯。

D.  Information

道明银行集团提供的信息以及本网站上其他来源的信息在发布于本网站时被认为是准确可靠的,但我们无法保证其在任何时候都是准确、完整或最新的。本网站的信息仅供参考,并非意图提供财务、法律、会计或税务建议,因此在相关领域不应过分依赖这些信息。我们会努力保持本网站上发布的费率和费用信息的时效性。尽管如此,汇率、费用和信息可能随时发生变化,恕不提前通知用户,因此网站上公布的汇率和费用可能不会立即反映这些调整。在任何费用变更生效之前,我们将至少提前60天(或加拿大证券监管机构规定的更短期限)通知客户有关适用费用的变更。

我们的政策仅英语和法语版为正式版本。一切合同权利均以官方版本为准。为方便客户,我们将文件翻译成了其他几种语言,以帮助不会讲英语或法语的客户理解英语或法语版本 (视情况而定) 的文件。如果翻译版本与英语或法语版本存在任何冲突或歧义,应以英语或法语版本为准。

E.  Trade-marks and Copyrights

Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this Website may constitute trade names, registered or unregistered trade-marks or service marks ("Trade-marks") of The Toronto-Dominion Bank ("TD Bank"), other members of the TD Bank Group or of third parties and used under license by TD Bank or other members of the TD Bank Group. However, the display of Trade-marks on pages at this Website does not imply that any license has been granted to any third party.

此网站上的所有信息均受到加拿大和/或其他国家的版权法律保护。 Users of this Website shall be entitled to copy any information for their own personal use but may not republish or reproduce any such information in any manner, including electronic reproduction by "uploading" or "downloading", without the prior written consent of the TD Bank Group. Otherwise, no one has permission to copy, redistribute, reproduce or republish, in any form, any information found in the pages of this Website.

Any unauthorized downloading, re-transmission, or other copying or modification of Trade-marks or other contents of this Website may be a violation of statutory or common law rights which could subject the violator to legal action.

F.  Designated Locations for Service of Support Enforcement Notices and Requirements to Pay, Requests for Information, and Orders received from the CRA

In compliance with the Bank Act Support Orders and Support Provisions (Banks and Authorized Foreign Banks) Regulations and the Trust and Loan Companies Act Support Orders and Support Provisions (Trust and Loan Companies) Regulations, the following offices have been designated by The Toronto-Dominion Bank , The Canada Trust Company , TD Mortgage Corporation and TD Pacific Mortgage Corporation , all carrying on business as TD Canada Trust , for the service of enforcement notices in respect of the provinces noted below.

Alberta
道明加拿大信托
Calgary Place
Personal Banking Center
340 5th Ave SW
Calgary, Alberta
T2P 0L3

British Columbia
道明加拿大信托
700 W Georgia Pacific Centre
Vancouver, British Columbia
V7Y 1A2

Manitoba
道明加拿大信托
P.O. Box 896
201 Portage Ave
Winnipeg, Manitoba
W3C 2T2

New Brunswick
道明加拿大信托
77 Westmorland Street
Fredericton, New Brunswick
E3B 6Z3

Newfoundland and Labrador
道明加拿大信托
140 Water Street
St. John's, Newfoundland and Labrador
A1C 6H6

Northwest Territories
道明加拿大信托
#18 YK Centre
4910 - 50th Ave
Yellowknife, NT
X1A 3S5

Nova Scotia
道明加拿大信托
1785 Barrington & George Streets
Halifax, Nova Scotia
B3J 2P8

Ontario
道明加拿大信托
Creekside Banking Services
Legal Demands Department
4720 Tahoe Blvd., 3rd Floor
安大略省米西索加
L4W 5P2

Prince Edward Island
道明加拿大信托
192 Queen Street
Charlottetown, PEI
C1A 7L3

Québec
道明加拿大信托
525 rue Viger Ouest, 1e étage
Montréal, Québec,
H2Z 0B2

Saskatchewan
道明加拿大信托
1904 Hamilton Street
Regina, Saskatchewan
S4P 3N5

Yukon
道明加拿大信托
200 Main St.
Whitehorse, YT
Y1A 2A9



已专门指定下列办事处提供与CRA申请相关的服务:

Type of
Request
省份 服务的分行 传真号码
Requirement
to Pay:
全部
省政府
道明加拿大信托
Creekside Banking Services
Legal Demands Department
4720 Tahoe Blvd., 3rd Floor
Mississauga, ON
L4W 5P2
1-855-569-1640
支付要求:
TD Waterhouse/TD Securities/ TD
Wealth Clients
所有省份 道明宏达理财
C/O TD Canada Trust
Creekside Banking Services
Legal Demands Department
4720 Tahoe Blvd., 3rd Floor
Mississauga, ON
L4W 5P2
1-855-569-1640
Request for
Information:
Ontario
British Columbia
Alberta
Saskatchewan
Manitoba
Yukon
Northwest Territories
道明加拿大信托
Creekside Banking Services
RFI部门
4880 Tahoe Blvd., 3rd Floor
Mississauga, ON
L4W 5P3
905-214-4134

Quebec
New Brunswick
Nova Scotia
Prince Edward Island
Newfoundland
and Labrador

道明加拿大信托
Montréal银行服务
7250 Mile End Rd, 7th Floor
Montréal, Québec
H2R 3A4

514-289-0275
信息查询:
TD Waterhouse/TD Securities/TD
Wealth Clients
所有省份 道明宏达理财
C/O TD Canada Trust
Creekside Banking Services
RFI部门
4880 Tahoe Blvd., 3rd Floor
Mississauga, ON
L4W 5P3
905-214-4134

G.  Product Information


(a) 一般性条款

道明银行集团的产品和服务仅在法律许可的司法辖区提供。所有产品和服务都受适用协议的条款约束。本网站中的信息如有更改,恕不另行通知。任何人通过通信进行要约或兜售的行为在某些司法管辖区未获得授权,而向某些个人进行此类要约或兜售属于非法行为。在这些司法管辖区内以及对于此类个人,此通信不构成要约或兜售。不居住在加拿大的潜在投资者应咨询其财务顾问,以确定这些证券在其司法管辖区是否可以合法销售。
如要获得更多信息,请点击此处:

Visa

Visa 、Verified by VisaPlusVisa International Service Association/道明加拿大信托(TD Canada Trust)的商标,经许可使用。

Chargex: TD Canada Trust, licensed user of Mark.

InteracInterac 标识是Interac Inc.的商标,道明加拿大信托(TD Canada Trust)是商标的授权用户。

American Express:经美国运通公司(American Express Company)许可使用。

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TD Canada Trust Market Growth GICs and Security GIC Plus

TD Canada Trust Market Growth GICs and Security GIC Plus cannot be redeemed or cashed prior to maturity.

“S&P 500指数”、“标准普尔”,“S&P”、“S&P 500”、“标准普尔500”和“500”是The McGraw-Hill Companies, Inc.的商标。TSX是多伦多证券交易所的商标。 These marks have been licensed for use by The Toronto-Dominion Bank. The Dow Jones EURO STOXX 50 Index is proprietary and copyrighted material. The Dow Jones EURO STOXX 50 Index and the related trademarks have been licensed for certain purposes by The Toronto-Dominion Bank. Neither STOXX Limited nor Dow Jones & Company, Inc. sponsors, endorses or promotes the products based on the Dow Jones EURO STOXX 50 Index.

GIC PLUS, FINANCIALS GIC PLUS, UTILITIES GIC PLUS, U.S. GIC PLUS, GLOBAL GIC PLUS and Security GIC PLUS products are not sponsored, endorsed, sold or promoted by Standard & Poor's or the Toronto Stock Exchange, and neither makes any representation, warranty or condition regarding the advisability of investing in these products.

Returns for GLOBAL GIC PLUS are linked to the combined performance of the following stock market indices: S&P/TSX 60, S&P 500, FTSE 100, Nikkei 225, Dow Jones EURO STOXX 50. The indices shown, their associated stock exchanges or any entity that prepares or publishes such indices, and owners of any trade-marks associated with such indices or entities, are not associated with the GLOBAL GIC PLUS product. The weighting of each of these indices will be determined by The Toronto-Dominion Bank and may vary or fluctuate from day to day. Use of or reference to any index or trade-mark is intended to be generic only and does not imply endorsement by any such entity.

Terms and Conditions Pertaining to Telephone Sales of TD Canada Trust Market Growth GICs and Security GIC Plus:

  • If you purchase one of the TD Canada Trust Market Growth GICs or the Security GIC Plus over the telephone and do not receive at the time of purchase a TD Canada Trust Market Growth GIC Disclosure Statement, you may rescind the purchase within 48 hours of actual or deemed receipt of a Disclosure Statement.
  • 依照法律,在我们发送披露声明的邮戳日期的五日后,您将被视为已收到此声明。
在您行使撤销权后,道明加拿大信托会将您为本次购买而存入的本金 (若有) 以及您已支付的与本次购买相关的任何费用退还给您。

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TD Waterhouse Canada Inc.:

TD Direct Investing (new business name) and TD Waterhouse Discount Brokerage (former business name) both refer to a single division of TD Waterhouse Canada Inc.

TD Wealth Financial Planning (new business name) and TD Waterhouse Financial Planning (former business name) both refer to a single division of TD Waterhouse Canada Inc.

TD Wealth Private Investment Advice (new business name) and TD Waterhouse Private Investment Advice (former business name) both refer to a single division of TD Waterhouse Canada Inc.

TD Waterhouse Canada Inc. is a subsidiary of The Toronto-Dominion Bank. TD Waterhouse Canada Inc. - Member of the Canadian Investor Protection Fund.

Vice-President Title

TD Wealth Private Investment Advice awards the title of Vice-President to those Investment Advisors who meet standards for seniority, business metrics, and a satisfactory compliance record. 道明宏达理财加拿大有限公司 (TD Waterhouse Canada Inc.) 管理层每年都会对这些标准的遵守情况进行考核。 The Vice-President title does not indicate that an Investment Advisor is a corporate officer of TD Waterhouse Canada Inc.

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TD Wealth / TD Waterhouse:

TD Wealth Private Client Group (current name) and TD Waterhouse Private Client Services (former name) both refer to the products and services offered by TD Waterhouse Private Investment Counsel Inc., TD Wealth Private Trust and TD Wealth Private Banking.

道明财富私人信托是指由加拿大信托公司提供的产品和服务。

道明财富私人理财服务是指由道明银行提供的产品和服务。

道明财富私人全权托管投资部是指由道明银行属下部门道明宏达理财私人全权托管投资有限公司提供的产品和服务。

TD Harbour Capital is a division of TD Waterhouse Private Investment Counsel Inc.

道明财富保险服务(TD Wealth Insurance Services)是指道明银行集团(TD Bank Group)旗下的道明宏达理财保险服务有限公司(TD Waterhouse Insurance Services Inc.)。所有保险产品和服务均由道明宏达理财保险服务公司的人寿保险持牌顾问提供。

TD注册计划信托服务是指由加拿大信托公司提供的产品和服务。

TD预付服务代表由加拿大存款保险公司 (Canada Deposit Insurance Corporation) 旗下的加拿大信托公司 (The Canada Trust Company) 提供的丧葬存款和信托服务。

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道明投资服务有限公司:

道明投资服务有限公司(TD Investment Services Inc.)的互惠基金代表在道明加拿大信托分销互惠基金。

TD Asset Management:


一般披露:

进行互惠基金投资可能需要负担相关佣金、尾随佣金、管理费以及支出。请在投资前阅读基金概况和招股说明书,内附详细的投资信息。上述所示之回报率(各货币市场基金除外)为过往截止所示日期前之年度复式总回报,并已将单位价值变动及分红再投资计算在内。所显示的每种货币市场基金的回报率是指所示七天期限内的年化历史收益率,并在复利计算七天回报的基础上对有效收益率按年度计算所得,并不代表实际一年的回报率。 The indicated rates of return do not take into account sales, redemption, distribution or optional charges or income taxes payable by any unitholder that would have reduced returns.互惠基金不受加拿大存款保险局(Canada Deposit Insurance Corporation)或其他政府保险机构之保证或保险。互惠基金价值经常变动。货币市场基金的每单位资产净值不获保证会维持不变,您的投资本金亦不获保证全数归还。过往表现未必会重现。

The performance of an Index fund is expected to be lower than the performance of its respective index. Investors cannot invest directly in an index. Comparisons to indices have limitations because indices have volatility and other material characteristics that may differ from a particular mutual fund.

目标分红率以基金每单位 (PU) 资产净值 (NAV) 为基础。目标分红率将随系列的NAVPU或每单位每月分红的变化而变化。这仅仅是目标分红,不提供保证,可能在未事先通知的情况下不时调整,也不是对未来分红的预测。 The most recent actual monthly distributions per unit are available on the TDAM website at tdassetmanagement.com

不应将分红的派发与基金的表现、回报比率或收益相混淆。如果基金支付的派息超过了基金的绩效水平,超额部分将从您投资的本金中扣除。

当某基金的单位售罄或调整后的成本基数低于零时,将须支付递延的资本收益税。资本回报(ROC)分红并不构成基金回报率或收益率的一部分。资本回报降低了相关基金单位的调整后成本基数。

图表仅用于说明复合增长率的影响,不代表任何基金的未来价值或任何基金的投资回报。

受监管限制,对于历史不足一年的基金或投资组合,业绩回报不予公开。

互惠基金策略和当前所持资产可能会有变动。

For funds that are purchased under the Low Sales Charge 2 (LSC2) option, once securities acquired under this purchase option are held for periods greater than 4 years, the maximum annual trail commission rate that can be paid to your dealer may automatically increase to the maximum annual trail commission rate payable under the front-end load option for the same fund.

道明互惠基金和道明资产管理计划投资组合由道明银行 (Toronto-Dominion Bank) 全资子公司道明资产管理有限公司 (TD Asset Management Inc.) 管理,并通过授权经销商销售。

TD互惠基金公司类基金由TD Mutual Funds Corporate Class Ltd.发行。

Epoch Investment Partners, Inc. ("Epoch") 是道明银行的全资子公司,也是道明资产管理公司的附属机构。

®© 2015 Morningstar is a registered trademark of Morningstar Research Inc. All rights reserved.

FTSE TMX Global Debt Capital Markets Inc. ("FTDCM"), FTSE International Limited ("FTSE"), the London Stock Exchange Group companies (the "Exchange") or TSX INC. ("TSX" and together with FTDCM, FTSE and the Exchange, the "Licensor Parties"). The Licensor Parties make no warranty or representation whatsoever, expressly or impliedly, either as to the results to be obtained from the use of the index/indices ("the Index/Indices") and/or the figure at which the said Index/Indices stand at any particular time on any particular day or otherwise. The Index/Indices are compiled and calculated by FTDCM and all copyright in the Index/Indices values and constituent lists vests in FTDCM. The Licensor Parties shall not be liable (whether in negligence or otherwise) to any person for any error in the Index/Indices and the Licensor Parties shall not be under any obligation to advise any person of any error therein.

“TMX” is a trade mark of TSX Inc. and is used under licence. “FTSE®” is a trade mark of the London Stock Exchange Group companies and is used by FTDCM under licence.

短期交易费用披露:

需向基金支付最高2%的短期交易费,此要求适用于道明互惠基金的所有单位(货币市场基金除外)。请参阅相关基金概况文档以了解详情。

Disclosure for TD Diversified Monthly Income Fund:

In December 2006, the investment objective of the TD Diversified Monthly Income Fund (formerly TD Monthly High Income Fund) changed to permit the fund to invest primarily in income-producing securities. The fund was previously required to invest primarily in Canadian equities, bonds and short-term instruments. If the change had been in effect previously, the fund's performance could have been materially different.

Disclosure for the TD North American Dividend Fund:

In December 2006, the investment objective of the TD North American Dividend Fund (formerly TD U.S. Equity Fund) changed to permit the fund to invest primarily in income-producing securities in North America. The fund was previously required to invest primarily in large-cap companies in the U.S. If the change had been in effect previously, the fund's performance could have been materially different.

Disclosure for the TD U.S. Quantitative Equity Fund:

In December 2006, the investment objective of the TD U.S. Quantitative Equity Fund (formerly TD AmeriGrowth RSP Fund) changed. If the change had been in effect previously, the fund's performance could have been materially different.

Disclosure for TD Global Bond Fund:

In December 2006, the investment objective of the TD Global Bond Fund (formerly TD Global RSP Bond Fund) changed. If the change had been in effect previously, the fund's performance could have been materially different.

Disclosure for TD International Index Currency Neutral Fund:

In December 2006, the investment objective of the TD International Index Currency Neutral Fund (formerly TD International RSP Index Fund) changed. If the change had been in effect previously, the fund's performance could have been materially different.

Disclosure for TD U.S. Index Currency Neutral Fund:

In December 2006, the investment objective of the TD U.S. Index Currency Neutral Fund (formerly TD U.S. RSP Index Fund) changed. If the change had been in effect previously, the fund's performance could have been materially different.

Disclosure for TD International Growth Fund:

Effective November 12, 2013, TD Asset Management Inc. became the portfolio adviser for the TD International Growth Fund. Previously, Echo Point Investment Management, LLC was a portfolio adviser for the fund.如果此前已变更投资组合顾问,基金的表现可能会有较大差异。

Disclosure for Epoch Global Shareholder Yield Fund:

2013年7月31日起,Epoch Investment Partners, Inc.成为Epoch Global Shareholder Yield Fund(前身为TD Global Dividend Fund)的投资组合顾问。此前,道明资产管理有限公司为该基金的投资组合顾问。如果在此日期之前已变更投资组合顾问,基金的表现可能会有较大差异。

Disclosure for the Epoch European Equity Fund:

Effective July 31, 2013, Epoch Investment Partners, Inc. became the portfolio adviser for the Epoch European Equity Fund (formerly TD European Growth Fund). Previously, TDAM was the portfolio adviser for the fund.如果在此日期之前已变更投资组合顾问,基金的表现可能会有较大差异。

Disclosure for the Epoch U.S. Large-Cap Value Fund:

2013年5月9日起,Epoch Investment Partners, Inc成为Epoch美国大型企业股票价值基金(前身为TD美国大型企业股票价值基金)的投资组合顾问。此前,T. Rowe Price Associates, Inc.为该基金的投资组合顾问。如果此前已变更投资组合顾问,基金的表现可能会有较大差异。

Disclosure for the Epoch Global Equity Fund:

2013年4月29日起,Epoch Investment Partners, Inc.成为Epoch Global Equity Fund(前身为TD Global Growth Fund)的投资组合顾问。在此之前,Newton Capital Management Limited是该基金的投资组合顾问。如果此前已变更投资组合顾问,基金的表现可能会有较大差异。

Effective August 1, 2009, Newton Capital Management Limited became the portfolio adviser for the TD Global Growth Fund. Previously, Oppenheimer Funds, Inc. was the portfolio adviser.如果此前已变更投资组合顾问,基金的表现可能会有较大差异。

Disclosure for the TD Corporate Bond Capital Yield Fund:

As of the close of business April 5, 2013, the TD Corporate Bond Capital Yield Fund is no longer available for purchase.

Disclosure for the TD Balanced Income Fund:

Effective December 15, 2011, TD Asset Management Inc. became the sole portfolio adviser for the TD Balanced Income Fund. Previously, both Jarislowsky Fraser Limited and TDAM were portfolio advisers for the fund. If this change had been in effect previously, the fund's performance could have been materially different.

Disclosure for the Canadian Blue Chip Equity Fund:

Effective October 1, 2010, TD Asset Management Inc. became the portfolio adviser for the TD Canadian Blue Chip Equity Fund. Previously, Jarislowsky Fraser Limited was the portfolio adviser.如果此前已变更投资组合顾问,基金的表现可能会有较大差异。

Disclosure for the TD Balanced Growth Fund:

Effective July 21, 2010, TD Asset Management Inc. became the portfolio adviser for the TD Balanced Growth Fund. Previously, McLean Budden Limited was the portfolio adviser.如果此前已变更投资组合顾问,基金的表现可能会有较大差异。

Disclosure for Proposed Mergers and Terminations:

2015年12月1日起,道明资产管理有限公司(TDAM)将不再接受对道明日本指数基金、道明日本增值基金、道明精选基金管理尽用股票增值投资组合、道明美国股票货币中立投资组合和道明加拿大国库券基金的新增投资。道明资产管理有限公司拟在2016年4月15日左右终止这些基金的运营。道明加拿大国库券基金的终止须经证券持有人批准。 Subject to securityholder and regulatory approval, TDAM has proposed to merge on or about April 15, 2016, the TD Energy Fund and TD Precious Metals Fund into the TD Resource Fund, the TD Latin American Growth Fund into the TD Emerging Markets Fund, the TD Mortgage Fund into the TD Short Term Bond Fund, the TD Canadian Blue Chip Equity Fund into the TD Canadian Equity Fund, the TD FundSmart Managed Income Portfolio into the TD Managed Income Portfolio, and TD Canadian Blue Chip Equity Class into the TD Canadian Equity Class.

Disclosure for TD Dow Jones Industrial AverageSM Index Fund:

The "Dow Jones Industrial Average" is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by TDAM. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); DJIA®, The Dow®, Dow Jones® and Dow Jones Industrial Average are trademarks of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by TDAM. TD Dow Jones Industrial AverageSM Index Fund are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices makes no representation or warranty, express or implied, to the owners of the TD Dow Jones Industrial AverageSM Index Fund or any member of the public regarding the advisability of investing in securities generally or in TD Dow Jones Industrial AverageSM Index Fund particularly or the ability of the Dow Jones Industrial Average to track general market performance.标普道琼斯指数与道明资产管理有限公司在道琼斯工业平均指数方面唯一的关系是许可使用指数以及标普道琼斯指数或其许可方的特定商标、服务标志和/或商号。 The Dow Jones Industrial Average is determined, composed and calculated by S&P Dow Jones Indices without regard to TDAM or the TD Dow Jones Industrial AverageSM Index Fund. S&P Dow Jones Indices have no obligation to take the needs of TDAM or the owners of TD Dow Jones Industrial AverageSM Index Fund into consideration in determining, composing or calculating the Dow Jones Industrial Average. S&P Dow Jones Indices is not responsible for and has not participated in the determination of the prices, and amount of TD Dow Jones Industrial AverageSM Index Fund or the timing of the issuance or sale of TD Dow Jones Industrial AverageSM Index Fund or in the determination or calculation of the equation by which TD Dow Jones Industrial AverageSM Index Fund is to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or trading of TD Dow Jones Industrial AverageSM Index Fund. There is no assurance that investment products based on the Dow Jones Industrial Average will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment advisor.将某个证券纳入指数并不意味着标普道琼斯指数建议买入、卖出或持有该证券,同时也不被视为投资建议。 Notwithstanding the foregoing, CME Group Inc. and its affiliates may independently issue and/or sponsor financial products unrelated to TD Dow Jones Industrial AverageSM Index Fund currently being issued by TDAM, but which may be similar to and competitive with TD Dow Jones Industrial AverageSM Index Fund. In addition, CME Group Inc. and its affiliates may trade financial products which are linked to the performance of the Dow Jones Industrial Average.

标普道琼斯指数不保证道琼斯工业平均指数或与之相关的任何数据的充分性、准确性、及时性和/或完整性,也不对任何相关的沟通(包括但不限于口头或书面沟通,包括电子沟通)做出保证。标普道琼斯指数不对其中的任何错误、遗漏或延迟而承担任何损害或责任。 S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY TDAM, OWNERS OF THE TD DOW JONES INDUSTRIAL AVERAGESM INDEX FUND, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE DOW JONES INDUSTRIAL AVERAGE OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND TDAM OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.

Disclosure for TD International Index Fund, TD International Index Currency Neutral Fund, TD European Index Fund and TD Japanese Index Fund:

此基金并未得到MSCI INC. (简称“MSCI”)、该公司的任何附属机构、该公司的任何信息提供商,或者参与任何MSCI指数的编制、计算或创建或与这些活动有关的任何其他第三方 (统称“MSCI方”) 的保荐、背书、销售或推广。MSCI指数为MSCI的专有财产。MSCI及其指数名称是MSCI或其附属机构的服务商标,道明银行已获得将其用于特定用途的许可。MSCI的任何一方对基金发行人、基金份额持有人或其他任何个人或实体关于一般基金投资或特定基金的建议性或暗示性的陈述或保证,以及任何MSCI指数跟踪相应股市表现的能力,均不作任何明示或暗示的声明或保证。MSCI或其附属机构是特定商标、服务商标和商业名称以及MSCI指数的许可方。MSCI指数由MSCI独立确定、编制和计算,与基金、基金发行人、基金份额持有人或其他任何个人或实体无关。MSCI任何一方在确定、编制或计算MSCI指数时,都没有义务考虑基金发行人、基金份额持有人或其他任何个人或实体的需求。MSCI的任何一方均不负责或参与确定基金单位的发行时机、价格或数量,以及基金单位可赎回时的方程式或考虑因素的确定或计算。此外,MSCI的任何一方在基金的管理、营销或发售方面对基金的发行人、份额持有人或任何其他个人或实体均不承担任何义务或责任。虽然MSCI将从MSCI认为可靠的来源获取用于纳入或用于计算MSCI指数的信息,但MSCI任何一方都不对MSCI指数或其中包含的任何数据的独创性、准确性和/或完整性提供保证。MSCI的任何一方均不就基金发行人、基金份额持有人或其他任何个人或实体,通过使用任何MSCI指数或其中包含的任何数据所能获得的结果,作出任何明示或暗示的保证。MSCI的任何一方均不对任何MSCI指数或其中包含的任何数据的错误、遗漏或中断负责。此外,MSCI的任何一方均不就任何明示或暗示的担保提供保证,MSCI各方在此明确否认就每个MSCI指数及其包含的任何数据的适销性和特定用途的适用性提供任何担保。在不限制前述条款的前提下,任何MSCI方在任何情况下均不对任何直接、间接、特殊、惩罚性、继发或任何其他损害 (包括利润损失) 承担任何责任,即使其已被告知可能发生此类损害。任何基金的购买者、卖方、持有人,或任何其他个人或实体,在未事先联系MSCI确定是否需要MSCI许可的情况下,不应使用或引用任何MSCI商标、商业名称或服务商标来赞助、认可、推广或促销该基金。如未事先获得MSCI的书面许可,任何人或实体机构在任何情况下均不得声称其与MSCI之间存在任何附属关系。

Disclosure for TD Nasdaq® Index Fund:

The Fund is not sponsored, endorsed, sold or promoted by The NASDAQ OMX Group, Inc., or its affiliates (NASDAQ OMX, with its affiliates, are referred to as the “Corporations”). The Corporations have not passed on the legality or suitability of, or the accuracy or adequacy of descriptions and disclosures relating to, the Fund. The Corporations make no representation or warranty, express or implied to the unitholders of the Fund or any member of the public regarding the advisability of investing in securities generally or in the Fund particularly, or the ability of the NASDAQ-100 Index® to track general stock market performance. The Corporations’ only relationship to TDAM is in the licensing of the NASDAQ®, OMX®, Nasdaq-100®, and NASDAQ-100 Index® registered trademarks, and certain trade names of the Corporations and the use of the NASDAQ-100 Index® which is determined, composed and calculated by NASDAQ OMX without regard to TDAM or the Fund. NASDAQ OMX has no obligation to take the needs of TDAM or the unitholders of the Fund into consideration in determining, composing or calculating the NASDAQ-100 Index®.对于基金单位发行时间、价格和数量的确定,以及将基金单位转换成现金所采用的方程式的确定和计算,公司概不负责,也未参与其中。公司对于基金的管理、营销或发行不承担任何相关的责任。

THE CORPORATIONS DO NOT GUARANTEE THE ACCURACY AND/OR UNINTERRUPTED CALCULATION OF THE NASDAQ-100 INDEX® OR ANY DATA INCLUDED THEREIN, THE CORPORATIONS MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY TDAM, UNITHOLDERS OF THE FUND, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE NASDAQ-100 INDEX® OR ANY DATA INCLUDED THEREIN, THE CORPORATIONS MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE NASDAQ-100 INDEX® OR ANY DATA INCLUDED THEREIN.在不限制前述条款的前提下,公司在任何情况下均不对任何利润损失或者特殊、附带、惩罚性、间接或继发损害承担任何责任,即使其已被告知可能发生此类损害。

Disclosure for TD U.S. Index Fund and TD U.S. Index Currency Neutral Fund:

The S&P 500 Index (the “Index”) is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by The Toronto Dominion Bank. S&P® is a registered trademark of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and TSX® is a registered trademark of TSX Inc. (“TSX”). These trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by The Toronto-Dominion Bank. TD U.S. Index Currency Neutral Fund and the TD U.S. Index Fund are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, TSX, any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices makes no representation or warranty, express or implied, to the owners of the TD U.S. Index Currency Neutral Fund or the TD U.S. Index Fund or any member of the public regarding the advisability of investing in securities generally or in the TD U.S. Index Currency Neutral Fund or the TD U.S. Index Fund particularly or the ability of the S&P 500 Index to track general market performance. S&P Dow Jones Indices’ only relationship to The Toronto-Dominion Bank with respect to the S&P 500 Index is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The S&P 500 Index is determined, composed and calculated by S&P Dow Jones Indices without regard to The Toronto-Dominion Bank or the TD U.S. Index Currency Neutral Fund or the TD U.S. Index Fund. S&P Dow Jones Indices have no obligation to take the needs of The Toronto-Dominion Bank or the owners of TD U.S. Index Currency Neutral Fund or the TD U.S. Index Fund into consideration in determining, composing or calculating the S&P 500 Index. S&P Dow Jones Indices are not responsible for and have not participated in the determination of the prices, and amount of the TD U.S. Index Currency Neutral Fund or the TD U.S. Index Fund or the timing of the issuance or sale of the TD U.S. Currency Neutral Fund or the TD U.S. Index Fund or in the determination or calculation of the equation by which the TD U.S. Currency Neutral Fund or the TD U.S. Index Fund is to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices have no obligation or liability in connection with the administration, marketing or trading of the TD U.S. Currency Neutral Fund or the TD U.S. Index Fund. There is no assurance that investment products based on the S&P 500 Index will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment advisor.将某个证券纳入指数并不意味着标普道琼斯指数建议买入、卖出或持有该证券,同时也不被视为投资建议。

S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO.标普道琼斯指数不对其中的任何错误、遗漏或延迟而承担任何损害或责任。 S&P DOW JONES INDICES MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY THE TORONTO-DOMINION BANK, OWNERS OF THE TD U.S. INDEX CURRENCY NEUTRAL FUND OR THE TD U.S.INDEX FUND, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND THE TORONTO-DOMINION BANK, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.

Disclosure for TD Canadian Index Fund:

The S&P/TSX Composite Total Return Index (the “Index”) is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by The Toronto-Dominion Bank. S&P® is a registered trademark of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and TSX® is a registered trademark of TSX Inc. (“TSX”). These trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by The Toronto-Dominion Bank. The TD Canadian Index Fund are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, TSX, any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices makes no representation or warranty, express or implied, to the owners of the TD Canadian Index Fund or any member of the public regarding the advisability of investing in securities generally or in the TD Canadian Index Fund particularly or the ability of the S&P/TSX Composite Total Return Index to track general market performance. S&P Dow Jones Indices’ only relationship to The Toronto-Dominion Bank with respect to the S&P/TSX Composite Total Return Index is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The S&P/TSX Composite Total Return Index is determined, composed and calculated by S&P Dow Jones Indices without regard to The Toronto-Dominion Bank or the TD Canadian Index Fund. S&P Dow Jones Indices have no obligation to take the needs of The Toronto-Dominion Bank or the owners of the TD Canadian Index Fund into consideration in determining, composing or calculating the S&P/TSX Composite Total Return Index. S&P Dow Jones Indices are not responsible for and have not participated in the determination of the prices, and amount of the TD Canadian Index Fund or the timing of the issuance or sale of the TD Canadian Index Fund or in the determination or calculation of the equation by which the TD Canadian Index Fund is to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices have no obligation or liability in connection with the administration, marketing or trading of the TD Canadian Index Fund. There is no assurance that investment products based on the S&P/TSX Composite Total Return Index will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment advisor.将某个证券纳入指数并不意味着标普道琼斯指数建议买入、卖出或持有该证券,同时也不被视为投资建议。

S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO.标普道琼斯指数不对其中的任何错误、遗漏或延迟而承担任何损害或责任。 S&P DOW JONES INDICES MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY THE TORONTO-DOMINION BANK, OWNERS OF THE TD CANADIAN INDEX FUND, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND THE TORONTO-DOMINION BANK, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.

道明担保投资基金II信息披露:

TD Guaranteed Investment Funds II ("TD GIF II") policies are Individual Variable Insurance Contracts issued by ivariTM and are managed by TDAM. ivari is the issuer of the TD GIF II contract. 2009年3月11日起,TD GIF II已停止发售新保单;2009年4月15日起,所有现有保单停止接受追加存款。

有关TD GIF II关键特点的完整描述包含在TD GIF II年金保单和信息文件中。如果年金保单和信息文件与本文件存在任何不符之处,应以年金保单和信息文件为准。 Any amount that is allocated to a segregated fund is invested at the risk of the Contract Owner and may increase or decrease in value.在签署个人变额保险合同并购买TD GIF II时,投资者会将资金存入合同中,而并非购买道明互惠基金单位,因此并不拥有这些基金的单位持有者所享有的任何权利和特权。由于存在担保成本和相关福利,TD GIF II的表现略逊于作为标的的TD互惠基金。过往表现不预示未来表现,投资回报将会波动。道明互惠基金由道明银行全资拥有附属机构道明资产管理有限公司提供。TMivari和ivari徽标为ivari Canada ULC的商标。ivari经许可使用这些标志。

魁北克居民:

This information is not intended to be construed as an offer to sell or a solicitation to buy any securities or a solicitation to buy any securities or insurance products in Quebec.

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道明保险:

TD Insurance home & auto products underwritten by TD Home and Auto Insurance Company, TD General Insurance Company and Primmum Insurance Company and distributed by TD Insurance Direct Agency Inc. throughout Canada ;

TD Insurance Meloche Monnex program for members of professional and alumni groups underwritten by Security National Insurance Company and distributed by Meloche Monnex Financial Services Inc. in Ontario, by Meloche Monnex Insurance and Financial Services Inc. in Quebec and by TD Insurance Direct Agency Inc. in the rest of Canada

TD Insurance Meloche Monnex program for members of employer groups and other associations underwritten and Primmum Insurance Company and distributed by Meloche Monnex Insurance and Financial Services Inc. in Quebec and by TD Insurance Direct Agency Inc. in the rest of Canada

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道明保险房屋和汽车保险

TD Insurance home and auto products are underwritten by Primmum Insurance Company, TD Home and Auto Insurance Company and TD General Insurance Company and are distributed by TD Insurance Direct Agency Inc. throughout Canada. They are available in those jurisdictions where they may be legally offered.

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TD最优惠利率

"Prime Rate" means the annual interest rate established and reported by TD to the Bank of Canada from time to time as a reference rate of interest for determination of interest rates TD charges to customers of varying degrees of creditworthiness in Canada for Canadian dollar loans made by TD in Canada.

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(b) 信息披露

英国和欧洲信息披露

在欧洲经济区 (EEA) 中,通过网站进行要约或兜售的行为在某些司法管辖区未获得授权,而向某些个人进行此类要约或兜售属于非法行为。在这些司法管辖区内以及对于此类个人,本网站上信息的提供不应被理解为构成要约或兜售。道明银行集团的产品和服务仅在欧洲经济区法律许可的司法辖区提供。道明银行是加拿大的一家特许银行,其伦敦分行办公地点位于60 Threadneedle Street, London, EC2R 8AP, United Kingdom。本行受到金融机构监督办公室 (Office of the Superintendent of Financial Institutions) 的授权和监管,在英国获得了审慎监管局 (Prudential Regulation Authority) 的授权,并受到金融行为监管局 (Financial Conduct Authority) 监管和审慎监管局的有限监管。TD Bank Europe Limited获得了审慎监管局 (Prudential Regulation Authority) 的授权,并受到金融行为监管局 (Financial Conduct Authority) 和审慎监管局的监管。道明证券有限公司 (TD Securities Limited) 获得了金融行为监管局 (Financial Conduct Authority) 的授权,并受其监管。 Visit the Financial Services Register at http://www.fsa.gov.uk/register/firmSearchForm.do for further information about the regulatory status of The Toronto-Dominion Bank, TD Bank Europe Limited or TD Securities Limited in the United Kingdom.VAT注册号:397 1030 51。

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美国信息披露

此信息不应被理解为在美国或美国的领土或属地中对任何证券的出售要约或购买招揽。想要进行证券交易的美国人应联系距离其最近的TD Securities (USA) LLC办事处。

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I.  TD Bank USA PATRIOT Act Certification

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J.  TD Bank, America’s Most Convenient Bank

TD Bank, America's Most Convenient Bank是指道明银行集团旗下的成员公司TD Bank, N.A.。除了理财产品以外,本行及其属下部门还向客户提供综合财富管理服务以及保险产品和服务。

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K.  TD Insurance mobile Application Terms and Conditions

The following terms and conditions, and any amendments (the “Terms”) are a legal agreement between you (“you” or “your”) and TD Insurance (“TDI”, “we” or “us”) for your use of the TD Insurance Mobile Application (“Application”).

“TD Insurance” or "TDI" refers collectively to the following companies:

  • Security National Insurance Company
  • Primmum Insurance Company
  • 道明保险公司
  • 道明家居及汽车保险公司
  • TD人寿保险公司
  • And the following brokers and Agencies:

  • Meloche Monnex Financial Services Inc.
  • Meloche Monnex Insurance and Financial Services Inc.
  • TD Insurance Direct Agency Inc. and
  • TD Assurance Agency Inc.
  • All of these companies are subsidiaries of The Toronto Dominion Bank and members of TD Bank Group.

It is important that you read and understand these Terms. By clicking the “I agree” button or by using the Application, you are taken to have read and agreed to these Terms. If you do not agree with these Terms, you must not use the Application. These Terms will apply every time you use the Application.

INFORMATION ABOUT THE TDI MOBILE APPLICATION

  1. The Application is a tool that namely will enable you to use mobile devices (each a “Mobile Device”) to:
    • Obtain information on our insurance products and services;
    • Access insurance quoters;
    • Record the details of an accident and submit your claim;
    • Store a copy of your Auto Insurance certificate (Pink Card)
    We may suspend, cancel or block your access to or use of the Application at any time and for any reason, without notice or liability to you.

TDI AGREEMENTS

  1. The terms of the agreements that you entered into or may enter into with TD Insurance for a particular product or service, as such agreements are amended or replaced from time to time (the “TDI Agreements”) apply to your use of the Application. These Terms are in addition to and do not in any way amend or replace the TDI Agreements that apply to your particular product or service, unless we have specifically advised you in these Terms. Nothing in these Terms changes your responsibilities under the TDI Agreements. If there is a conflict between the terms of the TDI Agreements and these Terms, these Terms will apply but only to the extent of the conflict.

CARE AND CONTROL OF YOUR MOBILE DEVICE, TD INSURANCE MOBILE APPLICATION AND USER INFORMATION

  1. You are responsible for the care and control of your Mobile Device and if applicable, password, passcode and verification questions and answers (“User Information”). You must take reasonable steps to safeguard and protect your Mobile Device and User Information.
    您必须:
    • keep possession of the Mobile Device;
    • keep a lock screen or passcode lock (each a “Device Lock”) on your Mobile Device at all times;
    • keep your User Information separate from the Mobile Device;
    • 为您的用户信息严格保密,切勿与任何人分享;
    • take all reasonable precautions to ensure that no one finds out your User Information, including while you key in User Information on your Mobile Device;
    • 避免使用其他人可以轻易猜到的用户信息和设备锁定密码,比如生日、电话号码、年龄、社会保险号等;以及
    • ensure that each password or other identifier is unique.

DISPOSING OF YOUR MOBILE DEVICE

  1. Before you sell, give away, or dispose of your Mobile Device or SIM Card, you must ensure that all personal information stored in the Application is deleted.

RESPONSIBILITY FOR YOUR MOBILE DEVICE AND TO YOUR MOBILE DEVICE PROVIDER

  1. You are solely responsible for: (i) acquiring any hardware, device, wireless or Internet access required for you to use the Application; and (ii) any fees or other charges imposed by your Mobile Device provider, wireless services carrier or Internet service provider. It is your responsibility to determine if your Mobile Device provider, wireless services carrier or Internet service provider supports the Application or if your Mobile Device is capable of accessing the Internet.
  1. You acknowledge that these Terms are between you and TD Insurance and not with the app store provider (i.e. Research In Motion E-Commerce Inc. (Blackberry), Google Inc. or Apple Inc.). You agree that the app store provider: (a) is not liable to you in any way whatsoever for the distribution, use, performance or non-performance of the Application; (b) has no obligation whatsoever to furnish any maintenance and support services to you with respect to the Application; (c) is not responsible for addressing any claims you may have relating to the Application or your possession or use of the Application; (d) is not responsible for any third party claims that the Application or your possession or use of the Application infringes that third party’s intellectual property rights; and (e) is a third party beneficiary to these Terms solely in respect of this Section 6.

INSTALLING AND USING MODIFICATIONS TO THE APPLICATION

  1. If we upgrade, update or modify the Application (including bug fixes, patches and new versions provided to you, the “Modifications”), you may be required to promptly install and use the Modifications in order for you to be able to continue to access and use the Application. TD Insurance may provide you with prior notice of the Modifications. However, if the Modifications are for the proper functioning of the Application, or safety or security of the Application or any systems or networks, TD Insurance may not provide you with prior notice. TD insurance is under no obligation to make Modifications.

LICENSE GRAN

  1. You are granted a limited, revocable, non-transferable, non-exclusive license to use the Application on a Mobile Device that you own or control. TD Insurance can terminate this license at any time and with or without any reason. The Application is licensed, not sold, to you. You must not rent, lease, lend, sell, redistribute or sublicense the Application. You agree that TD Insurance retains all right, title and interest in and to the Application including copies and portions of it. You may not decompile, reverse engineer, disassemble, attempt to derive the source code of, modify, or create derivative works of, the Application or any part of it. You may not use the Application for any purpose that is illegal, fraudulent or infringes another person's rights. You agree to comply with any other requirements, restrictions or limitations provided by TD Insurance upon notice to you. You further agree to comply with any requirements, restrictions or limitations provided by a third party (including the app store provider, your Mobile Device provider or your wireless services carrier) relating to your use of the Application.

SUBMISSIONS

  1. If you want to submit ideas, suggestions or materials to TD Insurance regarding the Application (or any other particular product or service offered by TD Insurance (“Submissions”), through any means whatsoever, you grant to TD Insurance and its contractors and third party service providers an unrestricted, irrevocable, transferable, non-exclusive, perpetual, worldwide license to use, copy, sell, disclose or publish the Submissions for any purpose whatsoever (including developing and marketing products, services or content using the Submissions), and without any requirement for us to provide you with any credit, notice, approval or compensation for any such use. You waive your moral rights in the Submissions.

POSSIBLE EFFECTS OF INSTALLATION, REMOVAL OR USAGE OF THE APPLICATION AND DISCLAIMER OF DAMAGES AND WARRANTY

  1. BY USING THE APPLICATION ON YOUR MOBILE DEVICE, IT IS POSSIBLE THAT THE WARRANTIES COVERING YOUR MOBILE DEVICE ARE VOIDED, THAT YOUR MOBILE DEVICE MAY BE DAMAGED, THAT DATA STORED IN YOUR MOBILE DEVICE MAY BE CORRUPTED, AND THAT YOU OR YOUR PROPERTY MAY BE DAMAGED. YOU AGREE THAT YOUR USE OF OR INABILITY TO USE THE APPLICATION IS AT YOUR SOLE RISK. THE APPLICATION IS PROVIDED "AS IS" AND "AS AVAILABLE" FOR YOUR USE, WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR COLLATERAL, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABLE QUALITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT.

责任限制

  1. YOU AGREE THAT TO THE EXTENT NOT PROHIBITED BY LAW, IN NO EVENT WILL TD INSURANCE AND ITS OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, AGENTS AND SUBCONTRACTORS BE LIABLE FOR ANY DAMAGES (INCLUDING INCIDENTAL, SPECIAL, INDIRECT, CONSEQUENTIAL OR PUNITIVE DAMAGES, DAMAGES FOR LOSS OF PROFITS, REVENUE, OPPORTUNITY, LOSS OF DATA OR BUSINESS INTERRUPTION), ARISING OUT OF OR RELATED TO YOUR USE OR INABILITY TO USE THE APPLICATION, HOWEVER CAUSED.

如果您有问题或疑虑

  1. If you have a problem or concern you may call us toll free at 1-877-734-1288 . For a more detailed overview of our complaint process visit us at http://www.tdinsurance.com/customer-service/problem-resolution/problem-resolution.jsp.
  1. 如果您有关于可能违反消费者保护法、公开承诺或行业行为准则的投诉,您可以书面形式联系加拿大金融消费者管理局(FCAC),地址:6th Floor, Enterprise Building, 427 Laurier Ave. West, Ottawa, Ontario, K1R 1B9。 The FCAC can also be contacted by telephone at 1-866-461-3222 (en français 1-866-461-2232 ) or through its website at www.fcac-acfc.gc.ca.请注意,FCAC不参与补救或赔偿事宜。

英文条款

  1. 双方明确希望这些条款以及任何直接或间接相关的文件以英文起草。 Les parties ont exprimé la volonté expresse que les présentes modalités et tous les documents s'y rattachant directement ou indirectement soient rédigés en anglais.
CHANGES TO THESE TERMS
  1. We may add to or change the provisions of these Terms at any time. We will notify you of any additions or changes to these Terms by posting the notice on www.td.com/to-our-customers/index.jsp or we may choose to send you notice of those additions or changes by other means. Once we provide you with notice, the Terms are amended and you accept the changes as of the effective date of the notice. If you do not agree with these Terms, as amended, you must not use the Application. You may review the most current version of the Terms at any time at www.td.com/to-our-customers/index.jsp or by selecting the “Legal” link at the bottom of the screen.

PRIVACY NOTICE

  1. For the purposes of the Application, TD Insurance will collect information you provide to us including, IP address, geolocation (if enabled on your device), photos you selected in your mobile device photo gallery Photos (if enabled on your device) and other information arising from your use of the Application (collectively called “Mobile Data”).

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