This website is for informational purposes only. This website does not provide investment advice or recommendations, nor is it an offer or solicitation of any kind to buy or sell any investment products. This website is designed for use by Institutional Investors only as defined below, and not for use by the retail market.
"Personal Data" is personal and/or confidential information that relates to you and your account or contract with Foresters Asset Management Inc.
"Communications" are any non-confidential and nonproprietary communications information, except for Personal Data, that you transmit to the Site by electronic mail or otherwise, including data, questions, comments and/or suggestions.
“Institutional Investor” is a sophisticated non-retail investor such as an investment company, an investment advisor or professional, a plan sponsor, or a foundation.”
"Personal Information" is any Communication where you knowingly enter your personal information such as your name, address, social security number, or telephone number.
"Non-Personal Information" is any Communication derived from your connection to the Site, such as your Internet browser, domain name and referrer link.
All Communications, except for Personal Data, will be treated as non-confidential and nonproprietary, will become the property of Foresters Asset Management Inc. and may be used for purposes described herein.
Foresters Asset Management Inc. Contact Information
Foresters Asset Management Inc.
20 Adelaide Street East, 15th Floor
Toronto, ON M5C 2T6
What Information is Collected and Use of Information
In general, you can visit the Site while remaining anonymous by not providing any Personal Information. In some cases, Non-Personal Information may be automatically collected, such as your Internet Browser, computer operating system, internet protocol address domain name of your Internet service provider and/or the Web site from which you linked to our Site.
Foresters Asset Management's Collection and Use of Personal Information
Personal Information about you (e.g., your name, address, telephone number, social security number, and/or email address) will not be collected unless you provide it to Foresters Asset Management Inc. Foresters Asset Management Inc. will explain to you how Foresters Asset Management Inc. intends to use Personal Information, either before or at the time when it collects that information. For example, Foresters Asset Management Inc. retains e-mail addresses of visitors who respond to the Site's e-mail forms, online forms, registration forms, and surveys and contest entries. Foresters Asset Management Inc. also retains information about the frequency of Site visits, length of time of the visit, and aggregate information on which Site page visitors access. Foresters Asset Management Inc. will collect only such Personal Information that it requires and use it only for the purposes explained to you, including those described in this Statement. Foresters Asset Management Inc. will obtain your consent if it intends to use Personal Information for any other purpose.
Foresters Asset Management Inc. sends all Internet visitors "Cookies". A Cookie is a small data file sent by the Site to your browser, which may then be stored on your hard drive. A Cookie enables the Site to recognize you if you have a Foresters Asset Management Inc. account or have utilized certain Site features. In addition, the Cookie may recall information so that you do not have to resubmit it, and also automatically updates Site information. You may be able to program your browser software to notify you of attempts to send cookies and/or you may decline or delete them.
Foresters Asset Management's use of Communications for requests
Foresters Asset Management Inc. will primarily use Communications to respond to your request(s). Foresters Asset Management Inc. may use Personal Information for editorial and feedback purposes, marketing and promotional purposes, reproduction, disclosure, transmission, publication, broadcast or posting, and for a statistical analysis of users' behavior. Furthermore, Foresters Asset Management Inc. retains the right to use ideas, concepts, know-how, or techniques contained in any Communications you send to the Site for any purpose whatsoever, including, but not limited to, developing and marketing products using such information. Non-Personal Information may be aggregated for internal review and used to improve the Site's content and its structure. Personal Information will be discarded, deleted, or converted into an anonymous form when it is no longer required by Foresters Asset Management Inc. for its business purposes.
Foresters Asset Management Inc. does not distribute Personal Data or Communications to unaffiliated third parties.
Foresters Asset Management Inc. will not voluntarily share, rent, sell or otherwise disclose information obtained from visitors to the Site (whether Personal Data or Communications) to unaffiliated third parties.
When you choose not to provide Personal Information.
When you choose not to provide a personally identifiable Communication, Foresters Asset Management Inc. may not be able to respond to your request. You may receive an error message displayed on your browser.
How to access, update & correct Personal Information.
Use the contact names and numbers listed above in the section entitled Foresters Asset Management Inc. Contact Information.
Foresters Asset Management Inc. Security Measures for Personal Information
Foresters Asset Management Inc. will take appropriate steps and security measures to protect all Personal Information you share with it. Whenever you provide the Site with Personal Data, Foresters Asset Management Inc. will take commercially reasonable steps to establish a secure connection with your Web browser. Remember that e-mail over the Internet is generally unencrypted and not secure or private.
THE SITE CONTAINS SECURED AND NON SECURED SECTIONS. INHERENT IN THE USE OF THE INTERNET AND INTERNET-RELATED TECHNOLOGIES IS SOME RISK OF DISCLOSURE OF INFORMATION, INCLUDING WITHOUT LIMITATION, PERSONAL DATA YOU SUPPLY. YOUR USE OF THE SITE AND YOUR ENTRY OF INFORMATION IS AT YOUR OWN RISK. FORESTERS ASSET MANAGEMENT INC. CANNOT ACCEPT RESPONSIBILITY AND EXPRESSLY DISCLAIMS ALL LIABILITY FOR DAMAGE OR INJURY THAT YOU MAY INCUR OR THAT MAY RESULT FROM YOUR USE OF THE SITE OR THE INTERCEPTION OF INFORMATION THAT YOU PROVIDE, INCLUDING WITHOUT LIMITATION, PERSONAL DATA, BY A THIRD PARTY.
Your access to Personal Information at Foresters Asset Management Inc.
You may request disclosure of Personal Information held by Foresters Asset Management Inc. about you if such Personal Information is not available from any of Foresters Asset Management Inc. financial advisers. In order to obtain such information you may be charged a nominal amount to cover the costs of conducting the search and providing copies. Foresters Asset Management Inc. will only disclose such Personal Information if it is not subject to legal privilege, does not refer to other persons, can be retrieved in a cost-effective manner, and is not otherwise legally restricted from being disclosed.
Foresters Asset Management Inc. will correct inaccurate Personal Information
Foresters Asset Management Inc. makes reasonable commercial efforts to ensure information (including Personal Information) is accurate. You can assist by providing up-to-date information and notifying Foresters Asset Management Inc. of any inaccuracies in information.
Limitation of Liability
THE SITE AND ITS CONTENT IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABLE QUALITY, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. FORESTERS ASSET MANAGEMENT INC. DOES NOT WARRANT THAT USE OF THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS, IF ANY, WILL BE CORRECTED, OR THAT EITHER THE SITE OR THE SERVER THAT MAKES IT AVAILABLE TO YOU IS OR WILL BE ERROR-FREE, ACCESSIBLE, UNINTERRUPTED, OR FREE OF VIRUSES, DISABLING DEVICES OR OTHER HARMFUL COMPONENTS. FORESTERS ASSET MANAGEMENT INC. DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS OR CONDITIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THE SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, TIMELINESS OR OTHERWISE. YOU (AND NOT FORESTERS ASSET MANAGEMENT INC.) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION RELATED TO ANY DAMAGE, HARM, INJURY OR MALFUNCTION ASSOCIATED WITH YOUR USE OF THE SITE AND/OR ITS CONTENTS. UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO CONTRACT, TORT, NEGLIGENCE BY ACT OR OMISSION, AND FUNDAMENTAL BREACH, SHALL FORESTERS ASSET MANAGEMENT INC. OR ANY PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE SITE, BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT OR PUNITIVE DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE THE MATERIALS ON THE SITE, EVEN IF FORESTERS ASSET MANAGEMENT INC. OR A REPRESENTATIVE AUTHORIZED BY IT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT, HOWEVER, SHALL FORESTERS ASSET MANAGEMENT INC.'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THE SITE, OR IF SUCH AMOUNT IS LESS THAN $100 THEN $100.
Links to Third Party Web Sites
Use of This Site
The Site is owned and operated by Foresters Asset Management Inc. No materials found on the Site or any other site owned, operated, or licensed by Foresters Asset Management Inc. may be copied, reproduced, republished, uploaded, posted, transmitted or distributed by you in any way. You may access and use material on the Site for noncommercial, personal use only, provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost or use the content of the Site for public or commercial purposes, including the text, images, audio, or video without Foresters Asset Management Inc.’s prior written permission. Foresters Asset Management Inc. makes no warranty or representation as to whether your use of materials displayed on the Site may infringe rights of third parties not owned by or affiliated with it.
The information contained on the Site is not an offer to sell or a solicitation to buy any security or any product. No security or other product is offered or will be sold in any jurisdiction in which such offer or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products may not be available in all provinces.
Trademarks, Service Marks and Copyrights
Unless otherwise specifically noted, images, trademarks, service marks, logos and icons displayed on the Site are the property of The Independent Order of Foresters and/or Foresters Asset Management Inc. and may not be used without Foresters Asset Management Inc. prior written consent. Any unauthorized use of the images may violate copyright laws, trademark laws, privacy and publicity laws and communications regulations and statutes.
All stock quotes appearing on the Site are not a current representation or a real time stock quote. Foresters Asset Management Inc. is not responsible for the accuracy of any pricing information. Please do not use such quotes for any formal analysis or estimation. Investment may increase or decrease in value according to fluctuations and changes in the market for that investment or other changes.
Professional Advice, Non-Recommendation, Calculator Data
Neither the online calculators nor, their use are intended to supply advice of any type, including, without limitation, investment or tax advice. Although the services and the Site may contain information, e.g., data regarding retirement investing, such information is intended to be educational in nature, and does not constitute an endorsement or recommendation of any security or investment program, service or the suitability thereof for you. The information provided in the online calculators and the Site is not intended to supply professional tax, accounting, financial, or legal advice. You should always seek a personal consultation with a professional provider of such services. Foresters Asset Management Inc. does not offer legal or tax advice.