By accessing and using this Web site you agree to the following Terms and Conditions, which may be modified by us from time to time without notice, by posting any changes within this document. Please ensure you read them and understand them. Every time you access this Web site you will be deemed to have read and accepted the Terms and Conditions. Your continued access or use of the services provided via this Web site will mean you accept these Terms and Conditions including any changes made to them. If you do not agree with these Terms and Conditions, please do not use this Web site.


Information or data contained in this Web site is intended for informational and educational purposes only and does not constitute specific advice regarding your personal investment situation or provide specific individual advice about investment, financial, legal, accounting, tax or similar matters. Please consult with your own financial advisor on your particular circumstances.

Information provided on this Web site is believed to be accurate and reliable when placed on the Web site, however we cannot guarantee that it is accurate or complete or current at all times and is subject to change. We assume no responsibility for any losses, of any kind, which arise out of the use of this Web site or the inability to use this Web site. Unless we specifically indicated otherwise, all information is unaudited and is provided on an “as is” basis. We make no representation that the Web site will be uninterrupted or error free, that defects will be corrected, that the site or server that makes it available are free of viruses or other harmful components.


Products and services advertised on this Web site are:

Subject to the terms of the applicable legislation governing them; and

Not all products, services and information are available in all jurisdictions outside Canada. The information contained in this Web site does not constitute an offer or solicitation by anyone to buy or sell any investment fund or other product, service or information to anyone in any jurisdiction in which an offer or solicitation is not authorized or cannot be legally made or to any person to whom it is unlawful to make an offer of solicitation. Prospective investors who are not resident in Canada should consult with their financial advisor to determine if these securities may lawfully be sold in their jurisdiction.


References in this Web site to third parties’ products or services are not endorsements or approval of such products or services, and are meant for convenience only. Links to other Web sites are not endorsements or approvals of such sites, the third parties named therein, or their products and services, nor is any liability assumed for incompatibility, non-suitability, viral infection, worms, trojan horses or other destructive/disruptive components on or from such sites. Linking to another site is at your sole risk and UIAF is not responsible or liable for any damages in connection with linking.


Portions of the Web site are protected and can only be accessed via a User ID and password. You are solely responsible for maintaining the security of your User ID and password and for ensuring that others do not use them without your permission. You will be responsible for any wrongdoing or liability that results from the use of your User ID and password. UIAF and its affiliates will not be responsible for any unauthorized access to the Web site via your User ID and password. We are under no obligation to confirm the actual identity or authority of anyone using your User ID and password. Please contact us immediately upon learning that your User ID and password may have been stolen or wrongfully utilized.


The contents of the Web site are protected by applicable copyright laws and no permission is granted to copy, distribute, modify, post, or frame any text, graphics, video audio, software code or user interface design or logos. Unauthorized use or exploitation of the content, the marks and names is strictly prohibited.