Access to and Use of this Site

Copyright in the content of this site, including the screens displaying the pages and their arrangement, is owned by The Bank of Nova Scotia (“Scotiabank”) unless otherwise indicated. All rights reserved. Users of the pages on this site (the “Work”) shall only be entitled to copy the Work for their own personal use but may not republish nor reproduce any substantial part of the Work in any manner whatsoever, including electronically reproducing this Work or accessing the Work on to the Internet or any other local or international computer system, without the prior written permission of Scotiabank, and any such unauthorized use constitutes copyright infringement.

An acknowledgement of the source must be included whenever Scotiabank material is copied or published. If you require further information on a permitted use or license to reproduce or republish any material, address your inquiry to Small Business, 44 King Street West, Toronto, Ontario M5H 1H1. Any infringement of Scotiabank rights will result in appropriate legal action. Scotiabank disclaims any and all liability for any consequences which may result from any unauthorized reproduction or use of this Work whatsoever. Use of any software downloaded from this site is governed by the terms of any license agreement provided with that software.

This site is made available to you for your personal use only. You represent and warrant that you have reached the age of majority in your jurisdiction of residence. You must provide current, accurate identification, contact, and other information that may be required as part of the registration process and/or continued use of this site and its forums and you must promptly update such information as necessary to ensure that it is kept accurate, current and complete. You are responsible for maintaining the confidentiality of your username(s) and password(s), and are responsible for all activities that occur there under.

Scotiabank will not be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred as a result of, or in connection with, your failure to comply with these requirements. Scotiabank reserves the right to refuse access to this site to anyone at any time without notice for any reason.

In cases where you have authorized a minor to use this site, you recognize that you are fully responsible for: (i) the online conduct of such minor; (ii) controlling the minor's access to and use of this site; and (iii) the consequences of any misuse by the minor. You acknowledge that some of the areas of this site may contain content that is inappropriate for minors. You acknowledge that Scotiabank has no obligation to monitor the content accessible through this site.

You understand and agree that this site is provided on an AS IS and AS AVAILABLE basis. Scotiabank disclaims all responsibility and liability for the availability, timeliness, security or reliability of the site. Scotiabank also reserves the right to modify, suspend or discontinue this site with or without notice at any time and without any liability to you.

You will be solely responsible for the content of any material or information that you make available through the site and its forums. You will also be liable for any loss or damage resulting, directly or indirectly, from your making any material or information available through the site and its forums. You can be traced and Scotiabank may be subject to court orders seeking more information about individuals who have posted material on the site and its forums.

Information on this site is for information purposes only and does not constitute an offer to buy or sell products or services of Scotiabank or any of its subsidiaries and affiliates or units of mutual funds. Information in this site regarding services and products is applicable only in jurisdictions where such services and products may lawfully be offered for sale and is void where prohibited by law. If you access this site from outside of Canada, you are responsible for compliance with local, national and international laws. Not all products and services that Canadian residents may be interested in are available in all regions of Canada. Not all products and services that other country residents may be interested in are available in that country. Scotiabank's products and services and those of its subsidiaries and affiliates are available in accordance with local law and only if they may be lawfully offered for sale in any particular jurisdiction.

All Scotiabank products and services and those of its subsidiaries and affiliates are subject to the terms of applicable agreements, including any conditions, exclusions and limitations as established by the provider of service. Any rate bonuses are not to be used in combination with any other pricing bonuses being offered by Scotiabank and/or its subsidiaries and affiliates.

Facts, data, information and other contents contained in this site are provided by Scotiabank, its subsidiaries and affiliates and other sources are believed to be reliable when posted, with the exception of any facts, data, information or other content posted in any forums or by any users of this site. Scotiabank, its subsidiaries and affiliates cannot guarantee that they are accurate or complete or that they will be current at all times. The facts, data, information and other contents contained in this site are not intended to be: (a) a comprehensive or detailed statement concerning the matters addressed; (b) investment, tax, banking, accounting, legal, or other professional or expert advice; or (c) an offer to sell or buy or a recommendation to buy or sell any stock, bond or other financial instrument, and every user of this site is advised to seek professional advice before acting or omitting to act on any part of the site. Many factors affect the applicability of any statement or comment made in this site to any user's particular circumstances. Scotiabank and its subsidiaries and affiliates are not responsible in any manner for direct, indirect, special or consequential damages howsoever caused, arising out of the use of this site. Scotiabank and its subsidiaries and affiliates expressly disclaim any duty to update or correct any information on this site. Information in this site is subject to change without notice.

The information provided in the forums is provided without verification by Scotiabank. Prior to making any financial decisions, it is recommended that you directly obtain investment, tax, banking, accounting, legal, or other professional or expert advice relevant to your decision. Scotiabank, its subsidiaries and affiliates assume no liability for any inaccurate, delayed or incomplete information, nor for any actions taken in reliance thereon, and you release Scotiabank, its subsidiaries and affiliates from any actions, suits, causes of action, debts, demands and claims of any nature or kind whatsoever (including negligence or gross negligence) in any way arising out of any matter, cause, thing or circumstance in any way connected with or relating to the forums on this site.

Scotiabank is providing information from news services and any other "feed" services to you as a convenience. These news services are not related to, and are independent of, Scotiabank. Scotiabank, its subsidiaries and affiliates did not investigate or verify any such information, and the inclusion of any such information does not imply that Scotiabank or its subsidiaries or affiliates endorses it. Scotiabank, its subsidiaries and affiliates make no representation as to the accuracy of such information.

All software is provided AS IS without any representations or warranties. World wide web sites accessed by hypertext links ("hyperlinks") appearing in this site have been independently developed by parties other than Scotiabank, and Scotiabank has no control over information in any hyperlinked site. Scotiabank is providing hyperlinks to users of this site only as a convenience. Scotiabank is not responsible for the quality, content or reliability of any information in any hyperlinked site. The inclusion of any hyperlink in this site should not be construed as an endorsement by Scotiabank of the information in such hyperlinked site and does not imply that Scotiabank has investigated, verified or monitored the information in any such hyperlinked site. The listing of an organization in this site should not be construed as an endorsement of its services or products, and Scotiabank, its subsidiaries and affiliates will not be responsible for any losses suffered in visiting those sites.

Content Submissions

By uploading materials on the site or otherwise submitting any materials to us through any other content generating or submitting service on the site, you automatically grant (or warrant that the owner of such materials expressly grants) Scotiabank and its affiliates and licensors a world-wide, perpetual, royalty-free, irrevocable and non-exclusive right and license to use, copy, adapt, transmit, communicate, publicly display and perform, distribute and create compilations and derivative works from such submitted materials, for the limited purposes of publishing and promoting such materials in connection with the service through which the materials were submitted or generated, and for all promotions thereof. Such license will apply with respect to any form, media, or technology now known or later developed. In addition, you warrant all "moral rights" in such materials have been waived.

Trademark Legends

Scotiabank's Registered & Unregistered Trademarks:

The symbols ® and ™ designate Canadian registered trademark and unregistered trademark status respectively. The following are registered trademarks of The Bank of Nova Scotia in Canada: Scotiabank; Scotia; Flying “S” and design; Scotiabank, Flying &”S”; and design.

The following are trademarks of The Bank of Nova Scotia in Canada:;;; ScotiaCard.

The following are service marks of The Bank of Nova Scotia in the United States: Scotiabank; Flying “S”; design;;

The Bank of Nova Scotia has additional trademarks and service marks, registered and unregistered, in Canada and other countries, which may appear on this site.

Licensed and Authorized Use

The display of trademarks herein does not imply that a license of any kind has been granted.

The Financial Post and logo are official marks or trademarks of Postmedia Network Inc., Canwest Media Inc., National Post Inc., Canwest Global Communications Corp. and/or their affiliates or related companies (collectively, the "Canwest Marks").


This Notice may be amended from time to time. If we make any substantial changes, we will notify you by posting a notice on this site.