This site should not be considered an offer to sell or solicitation to buy securities, mutual funds, or any service sponsored by JV Financial Group ("JV") or Partners in Planning Financial Services Ltd. ("PIPFS").

The information contained on this Web site is only for persons resident in Alberta, British Columbia, Saskatchewan, and Ontario, Canada, the jurisdictions in which JV Financial Group of Partners in Planning Financial Services Ltd. is licensed by securities, licensing, and other regulatory authorities to conduct business.  No communication, article, information, or advice on this Web site constitutes or implies in any way a solicitation of business.

The members of the JV Financial Group that registered to sell Mutual Funds are licensed through Partners in Planning Financial Services Ltd., a registered Mutual Fund Dealer. 

Invest Wisely: Important information about mutual funds is contained in the Funds' simplified prospectus; please read the prospectus carefully before investing.  Commissions, trailing commissions, management fees, and expenses all may be associated with mutual fund investments.  Mutual fund securities are not covered by the Canadian Deposit Insurance Corporation or by any other government deposit insurer.  There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you.  Unit values and investment returns will fluctuate over time, and past performance may not be repeated.

The contents of the JV Web site are provided for informational and educational purposes and are not intended to provide investment, financial, tax, legal, or other professional advice and should not be relied on in that regard.  Before making any decision or taking any action that might affect your personal finances or business, you should consult a qualified professional advisor who understands your particular situation.

All information is provided 'as is' without any warranties of any kind and JV/PIPFS makes no representations and disclaims all express or implied warranties and conditions of any kind, including, without limitation, representations, warranties, or conditions regarding accuracy, timeliness, completeness, non-infringement, merchantability, or fitness for any particular purpose.

Errors and Corrections
JV endeavors to provide accurate information on and through the Web site, but errors may occur and information may become out of date.  We do not guarantee the accuracy, completeness, or timeliness of the information available on or through the Web site.  JV/PIPFS assumes no responsibility to you or any third party for the consequences of any errors or omissions.

We may in our discretion change the information available on or through the Web site at any time or from time to time and without notifying or being liable to you or any other person.  You may obtain complete and up-to-date information about the products, services, and other matters referenced on the Web site by contacting our offices.

Reproduction and Distribution
The contents of the JV Web site may be used and reproduced provided that they are not modified and that you maintain all copyright and other notices contained in the JV Web site.  The contents of the site may not be otherwise used, reproduced, broadcast, published, or re-disseminated without the prior written permission of JV. 

Internet E-mail
E-mail over the Internet is not a secure medium and privacy cannot be assured.  E-mail communication is not confidential, subject to possible interception or loss, and is also subject to possible alteration.  JV/PIPFS is not responsible for and will not be liable to you or anyone else for any harm or damages in connection with an e-mail, containing personal or confidential information sent by you to JV or an e-mail by JV to you at your request.

No Transactions or Instructions
The Web site may not be used for any transactions, to place, buy, or sell orders, or give instructions to JV or any other person regarding any matter.

Third Party Links
The JV Web site links users to sites not maintained by JV.  Links to other sites or references to products, services, or publications other than those of JV should not be construed as an endorsement or approval of such sites, products, services, or publications, 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 JV/PIPFS is not responsible or liable for any damages in connection with linking.

Disclaimer of Liability
JV/PIPFS is not responsible in any way for damages (direct, indirect, special, incidental, economic, or consequential, exemplary, or punitive) in respect of or in connection with the use or inability to use the Web site, the information, or any action or decision made by you or any one else in reliance on the Web site or the information, or any unauthorized use or reproduction of the Web site or the information.