Your use of this website signifies that you have read and understood the terms and conditions set out below, and that you agree to be bound by them.
General Disclaimer
This website is designed to outline as simply as possible the main features of your pension plan and is provided to you for your personal, non-commercial use. It is for information purposes only, and is not intended to provide you with specific financial, legal, investment, pension, or tax advice.
PBI Actuarial Consultants Ltd. (“PBI”), the website provider, strives to ensure that all information contained on this website is accurate. However, your pension entitlement is always limited by what is allowed by the pension plan terms and associated legislation (“legislation”) such as the applicable federal or provincial pension standards act, the Income Tax Act (Canada) and any other related laws, so any inaccuracy in, or misunderstanding of pension information arising from the content on this website cannot increase the benefits otherwise available to you under the plans terms and/or the legislation. In the event of any conflict between the plan terms and/or the legislation and this website, the plan terms and/or the legislation will govern.
Seek Professional Advice about Pension Decisions
This website is for information purposes only and is not intended to provide specific individual financial, legal, investment, Plan, or tax advice. This website is designed to outline as simply as possible the main features of your pension plan. You should not rely on the content on this website alone in making any decisions or taking any action with respect to your pension. Seek advice from a qualified financial and/or legal advisor, as the case may be, before relying on any speculative pension calculation, or exercising any pension option.
Disclaimer of Warranties and Limitation of Liability
This website and any documents are provided by PBI on an “as is” and “as available” basis. PBI makes no representations or warranties of any kind, either express or implied, as to the operation of this website or any aspect of the information, content, materials, documents or products and services included on this website. You expressly agree that your use of this website and the content therein is at your sole risk.
To the full extent permissible by applicable law, PBI disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. PBI does not warrant that the website, its servers, or e-mail sent from PBI or its authorized agents are free from viruses or other harmful components. PBI does not warrant that access to this website will be continuous or will be available at any given time. PBI will not be liable for any damages of any kind arising from the use of this website or the documents, including but not limited to, direct, indirect, incidental, punitive, and consequential damages.
The laws of certain jurisdictions do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you in your jurisdiction, some or all of the above disclaimers, exclusions, or limitations might not apply to you, and you may have additional rights.
Permitted Use
As a user of this website, you may view, print, and use (collectively, use) documents or other materials (“Documents”) on this website as specified and you agree that you will observe and comply with any notice or restriction on or accompanying any particular Document(s) you wish to obtain from or through this website.
E-mail and Internet Communications
Communication by e-mail over the Internet and other publicly accessible networks is not secure. Any information that you send by e-mail may be lost, intercepted or altered while it is being transmitted.
If you choose to send information to PBI by e-mail or over the Internet, you do so at your own risk. PBI does not assume any liability for any damages you may experience, or costs you may incur, as a result of sending information by e-mail or, should you request it, as a result of PBI sending information to you by e-mail. This includes any such e-mail that may contain your personal or confidential information.
Restrictions and Prohibited Uses
You agree that you will not use this website for any improper, fraudulent, illegal or malicious purpose, including, without limitation, to impair use of this website by others.
You agree not to modify, adapt, translate, reverse engineer, decompile, disassemble or otherwise attempt to discover the source code of this website. You also agree not to develop any similar or competing business or website that uses any portion of, or look and feel of this website, or any of the Documents.
Privacy Policy
Even if no personal information is automatically collected from visitors to the website, PBI gathers and analyze certain information of a non-personal nature regarding site usage from all visitors to this website using Google Analytics. Such data is used in an aggregate form to assist PBI in determining general usage patterns and to improve the layout and functionality of the website.
Such website usage and statistical information may be disclosed to third parties at PBI’s discretion.
Hyperlinks
This website may contain links to third party websites. These links have been provided solely as a convenience for you and do not constitute an endorsement by PBI of the content of such third party sites.
Links to this website may also be provided from sites either known or unknown to PBI or your pension plan. Access to any other website linked to or from this website is at your own risk. PBI has not reviewed and is not responsible for the content of any third-party sites linked to or from this website, and does not make any representations or warranties regarding the content or accuracy of materials on such third-party websites.
Copyright and Trademarks
All Documents and information contained in this website contained on this website is protected under the copyright laws of Canada and other countries. You agree to ensure that any copyright notice along with any other notices and disclaimers appearing on these documents are reproduced and retained on all copies in the same form and manner as on the original. You are not permitted to use, display or promote the name, trade-mark(s), or logo(s) of PBI, your union(s), or your pension plan (apart from authorized reproduction of the documents), without the prior written consent of PBI, your union, or your pension plan. All content on this website is the copyrighted property of PBI and is protected by international copyright law. Information and documents on this website on this website may be used by you only for your personal, non-commercial use, but may not be republished, retransmitted, reproduced, taken out of context or presented in a misleading or discriminatory manner. Any rights not expressly granted to you are reserved by PBI.
Governing Law and Jurisdiction
By accessing and using this website, you agree that the laws of the Province of British Columbia, Canada, without regard to principles of conflict of laws, will govern this website and any dispute of any kind that might arise between you and PBI and/or your pension plan.