These conditions for use govern the use of the Beneva inc. site along with its duly authorized representatives and partners’ websites ("Beneva") where applicable. Please read them carefully because, by accessing the sites, you acknowledge that you have read them and you are committing to respect them.

Beneva reserves the right to modify these conditions at any time and without notice. Unless otherwise indicated by the context, the expression "Beneva" indicates each and every one of the companies that offer products and services on these sites and that are all affiliated companies of Beneva Inc. along with its duly authorized representatives and partners.

Protection of personal information

Visit the « Personal information protection » section for more information.

Username, Password and Security

In order to access Client Centre online services, you must use the username allotted to you and a password chosen by you.

You are solely responsible for maintaining the confidential nature of your username and password.

It is your responsibility to immediately inform Beneva of any unauthorized use of your username and/or password at :
1 855 747-2233
8 a.m. to 9 p.m., Monday to Friday
9 a.m. to 6 p.m., Saturday and Sunday

Email us []

You acknowledge that Beneva is not responsible, in any way whatsoever, for losses or damages that may be the direct or indirect result of a transaction done pursuant to a request made by a person using your username and/or password.

To learn more about what security measures to take, we invite you to visit the security section.

Accuracy of the Information Appearing on the Site

Beneva pledges to take measures so that the information contained in these sites are as reliable as possible.

However, Beneva cannot guarantee that this information is always accurate and up-to-date. Without limiting the foregoing, Beneva disclaims all responsibility with respect to the accuracy of the information appearing on the sites. Use of the sites is conditional upon the user's acceptance of this risk.

Limitation of Responsibility

Beneva cannot be held responsible for any damages whatsoever resulting, directly or indirectly, from the use or operation of these sites and the information they contain.

Availability of the Site and Absence of a Guarantee

Beneva cannot guarantee that these sites will be available; that they will meet your requirements; that access to them will not be interrupted; that there will not be delays, failures, errors, omissions or losses of information transmitted; that no virus or other contaminating or destructive element will be transmitted; and that no damage will be caused to your computer system.

Links to Other Websites

Various links to other sites will be made available to you. Beneva does not endorse and is not responsible for the content of these other sites or their possible change; these are subject to their own conditions for use. Consequently, Beneva cannot, under any circumstances, be held responsible for any damage that may result, directly or indirectly, from the use, operation or content of the other sites.

Transaction and signature

To access the online services, you may be asked to use a username and password. In such case, you alone are responsible for keeping your username and password confidential. You are therefore responsible for immediately informing Beneva of any unauthorized use of your username and/or password. You acknowledge that Beneva is not liable in any way whatsoever for any loss or damage arising directly or indirectly from a transaction carried out in response to a request made by someone using your username and/or password.

By using the online services, you acknowledge that using your username and your password, if applicable, is equivalent to signing. You also acknowledge that checking a box and/or clicking OK, Send, Accept or any such message is equivalent to your legal acceptation.

Financial Information from Various Sources

The listings of index holdings and investment funds, exchange rates, interest rates, and all other financial information of the same nature published on these sites are provided for information purposes. This information comes from various sources and is updated frequently. Consequently, Beneva cannot, at any time, be held responsible for the consequences of the inaccuracy of this information or for the damages sustained as a result of the use of such information.

Copyright and Trademarks

All of the information appearing on these sites is protected by copyright laws. The redistribution, reproduction, copying, publication, backup on any storage media, modification or other use of the information contained in the sites without the prior approval of Beneva is strictly prohibited. Users of these sites may, for strictly personal purposes, use this information.

All of the product, service and company names appearing on these sites are trademarks of Beneva. Any use of these marks is strictly prohibited without written authorization from Beneva.

Use of cookies and other technologies

Beneva's websites use cookies, also known as text files, which are placed on your computer. Beneva also retains the services of specialized firms which use technologies allowing them to collect information regarding, amongst others, your browser, your device and your IP address. Use of cookies and other technologies enable firms, among other things, to determine user preferences, gauge the effectiveness of its advertising, track how visitors use its sites and compile usage statistics, which are used to optimize browsing on its sites. No personal information is stored by Beneva during this process.

You may disable the use of cookies by selecting the appropriate settings on your browser. However, please note that if you do this you may not be able to use the full functionality of the sites.

Online Participation Forms

For the purposes of online participation forms such as contests, surveys and else, Beneva may be doing business with one or more Web services provider(s) based outside of Canada. We wish to advise you therefore that the information and documents you may provide to Beneva in support of such forms may be stored outside of Canada. If so, they would be governed by the laws of foreign countries or states. Moreover, the terms of use and the privacy policies of the services providers with which Beneva may do business would then apply to the use of these forms. By completing such forms, you tacitly accept such a situation.

Rights Reserved

All rights that have not been expressly granted herein are reserved.