Non-Canadian Investors

This site should not be considered an offer to sell or a solicitation to buy securities of mutual funds to any person residing in the United States of America or in any other jurisdiction in which such an offer or solicitation is unlawful. Securities of the mutual funds managed by Flow Capital Corp. (“Flow Capital” or “Flow”) will not be sold to any person residing outside Canada unless such sales are permitted under the law of their jurisdiction. Investors should contact their financial advisors for further details.

Use of Website

This communication is published by Flow Capital. This website does not constitute a complete description of our investment services or performance and is in no way a solicitation or an offer to sell securities. Any commentaries and information contained in this communication are provided as a general source of information and should not be considered personal investment advice. In addition, no posted information or material on this website should be interpreted to state or imply that past results are an indication of future performance.

An eligible investor should always refer to the confidential offering memorandum, prospectus, or information statement, as the case may be, for a Flow product before deciding to purchase units of such product.

An eligible investor may obtain a copy of the aforementioned material from this website, their investment advisor, or by contacting customer service at 1-800-513-3868. Similarly, please contact customer service for any documents required under the Accessibility Standards for Customer Service (Ontario Regulation 429/07).

Information throughout this site, whether stock quotes, charts, articles, or any other statement or statements regarding market or other financial information, is obtained from sources which we believe to be reliable.

Facts and data provided by Flow Capital and other sources are believed to be reliable when posted. Flow cannot guarantee that they are accurate or complete or that they will be current at all times. Information on this website is not intended to provide legal, accounting, investment or tax advice, and should not be relied upon in that regard. If you need such advice, please contact legal, accounting, investment or tax advice professional. Flow Capital and its affiliates will not be responsible in any manner for direct, indirect, special or consequential damages howsoever caused, arising out of the use of this website. You may not modify, copy, reproduce, publish, upload, post, transmit, distribute, or commercially exploit in any way any site content, including code and software. You may download site content for your activities as a financial advisor provided you keep intact all copyright and other proprietary notices. Unauthorized downloading, re-transmission, storage in any medium, copying, redistribution, or republication for any purpose is strictly prohibited without the written permission of Flow.

Please be advised that trading instructions should not be communicated via e-mail, and if received will not be acted upon. Without the use of secure encryption, the Internet is not a secure medium and privacy cannot be ensured. Internet e-mail is vulnerable to interception and forging. Flow Capital cannot ensure the privacy and authenticity of any information, and will not accept any instructions sent over the Internet. Flow will not be responsible for any damages you may incur if you communicate confidential information to us over the Internet or if we communicate such information to you at your request.

Users of Flow Capital’s website pages shall only be entitled to copy material for their own personal use but may not republish nor reproduce any substantial part of the website in any manner whatsoever, including electronically reproducing the material by “uploading,” “downloading” or accessing the material on to the Internet or any other local or international computer system, without the prior written permission of Flow. An acknowledgment of the source must be included whenever Flow Capital material is copied or published. Any infringement of Flow’s rights may result in appropriate legal action. Flow Capital disclaims any and all liability for any consequences which may result from any unauthorized reproduction or use of this website whatsoever.

Use of Web Login IDs, User IDs and Passwords

If you are issued a Web Login ID, User ID or Password to enable you to access particular services, you are solely responsible for ensuring the safety and security of the access codes. You are not permitted to use the access codes for any purposes other than to receive the particular service offered by Flow Capital for which the access codes were issued. You are not authorized or permitted to share the access codes with any other party. In the event any access codes are lost, stolen or wrongfully accessed, you must immediately notify Flow.

Grant of License By You

By submitting any information or content to Flow Capital, or engaging in any other form of communication on the website or through services on the website (collectively, “Submissions”), you grant to us and our affiliates a royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide right and license (and all rights to sublicense) to: use, store, copy, sublicense, modify, adapt, edit, publish, translate, create derivative works from, transmit, distribute, publicly and privately perform and display any such communication (in whole or in part) and/or to incorporate it in other works in any form, format, media, or technology now known or later developed; provided, however, that with respect to personally identifiable information, this license shall not apply and Flow Capital shall comply with the terms set forth in the Privacy Policy.

The foregoing grants include the right to exploit any proprietary rights in such Submissions, including but not limited to rights under copyright, trademark, service mark or patent laws under any relevant jurisdiction and will survive any termination of your access to the website.

You also warrant that the holder of any rights, including moral rights in such content, has completely and effectively waived all such rights and validly and irrevocably granted to you the right to grant the license above. Subject to the foregoing, the owner of any Submissions retains any and all rights that may exist in such content.

Use of Intellectual Property Rights

Flow Capital either owns the intellectual property rights in the underlying HTML, text images, audio clips, video clips, software and other content that is made available to you on our website, or has obtained the permission of the owner of the intellectual property in such content to use the content on its website.

Flow Capital grants you a non-exclusive, personal, non-transferable, non-sublicensable, limited and revocable right to display on your computer, print, download and use the underlying HTML, text, images, audio clips, video clips, software and other content that is made available to you on our website for your personal, educational and non-commercial use only, provided that you do not modify any such content and you include with and display on each copy of such content the associated copyright notice and this intellectual property notice. No other use is permitted.

You may not publicly perform, publicly display, transmit, publish, participate in the sale or transfer of, modify, or create derivative works based on anything available through the website, in whole or in part. You are prohibited from storing electronically any significant portion of any part of the website. No reverse engineering, linking, framing, or modification of any part of this website is allowed without the written approval of Flow. Any modification or unauthorized use is a violation of Flow Capital’s intellectual property rights and other proprietary rights.

Forward-Looking Statements

This website may contain forward-looking statements which reflect our current expectations or forecasts of future events. Forward-looking statements include statements that are predictive in nature, depend upon or refer to future events or conditions, or include words such as “expects”, “anticipates”, “intends”, “plans”, “believes”, “estimates”, “preliminary”, “typical”, and other similar expressions. In addition, these statements may relate to future corporate actions, future financial performance of a fund or a security and their future investment strategies and prospects. Forward-looking statements are inherently subject to, among other things, risks, uncertainties and assumptions which could cause actual events, results, performance or prospects to differ materially from those expressed in, or implied by, these forward-looking statements. These risks, uncertainties and assumptions include, without limitation, general economic, political and market factors in North America and internationally, interest and foreign exchange rates, the volatility of global equity and capital markets, business competition, technological change, changes in government regulations, changes in tax laws, unexpected judicial or regulatory proceedings, catastrophic events and the ability of Flow Capital to attract or retain key employees. The foregoing list of important risks, uncertainties and assumptions is not exhaustive. Please consider these and other factors carefully and not place undue reliance on forward-looking statements.

The forward-looking information contained on this website is current only as of the date the statement was made. There should not be an expectation that such information will in all circumstances be updated, supplemented or revised whether as a result of new information, changing circumstances, future events or otherwise.

Third Parties

Sites accessed by hypertext appearing in this website have been independently developed by parties other than Flow Capital and it does not guarantee the accuracy of information contained in such sites. The listing of an organization in this site should not be construed as an endorsement of its products or services.

Complete confidentiality and security is not yet possible over the Internet. Flow Capital advises that the Internet is not a secure medium and privacy cannot be ensured. Flow and its affiliates will not be responsible for any damages you may suffer if you transmit confidential or sensitive information to us. Linking to any other site is at your own risk, and Flow Capital will not be responsible or liable for any damages in connection with linking.

Changes to Website

Unless otherwise agreed, Flow Capital may discontinue or modify this website at any time without prior notice to you, and you accept those modifications if you continue to use the website.

All content on the Flow Capital website is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.


This website will be governed by and construed in accordance with the laws of the Province of Ontario and the laws of Canada applicable therein, without giving effect to any principles of conflicts of laws. All disputes, controversies or claims arising out of or in connection with the website shall be submitted to and be subject to the jurisdiction of the courts of the Province of Ontario. You submit and attorn to the exclusive jurisdiction of the courts of the Province of Ontario to finally adjudicate or determine any suit, action or proceeding arising out of or in connection with the website.

Your Indemnity to Us

You agree to indemnify, defend, and hold harmless Flow Capital, its subsidiaries and affiliates and their officers, employees, directors, agents, and content providers from and against any and all claims, damages, costs, or other expenses (including reasonable attorneys’ fees) that arise directly or indirectly out of or from your activities in connection with the website or site content, including without limitation any breach of these terms (including without limitation any representation or warranty made by you in these terms)