WEBSITE TERMS AND CONDITIONS

1. Use of this Website.

   This website is owned and operated by the GROUPE STOCKTIPR inc. for your personal non-commercial use and information. Your use of this website is subject to the following terms and all applicable laws. By accessing and browsing this website, you accept, without limitation or qualification, these terms. If you do not agree with any of the terms, please do not use this website. Material on this website may not be copied, reproduced, republished, uploaded, posted, transmitted, posted, distributed or modified in whole or in part, whether in text, graphical, audio, video or executable form, except with written permission of GROUPE STOCKTIPR inc.. You are responsible to ensure that your access to this website and material available on or through it are legal in each jurisdiction in or through which you access or view the site or such material.

2. Description of service.

   GROUPE STOCKTIPR inc. currently provides users with access to a rich collection of resources, including Stock tips, financial information, company personalized information and through its website which may be accessed through various mediums or devices now known or hereafter developed (the "Service"). You understand and agree that the Service may include advertisements and that these advertisements are necessary for GROUPE STOCKTIPR inc. to provide the Service. You understand and agree that the Service may include certain communications from GROUPE STOCKTIPR inc., such as service announcements and administrative messages that are considered part of the GROUPE STOCKTIPR inc. Membership, and that you cannot opt out of receiving them. Unless explicitly stated otherwise, any new features that augment or enhance the current Service, including the release of new GROUPE STOCKTIPR inc. properties, are subject to the TOS. You understand and agree that the Service is provided "AS-IS" and that GROUPE STOCKTIPR inc. assumes no responsibility for the timeliness, deletion, mis-delivery or failure to store any user communications or personalization settings.

3. Registration obligations.

   In consideration of your use of the Service, you represent that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws of the province of Quebec and Canada or other applicable jurisdictions. You also agree to: (a) provide true, accurate, current and complete information about yourself as prompted by the Service's registration form (such information being the "Registration Data") and (b) maintain and promptly update the Registration Data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or GROUPE STOCKTIPR inc. has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, GROUPE STOCKTIPR inc. has the right to suspend or terminate your account and refuse any and all current or future use of the Service (or any portion thereof). During registration for a GROUPE STOCKTIPR inc. I.D., you will select a password and GROUPE STOCKTIPR inc. I.D. Upon successful registration for the Service, you will receive an account designation. You understand and agree that you are solely responsible for maintaining the confidentiality of your account including your password, and are fully responsible for all activities that occur under your account, including your password. You agree to (a) immediately notify GROUPE STOCKTIPR inc. of any unauthorized use of your password or account or any other breach of security, and (b) exit from your account at the end of each session. GROUPE STOCKTIPR inc. will not be liable for any loss or damage arising from your failure to comply with the present section.

4. Elligibily for membership.

   Use of and membership in any of the GROUPE STOCKTIPR inc. Network of Sites, including without limitation any Site content, Applications and/or Services, is void where prohibited. Access to and use of any of the GROUPE STOCKTIPR inc. Network of Sites, including without limitation any Site Content, Applications and/or Services, are intended solely for persons who can form legally binding contracts under applicable law and who have lawful Internet access. Without limiting the foregoing, the GROUPE STOCKTIPR inc. Network of Sites, including without limitation any Site Content, Applications and/or Services, are not intended for individuals under the age of 18, or age of majority in your jurisdiction of residence, whichever is less; if you do not qualify, please do not use any of them.

5. Exclusion of Warranties.

   GROUPE STOCKTIPR inc. makes no representation or warranty regarding the functionality or condition of this website, its suitability for use, or that its use will be uninterrupted or error-free. ALL MATERIAL OR INFORMATION ON THIS WEBSITE IS PROVIDED TO YOU “AS IS� WITHOUT WARRANTIES OF ANY KIND. GROUPE STOCKTIPR inc. AND ITS LICENSORS DISCLAIM ALL WARRANTIES OR CONDITIONS, WRITTEN OR ORAL, STATUTORY, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OR CONDITIONS OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. The information and materials on this website are not intended to provide specific technical, financial, tax, legal, business, accounting or other advice for your individual circumstances, and you should consult your own professional advisors to determine how any information or materials provided on this website apply to your individual circumstances. These exclusions are in addition to any specific exclusions otherwise provided in these terms and conditions. To the extent that the jurisdiction to which you are subject does not allow exclusion of certain warranties, such exclusions which are not permitted do not apply.

6. Limitation of Liability.

   NEITHER GROUPE STOCKTIPR inc. NOR ITS LICENSORS WILL BE LIABLE FOR ANY DAMAGES, EITHER DIRECT OR INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL, FOR USE OF OR INABILITY TO USE MATERIAL, PRODUCTS OR SERVICES OF ANY KIND, DELAY OF OR PARTIAL DELIVERY, TERMINATION OF RIGHTS OR LOSS OF PROFITS, DATA, BUSINESS OR GOODWILL, WHETHER ON A CONTRACTUAL OR EXTRACONTRACTUAL BASIS, OR TO PROVIDE INDEMNIFICATION OR ANY OTHER REMEDY TO YOU OR ANY THIRD PARTY. This limitation of liability will not apply to claims relating to death or personal injury. Your sole and exclusive remedy is to discontinue using and accessing this website. To the extent that the jurisdiction to which you are subject does not allow any part of such limitation, such part does not apply.

7. Ownership and Confidentiality.

   Material on this website, including but not limited to text, images, illustrations, software, audio clips and video clips, is owned or otherwise provided by GROUPE STOCKTIPR inc., and GROUPE STOCKTIPR inc. does not represent or warrant that such material does not infringe the rights of any other person or entity. You acknowledge that information or material which you provide electronically through your access to or usage of this website is not confidential or proprietary, except as may be required under applicable law, and acknowledge that unprotected e-mail communication over the Internet is subject to possible interception, alteration or loss. [You also warrant that any information or materials which you provide to GROUPE STOCKTIPR inc. electronically through your access to or usage of this website does not infringe the rights of any person or entity, and acknowledge that such information and materials may be used in whole or in part in any manner by GROUPE STOCKTIPR inc. including, but not limited to, reproduction, retransmission, publication of such information or material or ideas, concepts or other know-how contained therein for the commercial purposes of GROUPE STOCKTIPR inc. or disclosure of your identity] Trademarks, logos and service marks (collectively, “Marks�) displayed on this website are registered or unregistered Marks of GROUPE STOCKTIPR inc. or others, are the property of their respective owners, and may not be used without written permission of the owner of such Marks. Any information or material contained on this website which may be reproduced pursuant to these terms must bear the proprietary rights notices which originally appear on or in conjunction with such information or material.

8. Monitoring.

   GROUPE STOCKTIPR inc. may monitor access to, discussions and postings on and other activities relating to the site, and intervene in relation thereto but does not make any representation or warranty that it will do so. You consent to any such monitoring and intervention in the event GROUPE STOCKTIPR inc. elects to do so.

9. Links.

   Links and references to other websites are provided to you as a convenience only. GROUPE STOCKTIPR inc. has not reviewed and does not expressly or impliedly endorse other websites or any information or material, or the accessibility thereof, via such links, and does not assume any responsibility for any such other websites, information or material posted thereon, or products or services offered thereon.

10. Site content

    GROUPE STOCKTIPR inc. is a distributor (and not a publisher or editor) of Site Content posted by our users. GROUPE STOCKTIPR inc. does not control any such Site Content and does not endeavour nor is it obligated to review any of the GROUPE STOCKTIPR inc. Network of Sites, including without limitation any Site Content, Applications and/or Services. As such, GROUPE STOCKTIPR inc. has no more editorial control over such Site Content than does a public library, bookstore, or newsstand. Any opinions, advice, statements, services, offers, information or other Site Content expressed or made available by any third parties, including without limitation Users and/or Information Providers, are those of the respective author(s) or distributor(s) and not of GROUPE STOCKTIPR inc..



PLEASE NOTE: SITE CONTENT IS INTENDED AS GENERAL INFORMATION AND NOT INFORMATION THAT YOU SHOULD RELY ON FOR INVESTMENT OR TRADING PURPOSES. GROUPE STOCKTIPR inc. AND/OR ITS OFFICERS, DIRECTORS, EMPLOYEES, CONSULTANTS, CONTRACTORS, AGENTS AND THE LIKE (REPRESENTATIVES) DO NOT GIVE ANY TAX OR ANY INVESTMENT ADVICE NOR ADVOCATE THE PURCHASE OR SALE OF ANY SECURITY OR INVESTMENT. ANY REFERENCE TO PRODUCTS, SERVICES, AND THE LIKE ON OR THROUGH ANY OF THE GROUPE STOCKTIPR inc. NETWORK OF SITES, INCLUDING WITHOUT LIMITATION ANY SITE CONTENT, APPLICATIONS AND/OR SERVICES, DOES NOT CONSTITUE NOR IMPLY ANY RECOMMENDATION OR ENDORSEMENT THEREOF OR ANY AFFILIATION WITH GROUPE STOCKTIPR inc. AND/OR ITS REPRESENTATIVES

NONE OF THE SITE CONTENT CONSTITUTES AN:
OFFER TO SELL OR THE SOLICITATION OF AN OFFER TO BUY BY GROUPE STOCKTIPR inc. AND/OR ITS REPRESENTATIVES ANY SECURITY OR OTHER INVESTMENT; OFFER BY GROUPE STOCKTIPR inc. AND/OR ITS REPRESENTATIVES TO PROVIDE INVESTMENT SERVICES OF ANY KIND; AND/OR INVITATION, INDUCEMENT OR ENCOURAGEMENT BY GROUPE STOCKTIPR inc. AND/OR ITS REPRESENTATIVES TO ANY PERSON TO MAKE ANY KIND OF INVESTMENT DECISION.

SECURITIES OR OTHER INVESTMENTS REFERRED TO IN ANY SITE CONTENT MAY NOT BE SUITABLE FOR YOU AND YOU SHOULD NOT MAKE ANY KIND OF INVESTMENT DECISION IN RELATION TO THEM WITHOUT FIRST OBTAINING INDEPENDENT INVESTMENT ADVICE FROM A PERSON AUTHORISED TO GIVE IT. FROM TIME TO TIME, GROUPE STOCKTIPR inc. AND ITS REPRESENTATIVES, INCLUDING WITHOUT LIMITATION PERSONS INVOLVED IN THE PREPARATION OF CERTAIN GROUPE STOCKTIPR inc. SITE CONTENT, MAY HAVE LONG OR SHORT POSITIONS IN, AND BUY AND SELL THE SECURITIES OR DERIVATIVES (INCLUDING OPTIONS) OF COMPANIES MENTIONED IN SITE CONTENT.

11. Accuracy of Information.

    While GROUPE STOCKTIPR inc. may update the information or materials on this website from time to time, no assurance is given that information or material on this website is up-to-date, accurate, error-free or complete.

12. Viruses, etc.

    GROUPE STOCKTIPR inc. does not represent or warrant that the information or materials, including without limitation any downloadable software, accessed from or through this website will be uninterrupted or free of errors, defects, viruses or other harmful components, or that any such problems which are discovered will be corrected.

13. Member conduct.

    You understand that all materials, including without limitation, information, data, text, software, sound, photographs, graphics, video, and email messages or other kinds of messages ("Content"), whether publicly posted or privately transmitted, are the sole responsibility of the person from which such Content originated. This means that you, and not GROUPE STOCKTIPR inc., are entirely responsible for all Content that you upload, post, email, transmit, or otherwise make available via the Service. GROUPE STOCKTIPR inc. does not control the Content posted via the Service and, as such, does not guarantee the accuracy, integrity or quality of such Content. You understand that by using the Service, you may be exposed to Content that is offensive, indecent or objectionable. Under no circumstances will GROUPE STOCKTIPR inc. be liable in any way for any Content, including, but not limited to, for any errors or omissions in any Content, or for any loss or damage of any kind incurred as a result of the use of or reliance upon any Content posted, emailed, transmitted, or otherwise made available via the Service. You agree that you will not use the Service to:
    1. upload, post, email, transmit, or otherwise make available any Content that is harmful, threatening, abusive, harassing, torturous, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, racially, ethnically or otherwise objectionable or generally unlawful;
    2. harm minors in any way;
    3. impersonate any person or entity, including, but not limited to, a GROUPE STOCKTIPR inc. official, forum leader, guide or host, or falsely state or otherwise misrepresent your affiliation with a person or entity
    4. forge headers or otherwise manipulate identifiers in order to disguise the origin of any Content transmitted through the Service;
    5. upload, post, email, transmit or otherwise make available any Content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
    6. upload, post, email, transmit or otherwise make available any Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights ("Rights") of any party;
    7. upload, post, email, transmit or otherwise make available any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of illegal solicitation. You may, however, make legally compliant solicitations in those areas (such as shopping rooms) that are designated for such purpose;
    8. upload, post, email, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
    9. disrupt the normal flow of dialogue, cause a screen to "scroll" faster than other users of the Service are able to type, or otherwise act in a manner that negatively affects other users' ability to engage in real time exchanges;
    10. interfere with or disrupt the Service or servers or networks connected to the Service, or disobey any requirements, procedures, policies or regulations of networks connected to the Service;
    11. intentionally or unintentionally violate any applicable local, provincial, national or international law, including, but not limited to, regulations promulgated by the Autorité des marchés financiers du Québec, any rules of any national or other securities exchange, including, without limitation, the Toronto Stock Exchange, the Montreal Stock Exchange, the New York Stock Exchange, the American Stock Exchange or the NASDAQ, and any regulations having the force of law;
    12. collect or provide funds, directly or indirectly, in order to carry out terrorist crimes, contribute to or facilitate the activities of a terrorist group, or instruct anyone to carry out a terrorist activity, including doing any of the foregoing in relation to a listed entity under s.83.05 of Part II.1 of the Criminal Code. "stalk" or otherwise harass another; or collect or store personal data about other users without their express consent or in connection with the prohibited conduct and activities set forth in paragraphs (a) through (m) above.
    
    You acknowledge that GROUPE STOCKTIPR inc. does not pre-screen Content, but that GROUPE STOCKTIPR inc. and its designees have the right (but not the obligation) in their sole discretion to refuse or move any Content that is available via the Service. Without limiting the foregoing, GROUPE STOCKTIPR inc. and its designees shall have the right to remove any Content that violates the TOS or is otherwise objectionable. You agree that you must evaluate, and bear all risks associated with, the use of any Content, including any reliance on the accuracy, completeness, or usefulness of such Content. In this regard, you acknowledge that you may not rely on any Content created by GROUPE STOCKTIPR inc. or submitted to GROUPE STOCKTIPR inc. that is available on any part of the Service, including without limitation information in GROUPE STOCKTIPR inc. Message Boards.

14. Copyrights.

    GROUPE STOCKTIPR inc. respects the intellectual property of others. It is GROUPE STOCKTIPR inc. policy to respond expeditiously to claims of copyright and other intellectual property infringement. GROUPE STOCKTIPR inc. will promptly process and investigate notices of alleged infringement and will take appropriate actions under any intellectual property laws. Upon receipt of notices complying or substantially complying with applicable laws, GROUPE STOCKTIPR inc. may act expeditiously to remove or disable access to any material claimed to be infringing or claimed to be the subject of infringing activity and may act expeditiously to remove or disable access to any reference or link to material or activity that is claimed to be infringing. STOCKTIPR GROU will terminate access for subscribers and account holders who are infringers.

15. Reserve of Rights.

    All rights not expressly granted in these terms are reserved to GROUPE STOCKTIPR inc.. Nothing contained in these terms shall be construed as conferring by implication, estoppel or otherwise any license or right under any copyright, patent, trademark or other intellectual right of GROUPE STOCKTIPR inc. or any other person or entity.

16. Governing Law.

    This site is controlled and operated by GROUPE STOCKTIPR inc. from Montreal, Quebec, and these terms shall be governed by the laws of the province of Quebec and the applicable laws of Canada without reference to principles of conflict of laws. You agree to be bound by such laws and to submit to the jurisdiction of the courts of the province of Quebec in connection with the interpretation or application of these terms.

17. Changes to Terms.

    GROUPE STOCKTIPR inc. may modify, alter or otherwise update the terms applicable to this website from time to time without notice, and you agree to be bound by such terms as are in effect at the time at which you access the GROUPE STOCKTIPR inc. website.

18. Jurisdiction.

    This website is controlled and operated by GROUPE STOCKTIPR inc. from Montreal, Quebec. GROUPE STOCKTIPR inc. makes no representation that materials on the website are appropriate or available for use in other locations. Those who choose to access this website from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.

19. Language / Langue.

    The parties hereto have agreed that this Agreement and any of its accessories, including notice, be written in the English language. Les parties aux présentes ont exigé que ce contrat et ses accessoires, y compris tout avis, soient rédigés en langue anglaise uniquement.

20. Survival.

    These terms and conditions apply while you are accessing the website and remain in effect thereafter. In the event that this website is no longer accessible to you, the provisions set out in section 5, 6, 7 ans 10 of these terms and conditions shall survive thereafter.