The following Terms and Conditions FAQs provide information to users who create a Vanguard Account using an Email ID and password. Your Vanguard Account includes the locked content across the Vanguard website (“the Site”) plus tools available via log-in credentials under the Vanguard Institute tab on the Site. For a full description of applicable terms to your use of the Site, please review the website terms of use and privacy policy.
1. What is a Vanguard Account?
A Vanguard Account provides financial industry professionals access to locked content on our Site including, but not limited to: fund analysis, practice management resources, manager commentary, sales team information, marketing materials, educational resources, and tools. Your Vanguard Account can be accessed by signing up with an Email ID and password.
2. Terms and Conditions
Access to, and use of, your Vanguard Account constitutes your acceptance of, and compliance with, these Terms and Conditions. If you do not accept these Terms and Conditions, please do not sign up for a Vanguard Account. Vanguard may change these Terms and Conditions at any time without notice. You agree to review the Terms and Conditions regularly and your continued access or use of your Vanguard Account will mean that you agree to any changes.
1. No Improper Use
Access provided to content via your Vanguard Account may be used only for the limited purposes described in these Terms and Conditions. You will not make or attempt to make any other use thereof. You will not abuse in any way your Vanguard Account and you will not, nor attempt to, modify Vanguard content or disrupt or interfere with the availability or operation of this Site.
2. Not Acting for Third Party
Only financial services professionals who have successfully completed registration for a Vanguard Account are authorized to access the content provided. As a user, you agree to act on your own behalf only and not on behalf of any other persons. You acknowledge that employees of Vanguard may also have access to the content contained within the Vanguard Accounts when acting on behalf of Vanguard as part of their employment activities.
3. Accuracy of Data
The information, material, and content posted on this Site are believed to be reliable when posted. Although best efforts are made to ensure accuracy, there is no guarantee that the information, material, and content are accurate, complete, or current at all times.
1. Email IDs and Passwords
As a Vanguard Account holder, you are solely responsible for maintaining the security and confidentiality of your Email ID and Password. Vanguard is not responsible for the unauthorized use of Vanguard’s locked content by any other person with your Email ID or Password, and Vanguard is under no obligation to confirm the actual identity or authority of anyone using your Email ID or password. Accordingly, you agree not to disclose or provide your Email ID or Password to any other person, or to permit any other person to gain access to Vanguard’s locked content using your Email ID and Password .
2. Email ID and Password Selection and Confidentiality
Email IDs and Passwords are created by you during the registration process. In creating a suitable Password, you should ensure that the Password does not contain or refer to any word that may identify you (including name, address, telephone number, account number, advisor number, dealer number, birthday, etc.). Vanguard may not accept a password which it finds unacceptable or objectionable for any reason. You agree to notify Vanguard immediately if your Email ID or Password has been disclosed to or learned by another person, or if you become aware of any known or suspected use of or your Email ID or Password by another person to gain access to Vanguard’s locked content.
3. Time Outs
For security reasons, where you have logged into your Vanguard Account and there is no activity for a certain period, your session will be terminated automatically and you will be required to log in to your Vanguard Account again to re-gain access.
Commissions, management fees, and expenses all may be associated with investment funds. Investment objectives, risks, fees, expenses, and other important information are contained in the prospectus; please read it before investing. Investment funds are not guaranteed, their values change frequently, and past performance may not be repeated. Vanguard funds are managed by Vanguard Investments Canada Inc. and are available across Canada through registered dealers.
This material is for informational purposes only. This material is not intended to be relied upon as research, investment, or tax advice and is not an implied or express recommendation, offer or solicitation to buy or sell any security or to adopt any particular investment or portfolio strategy. Any views and opinions expressed do not take into account the particular investment objectives, needs, restrictions and circumstances of a specific investor and, thus, should not be used as the basis of any specific investment recommendation. Investors should consult a financial and/or tax advisor for financial and/or tax information applicable to their specific situation.
All investment funds, including those that seek to track an index are subject to risk, including the possible loss of principal. Diversification does not ensure a profit or protect against a loss in a declining market. While the Vanguard ETFs are designed to be as diversified as the original indices they seek to track and can provide greater diversification than an individual investor may achieve independently, any given ETF may not be a diversified investment.
All monetary figures are expressed in Canadian dollars unless otherwise noted.