CWB Financial Group

Legal disclaimer 

 

By accessing this site, you acknowledge the following:

  1. General site information: Canadian Western Bank (CWB) does not warrant or make any representations or claims as to the validity, correctness, currency, timeliness, completeness, or otherwise of the information provided at this site, nor shall it be liable or responsible for any claim or damage, direct or consequential, arising out of the interpretation, reliance upon or other use, authorized or unauthorized, of such information.
  2. Site content: The site content may not always be the most current source for company information. CWB disclaims liability for any failure to update this site or the information or any material document contained thereon. In addition, the information and materials available on this site are not intended to provide specific legal, accounting, financial or tax advice to any user.
  3. Links to non-CWB sites: Certain links on this site lead to sites maintained by independent parties over whom CWB has no control. CWB makes no representation to the accuracy or any other aspect of the information contained on such sites, and CWB disclaims any responsibility for the content of such sites.
  4. Monetary amounts: All monetary amounts mentioned in this site are in Canadian dollars unless otherwise noted.
  5. Copyright: No material from this site may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, except that you may download one copy of the materials on any single computer for your personal, non-commercial home use only, provided you keep intact all copyright and other proprietary notices. Modification of the materials or use of the materials for any other purpose is a violation of CWB's copyright and other proprietary rights.
  6. Documentation: The documents and information available on this site are provided as a convenience only. Where any documents on this site have been filed in accordance with applicable securities law, such documents are not the official versions of CWB's securities law disclosure documents.
  7. Internet transmission and viruses: Internet software transmission problems could produce inaccurate or incomplete copies of documents or other material from this site when downloaded and displayed on a user's computer. CWB takes reasonable precautions to ensure this site is free of computer viruses. It is recommended that the user install and use appropriate anti-virus or other protective software. CWB disclaims liability for any computer viruses or other destructive programs that may be inadvertently downloaded from this site.
  8. Content ownership: The material and information on this site are being made available only under the conditions set out herein. CWB reserves its rights to the intellectual property presented in and by this site, which includes, but is not limited to, its copyrights, trademarks and corporate logos.

CWB Financial Group companies

  • Apex® is a registered trademark of Canadian Western Bank.
  • CWBdirect® is a registered trademark of Canadian Western Bank.
  • CWB Core™ is a trademark of Canadian Western Bank.
  • CWB Onyx™ is a trademark of Canadian Western Bank.
  • CWB Wealth Management®  is a registered trademark of Canadian Western Bank.
  • Gold Leaf PLUS® is a registered trademark of Canadian Western Bank.
  • In-Touch Telephone Banking® is a registered trademark of Canadian Western Bank.
  • Peak Performance® is a registered trademark of Canadian Western Bank.
  • Summit Savings Account® is a registered trademark of Canadian Western Bank.
  • The Working Bank® is a registered trademark of Canadian Western Bank.
  • Ultimate Choice® is a registered trademark of Canadian Western Bank.
  • WestEarner® is a registered trademark of Canadian Western Bank.
  • High Rise® is a registered trademark of Canadian Western Bank.
  • HOMEWORKS® is a registered trademark of Canadian Western Bank.
  • Strata Solution® is a registered trademark of Canadian Western Bank.
  • The Greater Interest GIC® is a registered trademark of Canadian Western Bank.
  • Service You Can Trust® is a registered trademark of Canadian Western Bank, used under license by Canadian Western Trust.
  • A Reputation for Getting Things Done® is a registered trademark of Canadian Western Bank, used under license by Computershare Trust Company of Canada.
  • Sensible Lending® is a registered trademark of Canadian Western Bank, used under license by Optimum Mortgage.
  • Valiant Trust Company™ is a trademark of Canadian Western Bank Company, used under license by Computershare Trust Company of Canada.
  • CWB Equipment Financing™ is a trademark of Canadian Western Bank.

Third-party trademarks

  • MasterCard® is a registered trademark of MasterCard International Inc.
  • Cirrus® is a registered trademark of MasterCard International Inc.
  • Maestro® is a registered trademark of MasterCard International Inc.
  • MBNA® is a registered trademark of the Toronto Dominion Bank
  • INTERAC® is a registered trademark of Interac Inc.
  • Visa® is a registered trademark of Visa International Service Association.
  • Moneris®, Moneris Solutions®, and the Moneris design are all registered trademarks of Moneris Solutions Corporation.
  • American Express® is a registered trademark of American Express Inc.
  • Discover® is a registered trademark of Discover Financial Services.
  • Ceridian® is a registered trademark of Ceridian Canada Ltd
  • THE EXCHANGE Network® is a registered trademark of FICANEX Canada Inc.
  • iPhone®, iPod Touch®, and iPad® are trademarks of Apple Inc. registered in the United States and other countries.
  • App StoreSM is a service mark of Apple Inc.
  • Android™ is a trademark of Google Inc.
  • Google Play™ is a trademark of Google Inc.
  • BlackBerry® is a registered trademark of Blackberry Limited
  • Qtrade Investor is a division of Qtrade Securities Inc., Member of the Canadian Investor Protection Fund.
  • PH&N LifeTime Funds® is a registered trademark of PH&N Investment Services.
  • CFP® and Certified Financial Planner® are certification trademarks owned outside the U.S. by Financial Planning Standards Board Ltd. (FPSB). Financial Planning Standards Council is the marks licensing authority for the CFP marks in Canada, through agreement with FPSB.
  • Canadian Securities Course (CSC)®, Conduct & Practices Handbook Course (CPH)®, Professional Financial Planning Course (PFPC)® and Wealth Management Essentials (WME)® are registered trademarks of the Canadian Securities Institute.
     

The Foreign Account Tax Compliance Act (FATCA) was signed into U.S. law in March 2010. The intent of FATCA is to discourage tax evasion by U.S. taxpayers who hold financial assets with non-U.S. financial institutions.

On February 5, 2014 the Canadian government entered into an intergovernmental agreement with the U.S. that has the effect of making FATCA Canadian law. Accordingly, Canadian financial institutions such as Canadian Western Bank and its affiliates must comply with FATCA in order to comply with Canadian law.

Under FATCA, non-U.S financial institutions have to adopt processes to assist in identifying accounts held, directly or indirectly, by U.S. persons and provide periodic reporting on these accounts. Canadian financial institutions will have to provide information about these accounts to the Canada Revenue Agency. The Canada Revenue Agency may in turn share this information with the U.S Internal Revenue Service under the long-standing Canada-U.S. Tax Convention.

FATCA will be implemented in stages. Beginning July 1, 2014, Canadian Western Bank and its affiliates are required to adopt account opening procedures for certain accounts opened by individuals (non-entities) to identify account holders who may be U.S. persons, and begin a review of previously opened accounts to identify account holders who may be U.S. persons. Beginning January 1, 2015, FATCA will begin to apply to certain accounts opened by entities.

CWB Financial Group is committed to implementing FATCA while at the same time ensuring that our clients are impacted as little as possible.

Should you require more information, you may find the following links useful: