{"id":991548,"date":"2025-03-29T16:49:06","date_gmt":"2025-03-29T16:49:06","guid":{"rendered":"https:\/\/solutionsplanifiees.sandbox.8p-design.com\/termes-et-conditions\/"},"modified":"2026-04-17T14:19:53","modified_gmt":"2026-04-17T14:19:53","slug":"terms-and-conditions","status":"publish","type":"page","link":"https:\/\/solutionsplanifiees.ca\/en\/terms-and-conditions\/","title":{"rendered":"Terms and Conditions"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"991548\" class=\"elementor elementor-991548 elementor-2034\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bdb515c e-flex e-con-boxed e-con e-parent\" data-id=\"bdb515c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7b882be e-con-full e-flex e-con e-child\" data-id=\"7b882be\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-83d57be elementor-widget elementor-widget-menu-anchor\" data-id=\"83d57be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"disclosure-notice\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c54b448 e-con-full e-flex e-con e-child\" data-id=\"c54b448\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b7a0c63 elementor-widget elementor-widget-heading\" data-id=\"b7a0c63\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Disclosure notice<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a942191 elementor-widget elementor-widget-image\" data-id=\"a942191\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"456\" height=\"84\" src=\"https:\/\/solutionsplanifiees.ca\/wp-content\/uploads\/2026\/04\/investia-logo-fr.png\" class=\"attachment-medium_large size-medium_large wp-image-991549\" alt=\"Logo investia\" srcset=\"https:\/\/solutionsplanifiees.ca\/wp-content\/uploads\/2026\/04\/investia-logo-fr.png 456w, https:\/\/solutionsplanifiees.ca\/wp-content\/uploads\/2026\/04\/investia-logo-fr-300x55.png 300w\" sizes=\"(max-width: 456px) 100vw, 456px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"vamtam-has-theme-widget-styles elementor-element elementor-element-4bb6ad0 elementor-widget elementor-widget-text-editor\" data-id=\"4bb6ad0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Mutual funds and guaranteed investment certificates are offered through representatives registered with Investia Financial Services Inc. and the applicable provincial regulatory authorities. The information presented has been obtained from sources we believe to be reliable, but it is not guaranteed by us and may be incomplete. The opinions expressed have not been approved and are not endorsed by Investia Financial Services Inc. This website must not be used for solicitation purposes in any jurisdiction where this Investia representative is not registered.<\/p><p>Investments in mutual funds may involve commissions, trailing commissions, management fees, and other expenses. Please read the fund fact sheet or prospectus carefully before investing. Investments in mutual funds are not guaranteed, their value often fluctuates, and past performance is not indicative of future results.<\/p><p>Insurance and segregated fund products are offered through Lafond Financial Services Inc. Subject to any applicable death benefit guarantees, any portion of the premium, or any other amount allocated to a segregated fund, is invested at the policyholder\u2019s risk and its value may increase or decrease depending on fluctuations in the market value of the segregated fund\u2019s assets.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"vamtam-has-theme-widget-styles elementor-element elementor-element-252e625 elementor-widget elementor-widget-text-editor\" data-id=\"252e625\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Privacy Policy:<\/strong><\/p><p><a href=\"https:\/\/ia.ca\/privacy-policy\" target=\"_blank\" rel=\"noopener\">https:\/\/ia.ca\/privacy-policy<\/a><br \/><br \/><strong>Legal and Compliance:<\/strong><\/p><p><a href=\"https:\/\/investia.ca\/en\/legal-and-compliance\" target=\"_blank\" rel=\"noopener\">https:\/\/investia.ca\/en\/legal-and-compliance<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6afdda3 e-con-full e-flex e-con e-child\" data-id=\"6afdda3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f2bcfa0 elementor-widget elementor-widget-html\" data-id=\"f2bcfa0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- Start CookieYes cookie policy -->\n<script id=\"cky-cookie-policy\" type=\"text\/javascript\" src=\"https:\/\/cdn-cookieyes.com\/client_data\/977b3e2fd898275d8dae3f8b0418cab4\/cookie-policy\/script.js\"><\/script>\n<!-- End CookieYes cookie policy -->\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-405af89 e-con-full e-flex e-con e-child\" data-id=\"405af89\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-697cf92 elementor-widget elementor-widget-heading\" data-id=\"697cf92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Privacy Policy<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"vamtam-has-theme-widget-styles elementor-element elementor-element-0beb731 elementor-widget elementor-widget-text-editor\" data-id=\"0beb731\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Data Protection Officer If you have any questions regarding the protection of your personal information, please contact St\u00e9phane Perreault at the following address: <a href=\"mailto:service@solutionsplanifiees.ca\">service@solutionsplanifiees.ca.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Disclosure notice Mutual funds and guaranteed investment certificates are offered through representatives registered with Investia Financial Services Inc. and the applicable provincial regulatory authorities. The information presented has been obtained from sources we believe to be reliable, but it is not guaranteed by us and may be incomplete. The opinions expressed have not been approved&#8230;<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-991548","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Terms and Conditions | Solutions planifi\u00e9es<\/title>\n<meta name=\"description\" content=\"Read our Terms and Conditions to understand the rules, rights, and responsibilities when using our website or services.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/solutionsplanifiees.ca\/en\/terms-and-conditions\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Terms and Conditions | Solutions planifi\u00e9es\" \/>\n<meta property=\"og:description\" content=\"Read our Terms and Conditions to understand the rules, rights, and responsibilities when using our website or services.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/solutionsplanifiees.ca\/en\/terms-and-conditions\/\" \/>\n<meta property=\"og:site_name\" content=\"Solutions planifi\u00e9es\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-17T14:19:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/solutionsplanifiees.ca\/wp-content\/uploads\/2026\/04\/investia-logo-fr.png\" \/>\n\t<meta property=\"og:image:width\" content=\"456\" \/>\n\t<meta property=\"og:image:height\" content=\"84\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/solutionsplanifiees.ca\\\/en\\\/terms-and-conditions\\\/\",\"url\":\"https:\\\/\\\/solutionsplanifiees.ca\\\/en\\\/terms-and-conditions\\\/\",\"name\":\"Terms and Conditions | Solutions planifi\u00e9es\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/solutionsplanifiees.ca\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/solutionsplanifiees.ca\\\/en\\\/terms-and-conditions\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/solutionsplanifiees.ca\\\/en\\\/terms-and-conditions\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/solutionsplanifiees.ca\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/investia-logo-fr.png\",\"datePublished\":\"2025-03-29T16:49:06+00:00\",\"dateModified\":\"2026-04-17T14:19:53+00:00\",\"description\":\"Read our Terms and Conditions to understand the rules, rights, and responsibilities when using our website or services.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/solutionsplanifiees.ca\\\/en\\\/terms-and-conditions\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/solutionsplanifiees.ca\\\/en\\\/terms-and-conditions\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/solutionsplanifiees.ca\\\/en\\\/terms-and-conditions\\\/#primaryimage\",\"url\":\"https:\\\/\\\/solutionsplanifiees.ca\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/investia-logo-fr.png\",\"contentUrl\":\"https:\\\/\\\/solutionsplanifiees.ca\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/investia-logo-fr.png\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/solutionsplanifiees.ca\\\/en\\\/terms-and-conditions\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/solutionsplanifiees.ca\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Terms and Conditions\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/solutionsplanifiees.ca\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/solutionsplanifiees.ca\\\/en\\\/\",\"name\":\"Solutions planifi\u00e9es\",\"description\":\"Solutions Planifi\u00e9es | Expert en gestion financi\u00e8re et conseil strat\u00e9gique\",\"publisher\":{\"@id\":\"https:\\\/\\\/solutionsplanifiees.ca\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/solutionsplanifiees.ca\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/solutionsplanifiees.ca\\\/en\\\/#organization\",\"name\":\"Solutions planifi\u00e9es\",\"url\":\"https:\\\/\\\/solutionsplanifiees.ca\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/solutionsplanifiees.ca\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/solutionsplanifiees.ca\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/solution-plannifiee-header-logo.png\",\"contentUrl\":\"https:\\\/\\\/solutionsplanifiees.ca\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/solution-plannifiee-header-logo.png\",\"width\":480,\"height\":159,\"caption\":\"Solutions planifi\u00e9es\"},\"image\":{\"@id\":\"https:\\\/\\\/solutionsplanifiees.ca\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Terms and Conditions | Solutions planifi\u00e9es","description":"Read our Terms and Conditions to understand the rules, rights, and responsibilities when using our website or services.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/solutionsplanifiees.ca\/en\/terms-and-conditions\/","og_locale":"en_US","og_type":"article","og_title":"Terms and Conditions | Solutions planifi\u00e9es","og_description":"Read our Terms and Conditions to understand the rules, rights, and responsibilities when using our website or services.","og_url":"https:\/\/solutionsplanifiees.ca\/en\/terms-and-conditions\/","og_site_name":"Solutions planifi\u00e9es","article_modified_time":"2026-04-17T14:19:53+00:00","og_image":[{"width":456,"height":84,"url":"https:\/\/solutionsplanifiees.ca\/wp-content\/uploads\/2026\/04\/investia-logo-fr.png","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/solutionsplanifiees.ca\/en\/terms-and-conditions\/","url":"https:\/\/solutionsplanifiees.ca\/en\/terms-and-conditions\/","name":"Terms and Conditions | Solutions planifi\u00e9es","isPartOf":{"@id":"https:\/\/solutionsplanifiees.ca\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/solutionsplanifiees.ca\/en\/terms-and-conditions\/#primaryimage"},"image":{"@id":"https:\/\/solutionsplanifiees.ca\/en\/terms-and-conditions\/#primaryimage"},"thumbnailUrl":"https:\/\/solutionsplanifiees.ca\/wp-content\/uploads\/2026\/04\/investia-logo-fr.png","datePublished":"2025-03-29T16:49:06+00:00","dateModified":"2026-04-17T14:19:53+00:00","description":"Read our Terms and Conditions to understand the rules, rights, and responsibilities when using our website or services.","breadcrumb":{"@id":"https:\/\/solutionsplanifiees.ca\/en\/terms-and-conditions\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/solutionsplanifiees.ca\/en\/terms-and-conditions\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/solutionsplanifiees.ca\/en\/terms-and-conditions\/#primaryimage","url":"https:\/\/solutionsplanifiees.ca\/wp-content\/uploads\/2026\/04\/investia-logo-fr.png","contentUrl":"https:\/\/solutionsplanifiees.ca\/wp-content\/uploads\/2026\/04\/investia-logo-fr.png"},{"@type":"BreadcrumbList","@id":"https:\/\/solutionsplanifiees.ca\/en\/terms-and-conditions\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/solutionsplanifiees.ca\/en\/"},{"@type":"ListItem","position":2,"name":"Terms and Conditions"}]},{"@type":"WebSite","@id":"https:\/\/solutionsplanifiees.ca\/en\/#website","url":"https:\/\/solutionsplanifiees.ca\/en\/","name":"Solutions planifi\u00e9es","description":"Solutions Planifi\u00e9es | Expert en gestion financi\u00e8re et conseil strat\u00e9gique","publisher":{"@id":"https:\/\/solutionsplanifiees.ca\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/solutionsplanifiees.ca\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/solutionsplanifiees.ca\/en\/#organization","name":"Solutions planifi\u00e9es","url":"https:\/\/solutionsplanifiees.ca\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/solutionsplanifiees.ca\/en\/#\/schema\/logo\/image\/","url":"https:\/\/solutionsplanifiees.ca\/wp-content\/uploads\/2025\/03\/solution-plannifiee-header-logo.png","contentUrl":"https:\/\/solutionsplanifiees.ca\/wp-content\/uploads\/2025\/03\/solution-plannifiee-header-logo.png","width":480,"height":159,"caption":"Solutions planifi\u00e9es"},"image":{"@id":"https:\/\/solutionsplanifiees.ca\/en\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/solutionsplanifiees.ca\/en\/wp-json\/wp\/v2\/pages\/991548","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/solutionsplanifiees.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/solutionsplanifiees.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/solutionsplanifiees.ca\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/solutionsplanifiees.ca\/en\/wp-json\/wp\/v2\/comments?post=991548"}],"version-history":[{"count":17,"href":"https:\/\/solutionsplanifiees.ca\/en\/wp-json\/wp\/v2\/pages\/991548\/revisions"}],"predecessor-version":[{"id":991746,"href":"https:\/\/solutionsplanifiees.ca\/en\/wp-json\/wp\/v2\/pages\/991548\/revisions\/991746"}],"wp:attachment":[{"href":"https:\/\/solutionsplanifiees.ca\/en\/wp-json\/wp\/v2\/media?parent=991548"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}