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Terms of Service
Coigne Capital Inc. Web Properties – Coignecapital.ca and affiliated sub-domains
Effective Date: 10 June 2025
By accessing or using any page, tool, document, calculator, portal, or downloadable file on Coignecapital.ca or its sub-domains (collectively, the “Site”), you confirm that you have read, understood, and agree to be bound by these Terms of Service (“Terms”) as well as our Privacy & Confidentiality Policy and Complaints Management Policy, which are incorporated by reference. If you do not agree, discontinue use of the Site immediately.
Coigne Capital Inc. (“Coigne Capital,” “we,” “us,” “our”) is registered in the Province of Québec as:
Registration | Regulator / Oversight | Notes |
Financial-services firm & insurance brokerage | Autorité des marchés financiers (“AMF”) | AMF Firm No. 608 528 |
Mutual-fund & exempt-market securities dealer (through Global Maxfin Investments Inc.) | Canadian Investment Regulatory Organization (“CIRO”); member Canadian Investor Protection Fund (“CIPF”) | Products offered only where the responsible representative is duly licensed |
Segregated funds are placed exclusively through licensed life-insurance carriers. Mutual funds and other securities are offered solely in provinces/territories where the Coigne Capital representative holds the necessary registration.
Our Anti-Money-Laundering and Anti-Terrorist-Financing (“AML/ATF”) program complies with the Proceeds of Crime (Money Laundering) and Terrorist Financing Act, its regulations, and guidance issued by FINTRAC.
The Site is intended for Canadian residents who have reached the age of majority and can form legally binding contracts. No content is directed to persons in jurisdictions where (a) Coigne Capital is not registered or (b) the distribution or use of such content would contravene local law or regulation.
You agree to use the Site only for lawful, personal, non-commercial purposes and to provide true, accurate, and complete information when requested (including during any “Know-Your-Client” or onboarding workflow). Unauthorised, automated, or malicious use is strictly prohibited.
Information on the Site is general and educational in nature. It does not constitute personalized financial, legal, tax, or accounting advice, nor an offer to buy or sell securities in any jurisdiction. For tailored recommendations you must speak directly with a Coigne Capital advisor and complete a formal suitability assessment. Past performance is not indicative of future results, and all investments involve risk of loss.
Projection tools (e.g., TFSA/RRSP growth simulators) rely on assumptions that may differ from actual market conditions. Outputs are illustrative only and should not be relied upon when making investment decisions. We make no warranty regarding the accuracy, completeness, or timeliness of these tools and may modify or discontinue them without notice.
All content, trademarks, service marks, logos, software code, graphics, and multimedia on the Site (collectively, “Content”) are owned or licensed by Coigne Capital and protected by Canadian and international intellectual-property laws. You receive a limited, non-exclusive, non-transferable licence to display the Content on your personal device for non-commercial viewing. Reproduction, republication, or redistribution requires our prior written consent.
Links to third-party websites (including insurers, fund companies, or regulators) are provided for convenience only. Coigne Capital does not monitor, endorse, or accept responsibility for the content, accuracy, or security of third-party sites. Your use of such links is at your own risk.
Coigne Capital collects, uses, and retains personal information in accordance with Québec’s Act to modernize legislative provisions as regards the protection of personal information (“Law 25”), the Personal Information Protection and Electronic Documents Act (“PIPEDA”), and other applicable privacy legislation. Key Law 25 measures implemented include:
Cookies & Tracking Technologies. Non-essential cookies (analytics, advertising) are deployed only after you provide explicit opt-in consent. You may withdraw consent at any time via the Cookie Settings panel.
Although we employ commercially reasonable administrative, technical, and physical safeguards, the Internet is not fully secure and we cannot guarantee confidentiality of information sent via email or through the Site. By using the Site, you consent to receive electronic communications and accept the inherent risks of such transmission.
You may not use the Site or Coigne Capital services to conceal or disguise the proceeds of crime, finance terrorism, or breach international sanctions. We may request additional documentation, conduct ongoing monitoring, or restrict services without notice to comply with Canadian AML/ATF laws.
The Site and all Content are provided “as is” and “as available,” without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, or uninterrupted availability. Where legislation prohibits the exclusion of warranties, mandatory legal warranties apply only to the minimum extent required.
To the fullest extent permitted by law, Coigne Capital and its affiliates, officers, employees, agents, and licensors are not liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages (including lost profits, data, or business interruption) arising from or in connection with the Site, even if advised of the possibility of such damages. Where exclusions are not permitted, liability is limited to an aggregate of CAD 100.
You agree to indemnify and hold harmless Coigne Capital, its directors, officers, employees, and representatives from and against any claims, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of your breach of these Terms, misuse of the Site, or violation of any law or third-party right.
We may update these Terms at any time. Material changes will be highlighted on this page with a revised “Effective Date.” Continued use of the Site after changes constitutes acceptance of the revised Terms. We may modify, suspend, or discontinue any portion of the Site without notice or liability.
These Terms are governed by the laws of the Province of Québec and the federal laws of Canada applicable therein, without regard to conflict-of-laws rules. Any dispute shall be submitted to the exclusive jurisdiction of the courts of Québec sitting in the Judicial District of Montréal.
If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force. These Terms, together with any other legal notices or policies published on the Site, constitute the entire agreement between you and Coigne Capital regarding Site use and supersede any prior agreements.
Coigne Capital Inc.
3773 Boul. Côte-Vertu, Suite 460
Saint-Laurent, Québec H4R 2L8
Tel: +1 438-609-5669
Email: [email protected]
If an issue remains unresolved, you may contact:
Disclaimer: Use of Financial Calculator Tools
The financial calculator tools provided on Coigne Capital’s website are only designed for informational and illustrative purposes. These tools’ calculations, projections, and estimates are based on user-provided inputs and assumptions, which may not reflect actual future performance, rates, or returns. The results should not be construed as financial, investment, or legal advice, nor do they guarantee any specific outcome.
Users are advised that the tools do not account for all factors that may impact an individual’s financial situation, including but not limited to market fluctuations, changes in legislation, or specific personal circumstances. The results are not a substitute for professional advice and should not be relied upon for investment decisions.
Coigne Capital Inc. does not guarantee the accuracy or applicability of the results produced by these tools, and users should consult with a qualified financial advisor to review their specific situation and tailor a personalized financial strategy.
Using these tools, users acknowledge that Coigne Capital Inc. assumes no liability for any errors, omissions, or actions taken based on the calculator results.
By the guidelines set forth by the Autorité des marchés financiers (AMF), Coigne Capital encourages all clients to consult with a licensed advisor to ensure compliance with applicable regulatory requirements and that financial decisions are made based on informed advice.
Disclosure: Coigne Capital Inc. is a financial-services firm registered with the Autorité des marchés financiers (AMF). Mutual-fund products are distributed through Global Maxfin Investments Inc., Member CIRO; insurance solutions are offered via Qualified Financial Services Inc. All content is for information only and does not constitute personalized advice. Past performance is not indicative of future results. Please review our Primary Disclosure and related compliance notices for full details.
