Terms and Conditions
Updated June 2010
Trade-mark and Copyright Issues
Certain names, words, titles, phrases, logos, icons, graphics or designs on this Web site constitute trade names, trade-marks or service marks of MD Management Limited, the Canadian Medical Association or Entities affiliated therewith, the use of which may have been licensed among them. Other names, logos, designs, titles and words may constitute registered or unregistered trademarks of MD Management or third parties. While certain trademarks may be used by MD Management Limited under license, the display of third-party trademarks on the Web site should not be taken to imply any relationship or licence between MD Management and the owner of said trademark or to imply that MD Management endorses the wares, services or business of the owner of said trademark. Nothing contained on the Web site should be construed as granting you any license or right to use ay trademark, logo or design of MD Management or any third party without the written permission of MD Management or the respective owner of the third party trademark. All information found on this Web site is protected under the copyright laws of Canada and in other countries. Unless otherwise specified, no one has permission to copy, redistribute, reproduce and republish, in any form, any information found on this Web site.
Accuracy of Information
The content provided on this website is for informational purposes only. Although we believe this information to be correct, and attempt to keep content on this website current, we do not warrant the accuracy or completeness of any information on this site.
MD Management products and services are available in Canada and only in those other jurisdictions where they may be legally offered. This communication does not constitute an offer or solicitation to anyone in any jurisdiction in which such an offer or solicitation is not authorized or to any person to whom it is unlawful to make such a solicitation.
The information provided on this website is not intended to provide specific financial, tax, legal or accounting advice and should not be relied upon in that regard.
Fund Performance Data
Performance data represents past performance and is not necessarily indicative of future performance. Unit/share values, yields and investment returns will fluctuate. Important information about our mutual funds are contained in the simplified prospectus. Please read it carefully before investing.
Insurance Legal Notice
Most insurance products are distributed through an insurance and wealth management alliance between MD and many provincial medical associations. When an MD advisor distributes an insurance product, it is distributed by MD Insurance Agency Limited, a CMA company. All life-licensed MD advisors have life licences with MD Insurance Agency Limited.
In all cases, actual policy language will prevail. Please refer to your policy document for complete information about your coverage. The tax information included in this document is based on the most current Income Tax Act (Canada) rules available at the time of publication.
When you invest in a life insurance policy, you do not acquire an interest in any mutual fund or index your account may be linked to, nor do you purchase any units or legal interest in any security.
Past performance is not necessarily indicative of future performance.
Rate of Return
The rate of return is used only to illustrate the effects of the compound growth rate and is not intended to reflect future values of the mutual fund or returns on investment in the mutual fund. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the simplified prospectus before investing. The indicated rates of return are the historical annual compounded total returns including changes in share or unit value and reinvestment of all dividends and distributions and does not take into account sales, redemption, distribution or optional charges or income taxes payable by any securityholder that would have reduced returns. Mutual funds are not guaranteed; their values change frequently and past performance may not be repeated.
MD Money Fund
Yields are annualized historical yields based on the seven-day period noted on the MD Money Fund Fact Sheet (annualized in the case of effective yield by compounding the seven-day return) and does not represent an actual one-year return. The performance data assumes reinvestment of distributions only and does not take into account sales, redemption, distribution or optional charges or income taxes payable by reduced returns. Mutual fund securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. Past performance may not be repeated.
Morningstar Quartile Rankings
Quartile rankings are a measurement of how a mutual fund performs when compared to other funds within the same competitive universe. The Investment Funds Standards Committee defines peer groups. BellCharts produces the rankings (1st quartile best-4th quartile lowest). Quartile rankings are available from Morningstar who can be contacted at www.morningstar.ca.
Note Regarding Funds Established Before October 1, 1994
The funds that existed at that date were only responsible for payment of the management fee, brokerage fees and taxes. Effective October 1, 1994, such funds assumed responsibility for the payment of all expenses related to the preparation and distribution of public disclosure documents, custodial fees, audit fees and meetings of security holders. Effective June 1, 1996, the annual management fee for MD Balanced Fund, MD Dividend Fund, MD Equity Fund, MD Growth Fund, MD Select Fund and MD US Equity Fund increased by 0.25%. Had this change been in effect throughout the above measurement periods, fund performance would have decreased. This change does not apply to the MD Income Fund.
No endorsement of any third party products or services is expressed or implied by any information, material or content referred to, or included on, or linked from or to this website.
Any unprotected email communication is subject to possible interception or loss and may be subject to third party alteration. MD Management assumes no liability for loss relating to a breach of confidentiality or resulting from unauthorized access by third parties to electronic files.
This website may contain links to other websites that are provided for convenience only. Any such other websites are independent from this website. Neither MD nor its affiliates or subsidiaries assume any responsibility for the accuracy or appropriateness of the information, data, opinions, advice, or statements contained at such sites and when you access such sites you do so at your own risk. The provision of any such link does not constitute an endorsement by MDM or its affiliates or subsidiaries of the other website.
Accessing Your MD Accounts Online
Important: Please read this agreement before accessing your MD Financial accounts online. Your use of the services as defined below will indicate that you have read this Agreement and will act as your acceptance of and agreement to be bound by the terms and conditions herein and any other term, condition or restriction applicable in respect of the services. The appropriate entity with MD Financial shall provide the services to you only upon the following terms and condition.