Last Modified: January 4, 2024

1. General

These Terms of Use (“Terms”) govern your use of the Coigne Capital Inc. website (coignecapital.ca) (“Site”). By accessing or using the Site, you agree to comply with these Terms. Coigne Capital Inc. (“the Company,” “we,” “our,” or “us”) reserves the right to modify these Terms at any time without prior notice. It is your responsibility to review these Terms periodically to stay informed of any updates.

2. Use of the Site

The Site is intended for personal, non-commercial use only. It is designed to inform families, individuals, and entrepreneurs about the services offered by Coigne Capital Inc. and its network of partners, stakeholders, or affiliated financial institutions. The Site should not be used by financial advisors, brokerage representatives, financial planners, financial institutions, or for any other commercial activity, except as expressly permitted by Coigne Capital Inc.

Disclaimer: The information provided on this Site is for informational purposes only and should not be construed as financial advice. All financial products and services offered by Coigne Capital Inc. must comply with the laws and regulations of the Autorité des Marchés Financiers (AMF) and relevant financial institutions. The content of this Site is suitable for potential investors, clients, businesses, and families seeking financial and business advice but should not be relied upon as the sole basis for making financial decisions.

3. Security

We implement advanced technological measures to protect the Site against viruses, malware, and other malicious activities. Any attempt to compromise the Site’s security will be met with legal action for damages. Users are prohibited from engaging in any activity that could harm or disrupt the Site’s operations, including hacking, unauthorized access, or introducing harmful code. Coigne Capital Inc. reserves the right to pursue legal remedies against individuals or entities that attempt to compromise the Site’s security.

4. Responsibility and Financial Information

The financial information available on this Site is provided for general informational purposes and is sourced from external parties. While we strive to ensure the accuracy and timeliness of the information, we do not guarantee its accuracy, completeness, or suitability for any specific purpose. Financial rates, figures, and other data presented on the Site are subject to change without notice and should not be interpreted as an offer or solicitation to buy or sell financial products or services.

5. Hyperlinks

Our Site may contain links to third-party websites for your convenience. These links do not imply endorsement or approval of the content or operations of these external sites. Coigne Capital Inc. is not responsible for the content, security, or privacy practices of any third-party websites. Accessing these links is at your own risk, and we accept no liability for any damages or losses arising from the use of third-party websites.

6. Indemnification

By using this Site, you agree to indemnify, defend, and hold harmless Coigne Capital Inc., its affiliates, and employees from any claims, damages, liabilities, costs, or expenses (including legal fees) arising from your use of the Site or violation of these Terms. You agree to cooperate with us in the defense of any such claims.

7. Mobile Devices

These Terms apply equally to users accessing the Site via mobile devices or other technologies. The Site’s functionality and accessibility on mobile devices may vary, and we are not responsible for any limitations or restrictions that may arise when using mobile devices.

8. Certification

Coigne Capital Inc. is a financial services company licensed by the Autorité des Marchés Financiers (AMF) under registration number 608528. The Company acts as an intermediary or broker for financial and insurance services, with products and services facilitated through QFS Qualified Financial Services for insurance products and WhiteHaven Securities for investment products.

9. Forward-Looking Statements

The Site may contain forward-looking statements regarding Coigne Capital Inc.’s future performance, strategies, and objectives. These statements are based on current expectations, assumptions, and forecasts that involve risks and uncertainties. Actual results may differ materially from those expressed or implied by these forward-looking statements. Users should not consider these statements as guarantees of future performance. We have no obligation to update or revise forward-looking statements to reflect changes in circumstances or events occurring after the date of publication.

10. Additional Provisions

10.1 Data Protection and Privacy

Coigne Capital Inc. is committed to protecting your privacy and adheres to the Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable Canadian and Quebec privacy laws. Personal information collected through the Site is used solely for the purpose of providing and enhancing our services. We do not sell or share your personal information with third parties except as required by law or with your explicit consent. We maintain strict confidentiality of all client and personal information and only disclose such information to third parties if required by legal authorities or court order.

10.2 Data Retention and Disposal

We retain personal data only as long as necessary to fulfill the purposes for which it was collected or as required by law. Upon the expiration of this retention period, we ensure the secure disposal of personal data to prevent unauthorized access, ensuring responsible data management.

10.3 Data Sharing with Third Parties

Personal data may be shared with third-party service providers, affiliates, or legal authorities as necessary to provide our services or comply with legal obligations. We ensure that these third parties are bound by contractual obligations to protect your personal data in accordance with our policies and applicable laws.

10.4 International Data Transfers

If your personal data is transferred to other countries, particularly outside Canada, we ensure that appropriate safeguards are in place to protect your data in compliance with applicable laws, including the implementation of standard contractual clauses or other mechanisms recognized by privacy regulators.

10.5 Data Security Measures

We implement robust security measures to protect personal data against unauthorized access, alteration, disclosure, or destruction. These measures include, but are not limited to, encryption, secure storage, and access controls. We also encourage users to take individual steps to protect their data, such as using strong passwords and keeping them confidential.

10.6 Use of Cookies and Tracking Technologies

Our Site uses cookies and similar tracking technologies to enhance your user experience and analyze site usage. Cookies help us understand how users interact with our Site, allowing us to improve functionality and content delivery. You can manage your cookie preferences or disable cookies entirely through your browser settings. Please note that disabling cookies may affect the quality of your user experience.

10.7 Severability

If any provision of these Terms is found to be invalid or unenforceable under applicable law, that provision will be deemed null and void, and the remaining provisions will continue to be valid and enforceable. The invalid or unenforceable provision will be replaced with a valid, enforceable provision that most closely reflects the original intent of the provision.

10.8 Modifications to the Terms

We may update these Terms from time to time to comply with legal requirements and reflect changes in our operations. When we make changes to these Terms, we will update the “Last Modified” date at the top of this page. Users will be notified of any significant changes via email or a prominent notice on our website. Continued use of the Site following the posting of modified Terms constitutes your acceptance of those changes.

11. Contact Information

For any questions or concerns regarding these Terms, please contact us at:

Coigne Capital Inc.
Toll-Free: (888) 333-0398
Email: info@coignecapital.ca
Address: 3773 boul. Côte-Vertu, Suite 460, Saint-Laurent, QC H4R 2M3