Legal Notices and Disclaimer of Liability

• TD Bank Group
• Use of Website
• Email Disclaimer
• Information
• Trade-marks and Copyrights
• Designated Locations for Requirements to Pay, Requests for Information, and Orders received from the CRA and for Serving Support Enforcement Notices
• Product Information
  • Visa
  • TD Canada Trust Market Growth GICs and Security GIC Plus
  • TD Waterhouse Canada Inc.
  • TD Asset Management
  • TD Insurance Services
  • TD Insurance Home and Auto
  • TD Prime Rate
  • Offering Documents Disclaimer
    • UK Disclosure
    • U.S. Disclosure
• TD Mobile Payment Terms & Conditions
• TD Bank USA PATRIOT Act Certification
• TD Bank, America’s Most Convenient Bank
• TD Insurance mobile Application Terms and Conditions

A.  TD Bank Group

The TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance and other products or services.

B.  Use of Website

The TD Bank Group is not responsible in any manner for direct, indirect, special or consequential damages, however caused, arising out of your use of this Website and/or any web browser, including any damages you may suffer if you transmit confidential or sensitive information to us or if we communicate such information to you at your request over the Internet. Links to other websites from this Website are for convenience only. No endorsement of any third party products, services or information is expressed or implied by any information, material or content referred to or included on, or linked from or to this Website.

C.  Email Disclaimer

Email communication including any information transmitted with it is intended only for the use of the addressee(s) and is confidential. If you are not an intended recipient or responsible for delivering the message to an intended recipient, any review, disclosure, conversion to hard copy, dissemination, reproduction or other use of any part of this communication is strictly prohibited, as is the taking or omitting of any action in reliance upon this communication. If you receive this communication in error or without authorization please notify us immediately by return e-mail or otherwise and permanently delete the entire communication from any computer, disk drive, or other storage medium.

D.  Information

Information provided by TD Bank Group and other sources on this Website is believed to be accurate and reliable when placed on this site, but we cannot guarantee it is accurate or complete or current at all times. Information on this site is for informational purposes only and is not intended to provide financial, legal, accounting or tax advice and should not be relied upon in that regard. We endeavour to keep the rates and fees posted at this site current. However rates, fees and information are subject to change at any time without notice to users and the posted rates and fees at the site may not immediately reflect such changes. Customers will be advised of applicable fee changes at least 60 days (or such shorter period as permitted by Canadian securities regulatory authorities) before the effective date of any change in charges.

The English and French language versions of our policies are the only official ones. Any and all contractual rights are determined with reference to those official versions. The additional language translations have been prepared, as a courtesy, to assist our non-English speaking or non-French speaking clients in following the English or French versions, as applicable. In the event of any conflict or ambiguity in the available translations and the English or French versions, the English or French version, as applicable, shall govern.

E.  Trade-marks and Copyrights

Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this Website may constitute trade names, registered or unregistered trade-marks or service marks ("Trade-marks") of The Toronto-Dominion Bank ("TD Bank"), other members of the TD Bank Group or of third parties and used under license by TD Bank or other members of the TD Bank Group. However, the display of Trade-marks on pages at this Website does not imply that any license has been granted to any third party.

All information in this Website is protected under the copyright laws of Canada and/or other countries. Users of this Website shall be entitled to copy any information for their own personal use but may not republish or reproduce any such information in any manner, including electronic reproduction by "uploading" or "downloading", without the prior written consent of the TD Bank Group. Otherwise, no one has permission to copy, redistribute, reproduce or republish, in any form, any information found in the pages of this Website.

Any unauthorized downloading, re-transmission, or other copying or modification of Trade-marks or other contents of this Website may be a violation of statutory or common law rights which could subject the violator to legal action.

F.  Designated Locations for Service of Support Enforcement Notices and Requirements to Pay, Requests for Information, and Orders received from the CRA

In compliance with the Bank Act Support Orders and Support Provisions (Banks and Authorized Foreign Banks) Regulations and the Trust and Loan Companies Act Support Orders and Support Provisions (Trust and Loan Companies) Regulations, the following offices have been designated by The Toronto-Dominion Bank , The Canada Trust Company , TD Mortgage Corporation and TD Pacific Mortgage Corporation , all carrying on business as TD Canada Trust , for the service of enforcement notices in respect of the provinces noted below.

The following offices are designated for service of CRA Requests only:

G.  Product Information

Visa

Visa, Verified by Visa and Plus are Trade-Marks of Visa International Service Association/TD Canada Trust, licensed user of Marks.

Chargex: TD Canada Trust, licensed user of Mark.

Interac and the Interac logo are Trade-Marks of Interac Inc., TD Canada Trust, authorized user of the Trade-Marks.

American Express: Used under license from American Express Company.

Back to Product Information  

TD Canada Trust Market Growth GICs and Security GIC Plus

TD Canada Trust Market Growth GICs and Security GIC Plus cannot be redeemed or cashed prior to maturity.

"The S&P 500 Index", "Standard & Poor's ", "S&P ", "S&P 500 ", "Standard & Poor's 500" and "500" are trade-marks of The McGraw-Hill Companies, Inc. TSX is a trade-mark of the Toronto Stock Exchange. These marks have been licensed for use by The Toronto-Dominion Bank. The Dow Jones EURO STOXX 50 Index is proprietary and copyrighted material. The Dow Jones EURO STOXX 50 Index and the related trademarks have been licensed for certain purposes by The Toronto-Dominion Bank. Neither STOXX Limited nor Dow Jones & Company, Inc. sponsors, endorses or promotes the products based on the Dow Jones EURO STOXX 50 Index.

GIC PLUS, FINANCIALS GIC PLUS, UTILITIES GIC PLUS, U.S. GIC PLUS, GLOBAL GIC PLUS and Security GIC PLUS products are not sponsored, endorsed, sold or promoted by Standard & Poor's or the Toronto Stock Exchange, and neither makes any representation, warranty or condition regarding the advisability of investing in these products.

Returns for GLOBAL GIC PLUS are linked to the combined performance of the following stock market indices: S&P/TSX 60, S&P 500, FTSE 100, Nikkei 225, Dow Jones EURO STOXX 50. The indices shown, their associated stock exchanges or any entity that prepares or publishes such indices, and owners of any trade-marks associated with such indices or entities, are not associated with the GLOBAL GIC PLUS product. The weighting of each of these indices will be determined by The Toronto-Dominion Bank and may vary or fluctuate from day to day. Use of or reference to any index or trade-mark is intended to be generic only and does not imply endorsement by any such entity.

Terms and Conditions Pertaining to Telephone Sales of TD Canada Trust Market Growth GICs and Security GIC Plus:

• If you purchase one of the TD Canada Trust Market Growth GICs or the Security GIC Plus over the telephone and do not receive at the time of purchase a TD Canada Trust Market Growth GIC Disclosure Statement, you may rescind the purchase within 48 hours of actual or deemed receipt of a Disclosure Statement.
• You are, by law, deemed to have received the Disclosure Statement five days after the postmark date of such statement when sent by us.

Back to Product Information  

TD Waterhouse Canada Inc.:

TD Direct Investing (new business name) and TD Waterhouse Discount Brokerage (former business name) both refer to a single division of TD Waterhouse Canada Inc.

TD Wealth Financial Planning (new business name) and TD Waterhouse Financial Planning (former business name) both refer to a single division of TD Waterhouse Canada Inc.

TD Wealth Private Investment Advice (new business name) and TD Waterhouse Private Investment Advice (former business name) both refer to a single division of TD Waterhouse Canada Inc.

TD Waterhouse Canada Inc. is a subsidiary of The Toronto-Dominion Bank. TD Waterhouse Canada Inc. - Member of the Canadian Investor Protection Fund.

Vice-President Title

TD Wealth Private Investment Advice awards the title of Vice-President to those Investment Advisors who meet standards for seniority, business metrics, and a satisfactory compliance record. Adherence to these standards is reviewed annually by TD Waterhouse Canada Inc. management. The Vice-President title does not indicate that an Investment Advisor is a corporate officer of TD Waterhouse Canada Inc.

Back to Product Information  

TD Wealth / TD Waterhouse:

TD Wealth Private Client Group (current name) and TD Waterhouse Private Client Services (former name) both refer to the products and services offered by TD Waterhouse Private Investment Counsel Inc., TD Wealth Private Trust and TD Wealth Private Banking.

TD Wealth Private Trust refers to the products and services offered by The Canada Trust Company.

TD Wealth Private Banking refers to the products and services offered by The Toronto-Dominion Bank.

TD Wealth Private Investment Counsel refers to the products and services offered by TD Waterhouse Private Investment Counsel Inc., a subsidiary of The Toronto-Dominion Bank.

TD Harbour Capital is a division of TD Waterhouse Private Investment Counsel Inc.

TD Wealth Insurance Services means TD Waterhouse Insurance Services Inc., a member of TD Bank Group. All insurance products and services are offered by the life licensed advisors of TD Waterhouse Insurance Services Inc.

TD Registered Plan Trust Services refers to products and services offered by The Canada Trust Company.

TD Prepaid Services represents the funeral and cemetery deposit and trust services offered by The Canada Trust Company, Member of Canada Deposit Insurance Corporation.

Back to Product Information  

TD Investment Services Inc.:

Mutual Funds Representatives with TD Investment Services Inc. distribute mutual funds at TD Canada Trust.

TD Asset Management:

Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the fund facts and prospectus, which contains detailed investment information, before investing. The indicated rates of return (other than for each money market fund) are the historical annual compounded total returns for the period indicated including changes in unit value and reinvestment of distributions. The indicated rate of return for each money market fund is an annualized historical yield based on the seven-day period ended as indicated and annualized in the case of effective yield by compounding the seven day return and does not represent an actual one year return. The indicated rates of return do not take into account sales, redemption, distribution or optional charges or income taxes payable by any unitholder that would have reduced returns. Mutual funds are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer and are not guaranteed or insured. Their values change frequently. There can be no assurances that a money market fund will be able to maintain its net asset value per unit at a constant amount or that the full amount of your investment will be returned to you. Past performance may not be repeated.

The performance of an Index fund is expected to be lower than the performance of its respective index. Investors cannot invest directly in an index. Comparisons to indices have limitations because indices have volatility and other material characteristics that may differ from a particular mutual fund.

Target distribution rates are based on Net Asset Value (NAV) per unit (PU) for the Fund(s). The target distribution rates will change with the changes in the series NAVPU or monthly distribution per unit. This is a target distribution only, is not guaranteed, may be adjusted from time to time without notice and is not a prediction of future distributions. The most recent actual monthly distributions per unit are available on the TDAM website at tdassetmanagement.com

The payment of distributions should not be confused with a fund’s performance, rate of return or yield. If a distribution paid by a fund is greater than the performance of the fund, the difference will be deducted from your invested capital.

Capital gains taxes deferred will be payable when the units of a fund are sold or to some extent when their adjusted cost base goes below zero. Return of capital (ROC) distributions do not constitute part of a fund’s rate of return or yield. ROC reduces the adjusted cost base of the units to which it relates.

Graphs are only used to illustrate the effects of the compound growth rate and do not reflect future values of any fund or returns on investment of any fund.

Regulatory restrictions limit publishing performance returns for funds or portfolios with a history of less than one year.

Mutual fund strategies and current holdings are subject to change.

For funds that are purchased under the Low Sales Charge 2 (LSC2) option, once securities acquired under this purchase option are held for periods greater than 4 years, the maximum annual trail commission rate that can be paid to your dealer may automatically increase to the maximum annual trail commission rate payable under the front-end load option for the same fund.

TD Mutual Funds and the TD Managed Assets Program portfolios are managed by TD Asset Management Inc., a wholly-owned subsidiary of The Toronto-Dominion Bank, and are available through authorized dealers.

TD Mutual Funds Corporate Class funds are issued by TD Mutual Funds Corporate Class Ltd.

Epoch Investment Partners, Inc. ("Epoch") is a wholly-owned subsidiary of The Toronto-Dominion Bank and an affiliate of TD Asset Management Inc.

^®© 2015 Morningstar is a registered trademark of Morningstar Research Inc. All rights reserved.

FTSE TMX Global Debt Capital Markets Inc. (“FTDCM”), FTSE International Limited (“FTSE”), the London Stock Exchange Group companies (the "Exchange") or TSX INC. (“TSX” and together with FTDCM, FTSE and the Exchange, the “Licensor Parties”). The Licensor Parties make no warranty or representation whatsoever, expressly or impliedly, either as to the results to be obtained from the use of the index/indices (“the Index/Indices”) and/or the figure at which the said Index/Indices stand at any particular time on any particular day or otherwise. The Index/Indices are compiled and calculated by FTDCM and all copyright in the Index/Indices values and constituent lists vests in FTDCM. The Licensor Parties shall not be liable (whether in negligence or otherwise) to any person for any error in the Index/Indices and the Licensor Parties shall not be under any obligation to advise any person of any error therein.

“TMX” is a trade mark of TSX Inc. and is used under licence. “FTSE^®” is a trade mark of the London Stock Exchange Group companies and is used by FTDCM under licence.

A short-term trading fee of up to 2%, payable to the fund, may apply to all units of TD Mutual Funds (except money market funds). Please refer to the applicable Fund Facts documents for details.

In December 2006, the investment objective of the TD Diversified Monthly Income Fund (formerly TD Monthly High Income Fund) changed to permit the fund to invest primarily in income-producing securities. The fund was previously required to invest primarily in Canadian equities, bonds and short-term instruments. If the change had been in effect previously, the fund’s performance could have been materially different.

In December 2006, the investment objective of the TD North American Dividend Fund (formerly TD U.S. Equity Fund) changed to permit the fund to invest primarily in income-producing securities in North America. The fund was previously required to invest primarily in large-cap companies in the U.S. If the change had been in effect previously, the fund’s performance could have been materially different.

In December 2006, the investment objective of the TD U.S. Quantitative Equity Fund (formerly TD AmeriGrowth RSP Fund) changed. If the change had been in effect previously, the fund’s performance could have been materially different.

In December 2006, the investment objective of the TD Global Bond Fund (formerly TD Global RSP Bond Fund) changed. If the change had been in effect previously, the fund’s performance could have been materially different.

In December 2006, the investment objective of the TD International Index Currency Neutral Fund (formerly TD International RSP Index Fund) changed. If the change had been in effect previously, the fund’s performance could have been materially different.

In December 2006, the investment objective of the TD U.S. Index Currency Neutral Fund (formerly TD U.S. RSP Index Fund) changed. If the change had been in effect previously, the fund’s performance could have been materially different.

Effective November 12, 2013, TD Asset Management Inc. became the portfolio adviser for the TD International Growth Fund. Previously, Echo Point Investment Management, LLC was a portfolio adviser for the fund. If the portfolio adviser change had been in effect previously, the fund’s performance could have been materially different.

Effective July 31, 2013, Epoch Investment Partners, Inc. became the portfolio adviser for the Epoch Global Shareholder Yield Fund (formerly TD Global Dividend Fund). Previously, TDAM was the portfolio adviser for the fund. If the portfolio adviser change had been in effect prior to this date, the funds’ performance could have been materially different.

Effective July 31, 2013, Epoch Investment Partners, Inc. became the portfolio adviser for the Epoch European Equity Fund (formerly TD European Growth Fund). Previously, TDAM was the portfolio adviser for the fund. If the portfolio adviser change had been in effect prior to this date, the funds’ performance could have been materially different.

Effective May 9, 2013, Epoch Investment Partners, Inc. became the portfolio advisor for the Epoch U.S. Large-Cap Value Fund (formerly TD U.S. Large-Cap Value Fund). Previously, T. Rowe Price Associates, Inc. was the portfolio advisor for the fund. If the portfolio adviser change had been in effect previously, the fund’s performance could have been materially different.

Effective April 29, 2013, Epoch Investment Partners, Inc. became the portfolio advisor for the Epoch Global Equity Fund (formerly TD Global Growth Fund). Previously, Newton Capital Management Limited was the portfolio advisor for the fund. If the portfolio adviser change had been in effect previously, the fund’s performance could have been materially different.

Effective August 1, 2009, Newton Capital Management Limited became the portfolio adviser for the TD Global Growth Fund. Previously, Oppenheimer Funds, Inc. was the portfolio adviser. If the portfolio adviser change had been in effect previously, the fund’s performance could have been materially different.

As of the close of business April 5, 2013, the TD Corporate Bond Capital Yield Fund is no longer available for purchase.

Effective December 15, 2011, TD Asset Management Inc. became the sole portfolio adviser for the TD Balanced Income Fund. Previously, both Jarislowsky Fraser Limited and TDAM were portfolio advisers for the fund. If this change had been in effect previously, the fund’s performance could have been materially different.

Effective October 1, 2010, TD Asset Management Inc. became the portfolio adviser for the TD Canadian Blue Chip Equity Fund. Previously, Jarislowsky Fraser Limited was the portfolio adviser. If the portfolio adviser change had been in effect previously, the fund’s performance could have been materially different.

Effective July 21, 2010, TD Asset Management Inc. became the portfolio adviser for the TD Balanced Growth Fund. Previously, McLean Budden Limited was the portfolio adviser. If the portfolio adviser change had been in effect previously, the fund’s performance could have been materially different.

Effective December 1, 2015, TD Asset Management Inc. (TDAM) will no longer accept additional investments in TD Japanese Index Fund, TD Japanese Growth Fund, TD FundSmart Managed Maximum Equity Growth Portfolio, TD U.S. Equity Currency Neutral Portfolio and TD Canadian T-Bill Fund. TDAM plans to terminate the operations of these funds on or about April 15, 2016. The termination of TD Canadian T-Bill Fund is subject to securityholder approval. Subject to securityholder and regulatory approval, TDAM has proposed to merge on or about April 15, 2016, the TD Energy Fund and TD Precious Metals Fund into the TD Resource Fund, the TD Latin American Growth Fund into the TD Emerging Markets Fund, the TD Mortgage Fund into the TD Short Term Bond Fund, the TD Canadian Blue Chip Equity Fund into the TD Canadian Equity Fund, the TD FundSmart Managed Income Portfolio into the TD Managed Income Portfolio, and TD Canadian Blue Chip Equity Class into the TD Canadian Equity Class.

The "Dow Jones Industrial Average" is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by TDAM. Standard & Poor’s^® and S&P^® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); DJIA^®, The Dow^®, Dow Jones^® and Dow Jones Industrial Average are trademarks of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by TDAM. TD Dow Jones Industrial AverageSM Index Fund are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices makes no representation or warranty, express or implied, to the owners of the TD Dow Jones Industrial AverageSM Index Fund or any member of the public regarding the advisability of investing in securities generally or in TD Dow Jones Industrial AverageSM Index Fund particularly or the ability of the Dow Jones Industrial Average to track general market performance. S&P Dow Jones Indices’ only relationship to TDAM with respect to the Dow Jones Industrial Average is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices or its licensors. The Dow Jones Industrial Average is determined, composed and calculated by S&P Dow Jones Indices without regard to TDAM or the TD Dow Jones Industrial AverageSM Index Fund. S&P Dow Jones Indices have no obligation to take the needs of TDAM or the owners of TD Dow Jones Industrial AverageSM Index Fund into consideration in determining, composing or calculating the Dow Jones Industrial Average. S&P Dow Jones Indices is not responsible for and has not participated in the determination of the prices, and amount of TD Dow Jones Industrial AverageSM Index Fund or the timing of the issuance or sale of TD Dow Jones Industrial AverageSM Index Fund or in the determination or calculation of the equation by which TD Dow Jones Industrial AverageSM Index Fund is to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices has no obligation or liability in connection with the administration, marketing or trading of TD Dow Jones Industrial AverageSM Index Fund. There is no assurance that investment products based on the Dow Jones Industrial Average will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment advisor. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice. Notwithstanding the foregoing, CME Group Inc. and its affiliates may independently issue and/or sponsor financial products unrelated to TD Dow Jones Industrial AverageSM Index Fund currently being issued by TDAM, but which may be similar to and competitive with TD Dow Jones Industrial AverageSM Index Fund. In addition, CME Group Inc. and its affiliates may trade financial products which are linked to the performance of the Dow Jones Industrial Average.

S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE DOW JONES INDUSTRIAL AVERAGE OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKES NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY TDAM, OWNERS OF THE TD DOW JONES INDUSTRIAL AVERAGESM INDEX FUND, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE DOW JONES INDUSTRIAL AVERAGE OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND TDAM OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.

THE FUND IS NOT SPONSORED, ENDORSED, SOLD OR PROMOTED BY MSCI INC. (“MSCI”), ANY OF ITS AFFILIATES, ANY OF ITS INFORMATION PROVIDERS OR ANY OTHER THIRD PARTY INVOLVED IN, OR RELATED TO, COMPILING, COMPUTING OR CREATING ANY MSCI INDEX (COLLECTIVELY, THE “MSCI PARTIES”). THE MSCI INDEXES ARE THE EXCLUSIVE PROPERTY OF MSCI. MSCI AND THE MSCI INDEX NAMES ARE SERVICE MARK(S) OF MSCI OR ITS AFFILIATES AND HAVE BEEN LICENSED FOR USE FOR CERTAIN PURPOSES BY THE TORONTO-DOMINION BANK. NONE OF THE MSCI PARTIES MAKES ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, TO THE ISSUER OR UNITHOLDERS OF THE FUND OR ANY OTHER PERSON OR ENTITY REGARDING THE ADVISABILITY OF INVESTING IN FUNDS GENERALLY OR IN THE FUND PARTICULARLY OR THE ABILITY OF ANY MSCI INDEX TO TRACK CORRESPONDING STOCK MARKET PERFORMANCE. MSCI OR ITS AFFILIATES ARE THE LICENSORS OF CERTAIN TRADEMARKS, SERVICE MARKS AND TRADE NAMES AND OF THE MSCI INDEXES WHICH ARE DETERMINED, COMPOSED AND CALCULATED BY MSCI WITHOUT REGARD TO THE FUND OR THE ISSUER OR UNITHOLDERS OF THE FUND OR ANY OTHER PERSON OR ENTITY. NONE OF THE MSCI PARTIES HAS ANY OBLIGATION TO TAKE THE NEEDS OF THE ISSUER OR UNITHOLDERS OF THE FUND OR ANY OTHER PERSON OR ENTITY INTO CONSIDERATION IN DETERMINING, COMPOSING OR CALCULATING THE MSCI INDEXES. NONE OF THE MSCI PARTIES IS RESPONSIBLE FOR OR HAS PARTICIPATED IN THE DETERMINATION OF THE TIMING OF, PRICES AT, OR QUANTITIES OF THE FUND’S UNITS TO BE ISSUED OR IN THE DETERMINATION OR CALCULATION OF THE EQUATION BY OR THE CONSIDERATION INTO WHICH THE FUND’S UNITS ARE REDEEMABLE. FURTHER, NONE OF THE MSCI PARTIES HAS ANY OBLIGATION OR LIABILITY TO THE ISSUER OR UNITHOLDERS OF THE FUND OR ANY OTHER PERSON OR ENTITY IN CONNECTION WITH THE ADMINISTRATION, MARKETING OR OFFERING OF THE FUND. ALTHOUGH MSCI SHALL OBTAIN INFORMATION FOR INCLUSION IN OR FOR USE IN THE CALCULATION OF THE MSCI INDEXES FROM SOURCES THAT MSCI CONSIDERS RELIABLE, NONE OF THE MSCI PARTIES WARRANTS OR GUARANTEES THE ORIGINALITY, ACCURACY AND/OR THE COMPLETENESS OF ANY MSCI INDEX OR ANY DATA INCLUDED THEREIN. NONE OF THE MSCI PARTIES MAKES ANY WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY THE ISSUER OF THE FUND, UNITHOLDERS OF THE FUND, OR ANY OTHER PERSON OR ENTITY, FROM THE USE OF ANY MSCI INDEX OR ANY DATA INCLUDED THEREIN. NONE OF THE MSCI PARTIES SHALL HAVE ANY LIABILITY FOR ANY ERRORS, OMISSIONS OR INTERRUPTIONS OF OR IN CONNECTION WITH ANY MSCI INDEX OR ANY DATA INCLUDED THEREIN. FURTHER, NONE OF THE MSCI PARTIES MAKES ANY EXPRESS OR IMPLIED WARRANTIES OF ANY KIND, AND THE MSCI PARTIES HEREBY EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO EACH MSCI INDEX AND ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL ANY OF THE MSCI PARTIES HAVE ANY LIABILITY FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, CONSEQUENTIAL OR ANY OTHER DAMAGES (INCLUDING LOST PROFITS) EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES. No purchaser, seller or holder of any units of the Fund, or any other person or entity, should use or refer to any MSCI trade name, trademark or service mark to sponsor, endorse, market or promote the Fund without first contacting MSCI to determine whether MSCI’s permission is required. Under no circumstances may any person or entity claim any affiliation with MSCI without the prior written permission of MSCI.

The Fund is not sponsored, endorsed, sold or promoted by The NASDAQ OMX Group, Inc., or its affiliates (NASDAQ OMX, with its affiliates, are referred to as the “Corporations”). The Corporations have not passed on the legality or suitability of, or the accuracy or adequacy of descriptions and disclosures relating to, the Fund. The Corporations make no representation or warranty, express or implied to the unitholders of the Fund or any member of the public regarding the advisability of investing in securities generally or in the Fund particularly, or the ability of the NASDAQ-100 Index^® to track general stock market performance. The Corporations’ only relationship to TDAM is in the licensing of the NASDAQ^®, OMX^®, Nasdaq-100^®, and NASDAQ-100 Index^® registered trademarks, and certain trade names of the Corporations and the use of the NASDAQ-100 Index^® which is determined, composed and calculated by NASDAQ OMX without regard to TDAM or the Fund. NASDAQ OMX has no obligation to take the needs of TDAM or the unitholders of the Fund into consideration in determining, composing or calculating the NASDAQ-100 Index^®. The Corporations are not responsible for and have not participated in the determination of the timing of, prices at, or quantities of the Fund's units to be issued or in the determination or calculation of the equation by which the Fund's units are to be converted into cash. The Corporations have no liability in connection with the administration, marketing or offering of the Fund.

THE CORPORATIONS DO NOT GUARANTEE THE ACCURACY AND/OR UNINTERRUPTED CALCULATION OF THE NASDAQ-100 INDEX^® OR ANY DATA INCLUDED THEREIN, THE CORPORATIONS MAKE NO WARRANTY, EXPRESS OR IMPLIED, AS TO RESULTS TO BE OBTAINED BY TDAM, UNITHOLDERS OF THE FUND, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE NASDAQ-100 INDEX^® OR ANY DATA INCLUDED THEREIN, THE CORPORATIONS MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIM ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE WITH RESPECT TO THE NASDAQ-100 INDEX^® OR ANY DATA INCLUDED THEREIN. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT SHALL THE CORPORATIONS HAVE ANY LIABILITY FOR ANY LOST PROFITS OR SPECIAL, INCIDENTAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES, EVEN IF NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES.

The S&P 500 Index (the “Index”) is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by The Toronto Dominion Bank. S&P^® is a registered trademark of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones^® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and TSX^® is a registered trademark of TSX Inc. (“TSX”). These trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by The Toronto-Dominion Bank. TD U.S. Index Currency Neutral Fund and the TD U.S. Index Fund are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, TSX, any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices makes no representation or warranty, express or implied, to the owners of the TD U.S. Index Currency Neutral Fund or the TD U.S. Index Fund or any member of the public regarding the advisability of investing in securities generally or in the TD U.S. Index Currency Neutral Fund or the TD U.S. Index Fund particularly or the ability of the S&P 500 Index to track general market performance. S&P Dow Jones Indices’ only relationship to The Toronto-Dominion Bank with respect to the S&P 500 Index is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The S&P 500 Index is determined, composed and calculated by S&P Dow Jones Indices without regard to The Toronto-Dominion Bank or the TD U.S. Index Currency Neutral Fund or the TD U.S. Index Fund. S&P Dow Jones Indices have no obligation to take the needs of The Toronto-Dominion Bank or the owners of TD U.S. Index Currency Neutral Fund or the TD U.S. Index Fund into consideration in determining, composing or calculating the S&P 500 Index. S&P Dow Jones Indices are not responsible for and have not participated in the determination of the prices, and amount of the TD U.S. Index Currency Neutral Fund or the TD U.S. Index Fund or the timing of the issuance or sale of the TD U.S. Currency Neutral Fund or the TD U.S. Index Fund or in the determination or calculation of the equation by which the TD U.S. Currency Neutral Fund or the TD U.S. Index Fund is to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices have no obligation or liability in connection with the administration, marketing or trading of the TD U.S. Currency Neutral Fund or the TD U.S. Index Fund. There is no assurance that investment products based on the S&P 500 Index will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment advisor. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice.

S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY THE TORONTO-DOMINION BANK, OWNERS OF THE TD U.S. INDEX CURRENCY NEUTRAL FUND OR THE TD U.S.INDEX FUND, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND THE TORONTO-DOMINION BANK, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.

The S&P/TSX Composite Total Return Index (the “Index”) is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by The Toronto-Dominion Bank. S&P^® is a registered trademark of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones^® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and TSX^® is a registered trademark of TSX Inc. (“TSX”). These trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by The Toronto-Dominion Bank. The TD Canadian Index Fund are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, TSX, any of their respective affiliates (collectively, “S&P Dow Jones Indices”). S&P Dow Jones Indices makes no representation or warranty, express or implied, to the owners of the TD Canadian Index Fund or any member of the public regarding the advisability of investing in securities generally or in the TD Canadian Index Fund particularly or the ability of the S&P/TSX Composite Total Return Index to track general market performance. S&P Dow Jones Indices’ only relationship to The Toronto-Dominion Bank with respect to the S&P/TSX Composite Total Return Index is the licensing of the Index and certain trademarks, service marks and/or trade names of S&P Dow Jones Indices and/or its licensors. The S&P/TSX Composite Total Return Index is determined, composed and calculated by S&P Dow Jones Indices without regard to The Toronto-Dominion Bank or the TD Canadian Index Fund. S&P Dow Jones Indices have no obligation to take the needs of The Toronto-Dominion Bank or the owners of the TD Canadian Index Fund into consideration in determining, composing or calculating the S&P/TSX Composite Total Return Index. S&P Dow Jones Indices are not responsible for and have not participated in the determination of the prices, and amount of the TD Canadian Index Fund or the timing of the issuance or sale of the TD Canadian Index Fund or in the determination or calculation of the equation by which the TD Canadian Index Fund is to be converted into cash, surrendered or redeemed, as the case may be. S&P Dow Jones Indices have no obligation or liability in connection with the administration, marketing or trading of the TD Canadian Index Fund. There is no assurance that investment products based on the S&P/TSX Composite Total Return Index will accurately track index performance or provide positive investment returns. S&P Dow Jones Indices LLC is not an investment advisor. Inclusion of a security within an index is not a recommendation by S&P Dow Jones Indices to buy, sell, or hold such security, nor is it considered to be investment advice.

S&P DOW JONES INDICES DOES NOT GUARANTEE THE ADEQUACY, ACCURACY, TIMELINESS AND/OR THE COMPLETENESS OF THE INDEX OR ANY DATA RELATED THERETO OR ANY COMMUNICATION, INCLUDING BUT NOT LIMITED TO, ORAL OR WRITTEN COMMUNICATION (INCLUDING ELECTRONIC COMMUNICATIONS) WITH RESPECT THERETO. S&P DOW JONES INDICES SHALL NOT BE SUBJECT TO ANY DAMAGES OR LIABILITY FOR ANY ERRORS, OMISSIONS, OR DELAYS THEREIN. S&P DOW JONES INDICES MAKE NO EXPRESS OR IMPLIED WARRANTIES, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR AS TO RESULTS TO BE OBTAINED BY THE TORONTO-DOMINION BANK, OWNERS OF THE TD CANADIAN INDEX FUND, OR ANY OTHER PERSON OR ENTITY FROM THE USE OF THE INDEX OR WITH RESPECT TO ANY DATA RELATED THERETO. WITHOUT LIMITING ANY OF THE FOREGOING, IN NO EVENT WHATSOEVER SHALL S&P DOW JONES INDICES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES INCLUDING BUT NOT LIMITED TO, LOSS OF PROFITS, TRADING LOSSES, LOST TIME OR GOODWILL, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE. THERE ARE NO THIRD PARTY BENEFICIARIES OF ANY AGREEMENTS OR ARRANGEMENTS BETWEEN S&P DOW JONES INDICES AND THE TORONTO-DOMINION BANK, OTHER THAN THE LICENSORS OF S&P DOW JONES INDICES.

TD Guaranteed Investment Funds II ("TD GIF II") policies are Individual Variable Insurance Contracts issued by ivari^TM and are managed by TDAM. ivari is the issuer of the TD GIF II contract. As of March 11th, 2009, TD GIF II was closed to new policies and as of April 15th, 2009, all existing policies were closed to additional deposits.

A complete description of the key features of TD GIF II is contained in the TD GIF II Annuity Policy and Information Folder. In the event of any discrepancy between the Annuity Policy and Information Folder and this document, the Annuity Policy and Information Folder take precedence. Any amount that is allocated to a segregated fund is invested at the risk of the Contract Owner and may increase or decrease in value. When entering into an Individual Variable Insurance Contract, and purchasing TD GIF II, investors are depositing money to their contract and are not buying units of the TD Mutual Funds and therefore do not possess any of the rights and privileges of the unitholders of such funds. The performance of the TD GIF II will be slightly less than that of the underlying TD Mutual Funds due to the cost of the guarantee and benefit feature. Past performance is not indicative of future performance and investment returns will fluctuate. TD Mutual Funds are offered by TDAM, a wholly-owned subsidiary of The Toronto-Dominion Bank. ^TMivari and the ivari logos are trademarks of ivari Canada ULC. ivari is licensed to use such marks.

This information is not intended to be construed as an offer to sell or a solicitation to buy any securities or a solicitation to buy any securities or insurance products in Quebec.

Back to Product Information  

TD Insurance:

TD Insurance home & auto products underwritten by TD Home and Auto Insurance Company, TD General Insurance Company and Primmum Insurance Company and distributed by TD Insurance Direct Agency Inc. throughout Canada ;

TD Insurance Meloche Monnex program for members of professional and alumni groups underwritten by Security National Insurance Company and distributed by Meloche Monnex Financial Services Inc. in Ontario, by Meloche Monnex Insurance and Financial Services Inc. in Quebec and by TD Insurance Direct Agency Inc. in the rest of Canada

TD Insurance Meloche Monnex program for members of employer groups and other associations underwritten and Primmum Insurance Company and distributed by Meloche Monnex Insurance and Financial Services Inc. in Quebec and by TD Insurance Direct Agency Inc. in the rest of Canada

Back to Product Information

TD Insurance Home and Auto

TD Insurance home and auto products are underwritten by Primmum Insurance Company, TD Home and Auto Insurance Company and TD General Insurance Company and are distributed by TD Insurance Direct Agency Inc. throughout Canada. They are available in those jurisdictions where they may be legally offered.

Back to Product Information

TD Prime Rate

"Prime Rate" means the annual interest rate established and reported by TD to the Bank of Canada from time to time as a reference rate of interest for determination of interest rates TD charges to customers of varying degrees of creditworthiness in Canada for Canadian dollar loans made by TD in Canada.

Back to Product Information

UK and Europe Disclosure

The provision of information on this website should not be construed as constituting an offer or solicitation in any jurisdiction in the European Economic Area (EEA) in which such an offer or solicitation is not authorised or to any person in the EEA to whom it is unlawful to make such an offer or solicitation. Products and services of the TD Bank Group are only offered in those jurisdictions in the EEA in which they may be lawfully offered for sale. The Toronto-Dominion Bank, a Canadian chartered bank with a London branch office at 60 Threadneedle Street, London, EC2R 8AP, United Kingdom is authorised and regulated by the Office of the Superintendent of Financial Institutions, authorised in the United Kingdom by the Prudential Regulation Authority and subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. TD Bank Europe Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. TD Securities Limited is authorised and regulated by the Financial Conduct Authority. Visit the Financial Services Register at http://www.fsa.gov.uk/register/firmSearchForm.do for further information about the regulatory status of The Toronto-Dominion Bank, TD Bank Europe Limited or TD Securities Limited in the United Kingdom. VAT registration number: 397 1030 51.

Back to Product Information  

US Disclosure

This information is not to be construed as an offer to sell or a solicitation to buy any securities in the United States of America or the territories or possessions thereof. U.S. persons who wish to transact in securities should contact the nearest office of TD Securities (USA) LLC.

Back to Product Information  

I.  TD Bank USA PATRIOT Act Certification

Top  

J.  TD Bank, America’s Most Convenient Bank

TD Bank, America’s Most Convenient Bank means TD Bank, N.A. and is a member of TD Bank Group. In addition to banking products, the Bank and its subsidiaries provide clients with comprehensive wealth management services and insurance products and services.

Top  

K.  TD Insurance mobile Application Terms and Conditions

The following terms and conditions, and any amendments (the “Terms”) are a legal agreement between you (“you” or “your”) and TD Insurance (“TDI”, “we” or “us”) for your use of the TD Insurance Mobile Application (“Application”).

“TD Insurance” or "TDI" refers collectively to the following companies:

• Security National Insurance Company
• Primmum Insurance Company
• TD General Insurance Company
• TD Home and Auto Insurance Company
• TD Life Insurance Company

And the following brokers and Agencies:

• Meloche Monnex Financial Services Inc.
• Meloche Monnex Insurance and Financial Services Inc.
• TD Insurance Direct Agency Inc. and
• TD Assurance Agency Inc.

All of these companies are subsidiaries of The Toronto Dominion Bank and members of TD Bank Group.

It is important that you read and understand these Terms. By clicking the “I agree” button or by using the Application, you are taken to have read and agreed to these Terms. If you do not agree with these Terms, you must not use the Application. These Terms will apply every time you use the Application.

INFORMATION ABOUT THE TDI MOBILE APPLICATION

1. The Application is a tool that namely will enable you to use mobile devices (each a “Mobile Device”) to:
• Obtain information on our insurance products and services;
• Access insurance quoters;
• Record the details of an accident and submit your claim;
• Store a copy of your Auto Insurance certificate (Pink Card)
We may suspend, cancel or block your access to or use of the Application at any time and for any reason, without notice or liability to you.

TDI AGREEMENTS

2. The terms of the agreements that you entered into or may enter into with TD Insurance for a particular product or service, as such agreements are amended or replaced from time to time (the “TDI Agreements”) apply to your use of the Application. These Terms are in addition to and do not in any way amend or replace the TDI Agreements that apply to your particular product or service, unless we have specifically advised you in these Terms. Nothing in these Terms changes your responsibilities under the TDI Agreements. If there is a conflict between the terms of the TDI Agreements and these Terms, these Terms will apply but only to the extent of the conflict.

CARE AND CONTROL OF YOUR MOBILE DEVICE, TD INSURANCE MOBILE APPLICATION AND USER INFORMATION

3. You are responsible for the care and control of your Mobile Device and if applicable, password, passcode and verification questions and answers (“User Information”). You must take reasonable steps to safeguard and protect your Mobile Device and User Information.
   You must:
   
   • keep possession of the Mobile Device;
   • keep a lock screen or passcode lock (each a “Device Lock”) on your Mobile Device at all times;
   • keep your User Information separate from the Mobile Device;
   • keep your User Information strictly confidential and not share it with anyone;
   • take all reasonable precautions to ensure that no one finds out your User Information, including while you key in User Information on your Mobile Device;
   • avoid User Information and Device Locks that may be easily determined by others, such as birthdays, phone numbers, age, social insurance number, etc.; and
   • ensure that each password or other identifier is unique.

DISPOSING OF YOUR MOBILE DEVICE

4. Before you sell, give away, or dispose of your Mobile Device or SIM Card, you must ensure that all personal information stored in the Application is deleted.
   

RESPONSIBILITY FOR YOUR MOBILE DEVICE AND TO YOUR MOBILE DEVICE PROVIDER

5. You are solely responsible for: (i) acquiring any hardware, device, wireless or Internet access required for you to use the Application; and (ii) any fees or other charges imposed by your Mobile Device provider, wireless services carrier or Internet service provider. It is your responsibility to determine if your Mobile Device provider, wireless services carrier or Internet service provider supports the Application or if your Mobile Device is capable of accessing the Internet.

6. You acknowledge that these Terms are between you and TD Insurance and not with the app store provider (i.e. Research In Motion E-Commerce Inc. (Blackberry), Google Inc. or Apple Inc.). You agree that the app store provider: (a) is not liable to you in any way whatsoever for the distribution, use, performance or non-performance of the Application; (b) has no obligation whatsoever to furnish any maintenance and support services to you with respect to the Application; (c) is not responsible for addressing any claims you may have relating to the Application or your possession or use of the Application; (d) is not responsible for any third party claims that the Application or your possession or use of the Application infringes that third party’s intellectual property rights; and (e) is a third party beneficiary to these Terms solely in respect of this Section 6.

INSTALLING AND USING MODIFICATIONS TO THE APPLICATION

7. If we upgrade, update or modify the Application (including bug fixes, patches and new versions provided to you, the “Modifications”), you may be required to promptly install and use the Modifications in order for you to be able to continue to access and use the Application. TD Insurance may provide you with prior notice of the Modifications. However, if the Modifications are for the proper functioning of the Application, or safety or security of the Application or any systems or networks, TD Insurance may not provide you with prior notice. TD insurance is under no obligation to make Modifications.

LICENSE GRAN

8. You are granted a limited, revocable, non-transferable, non-exclusive license to use the Application on a Mobile Device that you own or control. TD Insurance can terminate this license at any time and with or without any reason. The Application is licensed, not sold, to you. You must not rent, lease, lend, sell, redistribute or sublicense the Application. You agree that TD Insurance retains all right, title and interest in and to the Application including copies and portions of it. You may not decompile, reverse engineer, disassemble, attempt to derive the source code of, modify, or create derivative works of, the Application or any part of it. You may not use the Application for any purpose that is illegal, fraudulent or infringes another person’s rights. You agree to comply with any other requirements, restrictions or limitations provided by TD Insurance upon notice to you. You further agree to comply with any requirements, restrictions or limitations provided by a third party (including the app store provider, your Mobile Device provider or your wireless services carrier) relating to your use of the Application.

SUBMISSIONS

9. If you want to submit ideas, suggestions or materials to TD Insurance regarding the Application (or any other particular product or service offered by TD Insurance (“Submissions”), through any means whatsoever, you grant to TD Insurance and its contractors and third party service providers an unrestricted, irrevocable, transferable, non-exclusive, perpetual, worldwide license to use, copy, sell, disclose or publish the Submissions for any purpose whatsoever (including developing and marketing products, services or content using the Submissions), and without any requirement for us to provide you with any credit, notice, approval or compensation for any such use. You waive your moral rights in the Submissions.
   

POSSIBLE EFFECTS OF INSTALLATION, REMOVAL OR USAGE OF THE APPLICATION AND DISCLAIMER OF DAMAGES AND WARRANTY

10. BY USING THE APPLICATION ON YOUR MOBILE DEVICE, IT IS POSSIBLE THAT THE WARRANTIES COVERING YOUR MOBILE DEVICE ARE VOIDED, THAT YOUR MOBILE DEVICE MAY BE DAMAGED, THAT DATA STORED IN YOUR MOBILE DEVICE MAY BE CORRUPTED, AND THAT YOU OR YOUR PROPERTY MAY BE DAMAGED. YOU AGREE THAT YOUR USE OF OR INABILITY TO USE THE APPLICATION IS AT YOUR SOLE RISK. THE APPLICATION IS PROVIDED "AS IS" AND "AS AVAILABLE" FOR YOUR USE, WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR COLLATERAL, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABLE QUALITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT.

LIMITATION OF LIABILITY

11. YOU AGREE THAT TO THE EXTENT NOT PROHIBITED BY LAW, IN NO EVENT WILL TD INSURANCE AND ITS OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, AGENTS AND SUBCONTRACTORS BE LIABLE FOR ANY DAMAGES (INCLUDING INCIDENTAL, SPECIAL, INDIRECT, CONSEQUENTIAL OR PUNITIVE DAMAGES, DAMAGES FOR LOSS OF PROFITS, REVENUE, OPPORTUNITY, LOSS OF DATA OR BUSINESS INTERRUPTION), ARISING OUT OF OR RELATED TO YOUR USE OR INABILITY TO USE THE APPLICATION, HOWEVER CAUSED.

IF YOU HAVE A PROBLEM OR CONCERN

12. If you have a problem or concern you may call us toll free at 1-877-734-1288 . For a more detailed overview of our complaint process visit us at http://www.tdinsurance.com/customer-service/problem-resolution/problem-resolution.jsp.

13. If you have a complaint regarding a potential violation of a consumer protection law, a public commitment, or an industry code of conduct, you can contact the Financial Consumer Agency of Canada (FCAC) in writing at 6th Floor, Enterprise Building, 427 Laurier Ave. West, Ottawa, Ontario, K1R 1B9. The FCAC can also be contacted by telephone at 1-866-461-3222 (en français 1-866-461-2232 ) or through its website at www.fcac-acfc.gc.ca. Please note that the FCAC does not become involved in matters of redress or compensation.

TERMS DRAWN UP IN ENGLISH

14. It is the express wish of the parties that these Terms and any directly or indirectly related documents be drawn up in English. Les parties ont exprimé la volonté expresse que les présentes modalités et tous les documents s’y rattachant directement ou indirectement soient rédigés en anglais.
    

15. We may add to or change the provisions of these Terms at any time. We will notify you of any additions or changes to these Terms by posting the notice on www.td.com/to-our-customers/index.jsp or we may choose to send you notice of those additions or changes by other means. Once we provide you with notice, the Terms are amended and you accept the changes as of the effective date of the notice. If you do not agree with these Terms, as amended, you must not use the Application. You may review the most current version of the Terms at any time at www.td.com/to-our-customers/index.jsp or by selecting the “Legal” link at the bottom of the screen.

PRIVACY NOTICE

16. For the purposes of the Application, TD Insurance will collect information you provide to us including, IP address, geolocation (if enabled on your device), photos you selected in your mobile device photo gallery Photos (if enabled on your device) and other information arising from your use of the Application (collectively called “Mobile Data”).