MANDATORY INFORMATION

The website www.merici.com is a service provided by the company: Merici Financial Services Inc., registered with the Autorité des marchés financiers under registration number 509919. 

Address: 31 King West, Sherbrooke, Quebec, J1H 1N5, Office 202.

Email: info@merici.com

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These general terms and conditions of use aim to provide legal framework for the terms of provision of services on the website and their use by the "User." The general terms and conditions of use must be accepted by any User wishing to access the website. They constitute the contract between the website www.merici.com and the User. Accessing the website by the User implies their acceptance of these general terms and conditions of use. In case of non-acceptance of the general terms and conditions of use stipulated in this contract, the User must refrain from accessing the services offered by the website. Merici Financial Services Inc. reserves the right to unilaterally and at any time modify the content of these general terms and conditions of use.

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DEFINITIONS

This clause aims to define the different essential terms of the contract:

User: This term refers to any person who uses the website or any of the services offered by the website.

User Content: These are the data transmitted by the User within the website.

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Hosting The website is hosted by Wix, a top North American company known for its reliable equipment and high-quality service. The site is secured with the use of a valid private SSL certificate from a reputable provider. 

 

TERMS OF USE

This site has been optimized for current versions of web browsers such as Mozilla Firefox, Internet Explorer, Edge, Google Chrome, and Safari.

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The website www.merici.com is generally accessible to users 24/7, except for scheduled or unscheduled interruptions for maintenance purposes or in cases of force majeure. In the event of service unavailability, Merici Financial Services Inc. undertakes to make every effort to restore access to the service and will strive to communicate the intervention dates and times to users in advance. As we are only bound by an obligation of means, Merici Financial Services Inc. or any of its shareholders or employees cannot be held responsible for any damages, regardless of their nature, resulting from service unavailability.

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The website allows the User free access to the following services:

Articles and informational videos;

The website is accessible free of charge to any User with Internet access from anywhere. All expenses incurred by the User to access the service (computer equipment, software, Internet connection, etc.) are their responsibility. The information contained on this website is intended solely for residents of Quebec, Canada.

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TERMS OF USE

Merici Financial Services Inc. operates the Site from its offices located in Canada. Merici Financial Services Inc. makes no representation that elements of the Site may be used in locations other than Canada, and it is prohibited to access the Site from territories where legislation would deem the content or use of the Site illegal. Those who choose to use the Site do so at their own initiative, and it is their responsibility to comply with all applicable local laws. Any claim relating to the Site and its contents, or arising from the use of the Site, shall be governed by the applicable laws within the province of Quebec.

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LIABILITY

Merici Financial Services Inc. strives to provide information that is as accurate as possible, and the sources of information disseminated on the site are deemed reliable. However, the site cannot be held responsible for omissions, inaccuracies, and deficiencies in updates, whether they are of its own making or the result of third-party partners providing such information. The information provided on the site is purely for informational purposes. Therefore, the User alone assumes full responsibility for the use of the information and content on this site.​

The Site does not provide accounting, tax, or legal advice.The content of the Site is for informational purposes only and is not intended to replace professional advice directly from a financial security advisor. Always seek the advice of your financial advisor after reading information on the Site to determine how it may apply to your particular situation.It is at your own risk that you rely on any information provided by the Site, by our employees, by individuals invited by Merici Financial Services Inc. to appear on the Site, or by any other visitor of the Site.

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Hypertext links and third-party references: The Site contains numerous outgoing hypertext links; however, the web pages to which these links lead are beyond the control and responsibility of Merici Financial Services Inc. Therefore, the User agrees not to hold the Site liable for the content and resources related to these outgoing hypertext links.

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COMPLAINT

Summary of Complaint Handling Procedure Customer concerns are taken seriously by Merici Financial Services Inc. When a customer has concerns or questions regarding their account, they should promptly contact their representative. Representatives strive to provide a high level of service to their clients and will work closely with them and Merici Financial Services Inc. to address their concerns. For clients who remain unsatisfied, Merici Financial Services Inc. has implemented procedures to fairly and promptly address verbal and written complaints received from its clients. This document provides a summary of these procedures, which is provided to new clients and clients who file a complaint.

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How to File a Complaint with Merici Financial Services Inc.

Complaint Handling Procedures: 

To get in touch with Merici Financial Services Inc., please use the following contact information:

• Email : info@merici.com

• Phone : 1 866 829-5590

• Website : www.merici.comst you wth y inquiries or concerns you may have.

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Customer Complaint Information Form

We also provide new clients and clients who submit a complaint with a document titled "Customer Complaint Information Form," which contains general information on various methods of filing a complaint.

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How to File a Complaint with Merici Financial Services Inc.

Clients wishing to file a complaint with Merici Financial Services Inc. should submit their complaint to our head office by calling our Customer Service at 1-866-829-5590 and requesting to speak with a Dispute Resolution Advisor, or by writing to 31 King West, Sherbrooke, Quebec, J1H 1N5, Office 202.

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Complaint Handling Procedures

We acknowledge receipt of complaints promptly, usually within five business days. This summary and the Customer Complaint Information Form will be enclosed with our acknowledgement of receipt. We review all complaints fairly, considering all statements and relevant documents obtained from the client, our records, the representative, other individuals within our company, and any other relevant sources.

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Once our review is complete, we will send a written response to the clients. Our response may include a settlement offer, the rejection of the complaint with supporting reasons, or any other appropriate response. The response will summarize the complaint, outline the findings of our investigation, and remind the client of the option to contact the Ombudsman for Banking Services and Investments (OBSI). Generally, our response will be sent to clients within 90 calendar days unless we are awaiting additional information from them or if the case is unprecedented or highly complex. We will address any communications received from clients after the date of our response as necessary to implement the resolution or address any new issues or information provided by them.

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Settlements: If we offer a financial settlement to a client, we may ask them to sign a release and waiver for legal purposes. Contacting Merici Financial Services Inc.: Clients can reach out to us at any time for additional information or to inquire about the status of their complaint. It is recommended to contact the person responsible for handling their complaint or the Dispute Resolution Advisor through our Customer Service at 1-866-829-5590.

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Intellectual Property

Trademarks, logos, signs, and all other content on the website are protected by copyright. The User must seek prior authorization from Merici Financial Services Inc. for any reproduction, publication, or copying of the various contents. The User agrees to use the website's content strictly for private purposes. Any use of the content for commercial purposes is strictly prohibited.

 

Any content uploaded by the User is their sole responsibility. The User agrees not to upload any content that may infringe upon the interests of third parties. Any legal action taken by an aggrieved third party against the website will be the User's responsibility. The website reserves the right to delete or modify User-generated content at any time and for any reason, without prior justification or notification to the User.

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CONTRACTUAL CHANGES

Merici Financial Services Inc. reserves the right to modify the clauses stated in this contract at any time.

 

DURATION

The duration of this contract is indefinite. The contract takes effect for the User upon the use of the service.

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INTERPRETATION

The User acknowledges and agrees to the regulations and all the clauses mentioned above. APPLICABLE LAW Both this website and the terms and conditions of its use are governed by Quebec and Canadian laws, regardless of the place of use. In the event of any dispute, and after the failure of any attempt to seek an amicable resolution, the Quebec/Canadian courts shall have exclusive jurisdiction over the dispute. For any questions regarding these terms of use of the website, you can write to us at the address provided in the website's contact form: Contact Merici Financial Services Inc. Merici Financial Services Inc. places great importance on respecting your security and privacy, particularly with regards to any personal information you may provide us.

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