Introduction
Please read these Terms and Conditions carefully before using the services of D.W. Good Investment Company Ltd. By accessing our website or engaging our advisory and investment services, you agree to be bound by the terms set out below.
1. About DW Good Investments
D.W. Good Investment Company Ltd. (“DW Good”, “the Company”, “we”, “us”, or “our”) is a registered mutual fund dealer incorporated in Alberta, Canada, in 1996. We are a member of the Canadian Investment Regulatory Organization (CIRO) and are licensed to provide mutual fund dealing services in Alberta, British Columbia, and Ontario.
Our registered office is located at:
Suite 256, Bonnie Doon Shopping Centre
82nd Avenue & 83rd Street
Edmonton, Alberta, T6C 4E3
These Terms and Conditions govern your use of our website at dwgood.com and your engagement with our investment and financial advising services.
2. Acceptance of Terms
By using our website, submitting a contact form, opening an account, or engaging our advisory services, you confirm that you have read, understood, and agree to be bound by these Terms and Conditions, together with our Privacy Policy, which is incorporated by reference.
If you do not agree to these terms, you should not use our website or engage our services.
We reserve the right to update these terms at any time. Continued use of our services following the posting of changes constitutes your acceptance of the revised terms.
3. Nature of Our Services
DW Good Investments provides independent financial advisory and mutual fund dealing services to individual and corporate clients. As an independent firm not affiliated with any bank, trust company, or insurance company, we are able to recommend financial products from a range of providers based solely on your best interests.
Our services may include:
- Mutual fund selection and portfolio recommendations
- Asset allocation and investment strategy planning
- Retirement and estate planning guidance
- Registered account management (RRSP, TFSA, RESP, RRIF)
- Corporate investment and financial advising services
- Employee financial wellness programs
- Divorce and life transition financial advising
All services are provided subject to the completion of a Know Your Client (KYC) assessment and a written advisory agreement.
We do not provide advice on individual stocks, bonds, options, or other securities outside the scope of our registration.
4. Important Investment Disclosures
Risk Disclosure:
Investing in mutual funds involves risk, including the possible loss of principal. Past performance is not indicative of future results. The value of your investments can go up or down, and there is no guarantee that any investment strategy will achieve its objectives. You should carefully consider your investment objectives, risk tolerance, time horizon, and financial circumstances before investing.
Nothing on our website constitutes personalized investment advice. All content is for informational purposes only. Personalized advice is provided only through a formal advisory relationship established with a registered representative of DW Good Investments following a suitability assessment.
We are compensated through trailer fees (also known as service fees or ongoing commissions) paid by mutual fund companies from the management expense ratio (MER) of the funds held in your account. This compensation structure is fully disclosed in our Fund Facts documents and Relationship Disclosure Information.
5. Client Obligations
As a client or prospective client of DW Good Investments, you agree to:
- Provide accurate, complete, and current information when requested for KYC and account opening purposes
- Notify us promptly of any changes to your financial situation, investment objectives, or personal circumstances
- Review all account statements, confirmations, and disclosure documents provided to you and notify us of any errors or discrepancies within 30 days of receipt
- Not use our services for any unlawful purpose, including money laundering, tax evasion, or the financing of illegal activities
- Keep your account login credentials confidential and notify us immediately if you suspect unauthorized access
6. Website Use & Intellectual Property
The content of our website, including text, graphics, logos, and images, is the property of D.W. Good Investment Company Ltd. and is protected by applicable Canadian copyright and intellectual property laws. You may access and use our website for personal, non-commercial purposes only.
You agree not to:
- Copy, reproduce, or redistribute any website content without our prior written consent
- Use our website in any manner that could damage, overburden, or impair its operation
- Attempt to gain unauthorized access to any portion of our website or systems
- Use automated tools to scrape, crawl, or extract data from our website
We make reasonable efforts to ensure the accuracy of information on our website, but we do not warrant that all content is current, complete, or free from errors. Website content may be changed without notice.
7. Third-Party Links
Our website may contain links to third-party websites including mutual fund company portals, regulatory bodies such as CIRO, and financial news sources.
These links are provided for convenience only. DW Good Investments does not endorse, control, or assume responsibility for the content or practices of any third-party websites.
We encourage you to review the privacy policies and terms of use of any external sites you visit.
8. Limitation of Liability
To the fullest extent permitted by applicable law, DW Good Investments and its advisors, employees, and officers shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of our website, reliance on information provided therein, or from investment losses resulting from market fluctuations beyond our reasonable control.
Our liability in connection with the provision of advisory services is governed by the advisory agreement entered into between you and your registered representative and applicable CIRO regulations.
Nothing in these terms limits liability that cannot lawfully be excluded, including liability arising from our own negligence or misconduct.
9. Regulatory Compliance & Complaints
DW Good Investments is committed to fair, transparent, and compliant conduct. We are regulated by the Canadian Investment Regulatory Organization (CIRO), formerly the Mutual Fund Dealers Association of Canada (MFDA).
If you have a concern or complaint about our services, we encourage you to contact us directly in the first instance.
If your complaint is not resolved to your satisfaction, you may escalate it to:
- The Canadian Investment Regulatory Organization (CIRO) at ciro.ca
- The MFDA Investor Protection Corporation (IPC) for coverage of client assets
- The Ombudsman for Banking Services and Investments (OBSI) for unresolved disputes
Our complete complaints handling procedure is available upon request or on our website under Forms & Complaints.
10. Termination of Services
Either party may terminate the advisory relationship by providing written notice.
Upon termination, we will take reasonable steps to transfer your accounts and records in an orderly manner.
Any fees or commissions accrued prior to termination remain payable.
We reserve the right to terminate or suspend access to our website or services at any time if we reasonably believe there has been a breach of these terms or applicable law.
11. Governing Law
These Terms and Conditions are governed by and construed in accordance with the laws of the Province of Alberta and the federal laws of Canada applicable therein.
Any dispute arising from or relating to these terms shall be subject to the exclusive jurisdiction of the courts of Alberta, without prejudice to any right to escalate regulatory matters to CIRO or other applicable regulatory bodies.
Contact Information
D.W. Good Investment Company Ltd.
Suite 256, Bonnie Doon Shopping Centre
82nd Avenue & 83rd Street
Edmonton, Alberta T6C 4E3
Phone: (780) 433-5449
Toll-Free: 1-888-461-9599