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References in this Web site to third party goods or services should not be regarded as an endorsement of these goods or services.

This Web site is intended for Canadian residents only and the information contained herein is subject to change without notice. The owner of this Web site is not liable for any inaccuracies in the information provided.

*No Advice and No Warranties

This website is provided "as is" without any representations or warranties, express or implied. Horizons Financial Services Inc. makes no representations or warranties in relation to this website or the information and materials provided on this website. Without prejudice to the generality of the foregoing paragraph, Financial Services Inc. does not warrant that:this website will be constantly available, or available at all; or the information on this website is complete, true, accurate or non-misleading.

Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any financial or investing you should consult an appropriate professional.

*Commissions, trailing commissions, management fees and expenses may all be associated with investments. Please read the prospectus before investing. Funds are not guaranteed, their values change frequently and past performance may not be repeated.Funds are sold exclusively by fund representatives who are licensed by Provincial regulators and registered with Financial Services Inc. (). does not provide or distribute any advice or product other than those that are directly related to the sale of funds. Any representative who provides or offers other advice or services must hold the necessary licenses and deal with entities (other than ) that are duly registered with the competent authorities.Investors should inform themselves regarding securities, taxation or exchange control legislation, which may affect them personally.