By accessing this website and its contents (this “Website”), you acknowledge that you have read, understood and agree to be bound by the terms of use set out below (the “Terms of Use”). If you do not agree with the Terms of Use, do not access this Website. The Terms of Use are in addition to any customer agreements you may have with us.

Coastal Community Private Wealth Group™

Coastal Community Private Wealth Group™ is a division of Coastal Community Financial Management Inc. (“CCFMI”) and the wealth management and investment brokerage services described on this Website are provided by CCFMI. All investment brokerage services are provided by CCFMI through Credential Securities (“CS”), a division of Credential Qtrade Securities Inc. (“CQSI”), Credential Securities is a subsidiary of Aviso Wealth Inc. (“AWI”). Insurance brokerage services described on this Website are provided by Coastal Community Insurance Services (2007) Ltd. (“CCIS”), except for life and health insurance brokerage services, which are provided by CCFMI. All banking services are provided through Coastal Community Credit Union (CCCU)..

On this website, “Coastal Community Group” means CCFMI, CCIS, CCCU and their respective subsidiaries, affiliates and business partners, including CS and AWI, and each of their respective officers, directors, employees and agents.

Internet Communications

PLEASE BE ADVISED THAT TRADING INSTRUCTIONS SHOULD NOT BE COMMUNICATED VIA E-MAIL, AND IF RECEIVED WILL NOT BE ACTED UPON. The Internet is not a secure medium and Internet communication is vulnerable to interception and forging. The Coastal Community Group cannot ensure the privacy and authenticity of any information and will not accept any instructions that you send to us over the Internet. The Coastal Community Group will not be responsible for any damages you may incur if you communicate confidential information to us over the Internet or if the Coastal Community Group communicates such information to you at your request.


You agree that you are solely responsible for the confidentiality and security of your login names, account numbers and passwords (including both your account and trading passwords). You agree to keep your passwords secure and to not disclose your passwords to any person. You further agree that you are responsible for all orders entered through and under your login names, passwords, and account numbers and any orders received by the Coastal Community Group in this manner are deemed to have been received from you. All orders shall be deemed to be made at the time received by Coastal Community Group and in the form received.

No Advice

The information provided on this Website is intended for informational purposes only and is not intended to constitute financial, investment, accounting, legal or tax advice and may not be relied upon in that regard. Many factors unknown to us may affect the applicability of any statement or comment made on this Website to your particular circumstances. You should consult directly with a Coastal Community Private Wealth Group™ professional or your other advisors before acting on any information on this Website.

Accuracy & Changes

Although considerable care has been taken in preparing and maintaining the information contained on this Website, the information may contain inaccuracies, typographical errors or out-of-date information. Changes may be made at any time to the information on this Website without prior notice. Please consult Coastal Community Private Wealth Group™ for complete and up-to-date information on products and services.


*Online brokerage services are offered through Qtrade Investor. Mutual funds, other securities and securities related financial planning services are offered through Credential Securities. Qtrade Investor and Credential Securities are divisions of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual funds, other securities and cash balances are note covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds and other securities are note guaranteed, their values change frequently and past performance may not be repeated.


The Coastal Community Group does not warrant the accuracy, completeness, quality, adequacy or content of any information on this Website. Such information is provided “as is” without representation, warranty or condition of any kind, either express or implied, concerning the adequacy or content of any such information or the use thereof.

The Coastal Community Group will not be responsible or liable for any representation, warranty or condition resulting from the use of or misuse of or inability to access or use this Website, or the information, documents, software or content thereof, even if advised of the possibility of such damages or such damages are reasonably foreseeable. Without limiting the foregoing, all express or implied, direct or indirect, representations, warranties and conditions in respect of the information on the Website arising or implied by statute, common law, custom, usage of trade, course of performance, course of dealing or otherwise, including, but not limited to, any warranties on conditions of merchantable quality and fitness for a particular purpose, special, incidental, or consequential damages, losses or expenses or any other damages whatsoever, however caused, resulting from use of the use of such information, including, without limitation, lost revenues, lost profits, loss of prospective economic advantage, business interruption or any other pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action are expressly excluded.

Warning Regarding Volatile Markets

You may experience delays in the processing of a market order placed through a brokerage service during a period of market volatility or high trading volume, which may expose you to the risk of trade execution at a market price that is significantly different from the market price of the security at the time the order was placed. Once an order is placed, it may be difficult or impossible to cancel the order before the order is executed. In such circumstances, the Coastal Community Group and Credential Securities bears no responsibility to you for the discrepancy between the market price of the security at the time of order placement and the market price of the security at the time of trade execution.

No Solicitation

Nothing on this Website constitutes a solicitation or offer by the Coastal Community Group or Credential Securities to buy or sell products or services of any kind whatsoever including without limitation securities or any other financial instrument of any issuer.

Applicable Agreements

All products and services offered by the Coastal Community Group are offered for sale subject to the terms of the applicable agreements. Please consult Coastal Community Private Wealth Group™ for complete and up-to-date information on products and services.

Applicable Jurisdiction

The information on this Website is intended for use solely by persons resident in jurisdictions where Coastal Community Private Wealth Group™ operates. Any products or services mentioned on this Website are made available only in accordance with local law (including applicable securities laws) and only where they may be lawfully offered for sale.

Hyperlinks Are Not Endorsements

Links to other websites or references to products, services or publications other than those offered by the Coastal Community Group on this Website do not imply the endorsement or approval of such websites, products, services or publications by the Coastal Community Group. The Coastal Community Group makes no representations whatsoever about any other website which you may access through this Website. When you access a non-Coastal Community Group website, please understand that it is independent from the Coastal Community Group, and that the Coastal Community Group has no control over the content on that website.

Materials to be Consulted in their Entirety

All materials on this Website are meant to be reviewed in their entirety, including any footnotes, disclaimers, restrictions, disclosures, and any copyright or proprietary notices. Any disclaimers, restrictions, disclosures or notices apply to any partial document or material in the same manner as they do the whole, and will be deemed incorporated in the portion of any material or document that you consult or download.


Certain names, words, titles, phrases, logos, icons, graphics or designs found on this Website (or other websites accessed from this Website) may constitute trade names, trademarks or service marks, either registered or unregistered of the Coastal Community Group (the “Trademarks”) and the Coastal Community Group either owns, or has obtained the consent to use, the intellectual property rights in the underlying HTML, text, images, audio clips, video clips, software and other content that is made available to you on this Website (the “Website Material”).

The display of the Trademarks on the Website does not imply that any license has been granted to any third party. The Website Material is protected under the copyright laws of Canada and other countries.

Coastal Community Private Wealth Group™ grants to you a limited license to print the Website Material solely for your own personal, non-commercial use, provided that you do not modify the Website Material and that you do not delete any of the proprietary notices.

Any unauthorized downloading, retransmission, or other copying or modification of the Trademarks, the Website Material or other contents of this Website may be a violation of statutory or common law rights which could subject the violator to legal action.