Your Agreement to Terms of Use. This website (the “Site”) is operated by OPM Global LP (“we”, “us” or “our”). The Site provides articles, publications, information, events, data and/or other materials (the "Content"). The Site is made available to you subject to your compliance with these terms and conditions of use and the terms and conditions of our Privacy Policy (collectively, the "Terms"). By accessing or using the Site, you agree to be bound by, and comply with, the Terms and represent that you understand and agree to the Terms. If you do not agree to be bound by, and comply with, the Terms, you are not permitted to access or use the Site.

Modifications. We reserve the right to modify the Terms at any time. You should review the Terms regularly. By accessing or using the Site after any such modifications, you agree to be bound by, and comply with, the Terms then posted. If any modification is not acceptable to you, you must cease accessing and using the Site.

No Solicitation. The Site is only intended to provide you with general information and is neither an offer to sell nor a solicitation of an offer to purchase any security and may not be relied upon for investment purposes.

Independent Legal, Accounting, Financial and Tax Advice. Any commentaries and information contained in the Site should not be considered personal investment advice. Information on the Site is not intended to provide legal, accounting, financial or tax advice, and should not be relied upon in that regard.

Permitted Uses. We grant to you a limited licence to display on your computer, print, download and use the underlying HTML, text, audio clips, video clips and other content that is made available to you on the Site, for non-commercial, personal, or educational purposes only. No other use is permitted. Without limiting the generality of the foregoing, you may not:

• make any commercial use of such content;

• include such content in or with any product that you create or distribute; or

• copy such content onto your or any other website.

Notwithstanding the above, nothing contained in this licence shall be construed as conferring any right under any copyright of ours or any other person who owns the copyright in Content provided on the Site.

Currency of Content. The Content is provided solely for informational purposes. The Content is current as of the date of first publication but may no longer be accurate.

Linking. Where you provide a link to the Site from another website, we reserve the right to require you to disable such link. The Site may, for convenience, provide links to websites of other parties. The content in any website to which the Site provides a link is not provided by us, or under our control, and if you choose to access any such website, you do so entirely at your own risk. We do not endorse any content contained on any website that links to, or may be linked from, the Site or provide any representation, warranty or guarantee regarding the quality, accuracy, reliability, completeness, currency, timeliness, non-infringement, or fitness for any purpose of any such website or the content thereon.

No Endorsement. No endorsement of any third party products or services is expressed or implied by any information, material or content referred to or included on, or linked from or to the Site.

Copyright of OPM Global LP. All Content, including all (i) text, data and other literary works; (ii) logos, designs, graphics, images, photographs, artwork and other artistic works; (iii) musical works and other sounds; (iv) videos and all audio-visual works; (v) performances; (vi) other materials; (vii) selections, arrangements, compilations, modifications and enhancements of all of the foregoing; (viii) software, including program code that may execute on the Site’s servers or that may be embedded or be downloadable from individual webpages on the Site; and (ix) the architecture and layout of the Site and webpages thereon, is protected by copyright owned by, or licensed to, us.

Trademark. References to “OPMX” and the Content provided on the Site are protected by trademark and copyright law, as applicable.

No Warranties. We do not warrant the quality, accuracy or completeness of any information on the Site. Such information is provided "as is" without warranty or condition of any kind and without any representations, warranties or conditions of any kind, whether expressed or implied, and including without limitation implied representations, warranties or conditions of title, non-infringement, merchantability, fitness for a particular purpose, performance, durability, availability, timeliness, accuracy, or completeness, all of which are hereby disclaimed by us to the fullest extent permitted by law. The Site may include inaccuracies or typographical errors. In no event shall we be liable for any damages whatsoever, including special, indirect or consequential damages, arising out of or in connection with the use or performance of information available on the Site.

Severability. If any provision of the Terms is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed to be severed from the rest of the Terms and shall not affect the validity and enforceability of any remaining provisions.

Governing Law. The Terms are governed by the laws of Ontario and the laws of Canada applicable therein, excluding any conflict of laws which would lead to the application of any other laws. By accessing the Site, you hereby irrevocably submit and attorn to the provincial and federal courts located in the City of Toronto, Ontario for any disputes or matters arising from, connected with, or relating to the Site, this agreement or any related matters.