--- title: "Terms and Conditions of Website Use | Vincenzo Pace" description: "Terms for using vincenzopace.ca: site content is general information and not personalized advice, plus SMS alert terms, opt-out steps and Quebec law." canonical: https://www.vincenzopace.ca/terms-and-conditions lang: en-CA --- Legal · Website # Terms and Conditions These terms govern your use of the vincenzopace.ca website. Please read them carefully before using the website, sending us a message or subscribing to our SMS alerts. Last Updated: September 17, 2026 Contents ## 1. Acceptance of These Terms These Terms and Conditions (the "Terms") govern your access to and use of www.vincenzopace.ca (the "website"). By browsing the website, submitting a form, subscribing to our SMS alerts or otherwise using the website, you agree to these Terms and to our [Privacy Policy](https://www.vincenzopace.ca/privacy-policy). If you do not agree, please do not use the website. ## 2. Who We Are In these Terms, "we", "us" and "our" refer to the practice of Vincenzo Pace, an Investment Advisor registered with Manulife Wealth Inc. and a Financial Security Advisor with Manulife Wealth Insurance Services Inc., working from 1405 Trans-Canada, Suite 200, Dorval, Quebec H9P 2V9. This website is published by the practice to describe the services offered through it. It is not a website of Manulife Wealth Inc., Manulife Wealth Insurance Services Inc., Manulife Bank of Canada or any other Manulife company, and those companies are not responsible for its content. ## 3. General Information, Not Advice Everything on this website, including page copy, service descriptions, examples and answers to frequently asked questions, is provided for general information only. **Nothing on this website is investment, insurance, tax, legal or accounting advice, and nothing on it is a recommendation to buy, hold or sell any security, fund or insurance product.** The content does not take your objectives, financial situation, income, risk tolerance, time horizon or personal circumstances into account. Nothing on this website is an offer to sell or a solicitation to buy any security or insurance product in any jurisdiction where such an offer or solicitation would be unlawful, or to any person to whom it would be unlawful to make it. Using the website, submitting a form, sending us an email, texting us or booking and attending an introductory meeting does not create an advisor and client relationship. We give advice only once you have formally engaged us, once we have gathered the information we need to assess whether a recommendation is suitable for you, and through the accounts, products and documentation opened in your name with Manulife Wealth Inc. or Manulife Wealth Insurance Services Inc. Please speak with us, or with another qualified professional, before acting or deciding not to act on anything you read here. Tax and regulatory rules change often, and content that was accurate when it was published may no longer be current. ## 4. No Guarantee of Results Investing involves risk, including the possible loss of the amount you invest. Nothing on this website is a promise, projection or guarantee of any particular result, return, income, tax outcome or level of protection. Past performance does not indicate future results. Any rate of return, tax rate, dollar amount or time period shown on this website, including worked examples, charts and illustrations, is hypothetical, is used only to illustrate a concept, and is not a forecast of what any account, portfolio or policy will actually earn or pay. Insurance coverage, benefits, premiums, exclusions and eligibility are determined by the insurer and by the wording of the contract issued to you, not by anything described on this website. ## 5. Our Relationship with Manulife Which company you deal with depends on the product or service, as set out in the disclaimer shown at the foot of this page and repeated here: Investment dealer dealing representatives ("Investment advisors") registered with Manulife Wealth Inc. offer stocks, bonds and mutual funds. Insurance products and services are offered through Manulife Wealth Insurance Services Inc. Banking products and services are offered by referral arrangements through our related company Manulife Bank of Canada. Additional disclosure information will be provided upon referral. Please confirm with your Advisor which company you are dealing with for each of your products and services. Please confirm with us which company you are dealing with for each product and service. Your accounts, policies and referrals are governed by the agreements, application forms, policy contracts, disclosure documents and relationship disclosure information provided to you by the company concerned. The banner at the foot of every page links to the Canadian Investment Regulatory Organization (CIRO), to the CIRO Advisor Report and to the Canadian Investor Protection Fund (CIPF). Those organizations are independent of this practice. The registration details they publish, and the coverage that CIPF describes, are set out on their own websites and are subject to their own terms and limits. ## 6. Eligibility and Jurisdiction This website is directed at residents of Canada, and primarily at residents of Quebec. It is not directed at any person in a jurisdiction where publishing it, or offering the products and services it describes, would be contrary to local law or registration requirements. We can act only in the provinces and territories where we hold the registration and licences required for the product or service in question. If you access this website from outside Canada, you do so on your own initiative and you are responsible for complying with the laws that apply to you. You must have reached the age of majority in your province or territory to submit a form or to subscribe to our SMS alerts. ## 7. Contact Forms and Your Information Our forms are meant for genuine inquiries about our services and for job applications. When you use one, you agree that the information you provide is accurate and complete, that it is yours to share, and that you will tell us if it changes in a way that matters to the services we provide you. Please do not send sensitive information through a form or by ordinary email, including your social insurance number, account numbers, banking details, passwords or copies of identity documents. Email, web forms and text messages are not secure channels and they are not monitored at all times. Account instructions and trade instructions are not accepted by form, by email or by text message. Please call us, or use your Manulife Wealth account, for anything that has to be acted on. Our forms use automated checks to filter out automated submissions, so a legitimate message may occasionally be caught. If you do not hear back from us within a reasonable time, please contact us using the details in section 17. ## 8. SMS Alerts We offer an optional SMS alert service. We send these messages only to people who have asked to receive them, and the following terms apply in addition to the rest of these Terms. 1. By subscribing, you will receive SMS notifications for appointment reminders, and service updates from Vincenzo Pace. 2. **Opt-Out Instructions:** You can cancel the SMS service at any time. Text "STOP" to +1 438-839-7457. 3. After you send "STOP", we will send you a confirmation SMS. After this, you will no longer receive SMS messages from us. 4. **Rejoining Instructions:** To re-subscribe, simply opt in again through our website or by texting back to our service number. 5. **Help Instructions:** For support, reply "HELP" or contact us at Vincenzo.pace@manulifewealth.ca or +1 438-839-7457. 6. **Carrier Liability Disclaimer:** Carriers are not liable for delayed or undelivered messages. 7. **Message and Data Rates:** Message and data rates may apply for any messages sent to you from us and to us from you. Message frequency may vary. 8. **Privacy:** For more information, refer to our [Privacy Policy](https://www.vincenzopace.ca/privacy-policy). 9. **Compliance Statement:** Our SMS program is compliant with industry standards and carrier regulations, including CTIA guidelines and applicable laws. SMS alerts are administrative messages. They are not advice, they are not a record of your account, and they are not a channel for instructions. Please do not send account instructions, trade instructions or personal information by text message. ## 9. Third-Party Links and Services This website links to websites and services that we do not own or control, including: - the Manulife Wealth client sign-in page and other Manulife websites; - the Canadian Investment Regulatory Organization (CIRO), the CIRO Advisor Report and the Canadian Investor Protection Fund (CIPF); - Calendly, at [calendly.com/schedule-vincenzopace](https://calendly.com/schedule-vincenzopace), which we use for booking meetings; - social media profiles such as LinkedIn, and mapping services used to show our office location. These links are provided for convenience only. We are not responsible for the content, availability, security or privacy practices of those websites and services, and a link is not an endorsement. Using them is at your own risk and is subject to their own terms and privacy policies. When you book a meeting through Calendly, the information you enter is handled by Calendly under its own terms and privacy policy. You are responsible for keeping any sign-in credentials confidential, including those for the Manulife Wealth client portal, and for telling the provider concerned if you believe they have been compromised. ## 10. Intellectual Property Unless otherwise indicated, the content of this website, including its text, graphics, images, layout and design, is owned by or licensed to this practice and is protected by Canadian and international intellectual property laws. You may view the website and print or save its pages for your own personal, non-commercial use or to evaluate our services. Any other use, including copying, reproducing, republishing, distributing, modifying, framing or creating derivative works from the content, requires our prior written permission. Manulife, Manulife Wealth, Manulife Bank, CIRO, CIPF and the other names, logos and marks shown on this website belong to their respective owners. They appear here with permission or under licence, and nothing on this website gives you any right to use them. ## 11. Acceptable Use You agree to use this website only for lawful purposes and in accordance with these Terms. In particular, you agree not to: - attempt to gain unauthorized access to the website, its hosting infrastructure or any system or account connected to it; - interfere with the operation or security of the website, or introduce viruses or other harmful code; - use automated tools to access the website in a way that places an unreasonable load on it or that ignores the instructions in our robots.txt file; - submit false or misleading information, impersonate another person, or apply for a position on behalf of someone else without their consent; - use the website or our contact details to send spam or unsolicited commercial messages; - copy or collect content, contact details or personal information from the website for marketing or resale; - use the website for any unlawful, fraudulent, defamatory or harassing purpose, or in a way that infringes the rights of others. ## 12. Disclaimer of Warranties The website and its content are provided "as is" and "as available". To the extent permitted by applicable law, we make no warranty or representation, express or implied, about the accuracy, completeness, timeliness, reliability or suitability of the content for any particular purpose. We do not undertake to keep the content up to date, except where the law requires it, and we may modify, suspend or discontinue all or part of the website at any time. We do not warrant that the website will be available without interruption or error, or that the website and the servers that make it available are free of viruses or other harmful components. ## 13. Limitation of Liability To the extent permitted by applicable law, we will not be liable for damages arising out of or related to your use of, or inability to use, this website, or your reliance on its content, including loss of profits, lost opportunities, loss of data and damages caused by interruptions or by content supplied by a third party. Nothing in these Terms excludes or limits any liability that cannot be excluded or limited by law. This includes liability for gross or intentional fault, liability under the Civil Code of Québec and, where it applies, the Quebec Consumer Protection Act, and any obligation we owe you under securities or insurance legislation or under the rules of the organizations that regulate the companies named in section 5. These Terms govern this website only. They do not limit, replace or vary the account agreements, policy contracts, disclosure documents and relationship disclosure information that govern your accounts, policies and services. If this website and one of those documents differ, that document prevails. ## 14. Privacy The collection, use and disclosure of personal information through this website are described in our [Privacy Policy](https://www.vincenzopace.ca/privacy-policy), which forms part of these Terms. Personal information that relates to your accounts, policies and transactions is also governed by the privacy policies of the companies named in section 5 and of the applicable insurer. Those policies are linked in the banner at the foot of this page. ## 15. Changes to These Terms We may update these Terms from time to time to reflect changes to the website, to our services or to the law. The "Last Updated" date at the top of this page shows when they were last revised. Your continued use of the website after an update is posted means that you accept the updated Terms, so please check this page from time to time. ## 16. Governing Law These Terms are governed by and interpreted in accordance with the laws of the Province of Quebec and the federal laws of Canada applicable therein, without regard to conflict of laws rules. Any dispute relating to these Terms or to your use of the website will be submitted to the competent courts of the Province of Quebec, subject to any mandatory rule that protects consumers. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions stay in force. ## 17. Contact Us If you have any questions about these Terms, please contact us: Vincenzo Pace Investment Advisor, Manulife Wealth Inc. - Email: Vincenzo.pace@manulifewealth.ca - Phone: (514) 421-7090 ext. #352 - Office: 1405 Trans-Canada, Suite 200, Dorval, Quebec H9P 2V9, Canada Investment dealer dealing representatives (“Investment advisors”) registered with Manulife Wealth Inc. offer stocks, bonds and mutual funds. Insurance products and services are offered through Manulife Wealth Insurance Services Inc. Banking products and services are offered by referral arrangements through our related company Manulife Bank of Canada. Additional disclosure information will be provided upon referral. Please confirm with your Advisor which company you are dealing with for each of your products and services. [Legal and Disclaimers](https://www.manulifewealth.ca/clients/en/corporate-disclaimers) [Privacy Policy](https://www.manulife.ca/privacy-policies/canadian-division-privacy-policy.html) ### Email Vincenzo.pace@manulifewealth.ca ### Phone (514) 421-7090 ext. #352 ### Manulife Wealth Head Office [1235 North Service Rd W, Oakville, Ontario L6M 2W2](https://maps.app.goo.gl/WKuU8q3Qxvx4JgLm7) ### Office [1405 Trans-Canada Suite 200 Dorval, Québec H9P 2V9](https://maps.app.goo.gl/6bjdDt9eZMsJ9tgF6)