Terms and conditions of use

Update - October 2023

Please read carefully the various terms of use of this site before browsing its pages.

Before accessing the contents of this site, any user must agree to abide by the terms of use set forth below and must agree to be bound by the entire contents of each of the statements listed herein.

Any person refusing to adhere to these principles and refusing to abide by them must refrain from accessing this site and/or making any use of it.‍


Welcome to MICA'S Website (hereinafter the "Website"). Your use of the Website indicates your agreement with the following terms and conditions of use (the "Terms"). If you do not agree to be bound by all of the following terms and conditions, please do not access or use the Website.

Obligations of website visitors

Without limiting the scope of these Terms and Conditions, all visitors to the Website agree to use the Website in a reasonable and responsible manner in compliance with applicable laws, in particular with respect to privacy, confidentiality and intellectual property. You also agree to provide MICA with information that reflects reality, i.e. information that is accurate, truthful and up-to-date.

Intellectual property notice

MICA owns, or may own, all copyrights to all information, trademarks and logos appearing on this site.

All content on this website is protected under copyright laws. Users of this site are authorized to copy content for personal use only. No one has the right to redistribute, reproduce, republish, store in any medium, retransmit or modify any information contained therein for commercial purposes without the written permission from MICA.

All trademarks and logos (including certain names, words, titles, designs, illustrations and icons) appearing on the pages of this site are registered or unregistered trademarks or registered trademarks of MICA or third parties or are to be used exclusively by their owner.

You are aware that you have no right, title or interest in or to the website, and all rights not expressly granted are the exclusive property of MICA.

Any use of these marks is strictly prohibited without the written permission of the owner. Any unauthorized downloading, re-transmission, or other copying or modification of trademarks or the contents of this site may be a violation of federal or other applicable copyright and trademark laws and could subject the violator to legal action.

MICA prohibits the use of its logos and trademarks as links to any other website without its prior written permission.

Protection of personal information

MICA is committed to upholding your right to privacy in accordance with the laws of Québec and Canada respecting the protection of personal information.

MICA may collect personal information about you. Personal data collection is for the exclusive use by MICA and its authorized partners, to allow us to communicate with you, provide you with the services and information you request or provide you with information that may be of interest to you. Unless otherwise authorized by you, MICA will use personal information for these purposes only. If you do not wish to receive additional information, please let us know by contacting us.

Exclusion of liability and warranty

MICA does not warrant the accuracy, relevance or reliability of this Website's contents, nor does it guarantee that the contents will be available without errors or omissions. The information contained in this Website shall in no circumstances be construed as a legal opinion and MICA is not responsible for any usage thereof. MICA is not responsible for any usage thereof.

MICA shall not be liable for any loss or damage arising from the use of this Website or of any information contained therein.

Accuracy of information appearing on the site

MICA believes that the information contained in this site was accurate at the time it was posted. However, it cannot guarantee or warrant the timeliness, accuracy, completeness or authenticity of its content or each of its functionalities. Without limiting the foregoing, MICA assumes no responsibility for the accuracy of information contained on this site and provided by third parties. This site and the information contained herein are for informational purposes only. Furthermore, the information contained herein may be changed or updated at any time without notice. All products and services are subject to the terms and conditions of the agreements governing them.

The information contained on this site does not constitute tax, legal, financial, insurance or accounting advice, and should not be relied upon in that regard.

MICA cannot guarantee the accuracy of any information contained in or accessible through this site, which information may have been prepared by or obtained from a third party.

Site availability

MICA cannot guarantee the availability of this site and cannot be held responsible for any problems arising from its use.

MICA cannot guarantee, in any way whatsoever, that this site will always be available or that it will meet your requirements or needs, that access to it will not be interrupted, that there will be no delays, failures, errors, omissions or loss of transmitted information, that no viruses or other contaminating or destructive elements will be transmitted, or that no damage will be caused to your computer system.

It is the sole responsibility of the user to acquire the appropriate tools, means or software to avoid such viruses or contaminating or destructive elements, and to keep such protection up to date.

Links to third-party websites

The Website may contain links to third-party sites, which are subject to terms and conditions of use different from those set forth herein. MICA makes no representations or warranties regarding any third-party sites accessible via its Website. Therefore, if you visit such third-party sites, you do so at your own risk in accordance with each site's terms of use.

Links to other Web sites appearing on this site, including those offering downloadable software, are provided solely as a convenience to you and are not the responsibility of MICA.

Links to other Web sites or references to products, services and publications other than those of MICA are provided solely for your convenience and information and do not imply the endorsement or sponsorship of such Web sites, products, services and publications by MICA. These sites and links were developed independently of MICA, and we cannot vouch for the currency, accuracy, completeness or authenticity of the content and functionality of such sites or links. Linking to any other site is at your own risk and MICA shall not be responsible or liable for any damages in connection with linking.

Links to sites offering downloadable software are provided solely for your convenience and for illustrative or hypothetical purposes, and MICA shall not be responsible or liable for any difficulties associated with downloading such software. Illustrations or calculations generated by such downloadable software or other calculation tools made available through a link to a third party may not be considered by anyone as proposals, recommendations or advice in financial, insurance, tax or legal matters or any other area requiring professional advice.

If you choose to access software through links offered on this site, you must take the necessary precautions to detect and eliminate any viruses and ensure that the software is compatible with your computer. You should also ensure that you have up-to-date backup copies of all content stored on your hard disk before installing the software.

Use of passwords and logins (secure portal)

In order to access a secure section of the site, you must have a username and password.

The user is solely responsible for his or her password and username, and for any use made of them, with or without his or her consent.

At all times, you must keep your password and username confidential and never share or communicate them to anyone else.

MICA is not required to confirm the user's identity or right of access if the user enters the appropriate identifier and password.

If someone other than you becomes aware of your identifier and password, you must immediately notify MICA. In such a case, MICA will block access to your personal file as soon as possible until you decide to confirm a new username and password.

Tools available on this site

The glossary, search tools, calculators and frequently asked questions provided on this site are for personal use only and should not be construed as specific recommendations.

The definitions provided in the glossary are for information purposes only. They have no contractual value and may differ from the definitions given in any contract. Please refer solely to the provisions of your contract to determine your obligations and rights thereunder.

MICA does not guarantee the results of your research.

Similarly, calculations and results are provided for information purposes only. MICA does not guarantee their accuracy or integrity, as they are based on assumptions. Default values are provided for illustrative and reference purposes only. Please use them only as guides or estimates.

The answers given in the Frequently Asked Questions section, as well as those we provide to those who send us their questions, are to be used for information purposes only. They have no legal value and in no way engage MICA's responsibility. Please consult your accountant, tax advisor or advisor , who will review all the facts of your particular situation and provide you with an answer tailored to your needs.

Internet e-mail

Unprotected e-mail transmitted over the Internet is subject to possible interception or loss, and is also subject to possible alteration. MICA will not be liable to you or any other person for any damages resulting from the interception, loss or alteration of any e-mail sent by you to MICA or any such message sent by MICA to you.

In the case of the extranet for MICA services financiers advisor partners or mutual fund dealer representatives attached to MICA Capital, a Web e-mail is integrated into the secure site. Please note that any communication via this e-mail bears an identification of belonging to the network and must be drafted, whether intended for internal or external use, in compliance with the requirements of the laws and regulations governing directly or indirectly the distribution of financial products and services and the protection of personal information, including in particular the rules enacted with respect to ethics and the exercise of the activities of representatives. As such, you agree not to use the electronic messaging system made available to you for illegal or reprehensible activities, including but not limited to the sending of unsolicited bulk e-mail (spamming), criticism or defamation, invasion of privacy, chain letters, pyramid schemes, etc.

By sending us an e-mail communication, you agree to provide us with your e-mail address and consent to our using it to communicate with you.

Changes and updates

These terms of use will be updated and modified from time to time by MICA, without notice and at its sole discretion. Accordingly, when you access this site, be sure to review the terms and conditions of use before using the site.


This site falls under the jurisdiction of the Province of Quebec and the information it contains on MICA's products and services may only be used in Canada.

These terms and conditions shall be governed by and construed in accordance with the laws of the Province of Quebec and shall be subject to the full and exclusive jurisdiction of the courts of the judicial district of Quebec.