This site is for information purposes only and is not intended to provide any form of specific individual advice including, without limitation, investment, financial, legal, accounting or tax.
The information on the pages of this site is provided to persons resident in the provinces of Ontario, British Columbia, Alberta, Nova Scotia, Prince Edward Island, Newfoundland and Labrador, Quebec, Saskatchewan and Manitoba, and does not constitute an offer or solicitation in any other Canadian or foreign jurisdictions.
Reasonable efforts are made to ensure that the information on this site is accurate and up to date, however, the information is subject to change without notice, and Cumberland does not make any representation or guarantee as to the accuracy or completeness of its contents or assume any liability in providing it.
Communications over the Internet, may not be secure, therefore the privacy and confidentiality of any email which is sent by you to Cumberland cannot be guaranteed. We advise you not to transmit any sensitive or confidential information to us, and we will not be responsible for any damages that may occur should you choose to transmit confidential or sensitive material by email.
The use of this site is provided to you for your personal use only. Information may only be printed, and downloaded for your own non-commercial private use provided that the content or appearance is not altered in any way.
Significant Business Disruption
In the event of a significant business disruption (“SBD”) (e.g. major power failure, pandemic etc.) Cumberland has put in place a business continuity plan to ensure clients have access to their accounts.
Our portfolio managers will communicate with clients as soon as possible following the occurrence of an SBD to update them on the status of our ongoing services to them and to let them know how we are coping with the emergency. The main objective in developing the internal plan was to provide seamless restoration of services where possible but in any event to allow all clients access to their accounts within a period not exceeding 48 hours.
Clients may contact Cumberland using the quickest available means, including:
E-Mail: email@example.com (or your PM’s E-Mail address)
We will post information on our website (to the extent possible) concerning ongoing communication and other incident/service related developments which may be helpful to our clients in respect of the Cumberland accounts.
In the unlikely event that communication with Cumberland is not possible within 48 hours of the occurrence of an SBD clients may get assistance/access to their accounts by contacting:
National Bank Correspondent Network
Tel: (416) 542-2200, press 0 for assistance
Cumberland has set up a process for handling client complaints on a fair and timely basis.
If you have a complaint regarding a service-related or an administrative issue, we urge you to first speak with your Portfolio Manager or Registered Representative to determine if it may be dealt with quickly and easily. We may respond to your service-related complaint verbally or in writing.
If your complaint alleges a potential compliance-related misconduct such as breach of confidentiality, theft, fraud, misappropriation or misuse of funds or securities, forgery, unsuitable investments, misrepresentation, unauthorized trading, engaging in securities related activities outside of Cumberland or inappropriate personal financial dealings with clients we encourage you to contact our Chief Compliance Officer:
Cumberland Private Wealth Management Inc.
Attention: Chief Compliance Officer
99 Yorkville Avenue
Toronto, ON M5R 3K5
If you provide us with a verbal compliance-related complaint, we may request that you provide us with the details of the complaint in writing.
Upon receipt of a written complaint or of a verbal complaint, which is deemed to be compliance-related, we will acknowledge your complaint with a written response letter within 5 business days of receipt of the complaint. We will provide you with the name and contact information of the person coordinating the investigation, and we will also provide you with information on other options available to you in the event that our response to you is not to your satisfaction.
Cumberland will commence an internal investigation of the complaint, and within 90 days, we will provide you with a summary of the complaint, the results of our investigation and our decision and on the complaint including an explanation. Should our investigation take over 90 days, we will contact you and we will provide you with the reason for the delay, and a new estimated time of completion.