Terms of Use and Privacy Policy
We are pleased that you are using our website (the “Site“) owned and operated by Creditors Notice Inc. (“Creditors Notice“, “we“, “us” or “our“). By accessing our Site, you acknowledge that you have read, understood, and have agreed to be bound by the terms and conditions set out in these Terms of Use and Privacy Policy (the “Terms and Policy“) and its content.
We may revise these Terms and Policy, and the most recent version will prevail. Your continued use of our Site shall be evidence of your agreement to be bound by any such changes. We encourage you to regularly review these Terms and Policy for updates.
Privacy and Personal Information
Please make sure to read the following privacy provisions carefully. They constitute our Privacy Policy with respect to your personal information such as your name and any other personal details through which you can be identified (“Personal Information“). Personal information may include business contact information or contact details. Our Privacy Policy applies to you any time you submit Personal Information through our Site, except in cases where such Personal Information is made publicly available. It also applies to every treatment of data or information that we receive from or about you. We comply with the privacy norms under the applicable Canadian and provincial legislation every time you access and/or browse our Site. This Privacy Policy applies to our collection, use and disclosure of Personal Information in Canada.
When you browse our Site, we automatically receive your computer’s internet protocol (IP) address in order to provide us with information that helps us learn about your browser and operating system. We use this along with the Personal Information you have provided to perform data analysis in order to improve our Site and to enhance your overall experience. We may share your Personal Information with our affiliates and service providers who process it on our behalf when required but only for business purposes. These parties are legally obligated to maintain the confidentiality of the Personal Information thus communicated to them. Their handling and use of your Personal Information is confined to the purpose for which it was specifically communicated. Some of our service providers may be located outside of Canada and as such, their handling of your Personal Information is governed by applicable foreign laws.
We take reasonable steps to provide adequate and appropriate protection of your Personal Information through the use of physical, electronic and procedural safeguards. We retain your Personal Information only for so long as is necessary to fulfill the purpose for which it was collected and to meet our legal obligations as required by applicable laws. We assume that you have consented to our reasonable collection and use of your Personal Information once you have provided us with same.
You may, with proof of entitlement, request access to your Personal Information in order to review its accuracy, or to request that we correct the Personal Information stored in our servers. We will process any updates, changes or deletion requests as soon as possible.
Your Use of Our Site
You cannot use any portion of our Site to violate any applicable law or regulation.
In addition, you may not:
- access or use, or attempt to access or use, our Site to take any action that could harm Creditors Notice or any third party or interfere with the operation of our Site which could disable or impair our Site;
- interfere with the operation of our Site or which could disable or impair our Site;
- attempt to circumvent any restrictions, conditions, or technological measures imposed on your use or access of our Site;
- take any action that imposes an unreasonable or disproportionately large load on our network or infrastructure or violates or threatens our system or network security.
You agree to abide by all additional restrictions displayed on our Site, as they may be updated from time to time.
Our Intellectual Property
Creditors Notice and its logo are our intellectual property and are protected by intellectual property laws.
You may not alter, broadcast, copy, create derivative works, distribute, download, license, manipulate, modify, reproduce, republish, sell, post, publicly display, transmit or upload or otherwise exploit our intellectual property in whole or in part, in any manner whatsoever, nor may you hold yourself out has having authority to so do. Creditors Notice does not grant you any express or implied rights under or to any of our patents, trademarks, copyrights, trade secrets or other intellectual property.
Content
The contents of our Site are provided “as is” for public information and personal use only. We do not vet any “Trusted Partners” listed on our site. All content is for informational purposes only and should not be relied upon for any purpose other than what was intended. Our Site does not, and does not purport to, provide legal, financial, or other professional advice and you should consult your own legal, financial, and other professional advisors for any such advice.
Our Site may allow you to publish a post, submit a review, ask a question or make a comment, or provide us with your suggestions (“your content“). You remain the owner of your content and you are solely responsible for the accuracy and truthfulness of your content. You are solely liable for any consequence directly or indirectly resulting from or caused by your content. You must ensure that you own, are permitted or are licensed to send us all of your content. By providing your content to us, you are agreeing that you are authorized to do so and that you are over 18 years of age. You further agree and confirm that when you send us or otherwise post your content, you will do so in compliance with these Terms and Policy. In addition, you grant us (and those we work with) a worldwide, royalty-free, irrevocable, perpetual license to use, store, modify, publish, distribute, display and reproduce your content without compensation and without notifying you, as well as to use any names, persona and likeness, to the extent included in your content. We may display your content on our Site or otherwise use it in our marketing and promotional materials, and by providing us with your content, this gives us the right to do so.
Termination
None of your content may violate or infringe our rights, the rights of others or applicable laws and regulations, be offensive, harassing, threatening or objectionable, contain a virus or other harmful component, or contain advertising or any commercial or other solicitation. We may terminate or suspend access to our Site and the services provided therein immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach our Terms and Policy. Suspending or terminating your access to our Site may involve the removal of your content. Upon termination or suspension, the following provisions shall survive and continue in full force and effect: Your Use of Our Site, Disclaimers, Limitation of Liability, Indemnification and Governing Law.
Cookies
When you use our website, we place a text file called a “cookie” in the browser directory of your computer’s hard drive. A cookie is a small piece of information that a website can store on your web browser and later retrieve. The cookie cannot be read by any other website other than the one that set up the cookie. Aggregate, but not individual, cookie and tracking information may be shared with third parties.
Links to Other Websites
Our Site contain links to, and may be linked from, third-party websites that we do not maintain. We do not endorse or make any representations about any other websites or have any responsibility for any loss or damage that may arise from your use of such third-party websites. If you follow links from our Site to other websites or platforms, you will be subject to the terms and conditions, and any other privacy or security policies, of those websites.
Disclaimers
We do not make, and we hereby expressly disclaim, any express or implied warranties, representations, or endorsements whatsoever, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, or warranties of title or non-infringement as to the content of our Site. We do not warrant that our Site will be available at any given time or location, or that it is free from viruses, malware or other harmful components though we have electronic safeguards in place.
Limitation of Liability
To the extent permissible by law, we and our affiliates, and all of our respective officers, directors, members, partners, volunteers, employees, representatives, licensors and agents, will not be liable to you, or others, for any loss, injury, claim, liability, or damage of any kind, including, but not limited to, any direct, indirect, special, incidental, punitive or consequential damages of any kind whatsoever (including lawyer fees, legal fees, and business interruption losses) resulting from your access to or use of (or inability to use) our Site, even if we have been advised of the possibility of such losses. If the law restricts us from disclaiming responsibility in this way, we will only be responsible for refunding the service, if any, you have paid to us for that specific matter.
Indemnification
You agree to indemnify, defend and hold harmless Creditors Notice and its affiliates, and all of our officers, directors, members, partners, volunteers, employees, representatives, licensors and agents, from and against all losses, injuries, claims, liabilities or damages, including lawyer fees and legal fees, that result from or relate to your use of our Site and any violation of this Terms and Policy whether by you, by any person authorized by you, by any person using your login credentials and including any unauthorized use of your account or computer.
Compliance with Law
Access to our Site from countries or territories where such access is illegal is prohibited. You are solely responsible for complying with all local laws, rules and regulations regarding online conduct and access to our site.
Governing Law
These Terms and Policy are governed by the laws of the Province of Ontario, Canada and the federal laws of Canada applicable therein, without regard to its choice of law provisions. Any claim or dispute against us with respect to this Terms and Policy, your use of our Site or otherwise shall be brought exclusively in the Courts of the Province of Ontario, and you hereby consent to the exercise of personal jurisdiction by and to venue in such courts.
General Information
If we do not enforce any provision of these Terms and Policy, it does not mean we will not, and we are not waiving our right to, enforce it in the future.
Contact Us
If you have any questions or concerns regarding these Terms and Policy, you can contact our Director of Operations at info@creditorsnotice.ca through our Site or by sending us a message from your own personal email.