Terms & conditions

Last revision : March 8, 2021

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS WEBSITE

The following Terms and Conditions govern and apply to your use of or reliance upon this website maintained by FinExpert (the “Website”).

Your access or use of the Website indicates that you have read, understand and agree to be bound by these Terms and Conditions and any other applicable laws, statutes and/or regulations. We may change these Terms and Conditions at any time without notice, effective upon its posting to the Website. Your continued use of the Website will be considered your acceptance to the revised Terms and Conditions.

1. INTELLECTUAL PROPERTY

All intellectual property on the Website is owned by us or our licensors, which includes materials protected by copyright, trademark, or patent laws. All trademarks, service marks and trade names are owned, registered and/or licensed by us. All content on the Website, including but not limited to text, software, code, designs, graphics, photos, sounds, music, videos, applications, interactive features and all other content is a collective work under Canadian and other copyright laws and is the proprietary property of the Company.

All rights reserved.

2. USE OF COMPANY MATERIALS

We may provide you with certain information as a result of your use of the Website including, but not limited to, documentation, data, or information developed by us, and other materials which may assist in the use of the Website or Services (“Company Materials”). The Company Materials may not be used for any other purpose than the use of this Website and the services offered on the Website. Nothing in these Terms of Use may be interpreted as granting any licence of intellectual property rights to you.

3. PAYMENT

When you make a purchase on the Website, you agree to provide a valid instrument to make a payment. Pay attention to the details of the transaction, as your total price may include taxes, fees, and shipping costs, all of which you are responsible for.

When you provide a payment instrument to us, you confirm that you are permitted to use that payment instrument. When you make a payment, you authorize us (and our designated payment processor) to charge the full amount of the payment instrument you designate for the transaction. You also authorize us to collect and store that funding instrument, along with other related transaction information.

If you pay by credit or debit card, we may obtain a preapproval from the issuer of the card for an amount as high as the full price. If you cancel a transaction before completion, this pre-approval may result in those funds not otherwise being immediately available to you.

We may cancel any transaction if we believe the transaction violates these Terms, or if we believe in doing so may prevent financial loss.

In order to prevent financial loss to you or to us, we may contact your funding instrument issuer, law enforcement, or affected third parties (including other users) and share details of any payments you are associated with, if we believe doing so may prevent financial loss or a violation of law.

Payment for any ongoing service will be billed automatically until you notify us that you wish to terminate the services.

4. SALE OF GOODS AND SERVICES

We may sell goods or services or allow third parties to sell goods or services on the Website. We undertake to be as accurate as possible with all information regarding the goods and services, including product descriptions and images. However, we do not guarantee the accuracy or reliability of any product information and you acknowledge and agree that you purchase such products at your own risk.

5. ACCEPTABLE USE

You agree not to use the Website for any unlawful purpose, or any purpose prohibited under this clause. You agree not to use the Website in any way that could damage the Website, the services or the general business of FinExpert.

You further agree not to use and/or access the Website:

• To harass, abuse, or threaten others or otherwise violate any person’s legal rights;
• To violate any intellectual property rights of us or any third party;
• To upload or otherwise disseminate any computer viruses or other software that may damage the property of another;
• To perpetrate any fraud;
• To engage in or create any unlawful gambling, sweepstakes, or pyramid scheme;
• To publish or distribute any obscene or defamatory material;
• To publish or distribute any material that incites violence, hate or discrimination towards any group;
• To unlawfully gather information about others.

6. REVERSE ENGINEERING & SECURITY

You may not undertake any of the following actions:

• Reverse engineer, or attempt to reverse engineer or disassemble any code or software from or on the Website;
• Violate the security of the Website through any unauthorized access, circumvention of encryption or other security tools, data mining or interference to any host, user or network.

7. INDEMNIFICATION

You defend and indemnify FinExpert and any of its affiliates and hold us harmless against any and all legal claims and demands, including reasonable attorney’s fees, which may arise from or relate to your use or misuse of the Website, your breach of these Terms and Conditions, or your conduct or actions. We will select our own legal counsel and may participate in our own defense, if we wish to so.

8. DISCLAIMER AND RESPONSABILITY

Our site exists for communications purposes only. You acknowledge and agree that any information published on our site is not intended to be legal, medical or financial advice and no fiduciary relationship has been created between you and FinExpert. You also agree that your purchase of services from the site is at your own risk. We are not responsible for any advice or any other information conveyed on the site.

9. SERVICE INTERRUPTIONS

We may need to interrupt your access to the Website to perform maintenance or emergency services on a scheduled or unscheduled basis. You agree that your access to the Website may be affected by unanticipated or unscheduled downtime, for any reason, but that we will have no liability for any damage or loss caused as a result of such downtime.

10. NO WARRANTIES

While we have made reasonable efforts to ensure that the content on this site is accurate, we cannot guarantee that such content is error-free, up-to-date or complete. In any case, we can not be held responsible for any damage that may result from an error on the site.

We assume no responsibility for any damage resulting from the misuse of the content of the site. We also cannot guarantee that the site will be available without interruption, without errors or omissions, or that faults will be corrected. It is also not possible to guarantee that the site and the servers which make it available are free from viruses or harmful components. The site and its content are provided “as is” and “as available” without any representation, warranty or condition of any kind, express or implied.

If you decide to subscribe to any services or features of the site that require a subscription, you agree to provide accurate and up-to-date information about yourself as required by the relevant registration or subscription process, and to ensure their accuracy by making the necessary updates as soon as possible. You agree to ensure the confidentiality of all passwords or other account identifiers that you have chosen or that will be assigned to you when registering or subscribing to FinExpert or its partners and to assume responsibility for with respect to all activities related to the use of these passwords or accounts. In addition, you agree to notify us of any unauthorized use of your password or member account. We can not be held responsible, directly or indirectly, for any loss or damage of any kind arising from your failure to comply with this provision or related to such failure.

You acknowledge that we may, in our sole and absolute discretion, and without notice, suspend, cancel or terminate your account, your use of or access to the site or any of its services, and remove and delete any information or content relating to the site or to one of the services offered (and terminating your use of it), for any reason whatsoever, including if we believe that you have violated these conditions. Further, you acknowledge that we will not be liable to you or to anyone as a result of any such suspension, cancellation or termination. If you are dissatisfied with FinExpert or any of its services, or any of these terms, rules, policies, guidelines or our practices relating to the operation of FinExpert or any of its services, your only recourse is to stop using the site or service in question.

11. PRIVACY

Internet communications are subject to interception, loss or alteration and, as consequences, you acknowledge that information or data you provide by electronic means by accessing or using this Website are not confidential or exclusive, except to the extent required by the applicable laws, and that communications by email may be intercepted, altered or lost.

12. LIMITATION ON LIABILITY

We are not liable for any damages that may occur to you as a result of your use of the Website, to the fullest extent permitted by law. The maximum liability of FinExpert arising from your use of the Website is limited to the greater of one hundred ($100) Canadian Dollars or the amount you paid to FinExpert in the last six (6) months. This applies to any and all claims by you, including, but not limited to, lost profits or revenues, consequential or punitive damages, negligence, strict liability, fraud, or torts of any kind.

13. ADDITIONAL QUESTIONS AND INFORMATION

For any questions or for further information, please contact us at the following address: info@finexpert.io