Last Updated: October 10, 2023
Please read these Terms and Conditions ("Terms") carefully before using the Canada Investment Guide website (the "Service") operated by Canada Investment Guide ("we," "us," or "our").
By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the Terms, then you may not access the Service.
1. Acceptance of Terms
These Terms constitute a legally binding agreement between you and Canada Investment Guide regarding your use of the Service. By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Service.
We reserve the right to modify these Terms at any time. We will post the modified Terms on this page and indicate the date of the most recent update. It is your responsibility to check the Terms periodically for changes. Your continued use of the Service following the posting of revised Terms means that you accept and agree to the changes.
2. Definitions
In these Terms, the following definitions apply:
- "Account" means the account created by a User to access and use the Services.
- "Content" means any text, graphics, images, music, software, audio, video, information, or other materials appearing on or through the Services.
- "Order" means a request to purchase Products through the Services.
- "Products" means the fruits, vegetables, and other items offered for sale through the Services.
- "Subscription" means a recurring Order for Products at specified intervals.
- "User" means an individual who accesses or uses the Services.
- "User Content" means any Content that a User posts, uploads, publishes, submits, or transmits to be made available through the Services.
3. Account Registration and Use
3.1 Account Creation
To use certain features of our Services, you may need to register for an Account. When you register, you agree to provide accurate, current, and complete information and to update this information to maintain its accuracy. You are responsible for safeguarding your password and for all activities that occur under your Account. You agree to notify us immediately if you suspect any unauthorized use of your Account.
3.2 Age Requirement
You must be at least 18 years old to create an Account and use our Services. By creating an Account, you represent and warrant that you are at least 18 years old.
3.3 One Account Per User
You may not create more than one Account without our express permission. We reserve the right to terminate any duplicate Accounts.
3.4 Account Termination
We reserve the right to suspend or terminate your Account at any time for any reason, including but not limited to violation of these Terms. You may also terminate your Account at any time by contacting our customer service.
4. Intellectual Property and Content
4.1 Service Content
All Content provided on the Service, including but not limited to text, graphics, logos, images, articles, blog posts, investment guides, and tools, is the property of Canada Investment Guide or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, modify, distribute, or republish any Content from our Service without our prior written consent.
4.2 Limited License
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Service and Content for your personal, non-commercial use. This license does not include the right to:
- Modify or copy the Content
- Use the Content for any commercial purpose or for any public display
- Remove any copyright or other proprietary notations from the Content
- Transfer the Content to another person or "mirror" the Content on any other server
- Use any data mining, robots, or similar data gathering and extraction methods
4.3 User Content
You may submit content to our Service (such as comments, forum posts, or feedback) ("User Content"). By submitting User Content, you grant us a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform the User Content in connection with the Service and our business operations.
You represent and warrant that:
- You own or have the necessary rights to the User Content you submit
- The User Content does not violate the privacy rights, publicity rights, copyright, contractual rights, or any other rights of any person or entity
- The User Content does not contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, or otherwise objectionable
We reserve the right to monitor, edit, or remove any User Content that we determine, in our sole discretion, violates these Terms or is otherwise objectionable.
4.4 Trademarks
The Canada Investment Guide name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Canada Investment Guide or its affiliates. You may not use these marks without our prior written permission. All other names, logos, product and service names, designs, and slogans on the Service are the trademarks of their respective owners.
5. Acceptable Use
5.1 Permitted Use
You may use the Service only for lawful purposes and in accordance with these Terms. You agree to use the Service in compliance with all applicable laws, rules, and regulations.
5.2 Prohibited Uses
You agree not to use the Service:
- In any way that violates any applicable federal, provincial, local, or international law or regulation
- To transmit, or procure the sending of, any advertising or promotional material, including any "junk mail," "chain letter," "spam," or any other similar solicitation
- To impersonate or attempt to impersonate Canada Investment Guide, a Canada Investment Guide employee, another user, or any other person or entity
- To engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Service, or which may harm Canada Investment Guide or users of the Service
- To attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Service, the server on which the Service is stored, or any server, computer, or database connected to the Service
- To attack the Service via a denial-of-service attack or a distributed denial-of-service attack
- To use any robot, spider, or other automatic device, process, or means to access the Service for any purpose, including monitoring or copying any of the material on the Service
- To use any manual process to monitor or copy any of the material on the Service or for any other unauthorized purpose
- To use any device, software, or routine that interferes with the proper working of the Service
6. Payments and Subscriptions
6.1 Paid Services
Certain features of the Service may require payment ("Paid Services"). By purchasing Paid Services, you agree to pay all fees and charges associated with your purchase. All fees are non-refundable except as expressly set forth in these Terms or as required by applicable law.
6.2 Payment Methods
We accept various payment methods, which may change from time to time. By providing a payment method, you represent and warrant that you are authorized to use the payment method and that the payment information you provide is accurate and complete.
6.3 Recurring Payments
For subscription-based Paid Services, you authorize us to charge your payment method on a recurring basis. You can cancel your subscription at any time by accessing your account settings or contacting customer service. If you cancel a subscription, you will continue to have access to the subscription service through the end of your current billing period.
6.4 Changes to Pricing
We reserve the right to change our prices at any time. If we change the pricing for a subscription-based Paid Service, we will provide notice of the change and give you an opportunity to cancel your subscription before the price change takes effect.
7. Disclaimers
7.1 No Professional Advice
The Content provided on the Service is for informational and educational purposes only. It does not constitute professional advice, including but not limited to financial, investment, tax, legal, or accounting advice. You should consult with qualified professionals before making any investment, financial, or legal decisions.
7.2 Investment Risks
Investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Investment returns and principal value will fluctuate so that investors' shares, when redeemed, may be worth more or less than their original cost.
7.3 Accuracy of Information
We strive to provide accurate information, but we do not guarantee the accuracy, completeness, or timeliness of any information on the Service. The information may contain typographical errors, inaccuracies, or omissions. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update information at any time without prior notice.
7.4 Third-Party Content
The Service may contain content provided by third parties, including but not limited to links to third-party websites, advertisements, and user-generated content. We do not control, endorse, or assume responsibility for any third-party content. You access such content at your own risk.
7.5 Service Availability
We do not guarantee that the Service will be available at all times or that it will be error-free. The Service may be temporarily unavailable due to maintenance, technical issues, or factors beyond our control. We are not liable for any interruption or discontinuance of any or all functionality of the Service.
8. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CANADA INVESTMENT GUIDE AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:
- YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICE
- ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICE
- ANY CONTENT OBTAINED FROM THE SERVICE
- UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT
- ANY INVESTMENT OR FINANCIAL DECISIONS MADE BASED ON INFORMATION PROVIDED THROUGH THE SERVICE
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THE SERVICE DURING THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH JURISDICTIONS, OUR LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
9. Indemnification
You agree to defend, indemnify, and hold harmless Canada Investment Guide, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:
- Your violation of these Terms
- Your User Content
- Your use of the Service
- Your violation of any rights of another
10. Termination
We may terminate or suspend your Account and access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.
Upon termination, your right to use the Service will immediately cease. If you wish to terminate your Account, you may simply discontinue using the Service or contact us to request Account deletion.
All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
11. Governing Law
These Terms shall be governed and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to its conflict of law provisions.
Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Service shall be instituted exclusively in the courts of the Province of Ontario, although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms in your country of residence or any other relevant country.
12. Severability
If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.
13. Waiver
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.
14. Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised Terms. If you do not agree to the new Terms, please stop using the Service.
By using our Service, you acknowledge that you have read these Terms of Service, understand them, and agree to be bound by them. If you do not agree to these Terms of Service, you are not authorized to use the Service.
