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Terms & Conditions

Introduction

We publish our website terms and conditions (“Terms of Use and Conditions”) for everyone to see, at any time. By using our site or applying for a product on a website brought to you by Trustnet Financial, you are agreeing to the terms of use and conditions set forth below. These Terms of Use and Conditions constitute a legal contract between you and Trustnet Financial and cover all aspects of your use of the website brought to you by Trustnet Financial, including all of its pages, and, to the extent not superseded by the terms and conditions of any contract we may sign with you, of any product or service we may provide you.

If any of these Terms of Use and Conditions do not make sense, please consult a legal expert for a clarification.

Notice

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING OUR SITE AND ANY OF ITS PAGES (COLLECTIVELY, THE “TRUSTNET FINANCIAL”, “TRUSTNETFINANCIAL.COM” OR “OUR SITE”), YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS, YOU MUST LEAVE THE SITE NOW. IF AT ANY TIME YOU DO NOT AGREE WITH ANY OF THESE TERMS AND CONDITIONS, YOU MUST IMMEDIATELY CEASE YOUR USE OF THIS SITE.

Acceptance

By signing to the terms and conditions of use of this website you are acknowledging that you have carefully read and agreed to all the terms and conditions of use when dealing with Trustnet Financial.

The terms of use are guidelines for you to use or our website. If you use our website at any time, it is because you are automatically accepting to abide by these terms. It is therefore your responsibility to be familiar with these terms. If you do not agree with the terms, you must not use our website.

When you apply for a loan, you will be asked to explicitly agree to these terms.

By using our website you are also consenting to how we use cookies according to our cookies policy under Privacy Policy.

Eligibility

The products and services offered through our site are not available to persons under the age of 18 or to persons who are not legal residents of Canada, by visa or otherwise. By using this website you are confirming that you are situated one of the following Canadian provinces when using the website : Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Northwest Territories, Nova Scotia, Nunavut, Ontario, Prince Edward Island, Quebec, Saskatchewan, or Yukon.

Emails

Any correspondence between you and Trustnet Financial is strictly private and is intended for internal use only. Any unreasonable use of the information contained in correspondence between Trustnet Financial and its clients via email is considered a breach of privacy and constitutes a serious offence. Gathering email addresses from Trustnet Financial through harvesting or automated means is prohibited. Posting or transmitting unauthorised or unsolicited advertising, promotional materials, or any other forms of solicitation to other USERS is prohibited. Inquiries regarding a commercial relationship with Trustnet Financial should be directed to info@trustnetfinancial.com.

Intellectual Property Rights

The Website and its entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by the Company, its licensors or other providers of such material and are protected by Canadian and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.

You are permitted to use the Website for your personal, non-commercial use only. You must not copy, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the material on our site, except to:

  • Store copies of such materials temporarily in RAM.
  • Store files that are automatically cached by your Web browser for display enhancement purposes.
  • Print a reasonable number of pages of the Website for a permitted use.

Any print out of this Site, or portions of the Site, must include Trustnet Financial ‘s copyright notice. No right, title or interest in any of the materials contained on this Site is transferred to you as a result of accessing, downloading or printing such materials. You may not copy, modify, distribute, transmit, display, reproduce, publish, license any part of this Site; create derivative works from, link to or frame in another website, use on any other website, transfer or sell any information obtained from this Site without the prior written permission of Trustnet Financial. You may not use a part of this Website on any other Website, without Trustnet Financial’s prior written consent. You must not reproduce, sell or exploit for any commercial purposes any part of the Website, access to the Website or use of the Website or any services or materials available through the Website.

If you print, copy, modify, download or otherwise use any part of the Website in breach of the Terms of Use, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title or interest in or to the Website or any content on the site is transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the Website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark and other laws.

Trustnet Financial respects the intellectual property rights of others and expects our USERS to do the same. Trustnet Financial will terminate the accounts of repeat copyright offenders and other USERS who infringe upon the intellectual property rights of others. If you believe that your work has been copied in a way that constitutes copyright infringement, please contact us at info@trustnetfinancial.com.

Prohibited Uses

You may use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Website:

  • In any way that violates any applicable federal, provincial, local and international law or regulation (including, without limitation, any laws regarding the export of data or software to and from Canada or other countries).
  • For the purpose of exploiting, harming or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information or otherwise.
  • To send, knowingly receive, upload, download, use or re-use any material which does not comply with the Content Standards set out below in these Terms of Use.
  • To transmit, or procure the sending of, any advertising or promotional material, including any “junk mail”, “chain letter” or “spam” or any other similar solicitation.
  • To impersonate or attempt to impersonate the Company or a Company employee, another user, or person or entity (including, without limitation, the use of e-mail addresses associated with any of the foregoing).
  • To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which, as determined by us, may harm the Company or users of the Website or expose them to liability.

Additionally, you agree not to:

  • Use the Website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Website, including their ability to engage in real time activities through the Website.
  • Use any robot, spider or other automatic device, process or means to access the Website for any purpose, including monitoring or copying any of the material on the Website.
  • Use any manual process to monitor or copy any of the material on the Website or for any other unauthorized purpose without our prior written consent.
  • Use any device, software or routine that interferes with the proper working of the Website.
  • Introduce any viruses, Trojan horses, worms, logic bombs or other material which is malicious or technologically harmful.
  • Attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer or database connected to the Website.
  • Attack the Website via a denial-of-service attack or a distributed denial-of-service attack.
  • Otherwise attempt to interfere with the proper working of the Website.

Accessing the Website and Account Security

Certain areas of Trustnet Financial websites are accessible only to registered accountholders. In order to access the registered-accountholder-only areas of Trustnet Financial websites, you will need the username and password you have created, or have been provided with. You are not allowed to use any other person’s ID’s and password to access restricted information of the website.

You acknowledge that use of a username and a password is an adequate form of security. You are solely responsible for (1) authorizing, monitoring, controlling access to and maintaining the strict confidentiality of your username and password, (2) not allowing another person to use your username or password, (3) any charges or damages that may be incurred as a result of your neglect to maintain the strict confidentiality of your username and password, and (4) promptly informing Trustnet Financial in writing of any need to deactivate a username due to security or other concerns. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.

Trustnet Financial and its subsidiary websites are not liable for any harm related to the theft of usernames or passwords, disclosure of usernames or passwords, or your authorization to allow another person or entity to access and use Trustnet Financial websites using your username or password. You must immediately notify Trustnet Financial of any unauthorized use of your username or password and any breach of confidentiality. Until Trustnet Financial receives this notification from you, you will be held liable for any harm ensuing from the use of your username on Trustnet Financial and its subsidiary websites.

We reserve all the rights to disable your account at any moment without further explanation.

We reserve the right to withdraw or amend this Website, and any service or material we provide on the Website, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

You are responsible for ensuring that all persons who access the Website through your internet connection are aware of these Terms of Use, and that they comply with them.

To access the Website or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current and complete.

We have the right to disable any user identification code or password, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including, if in our opinion, you have failed to comply with any provision of these Terms of Use.

No Warranties

THE WEBSITE, AND ANY CONTENT, ARE PROVIDED TO YOU ON AN “AS IS,” “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND WHETHER EXPRESS, STATUTORY OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, SYSTEMS INTEGRATION, ACCURACY, AND NON-INFRINGEMENT, ALL OF WHICH TRUSTNET FINANCIAL AND ITS SUBSIDIARY WEBSITES EXPRESSLY DISCLAIMS. TRUSTNET FINANCIAL AND ITS SUBSIDIARY WEBSITES DO NOT ENDORSE AND MAKES NO WARRANTY AS TO THE ACCURACY, COMPLETENESS, CURRENCY, OR RELIABILITY OF THE CONTENT, AND TRUSTNET FINANCIAL AND ITS SUBSIDIARY WEBSITES WILL NOT BE LIABLE OR OTHERWISE RESPONSIBLE FOR ANY FAILURE OR DELAY IN UPDATING THE WEBSITE OR ANY CONTENT. WE HAVE NO DUTY TO UPDATE THE CONTENT OF THE WEBSITE. TRUSTNET FINANCIAL AND ITS SUBSIDIARY WEBSITES MAKE NO REPRESENTATIONS OR WARRANTIES THAT USE OF THE CONTENT WILL BE UNINTERRUPTED OR ERROR-FREE. YOU ARE RESPONSIBLE FOR ANY RESULTS OR OTHER CONSEQUENCES OF ACCESSING THE WEBSITE AND USING THE CONTENT, AND FOR TAKING ALL NECESSARY PRECAUTIONS TO ENSURE THAT ANY CONTENT YOU MAY ACCESS, DOWNLOAD OR OTHERWISE OBTAIN IS FREE OF VIRUSES OR ANY OTHER HARMFUL COMPONENTS. THIS WARRANTY DISCLAIMER MAY BE DIFFERENT IN CONNECTION WITH SPECIFIC PRODUCTS AND SERVICES OFFERED BY TRUSTNET FINANCIAL AND ITS SUBSIDIARY WEBSITES.

You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data.

The company hereby disclaims all warranties of any kind, either express or implied, statutory or otherwise, including but not limited to any warranties of merchantability, non-infringement and fitness for particular purpose. The foregoing does not affect any warranties which cannot be excluded or limited under applicable law.

Arbitration

Except as regarding any action seeking equitable relief, including without limitation for the purpose of protecting any Trustnet Financial and its subsidiary websites confidential information and/or intellectual property rights, any controversy or claim arising out of or relating to these Terms of Use or this Website shall be settled by binding arbitration in accordance with the provisions, in effect at the time the proceedings begin, of the Commercial Arbitration Act. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be held in the province of Ontario.

All information relating to or disclosed by any party in connection with the arbitration of any disputes hereunder shall be treated by the parties, their representatives, and the arbitrator as proprietary business information. Such information shall not be disclosed by any party or their respective representatives without the prior written authorisation of the party furnishing such information. Such information shall not be disclosed by the arbitrator without the prior written authorisation of all parties. Each party shall bear the burden of its own counsel fees incurred in connection with any arbitration proceedings.

Judgment upon the award returned by the arbitrator may be entered in any court having jurisdiction over the parties or their assets or application of enforcement, as the case may be. Any award by the arbitrator shall be the sole and exclusive remedy of the parties. The parties hereby waive all rights to judicial review of the arbitrator’s decision and any award contained therein.

Limitation of Liability

YOUR USE OF THE CONTENT IS AT YOUR OWN RISK. TRUSTNET FINANCIAL AND ITS SUBSIDIARY WEBSITES SPECIFICALLY DISCLAIMS ANY LIABILITY, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, FOR ANY DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH ACCESS TO, USE OF OR RELIANCE ON THE CONTENT (EVEN IF TRUSTNET FINANCIAL AND ITS SUBSIDIARY WEBSITES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) OR THAT ARISE IN CONNECTION WITH MISTAKES OR OMISSIONS IN, OR DELAYS IN TRANSMISSION OF, INFORMATION TO OR FROM THE USER, ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION OR DELIVERY, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORISED ACCESS TO, ALTERATION OF, OR USE OF RECORDS, PROGRAMS OR FILES, INTERRUPTIONS IN TELECOMMUNICATIONS CONNECTIONS TO THE WEBSITE OR VIRUSES, WHETHER CAUSED IN WHOLE OR IN PART BY NEGLIGENCE, ACTS OF GOD, TELECOMMUNICATIONS FAILURE, THEFT OR DESTRUCTION OF, OR UNAUTHORISED ACCESS TO THE WEBSITE OR THE CONTENT. THIS LIMITATION OF LIABILITY MAY BE DIFFERENT IN CONNECTION WITH SPECIFIC PRODUCTS AND SERVICES OFFERED BY TRUSTNET FINANCIAL AND ITS SUBSIDIARY WEBSITES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OF LIABILITY, SO THIS LIMITATION MAY NOT APPLY TO YOU.

Indemnity

You agree to defend, indemnify, and hold Trustnet Financial and its subsidiary websites, its officers, directors, employees, agents, licensors, and suppliers, harmless from and against any claims, actions or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, resulting from, or alleged to result from, your violation of these Terms of Use.

Credit Check

By submitting this application you are confirming that the information you provide is accurate, that Trustnet Financial has the right, with your authorization, to verify your credit and that Trustnet Financial has the right to contact your employer to verify that the information you provide concerning your employment is accurate.

Validity

As a registered USER, you may have other agreements with Trustnet Financial and its subsidiary websites. Those agreements are separate and distinct and are in addition to these Terms of Use. These Terms of Use do not modify, revise or amend the terms of any other agreements you may have with Trustnet Financial and its subsidiary websites.

If any of the conditions and terms of use is determined to be unlawful, the validity of the rest of the terms and conditions will remain valid and will be subject to enforcement according to need.

These terms and conditions are only intended to apply to Trustnet Financial and its clients. Third parties do not have the privilege to enforce nor benefit from the terms and conditions of this website.

Breaches of these Terms of Use

Breaches of these terms of use will be dealt as follows:

  1. A formal warning will be sent.
  2. Your access will be suspended.
  3. Your computer will be blocked using your IP address from accessing our website.
  4. Your internet provider will be contacted and your access to our website will be blocked.
  5. You will be brought to court for breaches of contract.
  6. Any content that you may have generated will be deleted or blocked permanently.

Information About You and Your Visits to the Website

All information we collect on this Website is subject to our Privacy Policy. By using the Website, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy. You represent and warrant that all data provided by you is accurate.

Links

This site may contain links to web sites controlled or offered by third parties (non-affiliates of Trustnet Financial and its subsidiary websites). Trustnet Financial and its subsidiary websites hereby disclaims liability for, any information, materials, products or services posted or offered at any of the third party sites linked to this web site. By creating a link to a third party web site, Trustnet Financial and its subsidiary websites does not endorse or recommend any products or services offered or information contained at that web site, nor is Trustnet Financial and its subsidiary websites liable for any failure of any products or services offered or advertised at those sites. Such third party may have a privacy policy different from that of Trustnet Financial and its subsidiary websites and the third party website may provide less security than the Trustnet Financial and its subsidiary websites site.

Geographic Restrictions

We provide this Website for use only by persons located in Canada and the U.S.A. We make no claims that the Website or any of its content is accessible or appropriate outside of Canada or the U.S.A. Access to the Website may not be legal by certain persons or in certain countries. If you access the Website from outside Canada or the U.S.A, you do so on your own initiative and are responsible for compliance with local laws.

Governing Law, Location and Miscellaneous

These Terms of Use shall be governed in all respects by the laws of the Province of Ontario, Canada, without reference to its choice of law rules. If an applicable law is in conflict with any part of the Terms of Use, the Terms of Use will be deemed modified to conform to the law. The other provisions will not be affected by any such modification.