Terms and Conditions
Last updated on August 12, 2026
Effective date on August 12, 2026.
I. ACCEPTANCE OF THE SITE TERMS AND CONDITIONS
These terms and conditions of this agreement (these “Terms”) govern the access and use of https://www.consolidatedcreditcanada.ca/ (the “Site”) and constitute a legal agreement by and between you and Consolidated Credit Counseling Services of Canada, Inc. (“CCCS of Canada,” “Company,” “we,” “us,” “our”). The following Terms govern your access to, and use of, our Site, our member portal (“Member Portal”) and/or our mobile app (“App”), including any content, functionality, products and services offered on or through the Site, Member Portal, or App (the “Services”).
TO ACCESS OR USE THIS SITE, OUR MEMBER PORTAL, OR APP, YOU MUST BE AT LEAST THE AGE OF MAJORITY IN YOUR PROVINCE OR TERRITORY OF RESIDENCE AND ABLE TO FORM A BINDING CONTRACT. BY ACCESSING OR USING THIS SITE, OUR MEMBER PORTAL, OR APP, OR BY CLICKING TO ACCEPT THE TERMS ANYWHERE REQUIRED, YOU AGREE THAT YOU ARE OF THE AGE OF MAJORITY AND CAPABLE TO FORM A BINDING AGREEMENT AS WELL AS THAT YOU ACCEPT AND AGREE TO BE BOUND AND COMPLY WITH THESE TERMS HEREIN, AS WELL AS OUR PRIVACY STATEMENT WHICH IS FOUND AT https://www.consolidatedcreditcanada.ca/privacy-statement/, AND IS INCORPORATED HEREIN BY REFERENCE. IF YOU DO NOT AGREE TO THESE TERMS OR OUR PRIVACY STATEMENT, YOU MUST NOT ACCESS OR USE THE SITE, THE MEMBER PORTAL, AND/OR THE APP. BY ACCESSING OR USING THIS SITE, THE MEMBER PORTAL, OR THE APP, YOU REPRESENT AND WARRANT THAT MEET ANY AND ALL OF COMPANY’S FOREGOING ELIGIBILITY REQUIREMENTS.>
II. MODIFICATIONS TO THE TERMS AND TO THE SITE
We reserve the right in our sole discretion to revise and update these Terms from time to time. Any and all such modifications are effective beginning on the tenth (10th) day following the date of posting and apply to all access to and continued use of the Site from that date until any subsequent modification. Any updates that will govern the Member Portal and App shall require you to affirmatively confirm accepting any revised Terms and/or Privacy Statement applicable at that time for your continued access and use of the Member Portal and App. You agree to periodically review the Terms in order to be aware of any such modifications and your continued use after the effective date shall be your acceptance of the then effective Terms. The information and material on this Site, the Member Portal and the App may be modified, withdrawn, or revamped at any time in our sole discretion without prior notice. We will not be liable if for any reason all or any part of the Site, the Member Portal, or the App is restricted to users or unavailable at any time or for any period.
III. YOUR USE OF THE SITE AND ACCOUNT SET-UP AND SECURITY
Users are responsible for obtaining their own machine and internet access required to access the Site. Users are required to ensure that all persons who access the Site through a user’s machine or internet connection are aware of, and agree to comply with, these Terms. Users are responsible for any security breaches or performance issues relating to accessing the Site, the Member Portal, or App.
The Site includes a Member Portal which contains content and/or areas of the Site that require user registration. The registration is only available to members of Company’s program. Other portions of the Site may include forms or other information fields to allow us to communicate with you. It is a condition of your use of the forms and registration for the Member Portal portion of the Site that all the information you provide is correct, current, and complete. Your provision of registration information and any submissions you make to the Site through any functionality such as live chat, e-mail, customer portal, profiles, and other such functions (collectively, “Interactive Functions”) constitutes your consent to our collection, use, and disclosure of your information for the purposes set out in, and otherwise in accordance with our Privacy Statement which is available at https://www.consolidatedcreditcanada.ca/privacy-statement/.
Any username, password, or any other piece of information chosen by you or provided to you as part of our security procedures to access the Member Portal or App, must be treated as confidential, and you must not disclose it to anyone. Should you provide your access to another individual, you understand and agree that we will treat any access to the Member Portal to be by you or on your behalf, and we will follow any instructions given through the Member Portal and App as given by you. You agree to notify us immediately of any unauthorized access to the Member Portal or App through the use of your username or password or any other breach of security impacting your Member Portal or App access or use. You are responsible for any password misuse or any unauthorized access if you fail to notify us of the unauthorized access. We recommend that you change your password periodically and use sufficiently difficult password which is hard to replicate.
We reserve the right at any time and from time to time, to disable or terminate your username, password, or other identifier, whether chosen by you or provided by us, in our sole discretion for any or no reason, including any violation of any provision of these Terms. We reserve the right at any time and from time to time, to disable or terminate your Member Portal account access or App access in our sole discretion for any or no reason.
As a condition of your use of the Site, the Member Portal, and App, you warrant to CCCS of Canada that you will not use the CCCS of Canada Sites for any purpose that is unlawful or prohibited by these terms, conditions, this Acceptable Use Policy (“AUP”) and/or notices.
The below prohibitions have been established by Us to comply with applicable law, ensure reliable and enjoyable service for all our users, ensure security and privacy of our (and any third party’s) network and systems, maintain Our reputation as law-abiding, honorable, and consumer-friendly company, and always preserve the privacy and security of each user’s personal information. The Site and the services may only be used for lawful purposes and under this AUP and the Terms of Use. As part of the AUP, you are prohibited from using the Site or the Service as follows:
- in any manner that violates any Canadian federal, provincial, or local law or regulation;
- to disparage, denigrate, insult, or otherwise make pejorative statements about Us and/or any of Our affiliates, directors, officers, employees, partners, brand, products, or service;
- to transmit any content or information that is offensive, lewd, pornographic, defamatory, libelous, harassing, tortious, abusive, illegal, prejudice, discriminatory, or otherwise inappropriate or objectionable;
- to transmit any marketing, advertising or promotional materials, including without limitation any “spam,” “junk mail,” or other deceptive or unsolicited bulk or commercial email;
- to modify, sub-license, adapt, translate, reverse engineer, sell, disassemble, or decompile any portion of the service and/or the Site’s functionality;
- to impersonate Consolidated Counseling Services of Canada (including any officer or employee), any user of our Site and/or service, or any other person or entity;
- accessing content and data that is not intended for you;
- attempting to breach or breaching the security and/or authentication measures which are not authorized;
- restrict, disrupt, or disable service to users, hosts, servers or networks;
- disrupting network services and otherwise disrupting Site owner’s ability to monitor the Site;
- use any robot, spider, or other automatic device, process, or means to access the Site for any purpose, including monitoring or copying any of the material on the Site;
- introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful;
- attack the Site via a denial-of-service attack, distributed denial-of-service attack, flooding, mailbombing or crashing;
- otherwise attempt to interfere with the proper working of the Site; and/or
- take any action that violates Our Terms or Privacy Statement.
IV. INTELLECTUAL PROPERTY RIGHTS AND OWNERSHIP
You understand and agree that the Site, the Member Portal, and App, and their entire content, features, and functionality, including but not limited to all information, software, code, text, displays, graphics, photographs, video, audio, design, presentation, selection, and arrangement, are owned by the CCCS of Canada, its licensors, or other providers of such material and are protected in all forms by intellectual property laws including without limitation, copyright, trademark, patent, trade secret, and any other proprietary rights.
The Company name (“Consolidated Credit Counseling Services of Canada, Inc.”, “Consolidated Credit,” “Consolidated Credit of Canada” and/or related words), the CCCS of Canada’s logo, and all related names, logos, product and service names, designs, images and slogans are trademarks of the Company or its affiliates or licensors. You are prohibited from, and must not make, use such marks without the prior express written permission of the Company. Other names, logos, product and service names, designs, images and slogans mentioned, or which appear on this Site, the Member Portal, and/or App are the trademarks of their respective owners, and CCCS of Canada has the right and license to display such names, logos, product and service names, designs, images and slogans. You are prohibited from, and must not make, use such marks of any other party appearing on our Site, the Member Portal, and/or App without the prior express written permission of the third-party owner of the marks. Use of any such property, except as expressly authorized, shall constitute a violation of the rights of the owner of said intellectual property and may be a violation of the Trademarks Act (Canada), the Copyright Act (Canada), or other applicable laws, including applicable provincial laws, which could subject the violator to legal action.
You may only use the Site, the Member Portal, App, and/or the Services for your personal benefit and non-commercial use. You are expressly prohibited from making any commercial use of the Site, the Member Portal, App, or the content, materials, Services provided therein. Users are prohibited from modifying or copying any materials from this Site, our Member Portal, and/or the App, nor delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials you may obtain from this Site, the Member Portal, and/or the App. If you print off, copy or download any part of our Site, the Member Portal, or our App in breach of these Terms, in addition to any cause of action Company may have against you, your right to access and use our Site, the Member Portal, or our App and/or the Services will cease immediately. You must, at our option, return and/or destroy any copies of the materials you have made and certify in writing that you did not retain any documents, materials, or information belonging to CCCS of Canada. You have no right, title, or interest in or to the Site, the Member Portal, and APP, or to any content on the Site, Member Portal, and/or App, and all rights are reserved by the Company. You acknowledge that you have a limited license to use the Site, Member Portal, and App in connection with our Services so long you follow these Terms and our Privacy Statement. Any use of the Site, the Member Portal, the App, and/or the Services not expressly permitted by these Terms shall be a breach of these Terms and may violate copyright, trademark, and other intellectual property laws.
V. CCCS OF CANADA MEMBER PORTAL AND APP
CCCS of Canada has developed a Member Portal and App to provide clients easier and faster access to important information governing their client accounts. Section V of these Terms provide specific terms governing access and use of our Member Portal and App.
- Members Portal.
- General Access. CCCS of Canada has established a Portal to provide clients with a secured way to access their account information and take certain actions associated with their CCCS of Canada debt management program. The member Portal is a locked portal requiring a unique username (which is assigned to you by CCCS of Canada) and unique password which you can set up upon registering with CCCS of Canada. You are required to maintain the username and password confidential and protect from unauthorized access of Portal. You understand and agree that Portal access may be suspended or terminated at any time should CCCS of Canada determines that you have violated these Terms, the AUP, or CCCS of Canada’s Privacy Policy or any rules and regulations that may be adopted by CCCS of Canada from time to time.
- Portal Services and Use of Portal. The portal provides you with access to your client account, and the ability to take certain action regarding your CCCS of Canada client account. You acknowledge and agree that CCCS of Canada Credit may rely on all actions you take on the Members Portal and instructions you provide CCCS of Canada. If you authorize or give another person access to your Members Portal, CCCS of Canada does not have the ability to determine it was not your action, and will presume that you have authorized these actions as you should be the sole person with access to your account. You understand and agree that CCCS of Canada shall not be liable for improper instructions by you, or self-serve actions that will impact your services or debt management program with CCCS of Canada. All information provided in the Members Portal shall be subject to CCCS of Canada’s Privacy Policy. You further agree that you will only use the Members Portal for purpose of obtaining or providing information, instructions, or take actions regarding your CCCS of Canada account, and for no other purpose. Actions initiated through the Portal may be irrevocable once submitted and may have significant consequences, including but not limited to: missed negotiations, returned payments, loss of accrued program benefits, and additional fees. CCCS of Canada is not liable for any consequences resulting from actions you initiate, authorize, or fail to take through the Members Portal. You are strictly prohibited from using the Members Portal for any illegal purpose or for actions that are contrary to these Terms.
- Portal services.Some of the services available to you through the portal include:
- Review your program documentations, and file;
- Review status of your creditors’ accounts, your payments, balances, and other information related to the debt management program;
- Give certain instructions to CCCS of Canada regarding your account, including: scheduling payment, changing upcoming payment dates, and other account features that may be added from time to time;
- Give the client access to certain financial education materials; and
- Any other features that CCCS of Canada may provide from time to time.
- No Liability for Portal Failures. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE PORTAL AND ALL CONTENT, DATA, CALCULATIONS, TOOLS, FEATURES, AND SERVICES MADE AVAILABLE THROUGH IT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. In addition, CCCS of Canada does not warrant the uptime or availability of the portal and is not responsible for any failures of the portal resulting from any glitches, bugs, internet failure, hosting services issues, and other failures beyond the control of CCCS of Canada.
- Portal Availability Maintenance and Interruption. CCCS of Canada may, at any time and without notice: (a) modify, suspend, or discontinue the Portal or any feature; (b) perform scheduled or emergency maintenance; or (c) impose limits on certain features or restrict access to parts or all of the Portal. The Company Parties shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Portal.
- Electronic Communications and Records. By using the Portal, you consent to receive communications, disclosures, notices, and records from the CCCS of Canada in electronic form, including through the Portal’s messaging features and the email address on file. You agree that electronic communications satisfy any legal requirement that such communications be in writing, to the extent permitted by law. You may withdraw this consent by contacting CCCS of Canada via [email protected] though doing so may limit your ability to use the Portal.
- Mobile App.
- In addition to the Members Portal, CCCS of Canada developed a mobile App to provide clients with a secured way to access their account with CCCS of Canada through the mobile phone, just as they can access their account through the Members Portal. By registering for the use of the App, you agree to abide by these Terms, and this Mobile App provision. The mobile App uses a single sign one method, meaning that your same user name and password for the Members’ Portal will serve as your login information for the App. Please ensure to protect your logging information and password in a secure manner.
- You agree that all actions taken through the mobile App shall be deemed actions authorized by you. You further agree that you will install the App only on your mobile device and will make use of the App for your own use only. If you lose access to your phone and believe that your username and password have been compromised, you are to immediately to let CCCS of Canada know and act through the CCCS of Canada Members’ Portal to change the password.
- You understand that if your phone does not meet the necessary requirements of the App, you may not be able to use the App on your phone. You also acknowledge and agree that CCCS of Canada is not responsible for any issues arising out of your use of the app store (e.g., Apple App Store or Google Play), and developer will not be responsible for any information the app store may collect from you. Downloading or using the App will require data to be transmitted and data rates may apply in accordance with your mobile phone plan. We have no control over such data costs and will not be liable for any said data costs.
- By using the App, you acknowledge and agree that you will only use it for purposes of communicating with CCCS of Canada and having access to your account information. You are prohibited from making use of the App for any illegal matter or for any purpose not connected with your client account with CCCS of Canada. CCCS of Canada is not responsible for any inability to use the app, or incompatibility with your device, or any downtime of which the App may be unavailable.
- The App has the function to send you with Push Notifications of important events and communications regarding your CCCS of Canada program and services. Push Notifications are an important method of communications with you regarding your program and/or important notices and service updates relating to your account. Although not required, CCCS of Canada highly recommend enabling Push Notifications on your device upon installing the App. To receive Push Notifications, you are required to actively “Enable” the Push Notification on your device. By enabling Push Notifications on your device, you acknowledge and agree that you may receive automated messages through the App directly to your phone concerning your program, your account, document requirements, approval requirements, and any other notification that are deemed important to your program. Depending on your device’s operating system you may be able to temporarily silence Push Notifications, or you may choose to disable Push Notifications altogether through your device.
- You understand that CCCS of Canada may update the App from time to time and add or remove features, or subject the App to additional terms governing the App. You agree that any such actions to modify the App or the Terms of the App shall be made in the sole and exclusive decision of CCCS of Canada. Furthermore, by using the App you agree that any dispute arising out of, or relating to the use of, the App shall be subject Governing Law and Jurisdiction provision in these Terms.
VI. CONDITIONS OF USE AND USER SUBMISSIONS AND SITE CONTENT STANDARDS
As a condition of your access and use of the Site, the Member Portal, and App, you agree that you may use the Site, the Member Portal, and App and the Services only for lawful purposes and in accordance with these Terms. The following content standards apply to all content, material, and information a user submits, posts, publishes, displays, or transmits (collectively, “submit”) to the Site, to other users or other persons (collectively, “User Submissions”) and any and all Interactive Functions. All User Submissions must comply with all applicable federal, provincial, local, and international laws and regulations.
Without limiting the foregoing, you warrant and agree that your use of the Site, the Services and any User Submissions shall not:
- In any manner violate any applicable federal, provincial, local, or international law or regulation including, without limitation, any laws regarding the export of data or software, patent, trademark, trade secret, copyright, or other intellectual property, legal rights (including the rights of publicity and privacy of others) or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations or that otherwise may be in conflict with these Terms and our Privacy Statement https://www.consolidatedcreditcanada.ca/privacy-statement/;
- Include or contain any material that is exploitive, obscene, harmful, threatening, abusive, harassing, hateful, defamatory, sexually explicit or pornographic, violent, inflammatory, or discriminatory based on race, sex, religion, nationality, disability, sexual orientation, or age or other such prohibited ground or be otherwise objectionable;
- Involve, provide or contribute any false, inaccurate or misleading information;
- Impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity (including, without limitation, by using email addresses, or screen names associated with any of the foregoing);
- Transmit, or procure the sending of, any advertisements or promotions without our prior written consent, commercial activities or sales, including without limitation any “spam”, “junk mail”, “chain letter”, contests, sweepstakes and other sales promotions, barter, or advertising or any other similar solicitation;
- Include engaging in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Site, or which, as determined by us, may harm the Company or users of the Site or expose them to liability;
- Include causing annoyance, inconvenience, or needless anxiety or be likely to upset, embarrass, or alarm any other person;
- Promote any illegal activity, or advocate, promote, or assist any unlawful act; and
- Give the impression that they originate from or are endorsed by us or any other person or entity if this is not the case.
VII. FEES
All charges payable by you for use of the Site, Member Portal, App (if any) and/or the Services provided therein shall be in accordance with the scale of charges and rates published from time to time by us on our Site or otherwise in writing to you, errors and omissions excepted and shall be due and payable in accordance with the terms of our Client Services Agreement. You agree that, except where otherwise specified by the Company, these fees are not refundable on any basis. We reserve the right to alter pricing, including ceasing to offer elements of the Services, which will be reflected in your Client Services Agreement or amendment to such agreement. The Company will inform you in writing if the charge for a service is to be altered.
VIII. SITE MONITORING AND ENFORCEMENT, SUSPENSION AND TERMINATION
The Company has the right, without provision of notice to take the following actions:
- Remove or refuse to post on the Site any User Submissions for any or no reason in our sole discretion;
- At all times, to take such actions with respect to any User Submission deemed necessary or appropriate in our sole discretion, including without limitation, for violating the Site and User Submissions and Site Content Standards or Terms;
- Take appropriate legal action, including without limitation, referral to law enforcement, regulatory authority or harmed party for any illegal or unauthorized use of the Site and/or the Services. Without limiting the foregoing, we have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Site; and
- Terminate or suspend your access to all or part of the Site for any or no reason, including without limitation, any violation of these Terms, the AUP, Privacy Policy, or any other rules that CCCS of Canada creates from time to time.
YOU WAIVE AND HOLD HARMLESS THE COMPANY AND ITS AFFILIATES, LICENSEES, TECHNOLOGY PROVIDERS, AND SERVICE PROVIDERS FROM ANY AND ALL CLAIMS RESULTING FROM ANY ACTION TAKEN BY THE COMPANY AND ANY OF THE FOREGOING PARTIES RELATING TO ANY, INVESTIGATIONS BY EITHER THE COMPANY OR SUCH PARTIES OR BY LAW ENFORCEMENT AUTHORITIES.
We have no obligation, nor any responsibility to any party to continuously monitor the Site, Member Portal, App, or their use. We cannot ensure prompt removal of objectionable material after it has been posted or submitted to the Site, Member Portal, or App and we have no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party.
IX. NO RELIANCE
The content on our Site, Member Portal, or App, is provided for general information purposes only. It is not intended to amount to advice on which you should rely. You must obtain more specific or professional advice before taking, or refraining from, any action or inaction based on the content on our site. Although we make reasonable efforts to update the information on our Site, Member Portal, or App, we make no representations, warranties or guarantees, whether express or implied, that the content on our Site, Member Portal, or App is accurate, complete or up to date. Your use of the Site, Member Portal, or App and the Services is at your own risk, and the Company has no responsibility or liability whatsoever for your use of this Site, Member Portal, or App and the Services.
This Site, Member Portal, or App may include content provided by third parties, including from other users and third-party licensors. All statements and/or opinions expressed in any such third-party content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. Such materials do not necessarily reflect the opinion of the Company. The Company is not responsible, or liable to you or any third party, for the content or accuracy of any third-party materials.
X. THIRD PARTY SITES
For your convenience, this Site, Member Portal, or App may provide links or pointers to third party sites. We make no representations about any other Sites that may be accessed from this Site, Member Portal, or App. If you choose to access any such sites, you do so at your own risk. We have no control over the contents of any such third-party sites and accept no responsibility for such sites or for any loss or damage that may arise from your use of them. You are subject to any terms and conditions of such third-party sites.
The appearance of a link on the Company’s Site does not constitute an endorsement, recommendation or certification by the Company, nor should the presence of a link in any way be construed as a suggestion that the site has any relationship with the Company.
XI. GEOGRAPHIC RESTRICTIONS
The owner of the Site, Member Portal, or App is based in the Province of Ontario in Canada. This Site, Member Portal, or App is not intended for use in any jurisdiction where its use is not permitted. If you access the site from outside Canada, you do so at your own risk and you are responsible for compliance with local laws of your jurisdiction. You understand that we do not provide services to non-Canadian residents.
XII. DISCLAIMER OF WARRANTIES
YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE SITE, THE MEMBER PORTAL, THE APP, THEIR CONTENT, AND THE SERVICES, PRODUCTS OR ITEMS FOUND OR ATTAINED THROUGH THE SITE, THE MEMBER PORTAL, THE APP, IS AT YOUR OWN RISK. THE SITE, THE MEMBER PORTAL, THE APP, THEIR CONTENT, AND ANY THE SERVICES OR ITEMS FOUND OR ATTAINED THROUGH THE SITE, THE MEMBER PORTAL, THE APP, ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
NEITHER THE COMPANY NOR ANY AFFILIATES NOR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS OR SERVICE PROVIDERS MAKES ANY WARRANTY, REPRESENTATION OR ENDORSEMENT WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, SUITABILITY, ACCURACY, CURRENCY OR AVAILABILITY OF THE SITE, THE MEMBER PORTAL, THE APP, OR THEIR CONTENTS. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANY AFFILIATES NOR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS OR SERVICE PROVIDERS REPRESENTS OR WARRANTS THAT THE SITE, ITS CONTENT, OR ANY OF THE SERVICES OR ITEMS FOUND OR ATTAINED THROUGH THE SITE, THE MEMBER PORTAL, THE APP, WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
WE CANNOT AND DO NOT GUARANTEE OR WARRANT THAT FILES OR DATA AVAILABLE FOR DOWNLOADING FROM THE INTERNET OR THE SITE, THE MEMBER PORTAL, THE APP, WILL BE FREE OF VIRUSES OR OTHER DESTRUCTIVE CODE. YOU ARE SOLELY AND ENTIRELY RESPONSIBLE FOR YOUR USE OF THE SITE, THE MEMBER PORTAL, THE APP, AND/OR THE SERVICES, AND YOUR COMPUTER, INTERNET AND DATA SECURITY.
TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY DENIAL-OF-SERVICE ATTACK, DISTRIBUTED DENIAL-OF-SERVICE ATTACK, OVERLOADING, FLOODING, MAILBOMBING OR CRASHING, VIRUSES, TROJAN HORSES, WORMS, LOGIC BOMBS, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE SITE, THE MEMBER PORTAL, THE APP, OR ANY OF THE SERVICES OR ITEMS FOUND OR ATTAINED THROUGH THE SITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY SITE, THE MEMBER PORTAL, THE APP, LINKED TO IT.
XIII. LIMITATION ON LIABILITY
UNDER NO CIRCUMSTANCE WILL THE COMPANY, ITS AFFILIATES AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, TECHNOLOGY PROVIDERS, OR SERVICE PROVIDERS BE LIABLE FOR NEGLIGENCE, GROSS NEGLIGENCE, INCLUDING THOSE ARISING FROM CLAIMS OF MISREPRESENTATION ON THE SITE, THE MEMBER PORTAL, THE APP, FUNDAMENTAL BREACH, DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, BREACH OF PRIVACY OR OTHERWISE, EVEN IF THE PARTY WAS ALLEGEDLY ADVISED OR HAD REASON TO KNOW, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, RELIANCE ON, THE SITE AND/OR THE SERVICES, ANY LINKED SITES OR SUCH OTHER THIRD PARTY SITES, NOR ANY SITE CONTENT, MATERIALS, POSTING OR INFORMATION THEREON.
XIV. INDEMNIFICATION
To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless the Company, its affiliates, and their respective directors, officers, employees, agents, service providers, contractors, 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 breach of these Terms or your use of the Site, Member Portal, and App, including, but not limited to, your User Submissions, third party sites, any use of the Site, Member Portal, and App’s content, the Services, and products other than as expressly authorized in these Terms.
XV. GOVERNING LAW AND JURISDICTION
The Site, Member Portal, and App and these Terms will be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without giving effect to any choice or conflict of law provision, principle or rule (whether of the laws of the Province of Ontario or any other jurisdiction) and notwithstanding your domicile, residence or physical location.
Any action or proceeding arising out of or relating to this Site, Member Portal, and App and under these Terms will be instituted in the courts of the province of Ontario and/or the Federal Court of Canada, and each party irrevocably submits to the exclusive jurisdiction of such courts in any such action or proceeding. You waive any and all objections to the exercise of jurisdiction over you by such courts and to the venue of such courts.
XVI. SOCIAL MEDIA GUIDELINES
The Terms of this Site, Member Portal, and App extend to the use of any and all social media pages on Facebook, Pinterest, Twitter, Instagram, or LinkedIn, or YouTube, or post any reviews or comments regarding your use of the Service on these social media services or third-party websites, we ask you to follow the following guidelines:
- The Company reserves the right to remove, block and/or delete any comments or terminate or suspend your access to all or part of the social media accounts, for any reason in our sole discretion;
- By using all social media pages, you verify that all information submitted is accurate and factual. Negative comments and/or complaints posted by you may be construed as claims about the Company and may be subject to legal claims;
- You further agree to privatively contact the Company with any concerns or suggestions prior to, and in replace of, posting publicly.
XVII. GENERAL
No waiver under these Terms is effective unless it is in writing and signed by an authorized representative of the party waiving its right. No failure to exercise, or delay in exercising, any right, remedy, power or privilege arising from these Terms operates, or may be construed, as a waiver thereof. No single or partial exercise of any right, remedy, power or privilege hereunder precludes any other or further exercise thereof or the exercise of any other right, remedy, power or privilege. If any term or provision of these Terms is invalid, illegal or unenforceable in any jurisdiction, such invalidity, illegality or unenforceability shall not affect any other term or provision of these Terms or invalidate or render unenforceable such term or provision in any other jurisdiction. These Terms and our Privacy Statement constitute the sole and entire agreement between you and Consolidated Credit Counseling Services of Canada, Inc. regarding the Site and supersedes all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, regarding such subject matter.
