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Terms and Conditions of Use

  1. USE OF WEBSITE

Finloc 2000 Inc. and its subsidiaries (the “Company” or “Finloc 2000”) provides a website that allows you to create a profile in order to access information relating to the Manac products that you have purchased (the “Website”). The terms “we”, “us”, and “our” used in the Terms refer to the Company. The term “you” and “your” refer to users of the Website. The Website is available online at https://www.finloc.com. Your use of the Website is subject to the following terms and conditions of use (the “Terms”) and all laws applicable to the Website. By accessing or using the Website, you accept, without limitation or qualification, the Terms. If you do not agree with any of the Terms, please do not use the Website.

IMPORTANT NOTICE REGARDING ARBITRATION FOR US TRANSACTIONS (AS DESCRIBED IN SECTION 19 HEREOF): WHEN YOU AGREE TO THESE TERMS YOU ARE AGREEING (WITH LIMITED EXCEPTION) TO RESOLVE ANY DISPUTE BETWEEN YOU AND FINLOC 2000 THROUGH BINDING, INDIVIDUAL ARBITRATION RATHER THAN IN COURT. PLEASE REVIEW CAREFULLY SECTION 27 “DISPUTE RESOLUTION” BELOW FOR DETAILS REGARDING ARBITRATION (INCLUDING THE PROCEDURE TO OPT OUT OF ARBITRATION). 

Changes to Terms or Website: Technology and the Website, as well as the laws applicable to them, frequently change. Accordingly, the Company reserves the right to update the Terms (or any portion thereof) applicable to the Website at any time, and from time to time, at the Company’s sole discretion. We will notify you of any such updates to the Terms by posting such updated Terms on the Website, your continued use of the Website will require your acceptance of the new terms and other policies, as modified, and upon acceptance, you will be bound by said new terms and policies. 

The Website is available in Canada and the United States only. The Website is not intended for access or use outside Canada or the United States. You are solely responsible for ensuring that your access to the Website and the information and material available on or through it are legal in each jurisdiction in or through which you access or view the Website and such information and material.

  1. ACCEPTABLE USE POLICY 

As a condition of your use of the Website, you hereby represent and warrant to the Company that you: 

  • will only use the Website for lawful purposes in accordance with the Terms and our online Privacy Policy; 
  • will not discriminate against or harass anyone on the basis of race, national origin, religion, gender, gender identity, physical or mental disability, medical condition, marital status, age or sexual orientation, or otherwise engage in any violent, harmful, abusive or disruptive behavior in connection with your use of the Website; 
  • have the necessary authority to enter into these Terms and be bound by the Terms; 
  • agree to honor our intellectual property rights; 
  • agree to provide us with accurate, current and complete information as necessary for the proper use of the Website and to take responsibility for the information you provide; 
  • acknowledge that we may be unable to process and shall have no responsibility to process requests the accuracy of which we cannot validate; 
  • agree not to create a link (other than personal “bookmark” or “favorites” entry) to the Website without first obtaining our written permission; 
  • will not access, tamper with, or use non-public areas of the Website, Finloc 2000’s computer systems, or the technical delivery systems of Finloc 2000’s providers;
  • will not attempt to probe, scan or test the vulnerability of any Finloc 2000 system or network or breach any security or authentication measures;
  • will not bypass, remove, deactivate, impair, descramble or otherwise circumvent any technological measure implemented by Finloc 2000 or any of Finloc 2000’s providers or any other third party (including another user) to protect the Website;
  • will not create extensions of, products related to, or that interoperate with, the Website, except to the extent that such restriction is expressly prohibited by law without possibility of contractual waiver; 
  • will refrain from using profane, vulgar, inflammatory, libelous, or similarly discourteous language in any e-mail or form entry created through the Website;
  • will not interfere or attempt to interfere with the operation of the Website in any way through any means or device including, but not limited to, spamming, hacking, uploading computer viruses or time bombs, or other means expressly prohibited by any provision of the Terms; and 
  • will not interfere with anyone’s ability to use or enjoy the Website, or aid or encourage any activity prohibited by these Terms. 
  1. PRIVACY 

Protecting your privacy is important to us. Our privacy practices respecting the information we collect during your use of the Website are explained in our Privacy Policy, the terms of which are hereby incorporated herein by reference. You acknowledge and agree that your use of the Website is subject to our Privacy Policy.

  1. ELIGIBILITY

The Website is intended solely for persons who have reached the legal age of majority in their respective state, province or territory. Any use of the Website by anyone under the applicable age of majority is expressly prohibited. If you use the Website, you represent and warrant that you are of legal age to enter into any agreement and become bound by its terms and are otherwise legally permitted to use the Website. 

  1. USER ACCOUNT AND REGISTRATION

In order to access the Website, you must sign-up for an account with us by providing all required information and documentation, including without limitation the following information: your name, contact information, amount of authorized line of credit, sales figures, federal tax ID number and principal shareholders information if applicable (including their contact information, date of birth, social security number, property assessment, mortgage balance and total investments and other liabilities). You are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, mobile device and your account, and you agree to accept responsibility for all activities that occur under your account or password. The Company reserves the right to refuse service or terminate accounts in its sole discretion.

  1. VERIFICATION

When you create an account, you provide us with certain information about yourself to enable us to verify your identity. You covenant to provide complete and accurate information to the Company about yourself . The Company has the right, but not the obligation, to undertake screenings, checks, and processes designed to help verify or check the identities and/or backgrounds of the users.

  1. YOUR INFORMATION

You undertake to update the information you have provided on the Website in the event of any changes. Specifically with respect to your contact information, the Company may deliver notices to you at the most recent email, telephone, or address provided by you, and those notices will be considered valid even if you no longer maintain the email account, telephone number, or receive mail at that address unless you provide updated contact information to us. You are, and will be solely responsible for, all of the activity that occurs through your account, except to the extent caused solely by the gross negligence or willful misconduct of Finloc 2000, so please keep your password and account information secure. You agree that you will not disclose your password to any third party and that you will be solely responsible for any activities or actions under your account, whether or not you have authorized such activities or actions. You will immediately notify the Company of any actual or suspected unauthorized use of your account. We are not responsible for your failure to comply with this Section, or for any delay in deactivating your account after you have reported unauthorized access to us.

  1. CONSENT TO USE ELECTRONIC DOCUMENTS 

You hereby consent to the exchange of information and documents between you and the Company, over the Internet or by e-mail, and you agree that the Terms, together with any other applicable documents in electronic form shall be the equivalent of an original written paper agreement. You further agree that all agreements, notices, disclosures and other communications that we may provide to you electronically satisfy any legal requirement that such communications be in writing.

  1. EXCLUSION AND DISCLAIMER OF WARRANTIES 

THE COMPANY MAKES NO REPRESENTATION OR WARRANTY REGARDING THE FUNCTIONALITY, THE GOOD WORKING ORDER OR CONDITION OF THE WEBSITE, ITS SUITABILITY FOR USE, OR THAT ITS USE, OR ANY INFORMATION OR MATERIAL, INCLUDING ANY DOWNLOADABLE SOFTWARE, ACCESSED FROM OR THROUGH THE WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE. THE COMPANY DOES NOT REPRESENT, WARRANT OR UNDERTAKE THAT ANY ERRORS ON OR RELATING TO THE WEBSITE WILL BE CORRECTED, OR THAT ANY SERVER FROM WHICH THE WEBSITE IS OPERATED IS OR WILL BE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS. 

THE WEBSITE AND ITS CONTENTS ARE NOT TO BE CONSTRUED AS AN OFFER TO SELL ANY PRODUCT OR SERVICE.

IF YOU CHOOSE TO USE THE WEBSITE, YOU DO SO VOLUNTARILY AT YOUR OWN RISK. EXCEPT AS EXPRESSLY PROVIDED FOR IN THE TERMS AND OUR PRIVACY POLICY, THE WEBSITE AND ALL MATERIALS AND INFORMATION PROVIDED THROUGH OR ON THE WEBSITE ARE PROVIDED TO YOU ON AN “AS IS” BASIS AND THE COMPANY DOES NOT MAKE OR GIVE ANY REPRESENTATION, WARRANTY OR CONDITION OF ANY KIND, WHETHER EXPRESS OR IMPLIED, WRITTEN OR ORAL, STATUTORY OR OTHERWISE, INCLUDING WITHOUT LIMITATION (i) WARRANTIES AS TO UNINTERRUPTED OR ERROR-FREE TRANSACTIONS, PRIVACY, OR SECURITY, (ii) ACCURACY, ADEQUACY OR COMPLETENESS OF THE WEBSITE AND THE CONTENT THEREOF, THE INFORMATION, MATERIALS AND FUNCTIONS MADE ACCESSIBLE BY THE SOFTWARE USED ON OR ACCESSED THROUGH THE WEBSITE, ANY PRODUCTS OR SERVICES OR HYPERTEXT LINKS TO THIRD PARTIES; OR (iii) MERCHANTABILITY, QUALITY, TITLE, DURABILITY, SUITABILITY, NON- INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE, OR THOSE ARISING OUT OF A COURSE OF DEALING OR USAGE OF TRADE. THESE EXCLUSIONS ARE IN ADDITION TO ANY SPECIFIC EXCLUSION OTHERWISE PROVIDED IN THE TERMS. 

BECAUSE CERTAIN FEDERAL OR PROVINCIAL LAWS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES, THESE EXCLUSIONS MAY NOT APPLY TO YOU. 

THIS SECTION SHALL SURVIVE THE TERMINATION OR EXPIRY OF THESE TERMS. 

  1. INDEMNIFICATION 

By using the Website you hereby agree to indemnify, defend and hold harmless the Company from and against any and all losses, damages, liabilities, and claims and all fees, costs, expenses, of any kind related thereto (including, without limitation, reasonable attorneys’ fees) incurred by the Company in connection with any claim arising out of, based upon or resulting from your use of the Website, including without limitation: your negligence, willful misconduct, and violation of applicable law, your Materials (as defined below), including in each instance, any intellectual property infringement in connection therewith. The Company reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and you shall not, in any event, settle any matter without the written consent of the Company. 

FOR THE PURPOSES OF THIS SECTION, “COMPANY” SHALL INCLUDE THE COMPANY’S RESPECTIVE DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, MANDATARIES, CONTRACTORS, LICENSORS, LICENSEES, AND THIRD-PARTY SUPPLIERS. 

Likewise, the Company agrees to indemnify, defend and hold you harmless from and against any and all losses, damages, liabilities, and claims and all fees, costs, expenses of any kind related thereto (including, without limitation, reasonable attorneys’ fees) incurred by you in connection with any claim arising out of, based upon or resulting from the Company’s breach of the Privacy Policy or the gross negligence or willful misconduct of the Company.

THIS SECTION SHALL SURVIVE THE TERMINATION OR EXPIRY OF THESE TERMS. 

  1. LIMITATION OF LIABILITY 

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE COMPANY BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, HOWEVER CAUSED AND REGARDLESS OF THE CAUSE OF ACTION UNDER WHICH THEY ARISE, INCLUDING BUT NOT LIMITED TO, ANY LOST DATA, LOST PROFITS, LOST SAVINGS, LOST REVENUE, LOSS OF GOODWILL, LOST BUSINESS OPPORTUNITY, LOSS OF USE OR LACK OF AVAILABILITY OF FACILITIES INCLUDING COMPUTER RESOURCES, ROUTERS, AND STORED DATA, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THE WEBSITE, INCLUDING WITHOUT LIMITATION THE MATERIALS OR INFORMATION PROVIDED THROUGH THE WEBSITE, EVEN IF THE COMPANY OR ANY OF ITS LAWFUL AGENTS, CONTRACTORS, EMPLOYEES OR MANDATARIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR CLAIM.

IN PARTICULAR, AND WITHOUT LIMITING THE PRECEDING PARAGRAPH, IN NO EVENT WILL THE COMPANY BE LIABLE TO YOU FOR DAMAGES OR LOSSES RESULTING FROM VIRUSES, DATA CORRUPTION, FAILED MESSAGES, DAMAGES ARISING AS A RESULT OF TRANSMISSION ERRORS OR PROBLEMS, TELECOMMUNICATIONS SERVICE PROVIDERS, THE COMPANY’S CONTRACTORS, THE INTERNET BACKBONE, THIRD-PARTY SUPPLIERS OF SERVICES, DAMAGES OR LOSSES CAUSED BY YOU, OR YOUR RESPECTIVE EMPLOYEES, AGENTS, MANDATARIES OR SUBCONTRACTORS, OR OTHER EVENTS BEYOND THE REASONABLE CONTROL OF THE COMPANY. 

IF, DESPITE THE LIMITATIONS ABOVE, THE COMPANY IS FOUND LIABLE FOR ANY DAMAGE OR LOSS IN CONNECTION WITH THE WEBSITE, TO THE MAXIMUM CASE PERMITTED BY APPLICABLE LAW, IN NO CASE WILL THE COMPANY’S TOTAL LIABILITY ARISING UNDER ANY CAUSE WHATSOEVER BE FOR MORE THAN, IN THE AGGREGATE, $100. THE LIMITATIONS OF LIABILITY IN THIS PARAGRAPH WILL NOT APPLY TO THE EXTENT CAUSED BY GROSS NEGLIGENCE OR WILLFUL MISCONDUCT. 

CERTAIN FEDERAL, STATE, OR PROVINCIAL LAWS MAY NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS. 

FOR THE PURPOSES OF THIS SECTION, “THE COMPANY” SHALL INCLUDE THE COMPANY’S RESPECTIVE DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, MANDATARIES, CONTRACTORS, AND THIRD-PARTY SUPPLIERS. THIS SECTION SHALL SURVIVE THE TERMINATION OR EXPIRY OF THESE TERMS. 

  1. COPYRIGHTS AND TRADEMARKS 

Material on the Website, including but not limited to texts, images, illustrations, articles, photographs, software, audio clips and video clips, is owned or otherwise provided by the Company, and the Company does not represent or warrant that such material does not infringe the rights of any other person or entity. The material on the Website is protected by the copyright law and by virtue of the applicable international conventions and treaties. The Company is the owner of the copyright in the Website and, consequently, the material on the Website may not be copied, reproduced, republished, downloaded, posted, transmitted, distributed or modified, in whole or in part in any form whatsoever, including but not limited to text, audio or video, without the prior written consent of the Company. Trademarks, logos and service marks (collectively, the “Marks”) displayed on the Website are registered or unregistered Marks of the Company or others, are the property of their respective owners, and may not be used without written permission of the owner of such Marks. Nothing on the Website is to be interpreted as conferring a right to use the Marks or the material protected by the Copyright Act (Canada) or equivalent legislation. 

Notwithstanding the foregoing, the Company authorizes you to make one electronic or paper copy of the information posted on any page of the Website provided that the copy is used solely for non- commercial, personal business purposes and, in each and every case, provided that any such copy remains protected by all copyright, trademarks, service marks and other proprietary notices and legends contained on any such page of the Website. This license does not include any resale of the Website or its contents; any collection of product listings, descriptions or prices; any other derivative use of the Website or its contents; any downloading or copying of information for the benefit of any merchant; or any use of data mining, robots, or similar data gathering and extraction tools. You may not frame or utilize framing techniques to enclose any page on the Website or any trademark, logo or other proprietary information (including images, text, page layout, or form) of the Company without express written consent of the Company. You may not use any meta tags or any other “hidden text” utilizing the Company’s name or trademarks without the express written consent of the Company. Any unauthorized use of the Website and/or its contents terminates the permission or license granted by the Company. 

Except as otherwise may be expressly provided herein, nothing contained in the Terms shall be construed as conferring by implication, estoppel or otherwise any license or right under any present and future copyright, patent, trademark or other intellectual property right of the Company or any other person or entity.

  1. YOUR MATERIAL AND MARKS 

The Company is not responsible for the accuracy or completeness of any text, image, video, audio, or any information, content, Marks or other materials you may introduce into or post through the Website or any other Company websites (collectively, your “Material”). You acknowledge and agree that your Material does not necessarily reflect the views, ideas or opinions of the Company or any of its divisions, affiliates, subsidiaries, directors, officers, shareholders, employees, agents, contractors and suppliers and that we disclaim any and all responsibility for any of your Material.

Any Material provided by you remains your property. However, by posting messages, uploading files, inputting data or engaging in any other form of communication to or within the Website, you hereby grant the Company a perpetual, worldwide, irrevocable, non-exclusive, royalty-free license to use, copy, license, sublicense, adapt, distribute, display, publicly perform, reproduce, transmit modify, edit and otherwise exploit the content of your communications and any ideas or original materials contained therein, in all media now known or hereafter developed by the Company (a) to the extent necessary to provide and enhance the Website; and (b) to create aggregated and anonymized market research statistics and insights in respect of the persons that use the Website. You hereby waive all rights you may have to inspect and/or approve of any use by the Company of any material or ideas submitted by you or the right to receive any compensation for such use. You waive all rights to any claim against the Company for any alleged or actual infringements of any proprietary rights, rights of privacy and publicity, moral rights, and rights of attribution in connection and conformance with any of the foregoing. The Company may not use any of your trade names, trademarks, or logos without your prior consent, it being understood that any decision made by you to upload or use your trade names, trademarks, or logos on the Website shall be deemed made with your consent. You agree and understand that the Company is under no obligation to use any material or ideas submitted by you in any way whatsoever.

You hereby acknowledge and agree that any or all information and Material provided by you through your use of the Website may be included in a database owned by the Company in which we have rights and interests, including but not limited to, the compilation copyright, and we reserve the right to use any information or materials you provide to us or that we obtain through your use of the Website to the fullest extent permitted by law and these Terms. You therefore consent to the Company using any such information or material provided, in whole or in part by any means whatsoever, including reproducing, retransmitting or publishing this information or material or ideas, concepts or other information contained therein in an aggregated and anonymized form for the commercial purposes of the Company, in accordance with the Terms and the Company’s Privacy Policy.

You are solely responsible for all your Material. You represent and warrant that you have (and will have) all rights that are necessary to grant us the license rights in your Material under these Terms. You represent and warrant that neither your Material, nor your use and provision of your Material to be made available through the Website, nor any use of your Material by the Company on or through the Website will infringe, misappropriate or violate a third party’s intellectual property rights, or rights of publicity or privacy, or result in the violation of any applicable law or regulation.

You can remove your Material by specifically deleting it. You should know that in certain instances, some of your Material (such as posts or comments you make) may not be completely removed and copies of your Material may continue to exist on the Website. To the maximum extent permitted by law, we are not responsible or liable for the removal or deletion of (or the failure to remove or delete) any of your Material.

  1. FEEDBACK; CONFIDENTIALITY; DATA PRIVACY AND SECURITY 

Other than your account information and your information needed to access the Website, the Company does not wish to receive Material from you that is confidential, secret or proprietary information. 

Feedback:

We appreciate feedback, comments, ideas, proposals and suggestions for improvements to the Website (“Feedback”). If you choose to submit Feedback, you agree that we are free to use it without any restriction or compensation to you provided however, that Company shall not, without your prior approval, use the Feedback to the extent a third-party reviewing the Feedback could identify you or your customers.

Furthermore, you acknowledge that unprotected e-mail communications and other transmissions over the Internet are not confidential and may be subject to possible interception, alteration or loss. You acknowledge and agree that by submitting any such communications to the Company, no confidential, fiduciary, contractually implied or other relationship is created between you and the Company other than pursuant to the Terms. The Company shall not be responsible for the payment of any monies to any other party in connection with the Company’s use of any information or material provided by you to the Company or the Website. You also represent and warrant that any and all such information or Material which you provide to the Company, whether provided by you electronically by accessing or using the Website or otherwise, and the Company’s use of this information and Material so provided as permitted in the Terms, does not infringe the rights of any other person or entity. 

Confidentiality: 

In the course of performance of these Terms, the parties may exchange confidential information, including but not limited to, (i) business, marketing, operations and/or technical information, (ii) financing documents, dealings and arrangements, disclosed by either party which is marked with a confidential or proprietary data legend indicating that such information is the confidential information of the disclosing party (“Confidential Information”). The term Confidential Information shall also include (a) location and customer data, other than on an aggregated basis, (b) Personal Data (as defined hereunder), and (c) any other information which by its nature or the circumstances surrounding its disclosure would reasonably be considered confidential.

During the term of these Terms and for a period of three (3) years following the closure of the user account, the receiving party shall exercise the same degree of care to prevent unauthorized use or disclosure of Confidential Information to others as it takes to preserve and safeguard its own Confidential Information, but in any event, no less than a reasonable degree of care. The receiving party shall use the Confidential Information of the disclosing party only for the purpose of enabling each of the parties to perform its business relationship with the other as described in these Terms. The receiving party shall not directly or indirectly disclose such Confidential Information to any person or company without the prior written approval of the disclosing party; provided however, that the receiving party may disclose the Confidential Information to its (i) employees who have a need to know such Confidential Information in connection with these Terms, namely in order to administer the Website, or (ii) agents, mandataries, contractors or suppliers who have executed a nondisclosure agreement affording at least the same confidentiality obligations as described herein. 

The restrictions on the receiving party’s use and disclosure of Confidential Information shall not apply to any Confidential Information which the receiving party can demonstrate: (i) is wholly and independently developed by the receiving party without the use of Confidential Information of the disclosing party; (ii) is or has become generally available to the public without breach of these Terms by the receiving party; (iii) at the time of disclosure, was known to the receiving party and free of restriction; or (iv) is approved for release by written authorization of the disclosing party. 

Disclosure of Confidential Information in response to a valid order of a court or other governmental agency shall not be a breach of this Section, if the disclosure is limited to the extent of and for the purposes of such order; provided, however, that the receiving party shall first notify the disclosing party in writing of the order and permit the disclosing party to seek a protective order, unless such notification is otherwise prohibited by law. 

Subject to any information provided by user to Company which has been aggregated, cumulated or integrated into unidentifiable proprietary Company data and statistics, any and all Confidential Information disclosed shall remain the property of the disclosing party. Within ten (10) days following the receipt of a written notice by the disclosing party, the receiving party shall, at the disclosing party's option, delete and certify that it has deleted, all copies in its possession or control of any and all documents, computer files and other materials that contain any segregated and identifiable Confidential Information of the disclosing party. However, if Company is required by law to retain the Confidential Information or if the Confidential Information is stored in a manner such that it cannot readily be returned or destroyed without affecting other data, then Company shall continue to protect such Confidential Information in accordance with these Terms and limit any use to the purpose of such retention. 

Data Privacy and Security:

To the extent that the Company receives, processes, or transmits Personal Data, Company shall take all appropriate measures to comply with the terms of its Privacy Policy and all applicable Data Protection Laws. For purposes of these Terms, “Data Protection Laws” means all international, federal, national, provincial, and state privacy and data protection laws and regulations to the extent applicable to Company.

For purposes of these Terms, the term “Personal Data” means information relating to an identified or identifiable natural person processed by Company or its agents, mandataries, subcontractors or suppliers on your behalf to use the Website. An identifiable natural person is a natural person who can be identified, directly or indirectly, in particular by reference to an identifier such as (but not limited to) a name, an identification number, location data, an online identifier, financial information or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person. Subject to the foregoing restrictions, Company may utilize Personal Data for internal purposes such as auditing, data analysis, the improvement of Company’s products and services, and other such purposes as set forth in the Privacy Policy.  

You hereby represent and warrant to the Company that you have all required third-party consents and authorizations to provide geolocation data to us for our collection and use by the Company. 

Data Security Incident Procedures: 

Company shall notify you as promptly as reasonably feasible upon becoming aware of a Data Security Incident which may affect you. Company shall provide you with the available information required by applicable Data Protection Laws and for you to comply with your own notification obligations to regulatory authorities or individuals affected by the Data Security Incident. The parties shall cooperate in determining whether notification to affected individuals and/or government authorities is required under applicable Data Protection Laws. If notification is required as a result of the Company’s failure to comply with applicable Data Protection Laws, Company shall pay all reasonable costs of such notifications. For purposes of this Section, a “Data Security Incident” means any accidental, unauthorized or unlawful access, acquisition, theft, destruction, or disclosure of Personal Data that occurs while such Personal Data is in the possession of or under the control of Company, or under the control of a third-party contracted with Company to provide any portion of the Website contemplated by these Terms. 

Company agrees to take action without undue delay, at its own expense, to investigate the Data Security Incident and to identify, prevent, and mitigate the effects of the Data Security Incident and to carry out any recovery or other action necessary to remedy the Data Security Incident.  

Company shall provide reasonable cooperation and assistance to you to enable you to fulfill your obligations to enable identified persons affected by the Data Security Incident to exercise their rights under the Data Protection Laws, as the case may be. The Company shall notify you, within the regulatory timeframe which requires Company to provide such notification, of all communications Company receives from an affected person seeking to exercise his/her right in connection with the Data Security Incident.

  1. SURVEILLANCE 

The Company may monitor the access to the Website (and any other of its websites) and other activities in relation to the Website and may intervene in this regard. However, the Company makes no representation and gives no warranty to that effect. You consent to such surveillance and intervention, if the Company ever decides to do it.

  1. LINKS TO OTHER WEBSITES 

Links and references to other websites are provided to you as a convenience only. The Company has not reviewed and does not expressly or implicitly endorse other websites or any information or material, or the accessibility thereof, via such links, and does not assume any responsibility for any such other websites, information or material posted thereon, or products or services offered thereon. You may not create links from other websites to the Website, except if expressly permitted by the Company. 

  1. MODIFICATION OF THE WEBSITE; RESERVATION OF RIGHTS 

The Company may, for any reason in its sole discretion and without notice to you, terminate, change, suspend or discontinue the Website or any aspect thereof, including but not limited to any content, features or hours of availability and Company will not be liable to you or any third party for doing so. The Company may also impose rules for and limits on use of the Website or restrict your access to part, or all, of the Website without notice or liability. All rights not expressly granted in the Terms are reserved to the Company.

  1. ENUREMENT 

The Terms shall inure to the benefit of and be binding upon each of the parties hereto and their respective successors and permitted assigns.

  1. GOVERNING LAW AND DISPUTE RESOLUTION 

The Website is controlled and operated by the Company from Saint-Georges, Province of Québec, Canada.

Canadian Transactions: 

With respect to any access to the Website by a Canadian user, the Terms, the Website and any use of the Website shall be governed by the laws of the Province of Québec and the laws of Canada applicable therein without reference to principles of conflict of laws. You acknowledge and agree that any dispute that may arise between you and the Company in respect of the Terms and the transactions contemplated herein shall be resolved by the provincial and federal courts and tribunals sitting in the Province of Québec and you hereby irrevocably submit and attorn to the personal and exclusive jurisdiction and venue of these courts. 

US Transactions: 

With respect to any access to the Website by a US user, the Terms, the Website and any use of the Website shall be governed by the laws of the State of Delaware and the laws of the United States applicable therein without reference to principles of conflict of laws.

Mandatory Arbitration of Dispute: We each agree that any dispute, claim or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation or validity thereof or the use of the Website (collectively, “Disputes”) will be resolved solely by binding, individual arbitration and not in a class, representative or consolidated action or proceeding. You and the Company agree that the U.S. Federal Arbitration Act governs the interpretation and enforcement of these Terms, and that you and the Company are each waiving the right to a trial by jury or to participate in a class action. This arbitration provision shall survive termination of these Terms.

Exceptions and Opt-out: As limited exceptions to the above: (i) we both may seek to resolve a Dispute in small claims court if it qualifies; and (ii) we each retain the right to seek injunctive or other equitable relief from a court to prevent (or enjoin) the infringement or misappropriation of our intellectual property rights.

Conducting Arbitration and Arbitration Rules: The arbitration will be conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules (the “AAA Rules”) then in effect, except as modified by these Terms. The AAA Rules are available at www.adr.org or by calling 1-800-778-7879. A party who wishes to start arbitration must submit a written Demand for Arbitration to AAA and give notice to the other party as specified in the AAA Rules. The AAA provides a form Demand for Arbitration at www.adr.org.

Any arbitration hearings will take place in the county (or parish) where your headquarters are located, unless we both agree to a different location. The parties agree that the arbitrator shall have exclusive authority to decide all issues relating to the interpretation, applicability, enforceability and scope of this arbitration agreement. 

Arbitration Costs: Payment of all filing, administration and arbitrator fees will be governed by the AAA Rules, and we won’t seek to recover the administration and arbitrator fees we are responsible for paying, unless the arbitrator finds your Dispute frivolous. If we prevail in arbitration, we’ll pay all of our attorneys’ fees and costs and won’t seek to recover them from you. If you prevail in arbitration you will be entitled to an award of attorneys’ fees and expenses to the extent provided under applicable law. 

Injunctive and Declaratory Relief: Except as provided in “Exceptions and Opt-out” above, the arbitrator shall determine all issues of liability on the merits of any claim asserted by either party and may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. To the extent that you or we prevail on a claim and seek public injunctive relief (that is, injunctive relief that has the primary purpose and effect of prohibiting unlawful acts that threaten future injury to the public), the entitlement to and extent of such relief must be litigated in a civil court of competent jurisdiction and not in arbitration. The parties agree that litigation of any issues of public injunctive relief shall be stayed pending the outcome of the merits of any individual claims in arbitration. 

Class Action Waiver: YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, if the parties’ dispute is resolved through arbitration, the arbitrator may not consolidate another person's claims with your claims and may not otherwise preside over any form of a representative or class proceeding. If this specific provision is found to be unenforceable, then the entirety of this Dispute Resolution section shall be null and void. 

Effect of Changes on Arbitration: Notwithstanding the provisions under “Changes to Terms or Website” in Section 1 above, if the Company changes any of the terms of this “Dispute Resolution” Section after the date you most recently accepted these Terms, you may reject any such change by sending us written notice (including by email to facturation@finloc.com) within 30 days of the date such change became effective, as indicated in the “Last Updated” date below. By rejecting any change, you are agreeing that you will arbitrate any Dispute between you and the Company in accordance with the terms of this “Dispute Resolution” Section as of the date you most recently accepted these Terms.

  1. SEVERABILITY 

With the exception of any of the provisions in the “Class Action Waiver” paragraph above, if any one of these conditions shall be deemed invalid, void, or for any reason unenforceable, such condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition.

  1. JURISDICTION 

The Company makes no representation that materials, information or the Website are appropriate or available for use in other locations or jurisdictions other than Canada and the United States. Those who choose to access the Website from other locations or jurisdictions do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.

  1. COOKIES 

The Company may use “cookies” to track your preferences and activities on the Website. Cookies are small data files transferred to your device’s hard-drive by a website. They keep a record of your preferences, making your subsequent visits to the Website more efficient. Cookies may store a variety of information, including, the number of times that you access a website, your registration information, and the number of times that you view a particular page or other item on the website. The use of cookies is a common practice adopted by most major websites to better serve their clients. Most browsers are designed to accept cookies, but they can be easily modified to block cookies; see your browser’s help files for details on how to block cookies, how to know when you have received cookies and how to disable cookies completely. You should note, however, that without cookies, some of the Website’s functions will not be available, and the user will lose some of the benefits of the Website.

  1. NO WAIVER 

The failure of either party to enforce any provisions of the Terms or to respond to a breach or default by the other party or any third party of the Terms shall not in any way waive that party’s right to subsequently enforce any of the Terms contained herein or to act with respect to similar breaches or defaults.

  1. EXPORT LAWS 

The Website shall be subject to export control laws and regulations of Canada and the United States, including all applicable laws, regulations, and rules that prohibit or restrict the export or re-export of software, or Material (data, materials, or information introduced through the Website), outside the United States. You agree that you will complete all undertakings required by such foregoing export laws, regulations, and rules, including obtaining any necessary export license or other governmental approval and to comply at all times with all such laws and regulations. You hereby agree to indemnify, defend and hold the Company harmless against all claims, damages or liability resulting from your breach of the foregoing.

  1. ENTIRE AGREEMENT 

The Terms, together with all other agreements, terms or conditions incorporated or referred to herein constitute the entire agreement between you and the Company with respect to the use of the Website and any transaction conducted on or from the Website and its contents, and supersede any prior understandings or agreements (whether electronic, oral or written) regarding the subject matter hereof, and may not be amended or modified, except in writing or by the Company making such amendments or modifications available to it pursuant to the Terms hereof.

  1. NO ASSIGNMENT 

You may not assign your rights or obligations herein without the express written consent of the Company.

  1. TERMINATION 

The Company reserves the right, at its sole discretion, to terminate your access to all or any part of the Website, with or without notice. You agree to cease use of the Website, software, and any other materials provided in connection with the Website, and to return all intellectual property and any confidential information back to Company, upon termination of access to the Website. You may terminate your use of the Website at any time by submitting a request to our customer support team to close your account. Account closures will be handled by the Company on a case-by-case basis depending on the account activity at the time of the closure request. 

  1. HEADINGS 

The headings used herein are inserted for convenience of reference only and do not affect the construction or interpretation of the Terms herein.

  1. CONTACTING US 

If you have any questions about the Website or the Terms, please contact us using the following information:

 

 

BY E-MAIL 

facturation@finloc.com

BY PHONE 

1 866 634-6562

BY POST MAIL 

11505, 1st Avenue, Suite 500, Saint-Georges, Québec, Canada, G5Y 7X3

Last Updated: February 15th, 2022