Terms & Conditions

General Terms of Use for the website of 9480-6353 Québec Inc (hereinafter «LeadScout»)

Update Date: October 9, 2023

LeadScout requires all visitors to the LeadScout site to observe the following terms of use. By accessing this site and each of its pages, you declare that you have read and understood the general terms and acknowledge and accept the terms of use mentioned below, without limitation or reservation. LeadScout may revise these terms of use at any time by updating this page, which revisions will apply to all visitors to the site. You should visit this page from time to time to review the terms of use. For these terms of use, references to LeadScout include its affiliates, directors, and employees.

Important!

Non-Approval Guarantee Clause: Partner lenders may, at their discretion, decide to refuse a loan application. By accessing and using this site or our platform, you acknowledge that you understand and agree that neither the name of the site nor the advertising of our affiliates automatically guarantees your approval or access to a loan.

DEFINITIONS

Unless otherwise stated, the following definitions apply throughout the Agreement.

«Agreement» refers to this document and may be used interchangeably with «general terms» or «general terms of use».

«LeadScout», «we», «our», «us» refer to LeadScout and its parent company, any direct or indirect current or future subsidiaries of its parent company, another LeadScout entity, any direct or indirect, existing or future subsidiary of LeadScout, or one of its current or future affiliated companies.

«You», «your», and «yours» refer to each visitor to the LeadScout Site, each authorized person (as defined below) with an interest in a LeadScout account, and each person signing the application or any other enforceable document concerning this account.

«Authorized Person» means any person with an interest in a particular LeadScout account or authorized to conduct transactions in that account.

«LeadScout Site» refers to any website owned or operated by LeadScout.

«Computer» refers to your computer, computer system or mobile device, or any other means allowing you to access a LeadScout site, as well as any related hardware and software.

«Online Services» refers to the online platform through which you use the services and products of LeadScout, including, but not limited to, the means to a) submit a loan application; b) check the balance of an account and certain other information about your LeadScout accounts; c) obtain certain information concerning transactions on your accounts; d) download certain transactions on your accounts to your Computer; e) update your address; f) view electronic statements; or g) set up the schedule of preauthorized payments for certain accounts.

DESCRIPTION OF THE SERVICE

The «Service or Services» encompass the information, documents, content, communications, features, products, services, Online Services, transactions, and transaction terms that are available, offered, produced, obtained or otherwise provided or used (as applicable) on or through the LeadScout Site.

These Services are governed by, and their use is restricted by, the terms set forth herein and in any other agreement applicable to you. The Services are deemed to contain the sections of the site and the software used to utilize the Services. Subject to these terms, you may use the Services 24 hours a day, seven days a week, except for scheduled or unscheduled interruptions for updating or securing the Services, or for any other reason, as specified herein.

Unless expressly stated otherwise, any new feature that enhances or augments one or more existing Services or any new Service launched by LeadScout will be subject to these terms of use.

The fees necessary for the use of the Services, i.e., Internet connection fees or fees for systems accessing content provided on the Internet, are your sole responsibility. Moreover, it is your responsibility to provide all necessary equipment to ensure this connection.

IDENTIFICATION

It is understood that you have no obligation to identify yourself in the context of using the Services, except to access the Online Services and the online chat tool.

USER ACCOUNT AND USE OF ACCOUNT

During your registration to access the Online Services, you must choose a user code, email address, and password that will allow you to access the Online Services (hereinafter «User Account»):

• You are solely responsible for maintaining the confidentiality of your user code, email address, and password and for all actions that may be made under identification and/or with your password;
• It is your responsibility to immediately inform LeadScout of any unauthorized use of your User Account, username, email address, and/or your password and/or any breach of security and to take all measures within your reach to ensure optimal security conditions when using the Service;
• LeadScout cannot at any time be directly or indirectly held responsible for any loss or damage, direct or indirect, arising from your failure to comply with one of the aforementioned obligations in these articles.

ONLINE CHAT

When using the chat tool, LeadScout may ask you for certain information, such as your first name, last name, and LeadScout case number, to identify you, if necessary, and adequately meet your needs.

LeadScout cannot at any time be directly or indirectly held responsible for any loss or damage, direct or indirect, arising from the use of the chat tool.

EMAIL

You agree to receive all communications from LeadScout by email mainly concerning your use of the Services or your account(s).

You accept the risk of involuntary disclosure of personal information that may result from LeadScout sending communications about your accounts to the email address you provide.

LeadScout cannot at any time be directly or indirectly held responsible for any loss or damage, direct or indirect, arising from communication or transmission by email.

USE OF CONTENT

All information, data, texts, software, music, sounds, photographs, images, videos, messages, or any other material included in the products or Services (hereinafter collectively named «Content») may not be reproduced by any means whatsoever.

Therefore, it is prohibited to:

• Forge headers or otherwise manipulate the content transmitted through the Services;
• Upload, display, transmit by email or any other means any Content that includes computer viruses or any other code, file, or program designed to interrupt, destroy, or limit the functionality of any software, Computer, application, or telecommunications tool, and this list is not exhaustive;
• Obstruct, disrupt, or misuse the service, servers, networks connected to the Services, or refuse to comply with the required conditions, procedures, general rules, or regulatory provisions applicable to the networks connected to the Services;
• Violate, intentionally or unintentionally, any national or international law or regulation in force and any other rule having the force of law;
• Collect and store personal data relating to other users;
• Sell, resell, or exploit for any commercial purpose, any part of the Services, any use of the Services, or any right of access to the Services.

INTELLECTUAL PROPERTY

The Service and all software and applications used in connection with the Service (hereinafter named «Software and Applications») may contain confidential information, which is protected by current intellectual property law or any other law.

The Content included in the LeadScout Site or in advertisements and the information presented to you in the Service are protected by copyright, trademark rights, patent rights, or any other rights recognized by current legislation, and are the property of LeadScout, its licensors, or the person recognized as being the provider of the Content.

The LeadScout Site is protected under copyright law as a collection or compilation under Canadian and foreign laws.

Except as expressly authorized by LeadScout, it is strictly prohibited:

• To copy, modify, rent, lend, sell, distribute, or create derivative works based, in whole or part, on the Content, the Service, or the Software and Applications;
• To reverse engineer or disassemble, or otherwise attempt to discover the source code (except as permitted by law), sell, assign, sublicense, or transfer in any way any rights pertaining to the Software and Applications;
• To modify the Content or the Software and Applications in any way, or use modified versions of the Software and Applications, including but not limited to, for the purpose of gaining unauthorized access to the Service;
• To access the Service by any means other than through the interface provided to you by LeadScout for that purpose;
• To make any other use of the site or Content, in whole or part, except as expressly provided herein.

LINKS TO OTHER WEBSITES

The Service may provide or third parties may include links to other websites or other Internet sources. LeadScout cannot be held responsible for making these sites and external sources available and cannot assume any liability for the content, links, advertisements, products, services, or any other material available on or from these sites or external sources. LeadScout cannot be held responsible for any damages or losses proven or alleged or consequential or in connection with the use or the fact of having trusted the content, goods, products, or services available on these sites or external sources.

SALES OF PRODUCTS AND/OR SERVICES

LeadScout may sell its products and/or services on its LeadScout Site.

LeadScout may also offer you third-party products and/or services. In this latter case, LeadScout cannot guarantee the accuracy or reliability of the information pertaining to the products and/or services offered by third parties. LeadScout cannot be held responsible for the products and/or services offered by third parties. LeadScout cannot be directly or indirectly held responsible for any damages, direct or indirect, in connection with the use or the fact of having trusted the content, goods, products, or services offered by third parties.

WARRANTIES

The Service is provided to you and is accessible based on its availability. LeadScout provides no express or implied warranties, including but not limited to, warranties pertaining to the quality and compatibility of the Service for a specific use and non-infringement of the rules of use of the Service by its users.

LeadScout does not guarantee that:

• The Service will be uninterrupted, timely, secure, or free from error;
• The results that may be obtained from using the Service will be accurate and reliable;
• The quality of any product, service, information, or other material purchased or obtained by you within the Service will meet your expectations;
• The defects in the software and applications, if any, will be corrected.

You will be solely responsible for any damage to your computer or for any loss of data resulting from any download of material.

No advice and no information, whether oral or written, obtained by you from LeadScout or during the use of the Service, are likely to create warranties not expressly provided by this Agreement.

LIMITATION OF LIABILITY

Subject to applicable regulation, LeadScout cannot at any time be held responsible for any direct or indirect damage, including but not limited to, data losses, even if LeadScout has been informed of the possibility of such damages, that may occur at any time, for any reason or cause.

You also agree that LeadScout cannot at any time be held responsible for viruses, worms, Trojan horses, or any other malicious element, whatever their type, that may enter your Computer through the download of data, software, or other elements from the online Services site or any other LeadScout site.

PROTECTION OF YOUR PERSONAL INFORMATION

The security of your Personal Information is very important to LeadScout. LeadScout makes reasonable efforts to implement effective security measures to ensure the confidentiality of Personal Information.

You can consult the privacy policy to learn how LeadScout protects, manages, and uses the data.

MODIFICATION

LeadScout reserves the right, at any time, to modify, temporarily or permanently interrupt all or part of the Service, without having to inform you in advance. LeadScout cannot at any time be held responsible to you or to any third party for any damage, direct or indirect, resulting from any modification, suspension, or interruption of the Service.

TERMINATION

LeadScout may terminate, in whole or in part, at its sole discretion, your right of access to your User Account and password, and even delete your User Account.

LeadScout may terminate, in whole or in part, at its sole discretion, your right of access to the Service.

Any termination of your access to the Service (including notably access to your User Account) under the terms of this Agreement will occur without prior notice. LeadScout is entitled to disable or delete at any time and with immediate effect any file or folder present in this file and/or prohibit any further access to these files or the Service.

LeadScout cannot at any time be held responsible to you or to a third party for any damage, direct or indirect, resulting from any termination of your access to the Service (including notably access to your User Account).

ASSIGNMENT

LeadScout may assign or delegate, in whole or in part, this Agreement to its parent company, to one of the direct or indirect current or future subsidiaries of its parent company, to another entity of LeadScout, to any direct or indirect existing or future subsidiary of LeadScout, or to one of its current or future affiliated companies. LeadScout may also assign or delegate, in whole or in part, this Agreement to independent contractors or other third parties.

You may not assign this Agreement nor your rights to use the services to a third party.

WAIVER

The fact that LeadScout, notably omits to exercise a right or a remedy under this Agreement or the law cannot, in any case, be interpreted as a waiver of that right or remedy.

SEVERABILITY

If, for any reason whatsoever, any provision or obligation of this Agreement or its application to any person is to any extent deemed to be or becomes invalid, inapplicable, or illegal, then that provision, obligation, or condition is deemed to be independent of the rest of the Agreement and severable from it. Its invalidity, inapplicability, or illegality shall not affect, diminish, nor invalidate the rest of this Agreement or any part thereof.

APPLICABLE LAWS

This Agreement is governed by the laws of the province of Québec and subject to the interpretation of the latter. Any dispute, any difference, or any claim resulting from the use of the LeadScout Site or related to it must be submitted to the jurisdiction of the courts of the province of Québec. Consequently, the courts of the province of Québec have exclusive jurisdiction concerning any lawsuit, action, or procedure resulting from the use of the LeadScout site or related to it.

MISCELLANEOUS

This Agreement constitutes the entirety of the agreement between LeadScout and you concerning the visit to the LeadScout Site, the use of the Service, and supersedes any prior agreement possibly concluded between you and LeadScout for the visit to the LeadScout Site and the use of the Service. You may also be subject to additional terms of use specific to certain Services, third-party content, and third-party software, which will be communicated to you when you access these services, content, or software.

Moreover, the use of certain LeadScout Services may require compliance with additional rules, conditions, terms, or guidelines that will be indicated in a separate agreement. These rules and guidelines are deemed to be an integral part of this Agreement. In the event of confusion between this Agreement and the separate agreement, the separate agreement shall prevail.