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Use of this web site is governed by the following terms and conditions which are subject to change without notice to you. Please read them carefully before using this site.

Limited license and use

The Creditor Consultants Inc. ("CCI") grants you a limited license to display the contents of this site on your computer and print, download and use the materials on this site solely for non-commercial, personal or educational purposes, provided that the contents of the site are not modified in any way and that all copyright and other notices are maintained.

This site is for general information purposes only and is not intended to provide you with any personalized financial, insurance, legal, accounting, tax or other professional advice. You will not rely on this site as a substitute for independent research or for personal advice from a representative of Creditor Consultants Inc. or its affiliated companies or any other appropriate professional advisor.

Nothing on this site constitutes an offer to buy or sell products or services of Creditor Consultants Inc. or its affiliated companies. All products and services are subject to the terms and conditions of any applicable contracts. Creditor Consultants Inc. products and services are available only in jurisdictions where they may be lawfully offered for sale in Canada.

Privacy and Confidentiality

Creditor Consultants Inc. is committed to respecting the privacy and confidentiality of information in accordance with our privacy guidelines, and applicable law. However, you acknowledge and confirm that the Internet is not a secure medium where privacy and confidentiality can be guaranteed and that complete security and confidentiality of transmissions to and from this site over the Internet is not possible at this time. Your confidential use of the site cannot be guaranteed and you acknowledge that your use of the site (including information you transmit to the site) may be subject to access or manipulation by, or disclosure to, third parties. Without limiting any other disclaimer herein, Creditor Consultants Inc. shall not be responsible or liable for any damages that you or any other person may suffer in connection with any such breach of privacy, confidentiality or security. If you are provided with a user name and password to access any part of this site, you agree to be liable for all uses of your user name and password, including unauthorized use without your consent and you acknowledge that Creditor Consultants Inc. shall not be responsible to confirm the actual identity or authority of any user. Instructions provided pursuant to such user name and password shall constitute sufficient authority to Creditor Consultants Inc. to execute any transactions directed thereunder. You agree to notify Creditor Consultants Inc. immediately should the confidentiality of your user name and password be in jeopardy.

E-mail security

The security of e-mail communication cannot be guaranteed at this time. Any person wishing to communicate or send information of a private or confidential nature to Creditor Consultants Inc. is encouraged to do so by other means.

Copyright

This site has been developed by and is the property of Creditor Consultants Inc. All information and materials contained on this site are protected by copyright, trademark and other intellectual property laws of Canada and other countries. Subject to the limited license to use this site as described below, no person may copy, redistribute, reproduce or republish in any form, or link to this site or its contents in any manner whatsoever, including by way of hyperlinks or framing, unless that person has obtained the prior written consent of Creditor Consultants Inc.. Any infringement of the rights of Creditor Consultants Inc. may result in appropriate legal action.

Trademarks

Creditor Consultants Inc. owns or has obtained the right to use by license or otherwise the trade-marks used on or in connection with the goods and services that it provides.  The trade-marks are protected by Canadian and foreign trade-mark laws.  All rights reserved.  The display of trade-marks on this site shall not in any way be construed as an implied license to use such trade-marks.

General Disclaimer

• The content of this site is provided for informational and educational purposes only and is subject to modification without notice to you. While information posted on this site is believed to be reliable and accurate at the time of posting, Creditor Consultants Inc. does not guarantee, represent or warrant that the information contained on this site is accurate, complete, reliable, verified or error-free.
• Creditor Consultants Inc. makes no express or implied representations or warranties regarding the usability or condition of this site, that this site will operate uninterrupted or error-free, or that this site will operate in combination with any services or software used in connection therewith or that it shall be viewed consistently with all browser software or that any communication transmitted to or from this site is private, confidential or secure.
• Creditor Consultants Inc. expressly disclaims all representations, warranties or conditions, express or implied, statutory or otherwise, including, without limitation, the warranties and conditions of merchantable quality and fitness for a particular purpose, non-infringement, compatibility, timeliness, security or accuracy, and any representations, warranties or conditions that may arise from a course of dealing or usage of trade.
• You assume full responsibility for risk of loss of any nature whatsoever resulting from your use of this site. Without limiting the generality of the foregoing, you acknowledge and agree that none of Creditor Consultants Inc. or any of its directors, officers, employees or agents shall be liable to you for loss of data, computer time or any loss or damage of any nature whatsoever arising out of or attributable in any manner whatsoever to your use or inability to use this site for any reason whatsoever or to any action or inaction on the part of Creditor Consultants Inc. or for any direct, indirect, special or consequential damages, even if Creditor Consultants Inc. has been advised of the possibility thereof, including but not limited to lost profits, lost opportunities or business revenues, loss of goodwill, or failure to realize expected savings.
• This site contains links to other sites which sites are not maintained or controlled in any way by Creditor Consultants Inc.. Such links are provided for convenience only and are not to be construed as an endorsement by Creditor Consultants Inc. of the products, services, advice or opinions or any other content of such sites.
• Crerditor Consultants Inc. is the sole owner of the information collected on this Web site. We only gather information we need to serve you better and will not - without your consent, - sell, share, or rent this information to others in ways different from what is disclosed in this statement except in cases where in good faith we believe that the law requires us to do so, it is necessary to protect Crerditor Consultants Inc.'s rights and/or property, or if circumstances necessitate acting to protect the personal safety of staff or of the public.
• All information on this Web site is copyright 2004 by Crerditor Consultants Inc.

More Information

For more information concerning the terms and conditions of use of this site or to request the authorization to reproduce or distribute the content of this site or any part thereof, please contact: