ATTENTION: PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS WEB SITE. USING THIS WEB SITE INDICATES THAT YOU ACCEPT THESE TERMS. IF YOU DO NOT ACCEPT THESE TERMS (“TERMS”), DO NOT USE THIS WEB SITE.

Use of Site

Income Access authorizes you to view and download the materials at this Web site (“Site”) only for your personal, non-commercial use, provided that you retain all copyright and other proprietary notices contained in the original materials on any copies of the materials. You may not modify the materials at this Site in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose.

For purposes of these Terms, any use of these materials on any other Web site or networked computer environment for any purpose is prohibited. The materials at this Site are copyrighted and any unauthorized use of any materials at this Site may violate copyright, trademark, and other laws. If you breach any of these Terms, your authorization to use this Site automatically terminates and you must immediately destroy any downloaded or printed materials.

Copyright

The content, organization, graphics, design, compilation, magnetic translation, digital conversion and other matters related to the Site are protected under applicable copyrights, trademarks and other proprietary (including but not limited to intellectual property) rights. The copying, redistribution, use or publication by you of any such matters or any part of the Site, except as allowed under “Limited Right to Use” below, is strictly prohibited. You do not acquire ownership rights to any content, document or other materials viewed through the Site. The posting by Income Access of information or materials on the Site does not constitute a waiver of any right in such information and materials.

Editing, Deleting and Modification

We reserve the right at our sole discretion to change, edit or delete any documents, information or other content appearing on the Site.

User Submissions

Any material, information or other communication you transmit or post to this Site will be considered non-confidential and non-proprietary (“Communications”). Income Access will have no obligations with respect to the Communications. You are prohibited from posting or transmitting to or from this Site any unlawful, threatening, libellous, defamatory, obscene, pornographic, or other material that would violate any law.

Links To Other Web Sites

Links to third party Web sites on this Site are provided solely as a convenience to you. If you use these links, you will leave this Site. Income Access has not reviewed all of these third party sites and does not control and is not responsible for any of these sites or their content. Thus, Income Access does not endorse or make any representations about them, or any information, software or other products or materials found there, or any results that may be obtained from using them. If you decide to access any of the third party sites linked to this Site, you do this entirely at your own risk.

Disclaimer

The materials provided at this site are provided “as is” without any warranties of any kind including warranties of merchantability, fitness for a particular purpose, or non-infringement of intellectual property. Income Access further does not warrant the accuracy and completeness of the materials at this Site. Income Access may make changes to the materials at this Site, or to the products and prices described in them, at any time without notice. The materials at this Site may be out of date, and Income Access makes no commitment to update the materials at this Site.

Information published at this Site may refer to products, programs or services that are not available in your country. Consult your local Income Access business contact for information regarding the products, programs and services that may be available to you. Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

Limitation of Liability

In no event will Income Access, its suppliers, or other third parties mentioned at this site be liable for any damages whatsoever (including, without limitation, those resulting from lost profits, lost data or business interruption) arising out of the use, inability to use, or the results of use of this site, any web sites linked to this site, or the materials or information contained at any or all such sites, whether based on warranty, contract, tort or any other legal theory and whether or not advised of the possibility of such damages.

If your use of the materials or information from this site results in the need for servicing, repair or correction of equipment or data, you assume all costs thereof. Applicable law may not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you.

Warranty Disclaimer and Limitation of Liability

The computer programs, information and other content available from or through the site are provided “as-is,” “as available,” and all warranties, express or implied, are disclaimed. To the fullest extent permissible pursuant to applicable law, Income Access disclaims all warranties express or implied, including, but not limited to,

• that any computer programs or information available from or through the site, or the site itself will be merchantable or fit for a particular purpose.
• that any computer programs or information available from or through the site, or the site itself will be uninterrupted or error-free.
• that defects will be corrected.
• that there are no viruses or other harmful components.
• that the security methods employed will be sufficient.
• regarding correctness, accuracy, or reliability, or
  against interference with your enjoyment of the computer programs or information, or against infringement.

All ‘information’ and ‘computer programs’ provided in the course of this agreement are provided with all faults, and the entire risk as to satisfactory quality, performance, accuracy, and effort is with you as the user.

We and our affiliated parties have no liability whatsoever for your use of any information or other content available from or though the site, or the site itself. In particular, but not as a limitation thereof, we and our affiliated parties are not liable for any compensatory, indirect, special, incidental or consequential damages (including damages for loss of business, loss of profits, litigation, or the like), whether based on breach of contract, breach of warranty, tort, product liability or otherwise; nor for any third party claims of any nature, even if advised of the possibility of such damages or claims.

The negation of damages set forth above are fundamental elements of the basis of the bargain between us and you. The information and other content available from or through the site, and the site itself, would not be provided without such limitations. No advice or information, whether oral or written, you obtain from us from or through the site shall create any warranty, representation or guarantee not expressly stated in this agreement.

Applicable Laws

This Site is administered by Income Access from its offices in Montreal, Quebec. Income Access makes no representation that materials at this Site are appropriate or available for use outside Canada, and access to them from territories where their contents are illegal is prohibited. You may not use or export or re-export the materials at this Site or any copy or adaptation in violation of any applicable laws or regulations including without limitation Canadian export laws and regulations. If you choose to access this Site from outside Canada, you do so on your own initiative and are responsible for compliance with applicable local laws.

Information and Press Releases

The Site contains interviews, discussions, press releases and other information (collectively, “Information”) about us, our business and our services, including links to third-party websites that contain such Information, which are being provided as a convenience to visitors of the Site. While all Information prepared by Income Access was believed to be accurate as of the date prepared, we disclaim any duty or obligation to update any Information.

Statements concerning companies other than Income Access that are contained in any such Information should not be relied upon as being provided or endorsed by us. The opinions expressed in any Information, including by employees and agents of Income Access, are solely those of the author(s) and do not necessarily reflect those of Income Access. With respect to Information, contained in links to third-party websites, please refer to “Links to other Websites” above.

User Submissions

Except where expressly provided otherwise by us, all comments, feedback, information, or materials that you submit through or in association with the Site shall be considered non-confidential. By submitting such comments, feedback, information, or materials to us:

• You represent and warrant that Income Access’s use of your submission does not and will not breach any agreement, violate any law, or infringe any third party’s rights;
• You represent and warrant that you have all rights to enter into this agreement;
• Income Access is free to use in any manner all or part of the content of any such communications on an unrestricted basis without the obligation to notify, identify or compensate you or anyone else; and
• You grant Income Access all necessary rights, including a waiver of all privacy and moral rights, to use all comments, feedback, information, or materials, in whole or in part, or as a derivative work, without any duty by Income Access to anyone whatsoever.

We do not accept unsolicited ideas, works, or other materials, and you acknowledge that you are responsible for and bear all risk as to the use or distribution of any such ideas, works, or materials.

Guidelines for Linking to Income Access’s Web site

The Site can be accessed from different locations around the world and may contain references to Income Access services, and programs that have not been announced where you are located. These references do not imply that Income Access intends to announce such products, services or programs where you are located. General. Income Access may revise these Terms at any time by updating this posting. You should visit this page from time to time to review the then-current Terms because they are binding on you. Certain provisions of these Terms may be superseded by expressly designated legal notices or terms located on particular pages at this Site.

If you would like to link to Income Access’s web site, please read and comply with the following guidelines:

A site that links to Income Access’s Web site:

• May link to, but not replicate, Income Access content.
• Should not create a browser or border environment around Income Access content.
• Should not imply that Income Access is endorsing it or its products.
• Should not misrepresent its relationship with Income Access.
• Should not present false information about Income Access products or services.
• Should not use the Income Access logo without permission from Income Access.
• Should not contain content that could be construed as distasteful, offensive or controversial, and should contain only content that is appropriate for all age groups.