Welcome

This website (the “Website”) is owned and operated by Tua Financial Technologies Ltd. (“Tua”, “we”, “us”, or “our”). By accessing and using this Website, you agree that you have reviewed the Terms of Use and you agree to follow and be bound by the Terms of Use. If you do not agree to accept the Terms of Use, you should not use this Website. A copy of these Terms of Use may be downloaded, saved or printed by you.

If you have not reached the age of majority in the jurisdiction in which you reside, you must not use this Website.

Ownership / Use of Website

Any and all content, software, data, graphics, photographs, video, audio, systems, materials and other information (the “Website Content”) contained in this Website are proprietary to Tua, its affiliates, subsidiaries and/or third-party licensors and are protected by intellectual property right laws.

Except otherwise provided on this Website, you may not, in whole or in part, modify, download, copy, reproduce, transmit, distribute, display, create derivative works from or otherwise exploit, transfer, or sell any of the Website Content for any public or commercial purpose without our express prior written consent. The Website Content may only be downloaded, printed, or reproduced by you for non-commercial, informational purposes provided that you agree to maintain any and all intellectual property notices contained in such Website Content and to cite the source of such Website Content.

This Website shall not be used for any purpose that is illegal or otherwise unlawful or that is prohibited by these Terms of Use.

Username and Password

To access certain sections of the Website, you may be required to have a username and password. You agree to provide accurate and current information as requested on any registration form to which this Website contains or may direct you, and to update such registration information as soon as possible after the information changes. Upon completing the registration process, you will be provided with a username and password selected by you.

You are responsible and liable for keeping your username and password confidential and for any activity on this Website under such username and password. You agree to promptly notify Tua of any unauthorized use, theft or misappropriation of your username or password. Tua assumes no responsibility or liability and will not be liable for any damages arising from any lost, stolen or otherwise misappropriated username or password.

We are under no obligation to verify the actual identity or authority of any person using your username or password to access or use the Website. We may, at our sole discretion, require proof of identity of any person seeking access to and use of the Website and deny such access if we are not satisfied with the proof provided.

We reserve the right to suspend or terminate your account, your use of and access to this Website or its services, as well as to remove or delete any information related to this Website or its services, for any reason in our sole discretion and at any time without notice to you and without liability to Tua.

Privacy

We are committed to respecting personal information. Please review our Privacy Policy for information on our collection, use, and disclosure of your personal information. You agree that Tua may use your personal information in accordance with the Terms of Use and the Privacy Policy and for the stated purposes therein.

You agree that we may verify your name, address, phone number, and other account details with information about you held by third party sources including credit reporting agencies, banking institutions, and your mobile service provider in order to verify your identity and help protect against potential fraud, such as when someone other than you is trying to use your account or conduct a transaction without your permission, and you provide your consent for them to disclose and/or compare your information for this purpose. Your personal information will not be shared with any third parties for any other purpose.

Financial and Credit Information

If you apply for a loan or other credit product using our Website, you will be asked to provide consent to Tua for our use of personal information provided by you to confirm your financial situation and eligibility for our credit products, including obtaining your credit score or a credit report from a credit reporting agency. Please review our Privacy Policy for additional information.

Linking

This Website may provide links to other websites on the Internet that are owned, operated or controlled by third parties that are independent of Tua and not affiliated with Tua. These links are provided to you solely for convenience purposes. In order to use the links, you must leave our Website. We cannot verify the content of other websites visited by you and, should you decide to access websites from a link on this Website, we are not liable, directly or indirectly, and make no representation or warranty as to the accuracy, currency and/or completeness of the information contained on such websites. The inclusion of these links on our Website do not imply that Tua monitors, sponsors, endorses, or is affiliated or associated with these websites or has been legally authorized to use any intellectual property displayed on or accessible through such websites.

Changes to Terms of Use

We reserve the right to change the Terms of Use and any other information on the Website at any time and to notify you of such change by posting an updated version of the Terms of Use on this Website. We may be required to make such changes from time to time to comply with applicable law and it may not always be possible to provide you with advanced notice of such changes, however, we will maintain updated Terms of Use on our Website. You are responsible for regularly reviewing the Terms of Use. You are responsible for regularly reviewing the Terms of Use. Your continued use of this Website after any such changes are posted will constitute your acceptance of such changes. The currency of the Terms of Use is located at the bottom of this page.

Limitation of Liability / Disclaimer

THE LAWS OF CERTAIN JURISDICTIONS DO NOT ALLOW FOR THE EXCLUSION OR LIMITATION OF LEGAL WARRANTIES, LIABILITY OR CERTAIN DAMAGES OR LIMITATIONS OF REPRESENTATIONS CONCERNING GOODS OR SERVICES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE FOLLOWING EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU AND TUA WILL ONLY BE LIABLE FOR DAMAGES THAT WE ARE EXPRESSLY REQUIRED TO BE LIABLE TO YOU UNDER SUCH LAWS.

WE ARE COMMITTED TO UPDATING AND KEEPING ACCURATE THE WEBSITE CONTENT, HOWEVER, ERRORS AND/OR OMISSIONS MAY OCCUR AND WE CANNOT GUARANTEE THE ACCURACY AND COMPLETENESS OF THE WEBSITE CONTENT AT ALL TIMES. ACCORDINGLY, WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, RELIABILITY OR CURRENCY OF ANY CONTENT.

ACCORDINGLY, THIS WEBSITE, INCLUDING THE WEBSITE CONTENT IS BEING PROVIDED ON AN “AS IS”, “WHEN AVAILABLE”, AND “AS AVAILABLE” BASIS AND WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED. TUA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. TUA DOES NOT WARRANT THAT THE FUNCTIONS ON THIS WEBSITE OR THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. TUA SHALL NOT BE LIABLE FOR DELAYS, INTERRUPTIONS, SERVICE FAILURES OR OTHER PROBLEMS IN THE USE OF THE WEBSITE.

IN NO EVENT SHALL TUA, ITS AFFILIATES, MEMBERS, OFFICERS, EMPLOYEES, AGENTS AND LICENSORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM OR IN CONNECTION WITH THE USE OF, OR THE INABILITY TO USE, THE WEBSITE, ANY CONTENT OR SERVICES (INCLUDING THIRD PARTY OFFERS), WHETHER OR NOT TUA HAS BEEN ADVISED OF OR SHOULD HAVE BEEN AWARE OF THE POSSIBILITY OF ANY SUCH LOSSES ARISING.

Indemnification

You agree to indemnify and hold harmless Tua, its successors and assigns, affiliates, members, officers, employees, agents, and licensors from and against any and all losses, expenses, damages, claims, fines, penalties, costs and liabilities (including reasonable legal and accounting fees), resulting, directly or indirectly, from your (or anyone acting under your password or username) use of this Website or the services offered on this Website, or any violation by you of these Terms of Use.

General

If any provision of these Terms of Use is deemed to be unlawful, void, or unenforceable for any reason, then such provision shall be severed from these Terms of Use and the remaining provisions will remain in force.

These Terms of Use and any and all other legal notices or statements posted on the Website constitute the entire agreement between you and Tua with respect to the use of the Website, including the Website Content.

All rights not expressly provided in these Terms of Use or the Privacy Policy are reserved by Tua.

Applicable law

These Terms of Use shall be governed by and construed in accordance with the laws of the Province of Alberta and the federal laws of Canada applicable therein. Any dispute is to be submitted to the courts of the Province of Alberta.

A printed copy of these Terms of Use and of any notice in electronic form shall be admissible in any judicial or administrative proceedings to the same extent and under the same conditions as other business documents and records originally generated and maintained in printed form.

Contact

If you have any questions or comments regarding these Terms of Use, please contact Tua by telephone at 1 (866) 575-9839 or by e-mail at info@tua.ca.

Last Updated February 23, 2018