WEBSITE TERMS OF USE:
This document was last updated on August 30, 2022.
This website is owned and operated by Consumer Genius Inc. (“Consumer Genius“). Access and use of this website is provided by Consumer Genius to you on condition that you accept these Terms of Use. By accessing or using this website, you agree to these Terms of Use. If you do not agree to accept and abide by these Terms of Use you may not access or use this website.
Consumer Genius may revise and update these Terms of Use at anytime and without notice. You are cautioned to review the Terms of Use posted on the website periodically. Your continued access or use of this website after any such changes are posted will constitute your acceptance of these changes.
You may not interfere with the security of, or otherwise abuse this website or any system resources, services or networks connected to or accessible through this website. You may only use this website for lawful purposes.
Jurisdiction and Age
If you are residing in a jurisdiction which restricts the use of internet-based applications according to age, or which restricts the ability to enter into agreements such as set out in these Terms of Use according to age and you are under such a jurisdiction and under such age limit, you may not enter into this agreement or use this website (or any of its related services). Your profile may be deleted and these Terms of Use may be terminated without warning, if we believe that you are under age or your use of this website (or any of its related services) is not allowed.
Consumer Genius provides credit and referral services throughout Canada.
Privacy
Consumer Genius is committed to respecting the privacy of the personal information of the individuals with whom we interact. We have developed a Privacy Policy to describe our privacy policies and practices and how we collect, use and disclose the personal information of those individuals who visit this website (or any of its related services). Please see our Privacy Policy https://consumergenius.com/privacy-policy/ for further details.
If you would like to use our services in connection with applying for a loan or other credit service using our Website, you will be asked to consent to Consumer Genius collecting, using and disclosing the personal information that you provide for the purposes of enabling us to provide such services to you.
You acknowledge and agree that access to and use of this website (and any of its related services) is provided via the Internet and that your information, including personal information, may be transferred across national borders and stored or processed in any country in the world as a result.
Consent, Communication, Services Paid & Financial Products and Services
If you apply for a loan or other credit product or service through this website, you consent to Consumer Genius, its affiliated entities, affiliated brands, parent companies, related entities, related brands (collectively the “related affiliates”), and/or our third-party business affiliates collecting, using and/or disclosing the personal information that you provide to us to confirm your financial situation and your initial and ongoing eligibility for such credit products and services. To provide you with such products and services, you consent to being contacted by Consumer Genius, its related affiliates and/or our third-party business affiliates via SMS, email, postal mail, telephone (Including voicemail) or digital messaging.
In addition, you also agree to allowing Consumer Genius, its related affiliates, and/or our third-party business affiliates to perform a credit check on you, based on the information you have provided, to confirm your financial situation and your initial and ongoing eligibility for such products and services.
Unless you advise us otherwise, Consumer Genius, its related affiliates and our third-party business affiliates may offer you products, services and pre-qualifications for other related or non-related credit or financial and non-financial products and services. You acknowledge that: (i) all communications to you from Consumer Genius, its related affiliates, and its third-party business affiliates may be done via SMS, telephone (including voicemail), email, postal mail or digital messaging; and (ii) Consumer Genius its related affiliates and our third-party business affiliates may receive a referral fee for providing you with or referring you to a loan or other credit product or any other service. (iii) Consumer Genius may use any reviews you submit online for its own promotional or staff training purposes.
User Accounts
When you are required to open an account to use elements of this website (or any of its related services), you must complete the registration process by providing complete and accurate information requested on the registration form. You will be asked to provide a username and password.
Where we offer you the ability to choose your own username(s) in connection with this website (or any of its related services), we will use reasonable efforts to assign such name(s) to you upon your request, provided however that you may not select, and we reserve the right to reject, any name that (i) has already been assigned, or (ii) we determine, in our sole discretion, is offensive, violates applicable law, is an attempt to impersonate another, or may interfere or be confused with, violate, exploit, or capitalize on, the rights of another. Where we reject a requested name, we may, in our sole discretion, assign an alternate name, ask you to select another name or terminate this agreement.
You agree that you are entirely responsible for maintaining the confidentiality of your username and password and that Consumer Genius and any of its partners, affiliates, officers, directors, employees, consultants, agents, and representatives will not be held responsible for any loss related to any lost, stolen or otherwise misappropriated username or password.
You may not use the account, username, or password of anyone else at any time, unless you are authorized to do so by such other user and Consumer Genius. You agree to notify Consumer Genius immediately on any unauthorized use, theft or misappropriation of your account, username, or password. Consumer Genius shall not be liable for any loss that you incur as a result of someone else using your username or password, either with or without your knowledge.
You acknowledge and agree that you shall be responsible for each and every access, use or employment of this website (and any of its related services) that occurs in conjunction with your passwords and user identifications, and that Consumer Genius is authorized to accept the user identifications and passwords as conclusive evidence that you have accessed, utilized, or otherwise employed of this website (or any of its related services).
Security of Website
You agree that you will not attempt to, nor permit any third party to, enter restricted areas of Consumer Genius’s computer systems or perform functions that you are not authorized to perform pursuant to these Terms of Use. Consumer Genius may, without notice, temporarily suspend your, or any other party’s, access to this website (and any of its related services), (including, without limitation, any specific areas hosted within this website) by deactivating any password(s) or links to the Internet if Consumer Genius reasonably suspects that you, or any other parties, are obtaining unauthorized access to Consumer Genius’s other systems or information, or are using otherwise valid user identifications or passwords in any other unauthorized manner. These suspensions will be for such periods of time as Consumer Genius may reasonably determine is necessary to permit the thorough investigation of such suspended activity.
Intellectual Property
All materials (including the organization and presentation of such material) on this website (the “Materials“) are the property of Consumer Genius and its licensors and may be protected by intellectual property laws including laws relating to copyrights, trade-marks, trade-names, internet domain names and other similar rights.
The Materials may only be used and copied for your own non-commercial, personal purposes, provided that the Materials are not modified and that copyright and other intellectual property notices are not deleted. You may not create derivative works from or otherwise exploit the Materials in any way. Unless you have entered into a separate agreement with Consumer Genius, any other use of these Materials without Consumer Genius’s written permission is prohibited.
Currency of website
Consumer Genius updates the information on this website periodically. However, Consumer Genius cannot guarantee or accept any responsibility or liability for the accuracy, currency or completeness of the information on this website. Consumer Genius may revise, supplement or delete information, services and/or the resources contained in this website and reserves the right to make such changes without prior notification to past, current or prospective visitors.
Linked websites
This website may provide links to third-party websites for your convenience only. The inclusion of these links does not imply that Consumer Genius monitors or endorses these websites. Consumer Genius does not accept any responsibility for such websites. Consumer Genius shall not be responsible or liable, directly or indirectly, for any damage or loss, caused or alleged to be caused by or in connection with the use of or the reliance upon any information, content, goods or services available on or through any third-party websites or linked resources.
Internet software or computer viruses
Due to technical difficulties with the Internet, Internet software or transmission problems could produce inaccurate or incomplete copies of information contained on this website. Consumer Genius shall not be responsible or liable for any software, computer viruses or other destructive, harmful or disruptive files or programs that may infect or otherwise impact your use of your computer equipment or other property on account of your access to, use of, or browsing on this website or your downloading of any of the Materials from this website. Consumer Genius recommends that you install appropriate anti-virus or other protective software.
Website and Materials Provided “As Is”
THIS WEBSITE AND THE MATERIALS ARE PROVIDED “AS IS”, “WHEN AVAILABLE”, AND “WITH ALL FAULTS”, WITHOUT REPRESENTATION, WARRANTY OR CONDITION OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED REPRESENTATIONS, WARRANTIES OR CONDITIONS OF MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. CONSUMER GENIUS DOES NOT REPRESENT OR WARRANT THAT THIS WEBSITE OR THE MATERIALS WILL MEET YOUR REQUIREMENTS OR THAT THEIR USE WILL BE UNINTERRUPTED OR ERROR-FREE.
Limitation of liability
YOU ASSUME ALL RESPONSIBILITY AND RISK FOR USE OF THIS WEBSITE AND THE MATERIALS INCLUDING WITHOUT LIMITATION ANY OF THE INFORMATION CONTAINED THEREIN.
IN NO EVENT SHALL CONSUMER GENIUS OR ANY OF ITS DIRECTORS, OFFICERS, EMPLOYEES, SHAREHOLDERS, PARTNERS, OR AGENTS BE LIABLE FOR ANY INCIDENTAL, INDIRECT, PUNITIVE, EXEMPLARY, CONSEQUENTIAL OR OTHER DAMAGES WHATSOEVER (INCLUDING DAMAGES FOR LOSS OF PROFITS, INTERRUPTION, LOSS OF BUSINESS INFORMATION, OR ANY OTHER PECUNIARY LOSS) IN CONNECTION WITH ANY CLAIM, LOSS, DAMAGE, ACTION, SUIT OR OTHER PROCEEDING ARISING UNDER OR OUT OF THESE TERMS OF USE, INCLUDING WITHOUT LIMITATION YOUR USE OF, RELIANCE UPON, ACCESS TO, OR EXPLOITATION OF THIS WEBSITE, THE MATERIALS OR ANY PART THEREOF, OR ANY RIGHTS GRANTED TO YOU HEREUNDER, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER THE ACTION IS BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS OR OTHERWISE.
IN ANY EVENT, CONSUMER GENIUS’S TOTAL MAXIMUM AGGREGATE LIABILITY UNDER THESE TERMS OF USE OR THE USE OR EXPLOITATION OF ANY OR ALL PART OF THIS WEBSITE OR THE MATERIALS IN ANY MANNER WHATSOEVER SHALL BE LIMITED TO FIVE ($5.00) CANADIAN DOLLARS.
SOME JURISDICTIONS DO NOT ALLOW FOR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.
Indemnification
You agree to indemnify and hold Consumer Genius harmless against all claims or liability asserted against Consumer Genius arising out of or in connection with any breach by you or anyone acting on your behalf of any of these Terms of Use.
Contact us
Feel free to contact us at: [email protected]; or at Consumer Genius, PO Box 90022, RPO Sierra Springs, Airdrie, AB T4B 0A2. Should you choose to email us, kindly note that the Internet is not a secure medium and any such communication may be lost, intercepted or altered. Consumer Genius is not liable for any damages related to communications to or from us. You agree with respect to any information provided by you to us that:
Applicable law
This website is controlled, operated and administered by Consumer Genius from within the Province of Alberta, Canada. This website can be accessed from all provinces and territories of Canada, as well as from other countries around the world. As each of these jurisdictions has laws that may differ from those of the Province of Alberta, by accessing this website, you acknowledge and agree that all matters relating to access to or use of this website shall be governed by the laws of the Province of Alberta and the federal laws of Canada applicable therein (without reference to conflicts of laws principles).
You also agree that any claims or disputes whatsoever arising hereunder shall be submitted to the exclusive jurisdiction and venue of the courts of the Province of Alberta and acknowledge that you do so voluntarily.
General
Consumer Genius’ failure to insist upon or enforce strict performance of any provision of these Terms of Use shall not be construed as a waiver of any provision or right.
If any provision or part thereof of these Terms of Use is wholly or partially unenforceable the parties or, in the event the parties are unable to agree, a court of competent jurisdiction, shall put in place thereof an enforceable provision or provisions, or part thereof, that as nearly as possible reflects the terms of the unenforceable provision or part thereof.
The parties have requested that these Terms of Use and all documents relating thereto be drawn up in English. Les parties ont demandé que cette convention ainsi que tous les documents qui s’y rattachent soient en anglais.