This Agreement shall be governed by and construed in accordance with the laws of the Province of Ontario and Canada. You agree that FINLITI and its services are deemed a passive website that does not give rise to personal jurisdiction over FINLITI or its parent(s), subsidiaries, affiliates, successors, assigns, employees, agents, directors, officers or shareholders either specific or general.
The information on this website is primarily intended for Canadian residents, but we welcome conversations from all parts of the world.
Purpose of the Site
FINLITI is intended as an educational and discussion platform focused on the securities markets. Our goal is to reduce your anxiety and uncertainty around investing and to give you the information you need to put your money to work for your long-term financial goals.
FINLITI does not provide investment advice, strategies, or recommendations. FINLITI will not recommend any security and will not solicit clients for the purpose of giving financial advice.
FINLITI encourages open discussion; however, any investing opinions, strategies, or recommendations that you may see on this page are those of individual clients and do not reflect the views of FINLITI.
By accessing our site with FINLITI you consented to receive from FINLITI all communications including notices, agreements, legally required disclosures or other information in connection with the Services electronically. FINLITI may provide electronic notices by posting them on the Site. If you desire to withdraw your consent to receive notices electronically, you must discontinue your use of the Services.
We Assume You Have Given Us Implied Consent for Some Uses
By accessing our site or using any of our services, we assume you consent to receive the products and services and information relevant to them including service notifications, personalized content and services, relevant advertising, and other communications regarding our products, services and promotions.
Uses You Can Explicity Consent To
By participating in the survey and voluntarily providing personal information required for entry, you consent to the collection, use and disclosure of the personal information provided in the survey entries by FINLITI , or its designated agent, for the administration of the survey, in aggregated, non-personal form in order to create reports regarding survey responses. This personal information will not otherwise be sold or transmitted to third parties except to third-party agents and service providers that may be engaged to assist FINLITI either with the administration of the contest or with the market research. All such third-party agents and service providers will be required to maintain the confidentiality of this information, use the information only to provide services to FINLITI in connection with those purposes for which the participant has given consent to FINLITI and to protect the security of the information while in their possession or control.
Further, by participating in the survey and entering the contest, the winner agrees that his or her name, province or territory of residence, any statements made relating to the survey may be used byFINLITI for any and all commercial purposes, whether now known or hereafter devised, without further permission or compensation, except where prohibited by law.
By entering the survey, you agree that all entries will become the sole property of FINLITI and consent to the collection, use and disclosure of the personal information provided in the survey entries for the administration of the survey and in aggregated, non-personal form in order to create reports regarding survey entrant demographics. If you wish to contact us regarding the survey or any privacy matters, you can do so via email at email@example.com.
Withdrawing Your Consent or Changing Your Personal Information
If at any time you would like to unsubscribe from marketing and/or service email communications from FINLITI, click the unsubscribe link provided at the end of all non-essential communication from FINLITI.
If you wish to make a change to your personal information, please send an email to firstname.lastname@example.org
Use of FINLITI Site
You will use the FINLITI site for the purpose for which it was intended (e.g. to access the Services provided by FINLITI). You will not use the Site for any other purpose, whether personal or commercial. The site is provided only for your personal, non-commercial use, unless otherwise provided by FINLITI. You are responsible for all your activity in connection with your use of FINLITI services on the Site.
You will comply with all FINLITI requirements applicable to you being granted access, including FINLITI rules, policies, rulings, and procedural requirements and any additions or amendments which may be made thereto from time to time and that we may publish on the Site, which are incorporated by reference. In addition, some services may be subject to additional terms and conditions set by FINLITI. You will be notified if there are any material changes made to the requirements.
You may browse the Site without registering, but to launch a survey you must register and select a screen name (User ID) and password. You shall not use as a User ID any name or term that is:
FINLITI reserves the right in its sole discretion to refuse registration of or cancel a User ID.
Security of User ID and Password
You are solely responsible for the activity that occurs on your account and shall be responsible for maintaining the confidentiality of your User ID and password for the FINLITI Site. We will treat anyone who uses your User ID or password as “you” for all purposes, and we will hold you responsible for the activities on the site during its usage. It is your responsibility to immediately notify FINLITI in writing of any unauthorized use of your account, or any other known account-related security breach.
Tracking Your Visits and Use
To improve the Site, and for our own business purposes, we may track and compile records of your visits to the Site and your use of all elements of the Site. All this information is confidential and subject to our Privacy & Confidentiality Policy.
Cookies are small text files that are stored on your computer or mobile device. They are widely used in order to make websites work, or work in a better, more efficient way. They can do this because websites can read and write these files, enabling them to recognise you and remember important information that will make your use of a website more convenient (e.g. by remembering your user preferences).
2. What cookies do we use?
We are currently using the following cookie(s)
Prohibited Conducted on the Site
You will not:
By submitting any Content on the Site, you agree that you grant to FINLITI and other Users, under your intellectual property rights a non-exclusive licence to copy, modify, display, distribute and put to commercial and other uses of your Content. No compensation will be paid to you for any such use.
Your privacy is not protected with respect to any Content you submit to the Site. FINLITI cannot guarantee that other Users will use your Content in an appropriate or fair manner or in a manner anticipated by you.
You will be solely responsible for any damage or loss to any party caused by your Content.
FINLITI will remove any materials if properly notified that the Content infringes copyright. If you believe that your work has been copied in a way that constitutes copyright infringement, please notify FINLITI in writing. Your notice should include the following information (please confirm with your legal counsel):
If you believe that FINLITI has removed or disabled your work by mistake or misidentification, please notify FINLITI in writing. Your counter-notice must contain the information noted in points 1 – 3 with respect to the material that has been removed or to which access has been disabled.
Ownership of FINLITI Intellectual Property
FINLITI owns or has the legal right to use all the intellectual property associated with the Site and the Services. You shall not duplicate, publish, display, distribute, modify, create derivative works from or exploit FINLITI’s intellectual property in any way.
Privacy and Confidentiality
FINLITI collects information (which may include personal, confidential, non-public, criminal or other information) in forms that are submitted by you and/or by officers, directors, employees and/or members of the CLIENT.
Your Privacy and Confidentiality is a priority at FINLITI. And the Personal Information Protection and Electronic Documents Act (Canada) (PIPEDA) applies to organizations, which collect, use or disclose personal information in the course of their activities. To protect you, FINLITI has instituted policies and procedures using the ten principles of PIPEDA, which are as follows:
FINLITI is also required to make certain personal information of its clients available to governmental, regulatory and self-regulatory agencies and organizations. These organizations are also bound to ensure the confidentiality of the personal information of FINLITI’s clients that is provided to such agencies.
2. Identifying Purposes: Our only purpose for gathering client’s information is to fulfill our legal and regulatory obligations under existing laws, including identifying potential insiders or control relationships, preventing money laundering and tax reporting requirements.
You may withdraw consent at any time, subject to legal or contractual restrictions and reasonable notice.
Your personal information may be provided without client consent to governmental or regulatory, and self-regulatory agencies, police, the courts, or the Canada Customs and Revenue Agency (CCRA).
10. Challenging Compliance: You may address any concerns with respect to compliance with the above principles to the CCO at email@example.com.
Third Party Sites
FINLITI uses your personal contact information to administer any contest, including contacting, announcing and promoting prize winners. In addition, FINLITI may use this information to send you offers or information from FINLITI , its affiliates and from selected sponsors or advertisers (“Marketing Offers”). If you do not wish to receive Marketing Offers, you may opt-out at any time by: following the instructions at the bottom of any email Marketing Offer you receive; informing the telemarketer at the time they called with a Marketing Offer, by emailing FINLITI at firstname.lastname@example.org and requesting that your personal information not be used for Marketing Offers.
As part of our Services, FINLITI may permit you to link to other websites or resources on the Internet, or other websites or resources may contain links to the Site. These other sites are not under FINLITI’s control nor are we liable for the content, functions, accuracy, legality or any other aspect of a third-party site or resource. The inclusion of any link to FINLITI on another website does not imply an endorsement by or an affiliation with FINLITI.
FINLITI currently shares your personal information with the following third-party sites:
FINLITI shall not be liable for any damage related to the use of any Content or services available through any third-party website or resource.
Cyber Security and Protocols
All of FINLITI’s client information is stored on cloud-based third party applications which have redundant back-up. Your information is not stored on FINLITI’s computers; therefore, FINLITI relies on the privacy and security protocols of these providers. This however, does not release FINLITI from understanding and taking active steps to reduce the risks associated with data protection and cybersecurity, by ensuring all of FINLITI’s partners that provide it e-services are compliant with the following standards:
These protocols provide a combination of, but not limited to, the following features:
Where necessary, a site or application should be secured with their SSL/TLS protection enabled. When this is protection is enabled, a lock icon and https:// next to the URL in the browser bar will be visible as seen below. Letsencrypt provides SSL/TLS certificates which can be trusted by most modern browsers, operating systems, and mobile devices. Letsencrypt is a nonprofit Certificate Authority providing TLS certificates to 260 million websites.
The CLIENT acknowledges that a breach or threatened breach by the CLIENT of this Agreement will result in FINLITI suffering irreparable harm which cannot be calculated or fully or adequately compensated by recovery of damages alone. Accordingly, the CLIENT agrees that FINLITI shall be entitled to interim and permanent injunctive relief, specific performance and other equitable remedies, in addition to any other relief to which FINLITI may become entitled.
FINLITI shall have the right, at any time, to halt or suspend the access of the CLIENT with or without notice and with or without giving any reason for such action, or to remove the CLIENT from the FINLITI platform.