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Terms of Use

For the purposes hereof, “we”, “us” and “our” refer collectively to Eterna Financial Group, its subsidiaries and affiliates, or any of the foregoing, as the case may be. By using our site (the “Site”), you agree to the Terms of Use described below, which are subject to change, without notice. You also agree to review these Terms of Use periodically and acknowledge that your continued use of the Site constitutes your acceptance of the changes made to these Terms of Use from time to time.

Responsibility of the User

As a user of the Site, you agree to use the Site diligently and in compliance with applicable laws.

Access to and Use of the Site

We cannot guarantee that the Site will be accessible at all times, without interruption, or free of errors. We are not liable to you or anyone else for any damages arising from the inaccessibility of the Site or any difficulties encountered in accessing or using the Site due to, but not limited to, service interruption, network failure, malfunction of any computer component or software, failed, incomplete or incomprehensible transmission, whether or not we are aware of it. Furthermore, we reserve the right to suspend access to the Site, in whole or in part, at any time, without notice. We are not liable for any damages you may incur as a result of such action.

Contents

The contents of the Site are provided for information purposes only and do not constitute an offer to buy or sell, or a solicitation for our products and services. Eligibility for our products and services is subject to the Terms and Conditions applicable to each of them. The contents of the Site are not to be interpreted, considered or used in any way as constituting financial, legal, tax or other advice. We are not liable for any damages you may incur in this regard. Reproduction of all or part of the contents of the Site is prohibited.

Private Access

You are responsible for safeguarding any user ID, password and personal identification question relating to private and secure access that we provide to you. We are not liable for any damages you may incur as a result of unauthorized or unlawful use of any user ID, password and personal identification question, or for your failure to maintain the security and confidentiality of any such user ID, password and personal identification question.

We may use cookies and other data tracking technologies to collect information about your online activities in order to, among other things, gather information about site functionality, better understand interests and needs, deliver a personalized online experience, and provide information about products and services that may be of interest to you.

Privacy and Security

We abide by applicable privacy legislation and are committed to the privacy of the information that is shared with you. However, we cannot guarantee the confidentiality of shared information when the Site is accessed from a vulnerable and unsecured computer station or from a public place, as this may compromise the confidentiality of your personal information. Moreover, any email exchanged with us is encrypted unless your email server does not support it. We are not liable for any damages you may incur in such circumstances.

You are responsible for protecting and safeguarding your data and computer equipment.

Modification and Reliability of Information of Site Contents

Although we cannot guarantee its accuracy, compliance, or completeness, all data and information on the Site are deemed reliable at the time of publication. While we make every effort, we cannot guarantee that this data and information are accurate or complete, free of errors or omissions, or current at all times. We are not under any obligation to update this data and information in any way.

The data and information available on the Site are subject to change, relocation or deletion without notice.

Trademarks

Certain names, graphics, logos, icons, designs, words, titles or phrases used in the pages of this Site may be trademarks owned by us or used by authorized third parties. Some of these are registered trademarks in Canada or other countries. However, the use of these trademarks within the Site does not imply that a trademark licence has been granted.

Limitation of Liability

In general, and without limiting the specific cases of liability limitation provided above, and notwithstanding provision herein to the contrary, we are not liable to you or anyone else for any damages of any kind that may result from, or be related in any way to the Site and its content, including, without limiting the generality of the foregoing, access, use, inaccessibility, unusability, inaccuracy or loss of data or information, even if we have been advised of the potential occurrence of these damages.

Applicable Laws

The Site is subject to and interpreted in accordance with the laws applicable in the Province of Quebec, without regard to principles of the conflict of laws. Any dispute, disagreement or claim that may arise out of or in connection to the use of the Site is subject to the jurisdiction of the courts of Quebec, and you agree to attorn to the exclusive jurisdiction of the courts of Quebec in this regard.

Last update: January 2020