Terms & Conditions


The following terms and conditions set the forth the agreement between Cascades Financial Solutions Inc. (“we” or “us”) and each user (“you” or “user”) governing the use by you of this website, which includes any downloadable application, software or mobile device browser contained therein (collectively the “Site”).  Any references to “we” or “us” in this agreement also refers to any affiliated company or legal entity, officer, director, representative, agent, or employee of Cascades Financial Solutions Inc.

Please read the following terms and conditions carefully before using the Site.  If you wish to access and use the Site, you must accept and agree to be bound by the terms and conditions below.  If you do not agree to these terms and conditions, do not access this Site or any pages thereof.  Your continued access to and use of the Site shall be deemed to be your acceptance of these terms and conditions.

We hereby reserve the right to change, revise, alter or amend the terms and conditions in our sole discretion at any time and from time to time.  We therefore recommend that you review these terms and conditions periodically to ensure that you are aware of the terms and conditions then in effect.  Again, your access to and use of the Site shall be deemed to be your acceptance of the terms and conditions as changed, revised, altered or amended.


All Site content is provided for informational purposes only and is not intended to provide any personalized or specific financial, accounting, insurance, investment, tax or legal advice.  Content shall not be used or relied upon by you as a substitute for independent research or advice from the appropriate and relevant professional.

Use of the Site is entirely at your risk.  We shall not be liable to any person for any harm, loss or damage arising in connection with use of the Site, including without limitation any direct, indirect, special, third party or consequential damages, nor for:

  1. any detrimental reliance placed upon the Site or its contents;
  2. any harm or loss to your computer records or data resulting from any viruses or similar intrusive, disruptive or destructive programs or files;
  3. the accuracy or completeness of the information provided; or
  4. delays, errors, interruptions or omissions in the provision of information.


The Internet is not a secure medium, and no data transmission over the Internet can be guaranteed to be secure.  There is no representation, warrant or guarantee that personal information can and will be protected against loss, misuse or alteration.  For greater certainty, we shall not be responsible for any damages suffered as a result of any loss of confidentiality of information provided in the course of transmission over the Internet.

You acknowledge and agree that you are solely responsible for your account and the security of any password relating to such account and that you will not disclose such account information to any third parties.  In addition, you will immediately notify us of any unauthorized use of your password or identification or any other breach or threatened breach of the Site’s security.


All products and services are available only in the jurisdictions where they may be lawfully offered for sale, and not all products and services are available in all geographic regions.  The content on the Site does not constitute an offer or solicitation by anyone in any jurisdiction in which an offer or solicitation cannot be legally made.  All products and services are subject to the terms and conditions in their applicable agreements governing their use.


Any links or hyperlinks to other websites outside of the Site are for convenience only.  The listing of any unaffiliated, independent organization should not be interpreted as an endorsement of its services or products.  We disclaim any responsibility for the accuracy, content, legality, reliability or operability of such third party websites.  You acknowledge and agree that we shall not be responsible or liable for any losses or damages suffered in relation to the use of any third party website or product or service offered thereon.

You may not create any link or hyperlink to the Site without our prior written consent.


We own or properly license all trademarks used on or in connection with the Site.  The display of trademarks and trade names on any materials does not imply that a sublicence may or has been granted to anyone else.  The trademarks are protected by Canadian and foreign trademark laws.  All retransmission, alteration, use or any other form of unauthorized copying of a trademark by you may be a violation of the law and which may expose you to legal action.  All rights reserved.


All content, including but not limited to names, words, phrases, page design, text, icons, logos, graphic illustrations, video clips, general look and feel and other materials on the Site is protected by copyright law.  Except as specifically provided, no content, whether inadvertently or otherwise, may be copied, redistributed, reproduced or republished in any form by you.  Republishing and reproducing shall include uploading or downloading of content without authorization.


You agree to indemnify and hold us harmless from and against all losses, damages, expenses and costs, including reasonable legal counsel fees, arising from or in connection with your use or misuse of the Site.


We may restrict or terminate your right to use the Site at any time and at our sole discretion.


This terms and conditions hereof shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein.  You hereby agree to irrevocably attorn to the exclusive jurisdiction of the courts of the Province of Ontario for the determination of any disputes in connection with your access or use of the Site.


All rights not expressly granted in these terms and conditions are reserved to us.  Nothing contained herein shall be construed as conferring by implication, estoppel or otherwise any licence or right under any copyright, patent, trademark or other intellectual property right by us.

This site is provided without warranties of any kind, either express or implied, including, but not limited to, implied warranties of merchantability, satisfactory quality, reasonable care and skill and fitness for a particular purpose and the warranty against infringement with respect to the information provided and the use of this Site.

If you have any questions or concerns with these terms and conditions, please contact us at 1-800-565-5444