1. Terms of use of this website

This website is owned by Humania Finance ("Website Owner"), which operates for your personal, non-commercial use and for your information. Your use of this website is subject to the following terms and all applicable laws. By accessing this website and browsing it, you accept these terms without limitation or qualification.

2. Protected by copyright elements

The material on this site may not be copied, reproduced, republished, uploaded, posted, transmitted, distributed or modified in whole or in part, whether in text, graphical, audio, video or executable form, without the written permission of the Website Owner.

3. Trademarks

The trademarks and logos (including certain names, words, titles, drawings, illustrations and icons) (hereinafter the "Trademarks") displayed on this Website are Trademarks of the Website Owner or were used in agreement with third parties and cannot be used without written permission of the Trademark owner.

4. Data contained in this website

The material and information provided by the Website Owner are material and information that were believed to be reliable when posted and are published for informational purposes only. The Website Owner does not guarantee that the material is accurate or complete or that it will be up to date at all times.

5. Disclaimer of Warranties

The Website Owner makes no declaration and gives no warranty regarding the functionality or condition of this website, its suitability for use or its use without interruption or error free. These exclusions are in addition to any explicit exclusion otherwise provided in these Terms. If any part of this limitation is not permitted in the jurisdiction to which you are subjected, this part does not apply.

6. Disclaimer

The Website owner is not responsible for any damage, whether direct or indirect, arising from the use of material or information contained on this website.

7. Ownership and Confidentiality

You acknowledge that any information or material provided by you electronically through your access to this website or use are not confidential or exclusive except as required under applicable laws and that any unprotected email communication can be intercepted or altered or lost. You also warrant that any information or material provided electronically by you to the Website Owner in order to access this website or use it does not infringe the rights of any person or entity and that the Website Owner may use such information or material, in whole or in part in any manner, by reproducing, retransmitting or publishing this material or ideas or concepts or any other information contained therein.

8. Monitoring

The Website Owner may monitor every webpage that is accessed, discussions that take place and items that are displayed, as well as other activities related to the website and take appropriate action in this regard but makes no declaration and gives no warranty to that effect. You consent to such surveillance and intervention, if the Website Owner decides to do so.

9. Links

Links and references to other websites are provided solely for your convenience. The Website Owner has not reviewed and does not expressly or implicitly endorse other websites or any information or material accessed through these links, nor their accessibility, and assumes no responsibility for these other websites and the information or material posted thereon, or products or services offered therein. You may not create links to this website on other websites without the express consent of the Website Owner.

10. Electronic privacy

Even if the visitor can visit this website without telling Humania Finance who he is and without revealing any information about himself, an exchange of information occurs automatically between the visitor's computer and the server at Humania Finance by accessing this website. This exchange of information does not allow Humania Finance to identify the visitor, his name or his email address. However, this exchange allows Humania Finance to get the Domain used to access the website, the visitor's IP address, the type of browser and operating system used by the visitor to access this website, the date and time at which the visitor accessed the website, the pages viewed by the visitor, and it also shows if the visitor came from another website and the address of that website (referral site).

It is through cookies that Humania Finance’s operating system may automatically collect this information. Cookies are small pieces of information stored by the Web browser of the visitor on the hard drive of the computer that allow Humania Finance to recognize visitors when they access the site. When the visitor browses the Internet, a cookie is used for the purposes described above. If the visitor does not want information about their visit collected by Humania Finance, he may, at his sole discretion, set his browser to be notified when he will receive a cookie or to prevent the sending of such cookies.

This information is used by Humania Finance to measure the number of visits and the pages viewed, the average time visitors spend on the website and to establish other statistics about visitors to the website in general. This information also allows Humania Finance to check the performance of the website, for purposes of system administration, to make the website easier and more convenient to use and to report certain information, managed on an overall basis, to representatives for whom transmission of such information is necessary to the exercise of their functions.

11. Other personal information

Humania Finance does not collect personal information about visitors other than what the visitor, in his sole discretion, decides to voluntarily provide. However, if the visitor would like to receive information from Humania Finance or subscribe to a mailing list, Humania Finance must disclose their email address for the server to respond to his request or, under certain circumstances, send the requested information. This information is also collected in order to enable and manage subscriptions to the Humania Finance mailing list (including subscription parameters modification and name removal) and to facilitate the communication of relevant information to visitors and to better understand their profile. This information is strictly confidential and will not be used for marketing purposes.

A copy of the personal information provided by the visitor to Humania Finance is kept on Humania Finance servers located in Laval, Quebec, Canada. Visitors can access the personal information provided to Humania Finance and notify Humania Finance of any update. Visitors can also ask to modify or remove certain information collected by Humania Finance during their visit by sending an email to [email protected].

When considered appropriate, Humania Finance uses tools of encryption or authentication, or both, as well as other methods to protect personal information from the Web and store it on its servers. Visitors acknowledge and agree that the emails sent by visitors to Humania Finance may be tampered with before they arrive on Humania Finance’s server.

Personal information, electronic or any other, collected by Humania Finance is not disclosed to anyone except Humania Finance representatives who need the information to perform an action related to the fulfilment of the purposes mentioned in these Terms. Visitors agree and acknowledge that Humania Finance is authorized to use or disclose personal information from visitors to the extent permitted or required by law, including under court orders.

12. Viruses, etc.

The Website Owner makes no declaration and gives no warranty as to the fact that information or material, including downloadable software, accessed on or from this website, will be free of errors, defects, viruses or other harmful components, that access will be uninterrupted or that any such problems will be corrected.

13. Damage to Others

You agree not to introduce into or from this website information or material that may be harmful to others, and among other things, not to insert in information or material, knowingly or otherwise, any error or defects that could constitute defamation or obscenity, or promote hatred or otherwise give way to a criminal offense or civil liability on the part of any person or entity.

14. Reservation of Rights

The Website Owner reserves all rights not expressly granted herein. Nothing contained in these Terms shall be perceived as granting, by implication or otherwise, any license or right under any copyright, patent, trademark or any other Intellectual property of the Website Owner or any other person or entity.

15. Applicable laws

This website is controlled and operated by the Website Owner in Laval, Quebec, Canada and these Terms are governed by the laws of the Province of Quebec and the applicable laws of Canada without reference to principles of conflict of laws. You agree to be bound by such laws and to submit to the jurisdiction of the courts of the Province of Quebec with respect to the interpretation or application of these Terms.

16. Changes to Terms

The Website Owner may modify or update the Terms applicable to this website from time to time without notice, and you agree to be bound by such Terms as in effect at the time you access this website.

17. Territory

This website is controlled and operated by the Website Owner in Laval, Quebec, Canada. The Website Owner makes no declaration as to the suitability or availability of the items listed on the website for use in other locations. Those who choose to access this website from other locations do so on their own initiative and are responsible for compliance with local laws, to the extent that they apply.