Please read these Terms of Use (“Terms”) carefully before using this website (the “Site”) operated by OTT Financial (“OTT”, “we”, “us”, or “our”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, you should not use the Site.

We may update these Terms at any time without prior notice. Any changes will become effective upon posting on the Site. Your continued use of the Site constitutes acceptance of such updates.

Access to and use of this Site is subject to OTT’s policies, which may be updated from time to time. We will use reasonable efforts to keep the Site operational but do not guarantee continuous availability. OTT may, at its sole discretion, modify, suspend, or terminate the Site or your access to it at any time without notice.

The Site and its content are provided for general informational purposes only. They are not intended to provide investment, financial, legal, accounting, or tax advice. You should consult your own professional advisors regarding your particular circumstances.

All content on the Site is provided as of the date posted and may be changed or updated without notice. While OTT makes reasonable efforts to ensure accuracy, completeness and timeliness are not guaranteed. Your reliance on any information from the Site is at your own risk.

Nothing on this Site constitutes an offer to sell, or a solicitation of an offer to buy, any securities, financial instruments, or advisory services in any jurisdiction where such offer or solicitation would be unlawful. Any offering of securities or advisory services will be made only through applicable offering documents and in compliance with local laws.

Links to third-party websites are provided for convenience only. OTT does not control, endorse, or assume responsibility for the content, products, or services offered by such websites. Accessing them is at your own risk. OTT also does not endorse websites that link to our Site.

References to third-party persons, entities, products, or services on this Site do not constitute or imply endorsement, approval, or recommendation by OTT.

The Internet is not a fully secure medium. Communications sent through this Site may be intercepted, altered, or lost. OTT is not responsible for any damages arising from such security risks. Confidential or proprietary information relating to OTT, its clients, or its business must not be shared with unauthorized parties.

Information submitted through this Site will be handled in accordance with OTT’s privacy practices. We collect and use personal information only for intended business purposes. The Site may use cookies or similar technologies to improve functionality and enhance user experience. By using the Site, you consent to such use.

All content on this Site—including text, graphics, images, logos, and designs—is the property of OTT and is protected by copyright, trademark, and other applicable laws. No license or right is granted by implication, estoppel, or otherwise. You may not copy, reproduce, distribute, or modify any content without prior written consent from OTT. All rights not expressly granted are reserved.

OTT may restrict or terminate your access to the Site at any time without notice if you violate these Terms or for any other reason in OTT’s discretion.

You agree to indemnify, defend, and hold harmless OTT, its affiliates, directors, officers, and employees from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from your use of the Site, your violation of these Terms, or your reliance on its content.

These Terms shall be governed by and interpreted in accordance with the laws of the Province of Ontario and the federal laws of Canada. Any disputes shall be resolved exclusively in the courts of Ontario.

The Site is controlled from Canada and is not intended for use in jurisdictions where such use would be contrary to law or regulation. OTT makes no representation that content is appropriate or available for use in other locations. You are responsible for compliance with local laws.

The Site and its content are provided “as is,” without warranties of any kind, express or implied. OTT and its employees shall not be liable for any damages arising from the use of, or reliance on, the Site—including direct, indirect, incidental, consequential, or punitive damages—even if advised of the possibility of such damages.

All products and services provided by OTT are subject to the terms of separate written agreements. Nothing in these Terms modifies or supersedes any other agreement you may have with OTT. If there is any discrepancy between this English version and any translation, the English version shall prevail.

If any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent permitted, and the remaining provisions will remain in full force and effect. No waiver of any provision shall be deemed a further or continuing waiver of that provision or any other.