Terms of Use
Introduction
The following Terms of Use (“Terms”) govern your access to and use of this website (the “Site”), operated by OTT Financial Inc. (“OTT,” “we,” “us,” or “our”). Please read them carefully before using the Site.
By accessing or using the Site, you agree to comply with these Terms and applicable requirements. If you do not agree, please do not use the Site.
We may update these Terms from time to time without prior notice. Any changes will be posted on the Site and will take effect upon posting. Your continued use of the Site after any changes are posted constitutes acceptance of the updated Terms.
Use of Site
Access to and use of the Site are subject to OTT’s policies, which may be updated from time to time. OTT will use reasonable efforts to keep the Site operational but does not guarantee continuous availability. OTT may, at its 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 and do not constitute investment, financial, legal, accounting, or tax advice. You should consult your own professional advisors regarding your particular circumstances.
Site Content
All content on the Site is provided as of the date posted and may be updated or changed without notice. While OTT makes reasonable efforts to ensure accuracy and currency, it does not guarantee the accuracy, completeness, or timeliness of the information. Reliance on any information on the Site is at your own risk.
Third-Party Websites
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. Access to such websites is at your own risk. OTT does not endorse or assume responsibility for websites that link to the Site.
No Endorsements
References to third-party persons, entities, products, or services on this Site do not constitute or imply any endorsement, approval, or recommendation by OTT.
No Offer or Solicitation
Nothing on this Site constitutes an offer or solicitation to provide financial services, including money services business (MSB) services, in any jurisdiction where such offer or solicitation is unlawful. Any services described on the Site are subject to applicable terms and regulatory requirements.
Security and Confidentiality
The Internet is not a fully secure medium, and communications sent through this Site may be intercepted, altered, or lost. OTT is not responsible for any loss or damage arising from such security risks. Confidential or proprietary information relating to OTT, its clients, or its business must not be disclosed to unauthorized parties.
Privacy
Information submitted through this Site will be handled in accordance with OTT’s privacy practices. OTT collects and uses personal information only for intended and legitimate business purposes. The Site may use cookies or similar technologies to improve functionality and user experience under applicable law. By using the Site, you acknowledge and agree to such use.
Intellectual Property
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, whether by implication, estoppel, or otherwise. You may not copy, reproduce, distribute, modify, or otherwise commercially exploit any content without prior written consent of OTT. All rights not expressly granted are reserved.
Prohibited Conduct
You agree not to:
- access or copy the Site or its content using automated tools, including bots, spiders, or scrapers;
- interfere with or attempt to compromise the Site’s security, integrity, or availability;
- frame, mirror, or deep-link to the Site without OTT’s prior written consent;
- introduce viruses, malware, or other malicious code; or
- use the Site for any unlawful, infringing, or fraudulent purpose.
Termination
OTT may restrict, suspend, or terminate your access to the Site at any time, without notice, if you violate these Terms or for any other reason at OTT’s discretion.
Indemnity
You agree to indemnify, defend, and hold harmless OTT and its affiliates, directors, officers, and employees from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or relating to your use of the Site, violation of these Terms, or reliance on its content.
Governing Law
These Terms are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes arising from or relating to these Terms shall be subject to the exclusive jurisdiction of the courts of the Province of Ontario.
Jurisdictional Restrictions
The Site is controlled from Canada and is not intended for use in jurisdictions where such use would be contrary to applicable laws or regulations. OTT makes no representation that the Site or its content is appropriate or available for use in other jurisdictions. You are responsible for complying with local laws.
Disclaimer of Liability
The Site and its content are provided “as is,” without warranties of any kind, express or implied. OTT and its affiliates, directors, officers, and employees shall not be liable for any damages arising from or relating to your use of or reliance on the Site, including direct, indirect, incidental, consequential, or punitive damages, even if advised of the possibility of such damages.
Other Agreements
All products and services provided by OTT are subject to separate written agreements or related terms. Nothing in these Terms modifies or supersedes any other agreement you may have with OTT. In the event of any discrepancy between the English version and any translation, the English version shall prevail.
Severability and Waiver
If any provision of these Terms is found to be invalid or unenforceable, it shall be enforced to the maximum extent permitted by law, and the remaining provisions shall remain in full force and effect. A waiver of any provision by OTT does not constitute a waiver of that provision or any other provision in the future.