If you access and use this Web site (the “Site”), you accept and agree to be bound by and comply with these terms (the “Terms”). If you do not accept the Terms, do not use the Site.

General

All services of www.consumerproposals.com are subject to the terms and conditions of the applicable agreements governing their use.

The information, material and content provided in the pages of the Site (the “Information”) may be changed at any time without notice. Changes may be made to the Terms at any time without notice by updating this posting. You agree to review the Terms regularly and your continued access or use of the Site will mean that you agree to any changes.

Not Offering Any Advice

The Information is for informational purposes only and is not intended to provide specific financial, investment, tax, legal or accounting advice for you, and should not be relied upon in that regard. You should not act or rely on the Information without seeking the advice of a professional.

No Warranties

www.consumerproposals.com and its affiliates, subsidiaries, officers, directors, employees or agents (“ConsumerProposals.com”) provide the Site and the Information on an “as is, where is” basis and do not make any express or implied warranties, representations, endorsements or conditions with respect to the Site or the Information, including without limitation, warranties as to merchantability, operation, non-infringement, usefulness, completeness, accuracy, current ness, reliability and fitness for a particular purpose. Further, ConsumerProposals.com does not represent or warrant that the Site will be available and meet your requirements, that access will be uninterrupted, that there will be no delays, failures, errors or omissions or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your computer system. You have sole responsibility for adequate protection and backup of data and/or equipment and to take reasonable and appropriate precautions to scan for computer viruses or other destructive properties.

Trade-Marks and Copyright

The Information is for your personal use only. Any unauthorized downloading, re-transmission, or other copying or modification of trade-marks and/or the contents of the Site may be a violation of any federal or other law that may apply to trade-marks and/or copyrights and could subject the copier to legal action. The Information is protected under the copyright laws of Canada and other countries. Unless otherwise specified, no one has permission to copy, redistribute, reproduce, republish, store in any medium, re-transmit, modify or make public or commercial use of, in any form, the Information.

Internet E-Mail

Any unprotected E-Mail communication over the Internet is, as with communication via any other medium (e.g. cellular phones, post office mail), not confidential, subject to possible interception or loss, and is also subject to possible alteration. ConsumerProposals.com is not responsible for and will not be liable to you or any one else for any damages in connection with an E-Mail sent by you to ConsumerProposals.com or an E-Mail sent by ConsumerProposals.com to you at your request.

No Endorsements

No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any Information.

No Liability

ConsumerProposals.com is not responsible for and will not be liable to you or anyone else for any damages whatsoever (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with your use of or inability to use the Site or the Information, or any action or decision made by you in reliance on the Site or the Information, or any unauthorized use or reproduction of the Site or the Information, even if ConsumerProposals.com has been advised of the possibility of these damages.

Links/Software

Links from or to web sites outside the Site are meant for convenience only. ConsumerProposals.com does not review, endorse, approve or control, and is not responsible for any sites linked from or to the Site, the content of those sites, the third parties named therein, or their products and services. Linking to any other site is at your sole risk and ConsumerProposals.com will not be responsible or liable for any damages in connection with linking. Links to downloadable software sites are for convenience only and ConsumerProposals.com is not responsible or liable for any difficulties or consequences associated with downloading the software. Use of any downloaded software is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.

Jurisdiction

The Site is administered by ConsumerProposals.com from its offices in Canada. The Site will be governed by and construed in accordance with the laws of Canada applicable therein, without giving effect to any principles of conflicts of laws. All disputes, controversies or claims arising out of or in connection with the Site shall be submitted to and be subject to the jurisdiction of Canada. You submit and attorn to the exclusive jurisdiction of the courts of Canada to finally adjudicate or determine any suit, action or proceeding arising out of or in connection with the Site.