TERMS OF USE

Effective Date:  February 17, 2017

The website cvtrustco.com, including subdomains, (the “Website”) is operated by CV TrustCo Inc. (“CV TrustCo”).  Your use of the Website is governed by this Terms of Use and a Privacy Policy (collectively, the “Terms”).  You must agree to the Terms in order to access the Website.

By accessing the Website you are agreeing to be bound by the Terms.  If at any time you disagree with the Terms you agree to immediately stop accessing the Website.

  1. Updates

CV TrustCo reserves the right, in its sole discretion, to change or modify or to add or remove portions of the Terms at any time (“Updates”).  CV TrustCo agrees to notify you of Updates by a notification posted on cvtrustco.com.  You will be deemed to have accepted any Update by continuing to access the Website.  Unless CV TrustCo states otherwise, Updates are automatically effective thirty days after being posted on cvtrustco.com.

 

  1. No Relationship

 

Accessing the website or contacting any CV TrustCo person does not create an accountant-client, advisory or any other fiduciary relationship.  Your communications with CV TrustCo, prior to their formal engagement by you, are not guaranteed to be confidential and CV TrustCo expressly disclaims any warranties, express or implied, concerning such confidentiality.

  1. Informational Purposes Only

 

Website content is for general, informational purposes only, does not constitute professional advice and cannot be relied upon as accurate, complete, current, reliable or fit for your particular situation.  Please contact CV TrustCo or another qualified professional for advice on your particular situation.

  1. License

 

CV TrustCo grants you a non-exclusive, non-transferable, revocable (at any time and without cause) license to access the Website and to display, download and print copies of Website content for your use.  Unless expressly stated in the Terms of Use, no additional license to the Website content is granted to you.

  1. Restricted Activities

You agree to use the Website in a manner consistent with any and all applicable laws and regulations and to not do the following in connection with the Website:

  1. use any robot, spider, site search/retrieval application or other manual or automatic device or process to retrieve, index, data-mine or in any way reproduce or circumvent the navigational structure or presentation of the Website;
  1. interfere with or disrupt the Website or servers or networks connected to the Website; or
  1. post, email or otherwise transmit any material that contains software, viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment.
  2. Third Party Content

 

The Website may incorporate content provided by, or links to, third parties.  CV TrustCo’s provision of Third Party content and links is for general informational purposes and does not constitute any representation or warranty regarding the quality of such content nor an endorsement thereof.

 

  1. Disclaimer

 

THE WEBSITE IS provided TO YOU “AS IS” without any warranty of any kind.  CV TRUSTCO MAKES NO REPRESENTATIONS OR WARRANTIES, express or implied, ABOUT THE ACCURACY, COMPLETENESS, CURRENCY, RELIABILITY, TIMELINESS, QUALITY, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE WEBSITE and contenT, TO THE EXTENT AUTHORIZED BY LAW. CV TRUSTCO MAKES NO representations or WARRANTIES THAT THE WEBSITE and CONTENT WILL MEET YOUR REQUIREMENTS OR will be free of errors, omissions, inaccuracies OR WILL NOT HARM YOUR COMPUTER OR MOBILE DEVICE.  YOU ASSUME RESPONSIBILITY FOR DETERMINING WHETHER THE WEBSITE and its content IS APPROPRIATE FOR YOU.  YOU BEAR THE ENTIRE RISK IN accessing and using THE WEBSITE and content.

  1. Limitation of Liability

IN NO EVENT WILL CV TRUSTCo, its directors, officers, employees OR AGENTS, BE LIABLE TO YOU BASED ON CONTRACT, tort, negligence, strict liability, INCIDENTAL, CONSEQUENTIAL OR INDIRECT DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR DELETION, CORRUPTION, LOSS OF DATA, LOSS OF PROGRAMS, FAILURE TO STORE ANY INFORMATION OR OTHER CONTENT MAINTAINED OR TRANSMITTED BY THE WEBSITE, SERVICE INTERRUPTIONS OR FOR THE COST OF PROCUREMENT OF SUBSTITUTE SERVICES) ARISING OUT OF OR IN CONNECTION WITH THE WEBSITE OR CONTENT EVEN IF CV TRUST OR ITS AGENTS KNOW OR HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

  1. General

 

9.1   Governing Law

The Terms are governed by the laws of the Province of British Columbia without regard to choice of law principles.

9.2   Severability

 

To the extent any section, clause, provision or sentence or part thereof of the Terms is determined to be illegal, invalid or unenforceable by competent authority in any jurisdiction, then that portion will be severed and the remainder of the Terms of Use will be given full force and effect.

9.3   No Waiver

 

CV TrustCo’s failure to assert or enforce any right contained in the Terms of Use will not constitute a waiver of that right.

 

9.4   Entire Agreement

The Terms constitute the entire understanding and agreement between the parties with respect to the subject matter hereof and supersedes any prior oral or written agreements, communications, representations or undertakings provided.  To the extent the Terms of Use conflicts with the provisions of the Privacy Policy, the conflicting provisions of the Privacy Policy will govern.

PRIVACY POLICY

 

Effective Date:  February 17, 2017

This Privacy Policy applies to cvtrustco.com, including subdomains, (the “Website”) and details CV TrustCo Inc. (“CV Trust”) information collection, use and disclosure practices.

The Privacy Policy addresses two kinds of information: (1) Personal Information; and (2) Anonymous Information.  Personal Information identifies you and includes information such as your first and last name, address and email address.  Anonymous Information does not identify you and can be combined with Anonymous Information about others.

1.     Information we Collect

We only collect Personal Information that you choose to provide through the Website, such as completing online forms to receive any CV TrustCo online publications or when you contact CV TrustCo through the Website and provide Personal Information as part of your communication.

 

We collect Anonymous Information in the form of service statistics derived from your use of the Website, such as:

  • pages you viewed, how long you were on a particular page, how many times you have been to a page and whether you clicked on a link;
  • country you are accessing the Website from;
  • type of web browser and operating system used to access the Website along with mobile device information and IP address; and
  • how you located the Website, such as search engine queries and third party links you clicked.

Service statistics may be derived from cookies.  A cookie is a small file we place on your computer and acts as a unique identifier.  A cookie does not allow us access to your computer or any information about you, other than the data you choose to share with us.

The Website does not respond to web browser do not track signals or similar mechanisms.

2.     How we use your Information

We use your Personal Information to respond to communications CV TrustCo receives from you, to provide services requested by you and deliver our publications.

We use your Anonymous Information internally for statistical analysis purposes to better understand our customers and to improve our offerings.

  1. Who we Disclose Information to

We disclose your information outside of CV TrustCo for the following purposes:

 

  • for internal purposes, we disclose your Personal and Anonymous Information to our parent companies, affiliates, subsidiaries, directors, officers, employees and contractors;

 

  • we disclose your Anonymous Information to third parties (such as Google Analytics) only so they may render such information into statistics that we may analyze;

 

  • we disclose your information to law enforcement or other appropriate third parties in connection with criminal investigations, investigation of fraud, infringement of intellectual property rights, other suspected illegal activities or as otherwise may be required by applicable law or, as we deem necessary in our sole discretion, in order to protect the legitimate legal and business interests of CV TrustCo; and
  • in the event of, or in preparation for, a change of ownership or control of CV TrustCo, a business transition, such as the sale of some, or all, CV TrustCo assets.

 

  1. Third Party websites

The Website may include links to third party websites that may disclose your Personal or Anonymous Information to third parties.  Additionally, third party websites may collect Personal Information about your online activities over time and across different websites.  The Privacy Policy only applies to information that CV TrustCo collects, uses or discloses and does not apply to the collection, use or disclosure of your information by third parties. Use of third party websites may require you to accept a third party’s terms of service/use or privacy policy.  It is your sole responsibility to determine whether any third party privacy policy or other agreement is acceptable to you.

  1. ACCESSING OR CHANGING your information

You may contact CV TrustCo to obtain a copy of any personal information we have collected about you, the production of which may be subject to a fee as permitted by applicable law.  In addition, you may contact CV TrustCo to correct or delete such information, except to the extent that retention is necessary for our legitimate business purposes, required by applicable law, in the control of a third party or where correction or deletion is not technically feasible.

If you would like to change the email preferences we associate with you (for example, unsubscribing from receiving certain types of email) you may do so by clicking a link within emails that we send to you.

 

  1. INFORMATION STORAGE AND RETENTION

While CV TrustCo is a Canadian company, information you provide to us is stored and processed by third parties in countries around the world.  You authorize CV TrustCo and third parties acting on our behalf to use and process your data in any country of their choosing, which may cause your data, including Personal and Anonymous Information, to be subject to privacy protections and legal rights that may not be equivalent to those in your country.

Your personal information is retained until you request its deletion pursuant to section 5 or until CV TrustCo no longer requires such information for the purpose for which it was collected.

  1. SECURITY

We are committed to ensuring that your information is secure. In order to prevent unauthorized access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect.

  1. Updates

 

CV TrustCo reserves the right, at its sole discretion, to change or modify or to add or remove portions of the Privacy Policy at any time (“Updates”).  We agree to notify you of Updates by a notification posted on cvtrustco.com.  You will be deemed to have accepted any Update by continuing to access the Website.  Unless CV TrustCo states otherwise, Updates are automatically effective thirty days after being posted on cvtrustco.com

  1. Contact us

If you have questions or comments about the Privacy Policy or CV TrustCo’s data collection in general, please contact us at info@cvtrustco.com.

© 2019 CV TrustCo