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.

2. 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.

3. 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.

4. 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.

5. 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:

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;
interfere with or disrupt the Website or servers or networks connected to the Website; or
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.

6. 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.

7. 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.

8. 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.

9. 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.