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” This has been the best decision of my life! The credit counsellors are quick with responses, they know their stuff and they have helped me with a kindness and consideration that I will never forget. Thanks Consolidated Credit! “
Suz-Ann C.
This has been the best decision of my life! The credit counsellors are quick with responses, they know their stuff and they have helped me with a kindness and consideration that I will never forget. Thanks Consolidated Credit! 
Suz-Ann C.
Consolidated Credit Counseling Services of Canada, Inc. has helped more than 500,000 Canadians in 14 years find relief from debt. Now we’re here to help you.
A Trained Credit Counsellor will be calling you at the number you provided. They’ll complete your free debt and budget analysis, then discuss the best options for getting out of debt with you. If you qualify to enroll in a debt management program, your counsellor can also help you enroll immediately.
For immediate assistance, please call:
Hours of Operation:
Monday – Thursday 8:30AM to 8PM (EST)
Friday 8:30AM to 6PM (EST)
Saturday 9AM to 2PM (EST)
Headquarters:
505 Consumers Road, Suite 400
Toronto, Ontario M2J 4V8
Ontario Registration #4705786
Talk to a trained credit counsellor to evaluate your current situation.
Identify the right debt solution for your needs.
Develop a payment plan that fits your budget, so you can stop struggling to keep up with your bills.
When necessary, we’ll negotiate with creditors to reduce or eliminate interest charges so you can get out of debt faster.
3 years ago I found myself with overwhelming credit card debt of over $45,000. I really didn’t know what I was going to do. With Consolidated Credit, all my debts were rolled into one payment with little or no interest. I don’t know where I would be today if not for this program!
It’s so great to think I’ve just about done my time. If that sounds like a prison sentence it’s because that’s what this was for me. I put myself into a debt prison but you all have helped me achieve my goals. Thank you, Consolidated Credit
With this amount of debt, you'd pay around
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Canadian Association of Credit Counselling Services (CACCS)
We are a proud member of the Canadian Association of Credit Counselling Services (CACCS), the national voice for not-for-profit credit counselling services. As a CACCS member, you can trust that our trained credit counsellors strive to provide the best in professional, independent and unbiased personal finance services. We’ve helped hundreds of thousands of Canadians find relief from debt. Call us today to find out if we can help you.
Toronto Board of Trade
Consolidated Credit Counseling Services of Canada, Inc. is proud to be a member and support the Toronto Board of Trade. Founded in 1845, the Toronto Board of Trade is Canada’s largest local chamber of commerce. We share their vision, passion and commitment to serving the community and to foster economic and social welfare of the City of Toronto. Call us today and see what we can do for you.
Canadian Centre for Accreditation
Consolidated Credit Counseling Services of Canada, Inc. is accredited by the Canadian Centre for Accreditation
– a national organization responsible for ensuring excellence in community service.
We meet CCA’s high standards of service and accountability.
Give us a call today and find out what we can do for you.
Click here to learn more.
Ontario Association of Credit Counseling Services
We are proud members of the Ontario Association of Credit Counseling Services (OACCS). OACCS sets the standard of required expertise for the financial counselling industry and the only organization to offer the exclusive professional designation of Accredited Financial Counsellor Canada (AFCC). With over 500,000 people helped, you can be assured that we can find the right solution for you. Call us today.
Click for the BBB Business Review of this Credit & Debt Counseling in North York ON
Time tested and customer trusted. Consolidated Credit Counseling Services of Canada, Inc. has been a BBB Accredited Business since 2008 and has a current A+ rating. Call us today and see what we can do for you. View the Consolidatedcredit.ca BBB review status.
Consolidated Credit Counseling Services of Canada, Inc. is honored to receive the 2012 Excellence in Financial Literacy Education (EIFLE) Nonprofit Organization of the Year award. The EIFLE awards acknowledge innovation, dedication and the commitment of organizations that support financial literacy education worldwide. See what Consolidated Credit Counseling Services of Canada, Inc. can do for you.
Buy Social Canada Certified Social Enterprise
We are proud to be a Buy Social Canada Certified Social Enterprise. As a Buy Social Canada Certified Social Enterprise we have a central social, environmental or cultural mission, we generate the majority of our revenue from the sales of goods or services, and we reinvest the majority of our profits back into our mission or purpose. We are focused on selling with impact and part of the growing movement of community capital creators.
This Policy was last updated on August 16, 2023.
This is Consolidated Credit Counselling Services of Canada Inc.’s (“Consolidated Credit”) privacy policy (this “Policy”). This Policy explains Consolidated Credit’s policies for the collection, use and disclosure of personal information. Consolidated Credit abides by applicable privacy legislation, including, but not limited to the Personal Information Production and Electronic Documents Act, as amended from time to time.
For purposes herein, “personal information” means information about an identifiable individual.
THE INFORMATION WE COLLECT
Consolidated Credit offers consumer credit counselling services.
The types of personal information we may collect include: name and contact information, date of birth, language preference, credit information, debt information, income and financial information, as well as social media user identification names. In addition, we may collect certain information such as cookies, IP addresses, web beacons, or other information that cannot be used to directly identify an individual but may still be used to identify the individual when combined with other information which may be available in the public records. We may record calls to or from our staff for purposes of accuracy, performance reviews and training.
HOW WE COLLECT INFORMATION
Consolidated Credit collects information by various methods including information actively provided by its clients, and (with consent) credit checks and information arising from our credit counselling services.
HOW WE USE THIS INFORMATION
The personal information we collect is only used to provide our services to our clients. The client’s contact information may also be used for other internal purposes such as sending Consolidated Credit’s newsletters, updates, announcements and other information or to better serve our clients.
Consolidated Credit may use aggregated or anonymous information which will not be linked to identified individuals for various other uses for itself and third parties.
WHO WE SHARE THIS INFORMATION WITH
Consolidated Credit does not share personal information with third parties except as required to provide or improve our services. The nature of our services requires Consolidated Credit to disclose personal information to creditors. Consolidated Credit may provide personal information to its consultants, subcontractors and professional advisers or other third-parties (each of which shall be bound by privacy obligations) to assist Consolidated Credit’s uses disclosed herein. If Consolidated Credit refers a client to a third party for advice or services Consolidated Credit does not provide, it will share that client’s personal information with the third party after the client agrees to use such services.
Consolidated Credit will disclose personal information without an individual’s knowledge or consent if we receive an order, subpoena, warrant or other legal requirement issued by a court, tribunal, regulator or other person with jurisdiction to compel disclosure of an individual’s personal information. If we receive a request from a police officer or other law enforcement agency for access to your personal information in the course of an actual or potential investigation, our policy is to require the police officer or law enforcement agency to obtain an order, subpoena or warrant, unless the information is urgently required to prevent serious bodily injury or serious damage to personal property. If we receive a written request from a police officer or other law enforcement agency with authority to request access to your personal information in the course of an actual or potential investigation into a breach of a law, our policy is to provide the requested information.
Consolidated Credit may disclose personal information to another entity purchasing (including for diligence purposes prior to purchase) the assets of Consolidated Credit, provided that entity abides by this Policy or a similar privacy policy.
SMS AND PHONE CALL OPT-IN AND OPT-OUT
By providing your phone number and/or joining our SMS Service, you authorize Consolidated to contact you (including using autodialers, automated text and pre-recorded messages) via your telephone, cellphone, mobile device (including SMS and MMS) and email, even if your telephone number is currently listed on any state, federal or company’s Do Not Call list. Standard phone and data charges will apply. Your consent to the above terms is not required as a condition of purchasing or receiving our services. You also consent to the recording and monitoring of all calls to and from us. You may opt out of receiving such phone calls or text messages to your mobile device at any time by emailing us your instructions at [email protected]. You may also opt-out and remove your authorization to receive SMS text messages by replying with “STOP”, “END”, “QUIT”, “UNSUBSCRIBE”, or “CANCEL” to any SMS you receive or by going to Members of Consolidated Credit.
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
SECURITY
Personal information is stored in a combination of paper and electronic files. These files are protected by security measures appropriate to the nature of the information. Client data on Consolidated Credit’s network is encrypted in transit and all data is encrypted at rest. Backups are run at least once per day and all backups are encrypted, air gapped and zero trust.
You will be promptly notified in writing in the event of theft, loss, unauthorized use or release of your non-public personal information.
ACCESSING INFORMATION
Individuals may review their personal information contained in Consolidated Credit’s files by contacting the Consolidated Credit privacy officer at the email address provided at the end of this Policy. If an individual believes that any of their personal information is inaccurate, we will make appropriate corrections.
OPT-OUT POLICY, YOUR NEWSLETTER AND EMAIL SUBSCRIPTIONS
You can opt-out or unsubscribe to a newsletter or other email list at any time by following the instructions at the end of the newsletters or emails you receive. Please allow five to ten business days for changes to take effect. Client service-related communications are an integral part of the services you receive from us and you may continue to receive such service-related emails unless you cancel your account, even if you opt out of the newsletters or email list. If you have provided more than one email address to us, you may continue to be contacted unless you request to unsubscribe each email address you have provided. You may also opt-out of receiving our newsletter or marketing emails by contacting us at the unsubscribe email or by replying to an existing email with your request to be removed from the mailing list or click here.
COOKIES
This website, https://www.consolidatedcredit.ca/ (the “Website”), uses cookies to improve the Website’s performance and to enhance your user experience. Certain areas of the Website also use cookies to understand more about our uses in an effort to offer more personalized experiences.
If you have any questions in relation to the cookies we use, please contact us at [email protected] or 437-266-2790.
(a) What is a cookie?
A cookie is a small text file placed on your device by the websites that you visit. Cookies are then sent back to the website on each subsequent visit, or to another webpage that recognizes that cookie. Cookies are used in order to make the website work, or to work more efficiently, as well as to provide information to the owners of the website. Such information may be used to provide a more personalized and responsive service. Cookies may be either first party cookies set directly by us to your device, or third-party cookies set by a third party provider on our behalf. Whenever you use this Website, information may be collected through the use of cookies and other similar technologies (e.g., web beacons, tags, scripts, local storage).
(b) Cookies we may use and why
When we use cookies on our Website, we may classify them into any one of the following categories:
To view a list of the cookies that are used by the Website, click on “Manage cookie preferences” at the top of this Cookie Notice.
(c) How long will cookies remain on my device?
The length of time cookies will stay on your device will depend on whether it is a “persistent” or “session” cookie. A persistent cookie will be stored by a web browser and will remain valid until its set expiration date, unless deleted by you before the expiration date. A session cookie, on the other hand, will expire at the end of your web session, when the web browser is closed.
(d) Cookies that have been set in the past
If you have disabled one or more cookies, we may still use information collected from cookies prior to your disabled preference being set; however, we will stop using the disabled cookie to collect any further information.
(e) How can I control cookies?
You can control and manage cookies in various ways. Please keep in mind, removing or disabling cookies may impact your user experience and parts of this Website may no longer be fully functional.
Click on “Manage cookie preferences” at the top of this page to control which cookies are used on this Website. You may also be able to change your browser settings to manage and control cookies.
For more information on cookies used by other websites or pages, please refer to the specific privacy or cookie notice on those websites.
(f) Email communications
We may also use tracking technologies to determine whether you have read, clicked on, or forwarded certain email communications we send to you so that we can make our communications more helpful and interesting. If you do not wish us to confirm whether you have opened, clicked on or forwarded our communications, you will need to unsubscribe, as it is not possible for us to send these emails without tracking enabled. Registered subscribers can update their communication preferences at any time by contacting us, or you can unsubscribe following the instructions in the individual email communications you receive from us.
(g) Changes to this Cookie Notice
We may modify or amend this Cookie Notice from time to time at our discretion. When we make changes to this notice, we will amend the revision date at the top of this page, and such modified or amended Cookie Notice shall be effective as to you and your information as of that revision date.
We encourage you to periodically review this Cookie Notice to be informed about how we are using cookies.
THIRD-PARTY WEB BEACONS
Consolidated Credit uses third-party web beacons from Yahoo! to help analyze where visitors go and what they do while visiting the Website. Yahoo! may also use anonymous information about your visits to this and other websites in order to improve its products and services and provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by Yahoo! visit https://legal.yahoo.com/us/en/yahoo/privacy/dashboard/index.html to learn how to opt out of this service.
RETENTION OF PERSONAL INFORMATION
Consolidated Credit will keep your personal information for as long as it remains necessary for the identified purposes, as required by law, or in accordance with our retention schedules, which may extend beyond the termination of our relationship with you. Consolidated Credit reserves the right to maintain personal information records for both active and inactive/unsubscribed clients.
CHILDREN AND MINORS
The Website and the services offered on the Website are not directed to children under the age of 13 years. We will not knowingly collect personal information about a child under the age of 13. We do not allow minors (persons who are under the age of majority in their place of residence) to create accounts, make purchases or enter contests or promotions, or otherwise make any use of the Website. If you believe your child entered information on our site, please let Consolidated Credit know so we can remove the information from our site database.
STORAGE OUTSIDE OF CANADA
Your personal information may be used or stored by us or our service providers and our corporate affiliates outside of Canada. We require that our service providers and our corporate affiliates safeguard your personal information. However, if your personal information is used or stored outside of Canada, it will also be subject to the laws of the country in which it is used or stored.
GENERAL
Consolidated Credit reserves the right to amend this Policy from time to time by posting an updated version on the Website. If such amendments affect how Consolidated Credit uses or discloses personal information already held by Consolidated Credit in a material way, Consolidated Credit will obtain consent.
Notwithstanding the general terms of this Policy, the collection, use, and disclosure of personal information may be made outside of the terms herein to the extent provided for in any applicable privacy or other legislation in effect from time to time, or pursuant to court orders.
CONTACT US
For more information on Consolidated Credit and privacy, please contact our Privacy Officer at: [email protected]. If you are unhappy with the way Consolidated Credit has processed your personal information, you have a right to complain to the Office of the Privacy Commissioner.
These Terms and Conditions were last updated on August 16, 2023.
Acceptance of the Website Terms and Conditions of Use
These website terms and conditions of use for https://www.consolidatedcreditcanada.ca/ (the “Website” or this “site”), constitute a legal agreement and are entered into by and between you and Consolidated Credit Counseling Services of Canada, Inc. (“Company,” “we,” “us,” “our”). The following terms and conditions (these “Terms and Conditions”), govern your access to and use, including any content, functionality, products and services offered on or through the Website (the “Services”).
BY USING THE WEBSITE OR BY CLICKING TO ACCEPT THE TERMS AND CONDITIONS, YOU ACCEPT AND AGREE TO BE BOUND AND COMPLY WITH THESE TERMS AND CONDITIONS AND OUR PRIVACY STATEMENT, FOUND AT https://www.consolidatedcreditcanada.ca/privacy-statement/, INCORPORATED HEREIN BY REFERENCE. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS OR THE PRIVACY STATEMENT, YOU MUST NOT ACCESS OR USE THE WEBSITE. By using this Website, you represent and warrant that meet all of the foregoing eligibility requirements.
Modifications to the Terms and Conditions and to the Website
We reserve the right in our sole discretion to revise and update these terms and conditions from time to time. Any and all such modifications are effective immediately upon posting and apply to all access to and continued use of the Website. You agree to periodically review the terms and conditions in order to be aware of any such modifications and your continued use shall be your acceptance of these. The information and material on this Website, and the Website may be changed, withdrawn or terminated at any time in our sole discretion without notice. We will not be liable if for any reason all or any part of the Website is restricted to users or unavailable at any time or for any period.
Your Use of the Website and Account Set-Up and Security
Users are responsible for obtaining their own access to the Website and for the Website’s availability and performance. Users are required to ensure that all persons who access the Website through a user’s internet connection are aware of these Terms and Conditions and comply with them. Users are responsible for any security breaches or performance issues relating to accessing the Website.
The Website including content or areas of the Website may require user registration. It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete. Your provision of registration information and any submissions you make to the Website through any functionality such as live chat, e-mail, customer portal, profiles, and other such functions (collectively, “Interactive Functions”) constitutes your consent to all actions we take with respect to such information consistent with our Privacy Statement https://www.consolidatedcreditcanada.ca/privacy-statement/.
Any user name, password, or any other piece of information chosen by you or provided to you as part of our security procedures, must be treated as confidential, and you must not disclose it to any other person or entity. You understand and agree that should you be provided an account, your account is personal to you and you agree not to provide any other person with access to this Website or portions of it using your user name, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You are responsible for any password misuse or any unauthorized access.
We reserve the right at any time and from time to time, to disable or terminate your account, any user name, password, or other identifier, whether chosen by you or provided by us, in our sole discretion for any or no reason, including any violation of any provision of these Terms and Conditions.
You are prohibited from attempting to circumvent and from violating the security of this Website including without limitation:
Intellectual Property Rights and Ownership
You understand and agree that the Website and its entire contents, features, and functionality, including but not limited to all information, software, code, text, displays, graphics, photographs, video, audio, design, presentation, selection, and arrangement, are owned by the Company, its licensors, or other providers of such material and are protected in all forms by intellectual property laws including without limitation, copyright, trademark, patent, trade secret, and any other proprietary rights.
The Company name (“Consolidated Credit Counseling Services of Canada, Inc.”, “Consolidated Credit” and related words), the Company logo, and all related names, logos, product and service names, designs, images and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the prior written permission of the Company. Other names, logos, product and service names, designs, images and slogans mentioned, or which appear on this Website are the trademarks of their respective owners. Use of any such property, except as expressly authorized, shall constitute a violation of the rights of the property owner and may be a violation of federal or other laws and could subject the violator to legal action.
You may only use the Website and/or the Services for your personal and non-commercial use. Users are not permitted to modify copies of any materials from this Website nor delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from this Website. You must not access or use for any commercial purposes any part of the Website or any Services or materials available through the Website. If you print off, copy or download any part of our site in breach of these Terms and Conditions, your right to use our Website and/or the Services will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. You have no right, title, or interest in or to the Website or to any content on the Website, and all rights not expressly granted are reserved by the Company. Any use of the Website and/or the Services not expressly permitted by these Terms and Conditions is a breach of these Terms and Conditions and may violate copyright, trademark, and other intellectual property laws.
Conditions of Use and User Submissions and Site Content Standards
As a condition of your access and use you agree that you may use the Website and the Services only for lawful purposes and in accordance with these Terms and Conditions. The following content standards apply to any and all content, material, and information a user submits, posts, publishes, displays, or transmits (collectively, “submit”) to the Website, to other users or other persons (collectively, “User Submissions”) and any and all Interactive Functions. Any and all User Submissions must comply with all applicable federal, provincial, local, and international laws and regulations.
Without limiting the foregoing, you warrant and agree that your use of the Website, the Services and any User Submissions shall not:
Fees
All charges payable by you for use of the Website and/or the Services provided therein shall be in accordance with the scale of charges and rates published from time to time by us on our Website or otherwise in writing to you, errors and omissions excepted, and shall be due and payable in accordance with the terms of our Client Services Agreement. You agree that, except where otherwise specified by the Company, these fees are not refundable on any basis. We reserve the right to alter pricing, including ceasing to offer elements of the Services. The Company will inform you in writing if the charge for a service is to be altered.
Site Monitoring and Enforcement, Suspension and Termination
The Company has the right, without provision of notice to:
YOU WAIVE AND HOLD HARMLESS THE COMPANY AND ITS AFFILIATES, LICENSEES AND SERVICE PROVIDERS FROM ANY AND ALL CLAIMS RESULTING FROM ANY ACTION TAKEN BY THE COMPANY AND ANY OF THE FOREGOING PARTIES RELATING TO ANY, INVESTIGATIONS BY EITHER THE COMPANY OR SUCH PARTIES OR BY LAW ENFORCEMENT AUTHORITIES.
We have no obligation, nor any responsibility to any party to monitor the Website or its use, and do not and cannot undertake to review material that you or other users submit to the Website. We cannot ensure prompt removal of objectionable material after it has been posted and we have no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party.
No Reliance
The content on our Website is provided for general information purposes only. It is not intended to amount to advice on which you should rely. You must obtain more specific or professional advice before taking, or refraining from, any action or inaction on the basis of the content on our site. Although we make reasonable efforts to update the information on our Website, we make no representations, warranties or guarantees, whether express or implied, that the content on our Website is accurate, complete or up to date. Your use of the Website and the Services is at your own risk and the Company has no responsibility or liability whatsoever for your use of this Website and the Services.
This Website may include content provided by third parties, including from other users and third-party licensors. All statements and/or opinions expressed in any such third party content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. Such materials do not necessarily reflect the opinion of the Company. The Company is not responsible, or liable to you or any third party, for the content or accuracy of any third party materials.
Third Party Websites
For your convenience, this Website may provide links or pointers to third party sites. We make no representations about any other websites that may be accessed from this Website. If you choose to access any such sites, you do so at your own risk. We have no control over the contents of any such third party sites, and accept no responsibility for such sites or for any loss or damage that may arise from your use of them. You are subject to any terms and conditions of such third party sites.
The appearance of a link on the Company’s website does not constitute an endorsement, recommendation or certification by the Company, nor should the presence of a link in any way be construed as a suggestion that the site has any relationship with the Company.
Geographic Restrictions
The owner of the Website is based in the Province of Ontario in Canada This site is not intended for use in any jurisdiction where its use is not permitted. If you access the site from outside Canada, you do so at your own risk and you are responsible for compliance with local laws of your jurisdiction.
Disclaimer of Warranties
YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE WEBSITE, ITS CONTENT, AND THE SERVICES, PRODUCTS OR ITEMS FOUND OR ATTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT, AND ANY THE SERVICES OR ITEMS FOUND OR ATTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
NEITHER THE COMPANY NOR ANY AFFILIATES NOR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS OR SERVICE PROVIDERS MAKES ANY WARRANTY, REPRESENTATION OR ENDORSEMENT WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, SUITABILITY, ACCURACY, CURRENCY OR AVAILABILITY OF THE WEBSITE OR ITS CONTENTS. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANY AFFILIATES NOR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS OR SERVICE PROVIDERS REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT, OR ANY OF THE SERVICES OR ITEMS FOUND OR ATTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
We cannot and do not guarantee or warrant that files or data available for downloading from the internet or the Website will be free of viruses or other destructive code. You are solely and entirely responsible for your use of the Website AND/OR THE SERVICES, and your computer, internet and data security.
TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY DENIAL-OF-SERVICE ATTACK, DISTRIBUTED DENIAL-OF-SERVICE ATTACK, OVERLOADING, FLOODING, MAILBOMBING OR CRASHING, VIRUSES, TROJAN HORSES, WORMS, LOGIC BOMBS, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY OF THE SERVICES OR ITEMS FOUND OR ATTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.
Limitation on Liability
UNDER NO CIRCUMSTANCE WILL THE COMPANY, ITS AFFILIATES AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR SERVICE PROVIDERS BE LIABLE FOR NEGLIGENCE, GROSS NEGLIGENCE, NEGLIGENT MISREPRESENTATION, FUNDAMENTAL BREACH, DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, BREACH OF PRIVACY OR OTHERWISE, EVEN IF THE PARTY WAS ALLEGEDLY ADVISED OR HAD REASON TO KNOW, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, RELIANCE ON, THE WEBSITE AND/OR THE SERVICES, ANY LINKED WEBSITES OR SUCH OTHER THIRD PARTY WEBSITES, NOR ANY SITE CONTENT, MATERIALS, POSTING OR INFORMATION THEREON.
Indemnification
To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless the Company, its affiliates, and their respective directors, officers, employees, agents, service providers, contractors, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your breach of these Terms and Conditions or your use of the Website, including, but not limited to, your User Submissions, third party sites, any use of the Website’s content, the Services, and products other than as expressly authorized in these Terms and Conditions.
Governing Law and Jurisdiction
The Website and these Terms and Conditions will be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without giving effect to any choice or conflict of law provision, principle or rule (whether of the laws of the Province of Ontario or any other jurisdiction) and notwithstanding your domicile, residence or physical location.
Any action or proceeding arising out of or relating to this Website and under these Terms and Conditions will be instituted in the courts of the province of Ontario and/or the Federal Court of Canada, and each party irrevocably submits to the exclusive jurisdiction of such courts in any such action or proceeding. You waive any and all objections to the exercise of jurisdiction over you by such courts and to the venue of such courts.
SOCIAL MEDIA GUIDELINES
The Terms and Conditions of this Website extend to the use of any and all social media pages on Facebook, Pinterest, Twitter, Instagram, or LinkedIn, or YouTube, or post any reviews or comments regarding your use of the Service on these social media services or third party websites, we ask you to follow the following guidelines:
General
No waiver under these Terms and Conditions is effective unless it is in writing and signed by an authorized representative of the party waiving its right. No failure to exercise, or delay in exercising, any right, remedy, power or privilege arising from these Terms and Conditions operates, or may be construed, as a waiver thereof. No single or partial exercise of any right, remedy, power or privilege hereunder precludes any other or further exercise thereof or the exercise of any other right, remedy, power or privilege. If any term or provision of these Terms and Conditions is invalid, illegal or unenforceable in any jurisdiction, such invalidity, illegality or unenforceability shall not affect any other term or provision of these Terms and Conditions or invalidate or render unenforceable such term or provision in any other jurisdiction. The Terms and Conditions and our Privacy Statement constitute the sole and entire agreement between you and Consolidated Credit Counseling Services of Canada, Inc. regarding the Website and supersedes all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, regarding such subject matter.
