LEGAL DISCLAIMER

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.

NO ADVICE

Nothing in this Site constitutes legal, business, financial, tax, investment, accounting, philanthropic or any other kind of advice. You must seek your own professional advice from qualified advisors.

COPYRIGHT

Copyright in this Site and the materials included in it, unless otherwise indicated, is owned by us, and we reserve all rights. You may copy or distribute the text materials contained in this Site but only for personal, non-commercial use, provided that you clearly attribute the materials to us with a link. The text materials contained in this Site may not be modified or altered in any way. You may not copy or distribute any photograph, illustration, artwork or other graphic material contained on this Site for any use without first obtaining our permission or that of the copyright owner.

Except for the foregoing, you may not copy, distribute, enter into a database, display, perform, create derivative works of, transmit, or in any way exploit any part of our Site, including computer programs and other coding.

LINKS, FRAMES, AND METATAGS

You may link to our Site as long as the link does not cast us in a false or misleading light. You may not frame the content of our Site. You may not use metatags or any other "hidden text" that incorporates Our Trademarks or our name without our express written consent.

LINKS TO OTHER WEBSITES

Our Site contains links to other websites that we think may be of interest to you. We have no control over these other sites or their content. You should be aware when you leave our Site for another, and remember that other sites are governed by their own user agreements and privacy policies, which you should be sure to read. Such links are provided for your convenience only. BY CREATING A LINK TO A THIRD PARTY WEB SITE, WE DO NOT ENDORSE OR RECOMMEND ANY PRODUCTS OR SERVICES OFFERED OR INFORMATION CONTAINED AT THAT WEB SITE, NOR ARE WE LIABLE FOR ANY FAILURE OF PRODUCTS OR SERVICES OFFERED OR ADVERTISED AT THOSE SITES.

NO WARRANTY | EXCLUSION OF LIABILITY

THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED "AS IS", "AS AVAILABLE". WE DO NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIM LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. AS SUCH, WE ARE NOT LIABLE FOR ANY CLAIM, LOSS OR INJURY BASED ON ERRORS, OMISSIONS, INTERRUPTIONS OR OTHER INACCURACIES IN OUR SITE, NOR FOR ANY CLAIM, LOSS OR INJURY THAT RESULTS FROM YOUR USE OF THIS SITE OR YOUR BREACH OF ANY PROVISION OF THIS USER AGREEMENT.

ALTHOUGH WE INTEND TO TAKE REASONABLE STEPS TO PREVENT THE INTRODUCTION OF VIRUSES, WORMS, "TROJAN HORSES" OR OTHER DESTRUCTIVE MATERIALS TO OUR SITE, WE DO NOT GUARANTEE OR WARRANT THAT OUR SITE OR MATERIALS THAT MAY BE DOWNLOADED FROM OUR SITE ARE FREE FROM SUCH DESTRUCTIVE FEATURES. WE ARE NOT LIABLE FOR ANY DAMAGES OR HARM ATTRIBUTABLE TO SUCH FEATURES.

TERMINATION

We reserve the right to terminate the Site and this User Agreement at any time without notice for any reason, including, in the case of the User Agreement, for your violation of any of its provisions. The Exclusion of Liability and Governing Law Sections of this User Agreement shall survive any such termination.

GOVERNING LAW

This Agreement will be governed by the laws of the Province of Ontario applicable to contracts made and performed there without regard to its conflicts of law principles. You agree to submit to the exclusive jurisdiction of the province and waive any jurisdictional, venue or inconvenient forum objections to such courts.