For the purpose of these Terms and Conditions (hereinafter "Terms"):
This document constitutes a legally binding agreement between You and IBC Financial. By accessing or using https://financierecbi.com or any services owned or operated by IBC Financial, you acknowledge and agree that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and any additional terms that may apply.
If you do not agree to all of these Terms and any additional terms that apply to you, you must not use this Website or our services.
This Website is provided by:
IBC Financial (A marketing branch of Canadian World Creation Center) [Insert Address] Canada
Owner contact email: [Insert email] Compliance Officer: Mona Haddad Phone: 514-875-9444 Email: mona.haddad@cwcc.ca
These Terms govern:
in a legally binding way. Capitalized words are defined in the relevant sections of this document.
5.1. By using the Website, Users confirm to meet the following requirements:
5.2. To use certain features of the Website or Service, Users may be required to create an account. Users agree to:
5.3. The Owner reserves the right to suspend or terminate accounts, remove or edit content, or cancel services at its sole discretion.
6.1. Unless otherwise specified, all Website Content is provided or owned by the Owner or its licensors.
6.2. The Owner has made efforts to ensure that the Website Content does not violate legal provisions or third-party rights. However, it may not always be possible to achieve such a result. In such cases, Users are requested to report complaints using the contact details specified in this document.
6.3. The Owner reserves and holds all intellectual property rights for any such content. Users may therefore not use any such content in any way that is not necessary or implicit in the proper use of the Website/Service.
6.4. Users are granted a limited, non-exclusive, revocable, and non-transferable license to access and use the Website and its content for personal, non-commercial purposes, subject to these Terms.
7.1. The Website may display, include, or make available third-party content (including data, information, applications, and other products or services) or provide links to third-party websites or services.
7.2. Users acknowledge and agree that IBC Financial shall not be responsible for any third-party content, websites, or services. IBC Financial does not endorse or assume any responsibility for any such third-party sites, information, materials, products, or services.
7.3. Any dealings with third parties included within or accessible through the Website, including the delivery of and payment for goods and services, are solely between the User and the third party. IBC Financial is not a party to such transactions and shall not be liable for any aspect of such dealings.
8.1. This Website and the Service may only be used within the scope of what they are provided for, under these Terms and applicable law.
8.2. Users are solely responsible for making sure that their use of this Website and/or the Service violates no applicable law, regulations, or third-party rights.
8.3. Users are prohibited from:
9.1. This Website is provided strictly on an "as is" and "as available" basis. Use of the Service is at the User's own risk.
9.2. To the maximum extent permitted by applicable law, the Owner expressly disclaims all conditions, representations, and warranties — whether express, implied, statutory, or otherwise, including, but not limited to, any implied warranty of merchantability, fitness for a particular purpose, or non-infringement of third-party rights.
9.3. Without limiting the foregoing, the Owner, its subsidiaries, affiliates, licensors, officers, directors, agents, co-branders, partners, suppliers, and employees do not warrant that:
9.4. Any content downloaded or otherwise obtained through the use of the Service is downloaded at the User's own risk, and the User shall be solely responsible for any damage to the User's computer system or mobile device or loss of data that results from such download or the User's use of the Service.
10.1. To the maximum extent permitted by applicable law, in no event shall IBC Financial, and its subsidiaries, affiliates, officers, directors, agents, co-branders, partners, suppliers, and employees, be liable for:
a) Any indirect, punitive, incidental, special, consequential, or exemplary damages, including without limitation damages for loss of profits, goodwill, use, data, or other intangible losses, arising out of or relating to the use of, or inability to use, the Service
b) Any damage, loss, or injury resulting from hacking, tampering, or other unauthorized access or use of the Service or User account or the information contained therein
c) Any errors, mistakes, or inaccuracies of content
d) Personal injury or property damage, of any nature whatsoever, resulting from User access to or use of the Service
e) Any unauthorized access to or use of the Owner's secure servers and/or any and all personal information stored therein
f) Any interruption or cessation of transmission to or from the Service
g) Any bugs, viruses, trojan horses, or the like that may be transmitted to or through the Service
h) Any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through the Service
i) The defamatory, offensive, or illegal conduct of any User or third party
10.2. In no event shall IBC Financial, and its subsidiaries, affiliates, officers, directors, agents, co-branders, partners, suppliers, and employees be liable for any claims, proceedings, liabilities, obligations, damages, losses, or costs in an amount exceeding the amount paid by the User to the Owner hereunder in the preceding 12 months, or the period of duration of this agreement between the Owner and User, whichever is shorter.
10.3. This limitation of liability section shall apply to the fullest extent permitted by law in the applicable jurisdiction, whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if the Owner has been advised of the possibility of such damage.
The User agrees to defend, indemnify and hold IBC Financial and its subsidiaries, affiliates, officers, directors, agents, co-branders, partners, suppliers, and employees harmless from and against any and all claims or demands, damages, obligations, losses, liabilities, costs or debt, and expenses, including, but not limited to, legal fees and expenses, arising from:
a) User's use of and access to the Service, including any data or content transmitted or received by User
b) User's violation of these Terms, including, but not limited to, User's breach of any of the representations and warranties set forth in these Terms
c) User's violation of any third-party rights, including, but not limited to, any right of privacy or intellectual property rights
d) User's violation of any statutory law, rule, or regulation
e) Any content that is submitted from User's account, including third party access with User's unique username, password or other security measure, if applicable, including, but not limited to, misleading, false, or inaccurate information
f) User's willful misconduct
g) Statutory provision by User or its affiliates, officers, directors, agents, co-branders, partners, suppliers, and employees to the extent allowed by applicable law
12.1. The Owner reserves the right to amend or otherwise modify these Terms at any time. In such cases, the Owner will appropriately inform the User of these changes.
12.2. Such changes will only affect the relationship with the User for the future.
12.3. The User's continued use of the Website and/or the Service will signify the User's acceptance of the revised Terms. If the User does not agree to the revised Terms, they must stop using the Website and Service.
12.4. The preceding versions of these Terms will be available upon request to the Owner.
12.5. If required by applicable law, the Owner will specify the date by which the modified Terms will enter into force.
13.1. The Owner reserves the right to transfer, assign, dispose of by novation, or subcontract any or all rights or obligations under these Terms, taking the User's legitimate interests into account. Provisions regarding changes of these Terms will apply accordingly.
13.2. Users may not assign or transfer their rights or obligations under these Terms in any way, without the written permission of the Owner.
14.1. Should any provision of these Terms be deemed or become invalid or unenforceable under applicable law, the invalidity or unenforceability of such provision shall not affect the validity of the remaining provisions, which shall remain in full force and effect.
14.2. Any such invalid or unenforceable provision will be interpreted, construed, and reformed to the extent reasonably required to render it valid, enforceable, and consistent with its original intent. These Terms constitute the entire Agreement between Users and the Owner with respect to the subject matter hereof, and supersede all other communications, including but not limited to all prior agreements, between the parties with respect to such subject matter. These Terms will be enforced to the fullest extent permitted by law.
15.1. These Terms are governed by the law of the Province of Quebec and the federal laws of Canada applicable therein, without regard to conflict of laws principles.
15.2. The exclusive competence to decide on any controversy resulting from or connected to these Terms lies with the courts of the Province of Quebec.
15.3. Exception for Consumers: If the User qualifies as a Consumer and has their habitual residence in a country where the law provides for a higher consumer protection standard, such higher standards shall prevail.
16.1. Amicable Dispute Resolution: If any dispute arises in connection with these Terms, the User and the Owner agree that they will first attempt to resolve it amicably by contacting each other.
16.2. Binding Arbitration: If the User and the Owner are unable to resolve a dispute through informal negotiations, all claims and disputes arising out of or relating to these Terms shall be finally and exclusively resolved by binding arbitration. The arbitration shall be conducted on a confidential basis pursuant to the Commercial Arbitration Rules of the Canadian Arbitration Association. Any decision or award as a result of any such arbitration proceeding shall be in writing and shall provide an explanation for all conclusions of law and fact and shall include the assessment of costs, expenses, and reasonable attorneys' fees.
16.3. Waiver of Class or Consolidated Actions: All claims and disputes within the scope of this arbitration agreement must be arbitrated or litigated on an individual basis and not on a class basis, and claims of more than one customer or user cannot be arbitrated or litigated jointly or consolidated with those of any other customer or user.
17.1. These Terms, including any legal notices and disclaimers contained on this Website, constitute the entire agreement between IBC Financial and you in relation to your use of this Website, and supersede all prior agreements and understandings with respect to the same.
17.2. The Owner's failure to enforce any right or provision in these Terms will not constitute a waiver of such right or provision unless acknowledged and agreed to by us in writing.
17.3. The Owner reserves the right to assign its rights and obligations under these Terms, including in connection with a merger, acquisition, sale of assets or equity, or by operation of law.
By using this Website, you acknowledge that you have read and understood these Terms and Conditions and agree to be bound by them.
Last Updated: October 8, 2024
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Short Disclaimer: IBC Financial is the Marketing branch of CWCC is committed to delivering premier financial and life insurance services tailored to the unique needs of Canadians. We currently operate in most provinces, offering a range of solutions that include Infinite Banking, financial planning, and personalized life insurance products. Please note that our services are not yet available in all provinces. We encourage potential clients to contact our support team to verify the availability of our services in your specific area. Our team is dedicated to providing you with accurate information and assistance regarding our service locations. We appreciate your interest in our offerings and thank you for considering CWCC as your trusted financial partner. more check Disclaimer
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