COPYRIGHT AND OWNERSHIP All materials published or otherwise accessible through this Web Site – including but not limited to articles, opinions, text, photographs, images, illustrations, and other materials (the “Content”) – are protected by copyright and are owned or controlled by us or used by us with permission. The compilation of all Content on this Web Site is our exclusive property. You agree to abide by all additional copyright notices and restrictions contained in any Content.

GOVERNING LAW The laws in effect in the Province of Ontario govern this agreement and any dispute or claim based on your use of the Web Site or the Content. You agree that any action or proceeding related to this agreement or your use of the Web Site will only be brought by you in the courts of the Province of Ontario. The Web Site is intended for use by residents of Ontario, Canada only.

CONTENT DISCLAIMER We take every reasonable effort to ensure that the Content we post is reliable. However, the use of the Web Site and the Content is at your own risk. We do not guarantee or warrant the quality, accuracy, completeness, timeliness, appropriateness or suitability of the Content provided. We also expressly disclaim all warranties, representations and conditions regarding use of the Web Site or the Content. We do not guarantee that the Content is up-to-date and we assume no obligation to update the Content or to advise on further developments concerning topics mentioned. The Content is supplied “AS IS”. The Content may be changed from time to time without notice.

LIMITATION OF LIABILITY You assume full responsibility for the use of the Content. We are also not responsible and assume no liability for any viruses that may infect your web site or infect, affect or damage your computer equipment or other property, related in any way to your access to, use of, browsing in, or downloading of any Content from this Web Site. We are not responsible for any damages whatsoever (including direct, indirect, special or consequential damages) arising out of or in connection with the use of the Web Site or your reliance on the Content, whether in an action of contract, tort (including negligence) or other wise.

LINKS POLICY Any links we provide to other sites are provided as a convenience and for your information only. We make no representations whatsoever about any other web site which you may access through the Web Site. When you access a web site through this Web Site, you understand and acknowledge that it is independent from this Web Site and that we have no control over its content. A link to another web site does not mean that we have endorsed, investigated or verified its content.

AMENDMENT/SEVERABILITY This agreement may not be modified or amended except by signed written agreement of the parties. Any term, condition or provision of this agreement that is or shall be deemed to be void, prohibited, or unenforceable shall be severable from this agreement without in any way invalidating the remaining terms, conditions or provisions.

RIGHT TO LEGAL ACTION No legal action, regardless of form, arising out of this agreement between us with respect to the Products and the Web Site, and supersede any prior or subsequent communication between us.

ENTIRE AGREEMENT These Terms of Use & Disclaimers constitute the entire agreement between us with respect to the Products and the Web Site, and supersede any prior or subsequent communications between us.