MQCC™ Legal Statements


MQCC Domain Universe™ Legal 

Data Artifacts, Privacy(PIPEDA), Data Security, Website Terms of Service, Legal, Disclosures:

Statements 

(privacy.mortgagequote.ca / legal.mortgagequote.ca)

Live Version (internal use only)

This policy functions in collaboration with the MQCC FraudWatch™ Program & ID Proof
Policy  for MQCC found at
fraudwatch.mortgagequote.ca.


Past results do not serve as a guarantee of future results. The information on this website is for general information purposes only.

Nothing on an MQCC™ or MQCC™-related website should be taken as legal advice for any individual case or situation.

This information is not intended to create, and receipt or viewing does not constitute, an MQCC™-client relationship.


Terms and Conditions (all may or may not be applicable to you)

Name        Date last published

Terms of Use and Service        Current

Webnames Acceptable Use Policy        Current

Afternic Terms and Conditions        Current

Webnames.ca Reseller Program Agreement        Current

Sedo Terms and Conditions        Current

Terms and Conditions

Description        Date last published

Terms of Use and Service        Current

Webnames Acceptable Use Policy        Current

Terms and Conditions for Registrants         Current

Refund Policies        Current

Terms and Conditions for Hosting        Current

Trademark Clearinghouse Registration Services Agreement        Current

Terms and Conditions for Email        Current

Terms and Conditions for SSL        Current

Terms and Conditions for Privacy Service        Current

Afternic Terms and Conditions        Current

Terms and Conditions for DNS and Anycast Services        Current

Domain Name Brokering Services Agreement        Current

Webnames.ca Reseller Program Agreement        Current

Sedo Terms and Conditions        Current

Terms and Conditions for Uniregistry EPS        Current

This is not a complete list.


Table of Contents

Table of Contents        5

MQCC Domain Universe™ Definition        10

Class 1: MQCC Existing Member (MQCC-EM™)        10

Class 2: MQCC Prospective Member (MQCC-PM™)        11

Disclaimer re: MQCC Domain Universe™        11

Definition of “Good Standing with MQCC™”        12

Definition of “Other Role” at MQCC™        12

Service to the Global Public: MQCC Quality, Command and Control (QCC™)        13

MQCC™ “Principle of ‘Time is Money’” (time is of the essence)        13

MQCC Company Trade Divisions        13

Conformity-in-Finance        14

Global Conformity-in-Finance        14

Websites Subject to this Document        14

Free Trading Private Equity (FTPE™) vs Regulated Public Securities Memorandum        17

MQCC Customers        23

Public Administration (government, legislators, regulators, policy makers)        23

International and Canada-domiciled Organizations Inquiries        23

OSFI-(Canada), SEC/OCC-(USA), FCA-(UK) Regulated Financial Institutions and Other Regulated Financial Entity Inquiries        23

MortgageQuote.ca Contact Form for Regulated Financial Entities        23

Private Administration (management of companies and enterprises)        23

Chief Fiduciary Officer C-FIDO™ brand of Top Management        23

Chief Executive Officer (CEO)        24

Chair of the Board of Directors        24

Investor-Lender (real-estate secured and non-real estate secured)        24

Customer (non-finance; MQCC CEO Suite™ of Systems, Technology, Services and Products)        24

Borrower-Investee (real-estate secured, non-real estate secured and venture capital)        24

Intermediary (government or non-government regulated)        25

Law Firms, Trustees and Insurance and Risk Management Professionals        25

Other        25

MortgageQuote.ca Business Sources & Referrals        25

Law Firm, Trustee & Receiver (public, private, court-appointed, bankruptcy) Referrals        26

Government Licensed Mortgage Broker Referrals        26

Customer and Stakeholders        26

Paid Accredited Public Referral Sources (PAPERS™) Program Members        26

Retail Mortgage Prospective Customers        27

MortgageQuote's Commendations, Complaints & Dispute Resolution Policies        27

Security of Your Account        28

Accurate Information        29

Modifications to this Agreement        32

Breach        33

Representations and Warranties        34

Disclaimer of Warranties        35

Indemnity        36

Exclusive Remedy        39

Revocation        41

Right of Refusal        42

Agreement to Be Bound        42

Agents and MQCC Contract Terms Bound by Agents        43

Use of Site Material        44

Notices, Announcements and Complaints        45

User Generated Content        47

Contact Directory Terms and Conditions        49

Use of Links and Logos        49

CANADA PROVINCIAL MORTGAGE TRADE LEGISLATION & PROVINCIAL SECURITIES LEGISLATION        50

(NATIONAL INSTRUMENT 31-103 REGISTRATION REQUIREMENTS, EXEMPTIONS AND ONGOING REGISTRANT OBLIGATIONS)        50

Statement of fact: There are at least 30 or more different debt and equity financing arrangements that may help a company raise funds.        50

Securities Regulation Exemption (source: Alberta) for raising Debt or Equity        51

Mortgage Regulation (source: Canada, National) for raising Real-Estate Secured Debt        51

Securities Regulation Exemption Discussion        62

MQCC Self-Investing Memo        63

Ownership        66

Ownership of Data        66

Company Ownership        67

Third Party Data Ownership        67

Disclosure Policy        68

Email - User Log-in Authentication        69

Privacy Laws        70

Privacy Policy Statement        72

Records Retention Requirements & Records Request Process        81

(DDRAP™ and DDRD™)        82

All records owned by MQCC or in possession of MQCC, including:        82

Records Retention        82

Alberta Law        83

Records - Release of File to Client        83

Purpose:  This bulletin explains the considerations to consider when a client asks for the contents of their file.        83

This bulletin applies to all industry professionals.        83

Ontario Law        86

BC Law        87

VBRP        88

PIPEDA PRIV.GC.ca REFERENCE: Principle 5 – Limiting Use, Disclosure, and Retention        89

4.5 Principle 5 —Limiting Use, Disclosure, and Retention        89

Your Organization’s Privacy Responsibilities        90

Note        91

How to Meet these Objectives        91

PIPEDA PRIV.GC.ca REFERENCE: Principle 9 – Individual Access        95

4.9 Principle 9 — Individual Access        95

Your Organization’s Privacy Responsibilities        97

How to Meet these Objectives        100

Privacy Cases        104

Accountability, Transparency and Disclosure        108

IT Providers to MortgageQuote Canada Corp.        109

Data Security Statement        109

Physical Security        111

Network Security        112

People Processes        113

Safeguard Data        114

Redundancy and Business Continuity        116

3rd Party Security Statements        117

Additional Information        117

Liability        118

NOTE TO NON-RESIDENT INVESTORS AND RISK WARNING        131

Website Terms of Service        135

WARRANTY, WARRANTIES  DISCLAIMER        141

LIMITATION OF LIABILITY        142

INDEMNIFICATION        143

TERM AND TERMINATION        144

Term        144

Termination of MQCC Service        145

Termination of Add-On Services        146

GENERAL        146

Online or Email Communication Alerts        150

Communication Policy for Communication Consent        155

Map Disclaimer        155

MQCC MasterWallet™ & Related Digital Library and Platforms (MQCC RDLP™)        158

Terms and Conditions of Use        158

Miscellaneous        175

Waiver of Court Action: Alternative Dispute Resolution        176

No Guarantee        176

No Third Party Beneficiaries        177

Prohibition of Assignment        177

Successors and Assigns        177

Intellectual Property        177

PART I PRODUCT CRITERIA        178

1. Delivery Methods and Product Categories        178

2. Suspension / Removal of Products        180

PART III INTELLECTUAL PROPERTY ENFORCEMENT        180

1. Enforcement Actions        180

2. Intellectual Property Infringement Reports        181

3. Other Reports        182

Force Majeure        183

Waiver        183

Severability        183

Entire Agreement        184

Attorneys Fees        184

Headings        184

MQCC™ International Website Membership Agreement        185

GDPR Addendum to MQCC™ International Website Membership Agreement        185

MQCC™ International Website Domain Name Service Agreement        186

MQCC Domain Universe™ Definition

Class 1: MQCC Existing Member (MQCC-EM™)

Any paying current or past individual or Chief Executive Officer (CEO) of an organization in the role of:

In good standing of MQCC; and:

Class 2: MQCC Prospective Member (MQCC-PM™)

Any non-paying, prospective individual or Chief Executive Officer (CEO) of an organization in the role of:

In good standing of MQCC

Disclaimer re: MQCC Domain Universe™

Definition of “Good Standing with MQCC™”

Definition of “Other Role” at MQCC™

Service to the Global Public: MQCC Quality, Command and Control (QCC™)

While MQCC serves the public, MQCC is NOT a public service. As a private company, MQCC reserves the unilateral right to choose whom or who to engage in business with, at its sole and absolute discretion. Delivery of service or delivery of goods may be refused, terminated or suspended with or without notice to you, regardless of your role at MQCC. See “MQCC Domain Universe™ Definition” to understand the roles at MQCC.

MQCC™ “Principle of ‘Time is Money’” (time is of the essence)

That the “Principle of ‘Time is Money’” (time is of the essence) applies at all times, in business dealings with MQCC so, the Client will take reasonable steps to gather any requested information and to send it to MQCC promptly; and, to follow all lawful instructions by MQCC, promptly.

MQCC Company Trade Divisions

  1. MortgageQuote Canada Corp.
  1. Visit www.mortgagequote.ca to learn about the business and access its”
  1. Terms of services (BeforeYouApply.mortgagequote.ca)
  1. MQCC Systems, Technology, Services and Products
  1. Visit www.mqcc.org.

Conformity-in-Finance

MQCC™ supports the www.conformity.org principles which result in “global confor

Global Conformity-in-Finance

MQCC™ supports the www.conformity.org principles which result in “global conformity-in-finance”.

Websites Subject to this Document

This document affects websites that are owned by MortgageQuote Canada Corp. or it’s related company, Bungay International Inc; including:

Any domain URL (uniform resource locator) that resolves to any of the above domains (affiliated sites); or to domains owned by, copy written by or controlled by MortgageQuote Canada Corp. or it’s related company, Bungay International Inc.

NOTE: Use of our website constitutes your acceptance of the terms and conditions expressed below.

Only legitimate users are welcome to the website. Spoofing real users or phishing or hacking activities or website probing or third party website monitoring are not welcome.

All websites are collectively named as the “MQCC Domain Universe”; simply as “MQCC.org”.

By using the above websites, you agree to be bound by the terms and conditions stated here. Therefore, if you cannot accept these terms and conditions, please do not use the website.


Free Trading Private Equity (FTPE™) vs Regulated Public Securities Memorandum

MQCC is a licensed mortgage broker in Alberta, BC and Ontario, in Canada. MQCC is also an exchange and information provider on the subject of Private Equity Mortgage PEM®) Investing in Primary and Secondary Mortgage Markets.This website shall not constitute an offer to sell or the solicitation of an offer to buy  financial securities regulated by a member Canadian Securities Administrators (CSA) nor shall there be any sale of these financial securities regulated by a member Canadian Securities Administrators (CSA), in any jurisdiction in which such solicitation or sale would be unlawful prior to registration or qualification of these regulated securities under the laws of any such jurisdiction by MQCC. All transactions within the exchange are conducted by jurisdictionally compliant entities.

Disclaimer: This information is intended to provide some suggestions and assistance regarding the topics covered. It is not intended as legal advice, financial advice or to be authoritative.

In a specific instance, the learner should consult legislation, regulations, materials published by legislators, regulators or published in case law and other available related material.

As well, in a specific instance, the learner should obtain, as appropriate, legal, financial and other advice.

Every effort has been made to keep the information on the MQCC Domain Universe accurate and current, but it is provided with no warranty of any kind.

Further, and specifically:

Is the MQCC Domain Universe "Soliciting Investments", "Providing Advice on", "Investing in", "Buying or Selling financial securities regulated by a member Canadian Securities Administrators (CSA)"?


The MQCC Domain Universe including: MortgageQuote.ca, LearnItRightCrypto.com and others; is a global education initiative of MQCC.org, a division of MortgageQuote Canada Corp. (MQCC); a Canada-based company which operates a real estate lending, real estate investing and real estate credit intermediation business model in the Canadian "provincial" jurisdictions named: Alberta, British Columbia (BC) and Ontario (ON).

As a real estate credit intermediary, MQCC trades primarily in the highly specialized field of:

non-bank, non-institutional, non-syndicated, non-regulated or regulatory exempt, free trading securities and related financial instruments; also known as Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow securities and related financial instruments, secured by real estate.  (Definition Source)

Also known as “crypto”.

Trademark Registered as the Private Equity Mortgage (PEM®) brand of financial transactions.

As a real estate credit intermediary, MQCC is licensed by real estate finance regulators in Alberta (RECA - the Real Estate Council of Alberta); British Columbia (the Financial Institutions Commission of BC); and, Ontario (FSCO - the Financial Services Commission of Ontario (License #12279). Pursuant to regulatory rights and permissions, MQCC is free to discuss matters related to:  "Soliciting Investments", "Providing Advice on", "Investing in", "Buying or Selling Securities" so long as the securities are classified as non-pooled (ie: non-syndicated) private equity "mortgage securities"; synonymous with the term "real estate secured debt securities". MQCC does not trade in non-real estate secured securities, nor does MQCC trade in the investments promoted by public capital markets (reporting and non-reporting issuers) or  financial securities regulated by a member Canadian Securities Administrators (CSA)

MQCC does not sell ICO initial coin offerings; it does not sell non-free trading private equity (non-FTPE™) securities versions of crypto tokens; it does not solicit investments from the capital markets for non-real estate secured financial instruments.


MQCC pioneered the application of ’blockchain’ principles in finance (to develop a peer-to-peer electronic debt system in order to enable peer-to-peer binary digit mortgage transactions without having to go through a bank) at least as early as May 9, 2005 (visit www.bitmortgage.com to see a cursory-level white paper on the matter).
MQCC also pioneered the first binary digit real estate secured peer-to-peer (& private) lending system. The term "peer-to-peer" is synonymously known as "cryptolending"; "private lending" or "Peer-to-Peer (P2P) Lending" (cursory-level white paper on the matter at www.bitmortgage.com).

THIS IS NOT AN OFFER OR SOLICITATION TO BUY/SELL financial securities that are regulated by a member Canadian Securities Administrators (CSA).

The material presented on our website is for informational purposes only and should not be construed as an offer, or solicitation of an offer, to buy or sell financial securities regulated by a member Canadian Securities Administrators (CSA) either generally or in any state or other jurisdiction where the offer or sale is not permitted.

Advertisements and listings on MQCC do not constitute solicitations or recommendations to buy, sell or hold financial securities regulated by a member Canadian Securities Administrators (CSA) and do not provide an analysis of the financial position of the company. We recommend you use the information found on our site as an initial starting point for conducting your own research on the advertised and/or listed company in order to determine your own personal opinion of the company before investing.

WE ARE NOT PUBLIC SECURITIES BROKERS and WE DO NOT HAVE FINANCE/MARKET-RELATED LICENSES for financial securities that are regulated by a member Canadian Securities Administrators (CSA)

Neither MQCC, nor its parent, Bungay International Inc., nor affiliate sites, are licensed brokers, broker dealers, market makers, investment bankers, investment advisors, analysts or underwriters for financial securities regulated by a member Canadian Securities Administrators (CSA)

Site users should consult with their own professional investment, tax and portfolio advisors before making any investment decision and should independently verify all information herein. Please consult a duly licensed (if applicable) broker before purchasing or selling any financial securities regulated by a member Canadian Securities Administrators (CSA), viewed on MQCC or mentioned herein. Reading advertisements and/or listings on our website shall not create under any circumstances any principal-agent relationship between the reader and us.


MQCC Customers

Public Administration (government, legislators, regulators, policy makers)

International and Canada-domiciled Organizations Inquiries

    Please contact us by emailing info@mortgagequote.ca.

OSFI-(Canada), SEC/OCC-(USA), FCA-(UK) Regulated Financial Institutions and Other Regulated Financial Entity Inquiries

    Please contact us with this form:

MortgageQuote.ca Contact Form for Regulated Financial Entities

Private Administration (management of companies and enterprises)

Chief Fiduciary Officer C-FIDO™ brand of Top Management

Please contact us by emailing info@mortgagequote.ca.

Chief Executive Officer (CEO)

Please contact us by emailing info@mortgagequote.ca.

Chair of the Board of Directors

Please contact us by emailing info@mortgagequote.ca.

Investor-Lender (real-estate secured and non-real estate secured)

See MortgageQuote.ca Business Sources & Referrals.

Customer (non-finance; MQCC CEO Suite™ of Systems, Technology, Services and Products)

    Please contact us by emailing info@mortgagequote.ca.

Borrower-Investee (real-estate secured, non-real estate secured and venture capital)

See MortgageQuote.ca Business Sources & Referrals.

Intermediary (government or non-government regulated)

See MortgageQuote.ca Business Sources & Referrals.

Law Firms, Trustees and Insurance and Risk Management Professionals

     Please contact us by emailing info@mortgagequote.ca.

Other

See MortgageQuote.ca Business Sources & Referrals. 

 

MortgageQuote.ca Business Sources & Referrals

MortgageQuote.ca provides incomparable, proprietaryPrivate (Non-Institutional, Non-Syndicated, Non-Regulated) Equity Mortgage solutions and acts principally for lenders; for this reason, we work with members of the general public by referral only through federal- or provincial government licensed mortgage brokers, law firms & trustees (public, private, court-appointed, bankruptcy). If retail referrals are accepted byMortgageQuote.ca, it is fromMortgageQuote.caCustomers, Stakeholders or Paid Accredited Public Referral Sources (PAPERS™) Program members.

Law Firm, Trustee & Receiver (public, private, court-appointed, bankruptcy) Referrals

MortgageQuote.ca accepts mortgage referrals from law firms and trustees whose clients may require our expertise. If you are a lawyer, trustee or receiver (court appointed or privately appointed) and would like to refer a financing situation to us, please email us at info[at]mortgagequote.ca.

Government Licensed Mortgage Broker Referrals

MortgageQuote.ca accepts mortgage referrals from government licensed mortgage brokers whose clients may require our expertise. If you are a government licensed mortgage broker and would like to refer a financing situation to us, please email us at info[at]mortgagequote.ca or visit broker.mortgagequote.ca, register and learn more.

Customer and Stakeholders

All customers and stakeholders are welcome to refer your friends, family and individuals within your "sphere of influence" to MortgageQuote.ca. We thank you for your referral in advance. Simply direct your referral to www.mortgagequote.ca and when they contact us, ask your referral to let us know (in writing, or email) that you referred them to us.

Paid Accredited Public Referral Sources (PAPERS™) Program Members

If you are not a Lawyer, Trustee, Government Licensed Broker, Agent or Referral Company and you would like to be paid as a referral source (within a manner that conforms to statutory, regulatory and process requirements), then please register to take the "Paid Referral Training Course for Paid Accredited Public Referral Sources" by contacting info[at]mortgagequote.ca.

Visit referral.mortgagequote.cato learn more.

Retail Mortgage Prospective Customers

Retail MortgageQuote.cadoes NOT normally provide retail services unless the customer is prepared to work in accordance with statutory, regulatory and process requirements, in accordance with MortgageQuote.ca standards.

MortgageQuote's Commendations, Complaints & Dispute Resolution Policies

Security of Your Account

When you use any of our services through our e-mail, web-based, or wholesale application process, you are responsible for selecting and continuously managing your password and security settings to protect your account and your commercially confidential information (CCI) or personally identifiable information (PII), from unauthorized changes. You are entirely responsible for maintaining the confidentiality and secrecy of your password and account security settings, as well as your credit card and other information. All consequences of your voluntary disclosure of password and account information as well as all activities that occur in your account are your responsibility.

You agree to notify us immediately of any unauthorized use of your account or any other breach of security. You agree that you will be responsible for all activity that arises from your account, whether initiated by you or others on your behalf and MQCC™ shall be entitled to rely on any requests which have been initiated from your account. MQCC™ disclaims any liability for any activity in your account, whether initiated or authorized by you or not. You acknowledge and agree that any and all funds prepaid by you to MQCC™ are nonrefundable. Funds in your MQCC™ account can only be used to purchase services from MQCC™ and will not be credited for other purposes

Accurate Information

As further consideration for the service(s), you agree to provide us with certain true, current, complete and accurate information about you as required by our application process as well as to maintain and update this information as needed to keep it true, current, complete and accurate. In furtherance of the foregoing, you hereby agree to notify us within five (5) business days of a change in any information you have provided us, either with respect to your account information or registration information. Failure to provide such new information within the applicable five (5) business day period will constitute a material breach of the terms of this Agreement which will provide us the remedies specified herein, including suspension or termination of your account(s) with us.

We rely on the information you provide us to send you important information and notices regarding your account,financial matters, legal matters, and our services as well as to provide proper credit report information as required by credit reporting and government reporting agencies and the land title or other PPSA Personal Property Security Act and other registries with which we have contractual obligations. Our Privacy Policy (which is this document) and incorporated herein by reference sets forth your and our rights and responsibilities with regard to your personal information. You agree that we, in our sole discretion, may modify our Privacy Policy at any time without notice. You agree that, by using our services after modifications to the Privacy Policy become effective, you have agreed to these modifications. You acknowledge that if you do not agree to any such modification you may terminate this Agreement after payment of all applicable fees then outstanding. We will not refund any fees paid by you if you terminate your Agreement with us. We will not process the personal data that we collect from you in a way incompatible with the purposes and other limitations described in our Privacy Policy and we will take reasonable precautions to protect your personal data from loss, misuse and unauthorized access or disclosure, alteration or destruction.

You represent and warrant that you have provided notice to, and obtained consent from, any third party individuals whose personal data you supply to us as part of our services with regard to:

a. the purposes for which such third party's personal data has been collected,

b. the intended recipients or categories of recipients of the third party's personal data,

c. which parts of the third party's data are obligatory and which parts, if any, are voluntary; and

d. how the third party can access and, if necessary, rectify the data held about them.

You further agree to provide such notice and obtain such consent with regard to any third party personal data you supply to us in the future. We are not responsible for any consequences resulting from your failure to provide notice or receive consent from such individuals nor for your providing outdated, incomplete or inaccurate information. Even if you license the use of our domain name registration services to a third party, you remain responsible for complying with all terms and conditions of this Agreement, and you accept liability for harm caused by such licensee's wrongful use of our domain name registration services, unless you promptly disclose the identity of such license upon request by any person who provides reasonable evidence of actionable harm.

You acknowledge and agree that financing applications require that this contact information, in whole or in part, be shared with the prospective investor or lender. As required by statutory or regulatory bodies, this information must also be made available to regulatory or investigative bodies. Both MQCC™ and our registry partners may be required to archive this information with a third party escrow service. You hereby consent and give permission for all such requirements and disclosures. Further, you represent and warrant that, if you are providing information about a third party, you have notified the third party of the disclosure and the purpose for the disclosure and you have obtained the third party's consent to such disclosure.

Subject to the requirements of our Privacy Policy, in order for us to comply the current rules and policies for the domain name system as required by statutory or regulatory bodies, you hereby grant to MQCC™ the right and authority to disclose to the applicable information to third parties through an interactive communication network, including the MQCC Pi-FI™ conformity network, certain mandatory information that you are required to provide when requesting funds or licensing Systems, Technology, Service are more fully specified in your application process.

Modifications to this Agreement

You agree that we may revise the terms and conditions of this Agreement and/or change the services provided hereunder at any time. Any such revision or change will be binding and effective within one (1) day after posting of the revised Agreement or change to the service(s) on our website or upon notification to you by posting of a notice on our website, b y e-mail or mail. By continuing to use our services after any revision to this Agreement or change in service(s), you agree to abide by and be bound by any such revisions or changes.

You agree to periodically review our Web site, including the current version of this Agreement available on our Web site, to be aware of any such revisions. If you do not agree with any revision to the Agreement, you may terminate this Agreement at any time by providing us with notice by e-mail or mail  addressed as follows:  MQCC™  548 Rundleridge Drive NE, Calgary, Alberta, Canada, T1Y 2K7. Notice of your termination will be effective on receipt and processing by us, but is subject to your having paid in full any and all fees or other expenses due and payable by you to us. Any fees paid by you if you terminate the Agreement are nonrefundable, but you will not incur any additional fees unless they are owed to us for any services you ordered that are in unpaid status.

We are not bound by nor should you rely on any representation by (a) any agent, representative or employee of any third party that you may use to apply for our services; or (b) on information posted on our Web site of a general informational nature. No employee, contractor, agent or representative of MQCC™ is authorized to alter or amend the terms and conditions of this Agreement.

Breach

You agree that all of the following may be considered by us a material breach of your obligations under this Agreement: (i) your failure to abide by any provision of this Agreement, any MQCC™ operating rule or policy or the dispute policy, (ii) your failure to pay any amounts due pursuant to this Agreement or any other written or online agreement with us for services that we provide, (iii) your willful provision of inaccurate or unreliable information as part of the application process, (iv) your failure to update your information to keep it current, complete and accurate [suitability disclosure], or (v) your failure to respond for more than fifteen (15) calendar days to inquiries from us concerning the accuracy of the contact details associated with your MQCC finance, venture capital or other application including developer application. You agree that if any of the following events occurs, we may then provide a written notice describing the breach to you. If within ten (10) calendar days of the date of such notice you have not provided evidence deemed satisfactory by us that you have not breached this Agreement or any other agreement or terms of service with us, such MQCC™ operating rule or policy or the dispute policy, we may suspend or terminate your MQCC™ goods(s) and service(s) you are using without further notice. We will not refund any fees paid by you if we terminate your Agreement due to your breach.

Representations and Warranties

You represent, warrant and agree that:

1. the information that you or your agent on your behalf provide to us during the application process to apply for funds, invest funds or to apply for other MQCC™ good(s) and service(s) is, to the best of your knowledge and belief, true, accurate and complete, and that any future changes to this information will be provided to us in a timely manner according to the modification procedures in place at that time;

2. to the best of your knowledge and belief neither the registration of your domain name nor the manner in which you intend to use such domain name will directly or indirectly infringe, or conflict with, the legal rights of a third party, including their intellectual property rights;

3. if you are a legal entity, you have all requisite right, power and authority to execute this Agreement and to perform your obligations hereunder and the person performing activities on the entity's behalf is so authorized to act on behalf of the entity;

4. if you are an individual, you are at least 18 years of age or that you have an agent who is 18 years of age or older and entering into this Agreement on your behalf; and

5. you have selected the necessary security option(s) for your MQCC Account registration record.

You agree that your use of our goods(s) and service(s) is solely at your own risk. You agree that all of our services are provided on an "as is," and "as available" basis and that neither MQCC™ nor any of its representatives makes any representation or warranty of any kind in connection with this Agreement or the provision of any services to you.

Disclaimer of Warranties

MQCC™ EXPRESSLY DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. THE GOODS AND SERVICES ARE PROVIDED TO YOU ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE MAKE NO WARRANTY THAT OUR good(s) and service(s) WILL MEET YOUR REQUIREMENTS, OR THAT THE good(s) and service(s) WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE; NOR DO WE MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE good(s) and service(s) OR AS TO THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH OUR MQCC MAIL SERVICE. YOU UNDERSTAND AND AGREE THAT ANY MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED OR RELIED UPON THROUGH THE USE OF OUR MQCC MAIL SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL AND/OR DATA. WE MAKE NO WARRANTY REGARDING ANY GOODS OR SERVICES PURCHASED OR OBTAINED THROUGH ANY OF OUR SERVICES OR ANY TRANSACTIONS ENTERED INTO THROUGH SUCH SERVICES. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH OUR .COM MAIL SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. TO THE EXTENT JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

DOWNLOADING OF THIRD PARTY COMMERCIALLY CONFIDENTIAL INFORMATION OR PERSONALLY IDENTIFIABLE INFORMATION IS FORBIDDEN WITHOUT EVIDENCE THAT YOU HAVE A CONFORMING CONFORMITY NETWORK IN PLACE.

Indemnity

You agree to release, indemnify, defend and hold harmless MQCC™, Bungay International Inc., MQCC Bungay International LLC, its parent, subsidiaries and affiliates and each of our and their respective employees, officers, directors, shareholders, affiliates, contractors, agents, successors and assigns (collectively, the "MQCC™ Parties") from any and all claims, actions, proceedings or demands and all liabilities, claims, damages, losses, costs and expenses, including reasonable attorneys' fees and expenses, of third parties, relating to or arising under this Agreement, the MQCC™ services provided hereunder, your domain name registration, or your use of the MQCC™ services, including without limitation (i) infringement of or dilution by you, or someone else using our service(s) from your computer, of any intellectual property or other proprietary right of any person or entity, (ii) your failure to perform any of your obligations to us or others relating to the services we provide or (iii) a violation of the terms of this Agreement or of policies and procedures incorporated herein or relating to the service(s) provided. If we are threatened with suit or sued by a third party, we may seek written assurances from you concerning your promise to indemnify us; your failure to provide those assurances may be considered by us to be a material breach of this Agreement providing us any and all remedies provided herein, including without limitation suspension or termination of your account or business dealings with us.

You further agree to indemnify, defend and hold harmless the MQCC™ Parties and their business partners, and their respective subsidiaries and affiliates, and the directors, officers, employees and agents, subcontractors and shareholders of each of them, from and against any and all claims, actions, losses, damages, expenses and costs, including reasonable attorneys' fees and expenses, arising out of or relating to (i) your business with MQCC (ii) any breach by you of this Agreement, including the Dispute Policy, or (iii) any third party claim, action, or demand related to your domain name or the use thereof. This indemnification obligation shall survive the termination or expiration of the registration agreement.

This indemnification obligation is in addition to any other rights or remedies MQCC™ may have against you at law or in equity.

You agree that MQCC™ shall have the right to participate in the defense of any such claim through legal counsel of its own choosing. You agree to notify MQCC™ of any such claim promptly in writing and to allow MQCC™ to control the proceedings should it so desire. You agree to cooperate fully with MQCC™ during such proceedings.

You agree to cooperate fully with MQCC™ during such proceedings. You agree you will not be entitled to a refund of any fees paid to MQCC™ if, for any reason, MQCC™ takes corrective action with respect to your improper or illegal use of its services.

Exclusive Remedy

Due to the critical and complex nature and quality of the MQCC goods and services, and the circumstances under which customers seek to do business with MQCC, you agree that our entire liability, and your exclusive remedy, in law, in equity, or otherwise, with respect to any MQCC™ good(s) and service(s) provided under this Agreement and/or for any breach by MQCC™ or its employees of this Agreement is limited solely to a maximum of five percent (5%) of the amount you paid for such service(s). TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL ANY MQCC™ PARTY BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, INDIRECT, SPECIAL, PUNITIVE, OR OTHER DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF BUSINESS PROFITS, BUSINESS INTERRUPTION, LOSS OF BUSINESS INFORMATION, OR OTHER PECUNIARY LOSS OR THE COST OF PROCUREMENT OF SUBSTITUTE SERVICES) ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE USE OF OR INABILITY TO US E ANY OF THE SERVICES PROVIDED BY MQCC™THE PROGRAM, EVEN IF MQCC™ HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO USER.

Without limiting the generality of the foregoing, you agree that we are not responsible for, and we specifically disclaim, any loss or liability resulting from, but not limited to:

x loss or liability resulting from access delays or access interruptions;

x loss or liability resulting from data non-delivery or data misdelivery;

x loss or liability resulting from acts of God;

x loss or liability resulting from the unauthorized use or misuse of your Account Number, Password or security authentication option;

x loss or liability resulting from errors, omissions, or misstatements in any and all information or service(s) provided under this Agreement;

x loss or liability relating to the deletion of or failure to deliver or store e-mail

messages;

x loss or liability resulting from the disrupted development or interruption of your

website;

x loss or liability from inaccessibility of our dot com mail service;

x loss or liability that you may incur in connection with our processing of your application for our services, our processing of any authorized modification to your domain name record or your agents failure to pay any fees, including the initial registration fee or re-registration fee; or

x loss or liability as a result of the application of our dispute policy

Revocation

You agree that we may terminate your contractual right to use our good(s) and service(s) if the information that you are obligated to provide to apply for money, invest money, license MQCC Suite™ of Systems, Technology, Services and Products (goods) or register for other MQCC™ good(s) and service(s), or that you subsequently modify, contains false or misleading information, or conceals or omits any information we would likely consider material to our decision to enter into a business relationship with you or your organization.

MQCC™ expressly reserves the right to deny, cancel or transfer any business relationship that it deems necessary, in its discretion, to protect the integrity and stability of the registry, to comply with any applicable laws, government rules or requirements, requests of law enforcement, in compliance with any dispute resolution process, or to avoid any liability, civil or criminal, on the part of MQCC™, as well as its affiliates, subsidiaries, officers, directors and employees. We also reserve the right to freeze or suspend a transaction as determined in our sole discretion.

Right of Refusal

We, in our sole discretion and without any liability to us, reserve the right to refuse to provide you with goods and/or services for any reason, including your failure to comply with the terms of this Agreement. In the event we refuse to register your domain name or continue to support an existing registration we will not issue a refund for any applicable fees you have paid. We  will inform you that MQCC™ refuses to provide you the service, and, in the case of an existing domain registration, may allow you a period of time to transfer the domain away from MQCC™. If you are unwilling or unable to comply with requests for information in a timely manner, or for any other reason, you agree that we shall not be liable to you for loss or damages that may result from our refusal to register or our deletion your domain name or refusal to register you for other services

Agreement to Be Bound

By  applying for a MQCC™ good(s) and service(s) through our online application process or by applying for and registering yourself as part of our web or e-mail customer intake and application process or by using the good(s) and service(s) provided by MQCC™ under this Agreement; or goods and services provided by MQCC and its related parties, you acknowledge that you have read and agree to be bound by all terms and conditions of this Agreement and any pertinent rules or policies that are or may be published by MQCC™ at any time. These terms will continue to apply to all past use of the good(s) and service(s) by you, even if you are no longer using the service(s). You acknowledge and agree that we may terminate or block your use of all or part of the service without prior notice for any reason, including, without limitation, if we believe you have engaged in conduct prohibited by these terms. You agree that upon termination or discontinuance for any reason, MQCC™ may delete all information related to you on the service and may bar your access to and use of any good or service.

Agents and MQCC Contract Terms Bound by Agents

You agree that if your agent (e.g., an intermediary (broker), lawyer, trustee, advisor, business partner, spouse, or other party including employee, etc.) retained MQCC goods or service(s) on your behalf, you are nonetheless bound as a principal by all terms and conditions herein, including the dispute policy. Your continued use of our services shall ratify any unauthorized actions of your agent. By acting on your behalf, your agent certifies that he or she is authorized to purchase our services on your behalf, that he or she is authorized to bind you to the terms and conditions of this Agreement and that he or she has apprised you of the terms and conditions of this Agreement. In addition, you are responsible for any errors made by your agent. We will not refund fees paid by you or your agent on your behalf for any reason, including, but not limited to, if your agent fails to comply with the terms and conditions of this Agreement, incorrectly provides information in the application process changes or otherwise modifies your domain name record incorrectly.

Use of Site Material

The contents of the MQCC Domain Universe are protected against unauthorized use in Canada and other countries by copyright and other intellectual property laws. MQCC Domain Universe authorizes you to view material on the MQCC Domain Universe website solely for your personal, noncommercial use. You must retain all copyright and other proprietary notices contained in the original material on any copy you refer to, for purposes of third party reference, namely, Cite your Source,  of the site material. You may not sell or modify our site material or reproduce, display, publicly perform, distribute, or otherwise use the material in any way for any public or commercial purpose. The names, marks, and logos appearing in the MQCC Domain Universe are, unless otherwise noted, trademarks owned by or licensed to the MQCC Domain Universe. The use of these marks, except as provided in these terms and conditions, is prohibited. If you violate any of these terms, your permission to use the site material automatically terminates. PEM® Institute reserves all other rights it may have at law or in equity.

Notices, Announcements and Complaints

You authorize us to notify you of information that we deem is of potential interest to you. Notices and announcements sent to the registered name holder may include commercial e-mails and other notices describing changes, upgrades, new products and services or other information pertaining to Internet security or to enhance your identity on the Internet and/or other relevant matters. If you do not wish to receive bulk email solicitation notices or announcements please send us an email at info@mqcc.org. Notices concerning breach will be sent by email to the registered name holder or in the alternative by the postal address you have on file with us. In both cases, delivery shall be deemed to have been made five (5) days after the date sent. Notices from you to MQCC™ (which shall be deemed to have been made by you to MQCC™ five (5) days after the date sent) shall be made either by email, sent to the address we provide on our web site, or first class mail to our address at:

548 Rundleridge Drive NE

Calgary, Alberta,

Canada T1Y 2K7

Or, due to pandemic risk, via email to info@mqcc.org.

(1) Any notice, complaint, or other communication required or permitted to be delivered to MQCC™ under this Agreement shall be in writing unless otherwise specified and shall be deemed properly delivered, when sent to our contact address specified in the Customer Control Panel or on MQCC™'s Website by registered mail or courier. Any communication shall be deemed to have been validly and effectively given, on the date of receiving such communication, if such date is a Business Day and such delivery was made prior to 17:00 hours local time (MST), and otherwise on the next Business Day.

(2) Any notice, complaint, or other communication to be delivered to MQCC™ via email under this agreement shall be deemed to have been properly delivered if sent to its Legal or Abuse Contact mentioned in the Customer Control Panel or on the MQCC™'s Website. We strive to respond to complaints by return email within two business days.

(3) Any notice or other communication required or permitted to be delivered to the Customer under this Agreement shall be deemed properly delivered, given and received when delivered to email address or contact address of the Customer in the Customer Control Panel/ Database.

(4) Other than those notices mentioned in this agreement, MQCC™ is NOT required to communicate with the Customer in any respect about services provided under this agreement. As a convenience to the Customer, we may proactively send notices about aspects with regards to services rendered under this Agreement, however these notices may be discontinued by MQCC™ at anytime.

User Generated Content

User Content. The MQCC Domain Universe might give you the opportunity to comment on and engage in discussions regarding articles, companies and various topics. Any content, information, graphics, audio, images, and links you submit as part of creating your profile or in connection with any of the foregoing activities is referred to as "User Content" in this Agreement and is subject to various terms and conditions as set forth below.

Cautions Regarding Other Users and User Content. You understand and agree that User Content includes information, views, opinions, and recommendations of many individuals and organizations and is designed to help you gather the information you need to help you make your own decisions. Importantly, you are responsible for your own investment decisions and for properly analyzing and verifying any information you intend to rely upon. We do not endorse any recommendation or opinion made by any user. We do not routinely screen, edit, or review User Content. However, we reserve the right to monitor or remove any User Content from the website at any time without notice. You should also be aware that other users may use our website for personal gain. As a result, please approach messages with appropriate skepticism. User Content may be misleading, deceptive, or in error.

Grant of Rights and Representations by You. If you upload, post, or submit any User Content on our website, you represent to us that you have all the necessary legal rights to upload, post, or submit such User Content and it will not violate any law or the rights of any person. You agree that upon uploading, posting, or submitting information on the website, you grant PEM® Institute, and our respective affiliates and successors a non-exclusive, transferable, worldwide, fully paid-up, royalty-free, perpetual, irrevocable right and license to use, distribute, publicly perform, display, reproduce, and create derivative works from your User Content in any and all media, in any manner, in whole or part, without any duty to compensate you. You also grant us the right to authorize the use of User Content, or any portion thereof to other users in accordance with the terms and conditions of this Agreement, including the rights to feature your User Content specifically on the website and to allow users to request access to your User Content, such as for example through an RSS Feed.

The MQCC Domain Universe may also remove any User Content for any reason and without notice to you. This includes all materials related to your use of our website or membership, including email accounts, postings, profiles, or other personalized information you have created while on our website.

Contact Directory Terms and Conditions

Use of any Professional, Member or other Directory of Individual or Organization contact information (Contact Directory) displayed in the MQCC Domain Universe is to verify association with the MQCC Domain Universe, confirmation of professional designation (charterholder status) or locate an authorized, affiliated or certified organization.  

Do not use any MQCC Domain Universe contact directory for purposes such as advertising, solicitations, and mass communications.

Use of Links and Logos

You do not need to request permission to create a text link from your website to the PEM® Institute website. However, the PEM® Institute logo may not be used without a written agreement. Please send all requests to trademark@PEM®institute.org. PEM® Institute reserves the right to request the removal of any link; See Intellectual Property for full details.

CANADA PROVINCIAL MORTGAGE TRADE LEGISLATION & PROVINCIAL SECURITIES LEGISLATION

(NATIONAL INSTRUMENT 31-103 REGISTRATION REQUIREMENTS, EXEMPTIONS AND ONGOING REGISTRANT OBLIGATIONS)

Statement of fact: There are at least 30 or more different debt and equity financing arrangements that may help a company raise funds.

  1. Debt - non-real-estate secured (non-mortgages): MQCC is not regulated by either mortgage or securities legislation. In the matter of debt, non-real estate secured debt instruments do not typically require registration.
  2. Debt - real-estate secured (mortgages): MQCC is regulated by provincial mortgage trade legislation; and is exempt from For real-estate secured debt financing, a credit intermediary must be licensed as a mortgage broker; pursuant to securities exemption 8.12 of National Instrument 31-103.
  3. Equity (company, corporate finance):  MQCC is exempt from Registration Requirements pursuant to securities legislation; pursuant to securities exemption 8.25 of National Instrument 31-103.

Securities Regulation Exemption (source: Alberta) for raising Debt or Equity

Mortgage Regulation (source: Canada, National) for raising Real-Estate Secured Debt

  1. Debt - non-real-estate secured (non-mortgages);  no securities or mortgage exemption necessary. Typically, any one can raise debt that is not secured by real estate.
  2. Debt - real-estate secured (mortgages): subject to mortgage legislation and exempt from securities legislation. You must be licensed pursuant to provincial mortgage legislation to trade in mortgages. Given that mortgages are a form of financial security, government licensed mortgage brokers are exempt from regulation under securities regulation as per securities exemption 8.12 of National Instrument 31-103. Namely:
  1. Equity (company, corporate finance):  MQCC is exempt from securities legislation pursuant to to securities exemption 8.25 of National Instrument 31-103 because MQCC's systems and technology do not purport to provide tailored advice.

Securities Regulation Exemption Discussion

MQCC Self-Investing Memo

RISKS & UNCERTAINTIES

Information contained within and appearing on our website is gathered from publicly available sources. Some information is provided from private companies directly. Site users should therefore familiarize themselves with all safe-harbor and risk statements made by each individual company.

The information you find at MQCC may include forward-looking statements that involve risks and uncertainties.

Investment in securities carries a high degree of risk which may result in investors losing all of their invested capital. Please keep in mind that a company’s past financial performance, including the performance of its share price, does not guarantee future results.

POTENTIAL CONFLICTS OF INTEREST

MQCC affiliates, officers, directors and employees may have bought or may buy shares of mortgage investments or companies mentioned herein and may profit in the event those investments or shares rise in value.

MQCC will not advise as to when it decides to sell and does not and will not offer any opinion as to when others should sell. Each investor must make his/her own decision based on his/her judgment of the market.

Our associates and/or employees and/or principals may have stock positions in advertised and/or listed companies purchased in the open market or in private transactions. These positions may be liquidated, without prior notification, without regard to the timing of a paid advertisement and/or listing.

WE ACCEPT NO LIABILITY FOR YOUR INVESTMENT DECISIONS

We do not personally, or as a company, endorse or recommend stocks or other investments. We are not liable for any investment decisions by our readers. Readers should independently investigate and fully understand all risks before investing. It is strongly recommended that any purchase or sale decision be discussed with a financial adviser or broker prior to completing any such purchase or sale decision.

FORWARD-LOOKING STATEMENTS & SAFE HARBOR

Investor relations information and materials appearing on our website or accessed via our website, including company press releases and investor kits, contain “forward-looking statements,” within the meaning of Section 27(a) of the Securities Act of 1933 and Section 21(e) of the Securities Exchange Act of 1934 (USA).

Forward-looking statements are based upon expectations, estimates and projections at the time the statements are made and involve risks and uncertainties that could cause actual events to differ materially from those anticipated.

Forward-looking statements may be identified thorough the use of words such as expects, will, anticipates, estimates, believes, or by statements indicating certain actions may, could, should, or might occur. Any statements that express or involve predictions, expectations, beliefs, plans, projections, objectives, goals or future events or performance may be forward-looking statements.

* Companies who subscribe to our service, either under our various plans, provide and/or maintain their own listing information and other related data, including but not limited to company overviews, press releases, guidelines, audio-, video- and web presentations.

Ownership

Ownership of Data

All rights, titles and interest in and to the SOFTWARE, WEBSITE, INTELLECTUAL PROPERTY and the files associated therewith are owned by MortgageQuote Canada Corp. MQCC, Bungay International Inc., related parties or its/their suppliers. The foregoing rights to the SOFTWARE, WEBSITE, INTELLECTUAL PROPERTY are licensed to you on a limited basis as prescribed in the following Grant of License. In any event, this provision should not be construed in any way, as an expression to assign or sell any copyrights of, or any other intellectual property rights to, the SOFTWARE, WEBSITE, INTELLECTUAL PROPERTY from MortgageQuote Canada Corp. MQCC, Bungay International Inc., to you.

Company Ownership

For government and non-government; international and Canadian parties; MortgageQuote Canada Corp. (MQCC™) is a privately owned corporation with head office in Calgary, Alberta, Canada and regional offices in British Columbia and Ontario.

Third Party Data Ownership

  1. If data arrives at MQCC for MQCC-related business purposes, then the data will belong to MQCC as per Privacy legislation; to be used by MQCC for the intended purpose.
  2. If data arrives at MQCC for NON-MQCC-related business purposes, and:
  1. MQCC determines that the data was sent in error (erroneous data transmission); or the data is otherwise not fit for use by MQCC;

then the data will be managed by MQCC pursuant to statutory, regulatory or practical requirements either by way of destruction or time-based, secured archival. The duration of time is subject to the jurisdiction within which MQCC operates.

Disclosure Policy

MQCC’s disclosure strikes a balance between sharing information that enhances our public accountability, and protecting the commercially confidential information entrusted to us by our clients.

As per the International Quality Management System Standard, ISO 9001:2015, a Federal Government of Canada, Standard’s Council of Canada Accredited Auditor audits our total business processes every year and and performs a special examination on our activities during every yearly audit. An internal auditor oversees all operations, daily.


MQCC's Conformity group conducts audits based on an audit plan which is approved by the Organization Conformity Committee, created by the Board of Directors. After each raised nonconformity event or internal and external audit, a report is issued which includes our opinion on the related internal controls, a summary of each finding and our recommendations for improvement.

Email - User Log-in Authentication

Anti-Spoof, Anti-Phishing protocols, Authorized Server:

Email authentication is a way to ensure that an email provider will be able to recognize the sender of an incoming message and fight spam and abuse. You can use authentication data to verify the source of any message that you receive. For example, if you receive a message from a big sender (like a financial institution, or a major email provider, like Google, Yahoo or Hotmail) that isn’t authenticated, this message is most likely forged and you should be careful about replying to it or opening any attachments. (Source)

MortgageQuote authentication methods:

SPF specifies which hosts are allowed to send messages from a given domain by creating an SPF record. We create an SPF record that identifies the MortgageQuote mail servers as the authorized mail servers for our domain so that recipients may determine it is a valid message.

DKIM allows the sender to electronically sign legitimate emails in a way that can be verified by recipients using a public-key. A 1024-bit domain key is issued.

DMARC Authentication of ALL outbound email to process mail that fraudulently claims to originate from a mortgagequote address (phishing, spooring, spam, malicious email). DMARC is a published policy that tells email providers how to handle messages that are sent from mortgagequote.ca but aren’t authenticated. MortgageQuote is able to measure and enforce the authenticity of its emails. By defining a policy, we help combat phishing and related malicious mail, to protect our users.

Goal: "less spam": As an article in Techrepublic stated: "SPF, DKIM, and DMARC don't solve all spam problems: spammers can still send email that people didn't ask for and don't want. But these tools do make it difficult for spammers to send fake messages that appear to have been sent by your organization [MortgageQuote.ca]." As users of email for primary communication, MortgageQuote's management believes it owes you the benefit of using SPF, DKIM, and DMARC.

Employees are required to log-in with 2-step verification.

Privacy Laws

Canada has two federal privacy laws, the Privacy Act, which covers the personal information-handling practices of federal government departments and agencies, and the Personal Information Protection and Electronic Documents Act (PIPEDA), the federal private-sector privacy law.

PIPEDA will not apply to an organization that operates wholly within a province that has legislation that has been deemed substantially similar to the PIPEDA, unless the personal information crosses provincial or national borders.  Alberta, British Columbia and Quebec have general private-sector legislation that has been deemed substantially similar. (see following section titled “Provincial privacy laws” for more information)

Therefore, PIPEDA generally applies to:

Provincial privacy laws

Some provinces have passed privacy laws that apply to employee information. Examples include

Each province and territory in Canada has a commissioner or ombudsman responsible for overseeing provincial and territorial privacy legislation, and these are listed on our website.

Privacy Policy Statement

MortgageQuote Stakeholders; Customers and External Providers

1. MortgageQuote Canada Corp. is serious about maintaining your privacy.

2. MortgageQuote Canada Corp. will use its best efforts to secure your information in accordance with generally acceptable business process standards.

3. MortgageQuote Canada Corp. maintains its client data in secured data warehousing facilities as per our data security process. See bottom of this statement for the data security statement.

4. MortgageQuote Canada Corp. has developed policies and procedures to: protect personal information; receive and respond to issues related to privacy and data security; train staff regarding related policies and procedures; communicate the policies and procedures to you, our clients.

5. MortgageQuote Canada Corp. collects client personal information for:

MortgageQuote Canada Corp. will not use personal information for any additional purpose unless MortgageQuote Canada Corp. seeks client consent to do so.

6.MortgageQuote Canada Corp. will obtain client consent to collect, use or disclose any personal information except where detailed in this policy. MortgageQuote Canada Corp. will make reasonable efforts to ensure that clients understand how their personal information will be used and disclosed.

7. A client's consent can be express, implied, or given through an authorized representative such as a lawyer, agent or broker. Consent may be given orally, in writing, or electronically. For example, depending on the sensitivity of the information, consent can be expressed over the telephone when information is being collected; electronically when submitting an agreement, application, or other information; in writing when signing an agreement or application form. Implied consent exists when MortgageQuote Canada Corp. can reasonably infer consent based upon the action or inaction of the client.

8. MortgageQuote Canada Corp., however, may collect, use or disclose personal information without the client's knowledge or consent as follows:

9. Subject to borrower disclosure agreement. MortgageQuote Canada Corp. may decline to deal with a client or person who will not consent to the use of information for financing purposes; or who cannot provide verification of identity.

10. MortgageQuote Canada Corp. may periodically use client personal information to conduct client surveys in order to enhance our provision of services or products. If an outside body is employed to conduct research on behalf of MortgageQuote Canada Corp., or provide other services that require access to client information, MortgageQuote Canada Corp. will ensure that appropriate security undertakings, such as confidentiality clauses in contractual arrangements, are employed to protect the transfer and use of personal information.

11. MortgageQuote Canada Corp. will retain client personal information only as long as necessary or expected to be necessary for the identified purposes, or as required by legislation.

12. MortgageQuote Canada Corp. may disclose personal information related to third parties as required to effect a financing transaction.

13. MortgageQuote Canada Corp. will make reasonable efforts to ensure that client personal information is as accurate. In some cases, MortgageQuote Canada Corp. relies on its clients to ensure that certain information, such as the client's address or telephone number, is current, complete, and accurate.

14. MortgageQuote Canada Corp. will update information necessary to fulfill the purposes to maintain an active account. An account is deemed active for 7 years from the date of application; or based upon the time the regulators deem it to remain in file for audit purposes.

15. MortgageQuote Canada Corp. is committed to the safekeeping of client personal information in order to prevent its loss, theft, unauthorized access, disclosure, duplication, use, or modification, and will employ appropriate security measures to protect the information. The measures may include, for example, the physical security of offices and data, and electronic security measures such as passwords and encryption where appropriate.

16. Clients are to direct any complaints, concerns or questions regarding this privacy policy in writing to the Privacy Officer. At any point in this process the client may also write to the Privacy Commissioner.

17. To improve the usability of our website at www.mortgagequote.ca we capture information about how users interact with our site and what pages they visit. No personal information is collected as part of this process. The data we collect is used internally to better understand and support our users.

18: Right of access. Subject to law, every person has a right of access to a record or a part of a record in the custody or under the control of an institution unless:

Previous Version

Marginal note:Sensory disability

10 An organization shall give access to personal information in an alternative format to an individual with a sensory disability who has a right of access to personal information under this Part and who requests that it be transmitted in the alternative format if

19. Right of Notification: Pursuant to applicable law, namely Alberta: Notification of loss or unauthorized access or disclosure 34.1(1) An organization having personal information under its control must, without unreasonable delay, provide notice to the Commissioner of any incident involving the loss of or unauthorized access to or disclosure of the personal information (breach) where a reasonable person would consider that there exists a real risk of significant harm to an individual as a result of the loss or unauthorized access or disclosure. (2) A notice to the Commissioner under subsection (1) must include the information prescribed by the regulations.

1(1) Where an organization suffers a loss of or unauthorized access to or disclosure of personal information that the organization is required to provide notice of under section 34.1, the Commissioner may require the organization to notify individuals to whom there is a real risk of significant harm as a result of the loss or unauthorized access or disclosure (a) in a form and manner prescribed by the regulations, and (b) within a time period determined real by the Commissioner.

20. Severability of record. Subject to law, if an institution receives a request for access to a record that contains information that falls within one of the exemptions under the law; and the head of the institution is not of the opinion that the request is frivolous or vexatious, the head shall disclose as much of the record as can reasonably be severed without disclosing the information that falls under one of the exemptions.

21. How long do we keep your personal information?
We will delete your personal information when we no longer need such personal information, for instance where:
i. it is no longer necessary for us to retain your personal information to fulfil the purposes for which we had collected it;
ii. we believe that your personal information that we hold  is inaccurate; or
iii. in certain cases where you have informed us that you no longer consent to our processing of your personal information.  

Sometimes, however:
a. there are legal or regulatory requirements which may require us to retain your personal information for a specified period, and in such cases we will retain your personal information for such specified period; and
b. we may need to retain your personal information for certain longer periods for product liability purposes or in relation to legal disputes, and in such cases we will retain it for longer periods to the extent required.


Note: that we may retain some limited information about you even when we know that you have left the organisation that:

So that we can maintain a continuous relationship with you if and when we are in contact with you again, representing a different organisation.

Referral Privacy Policy: Clients referred to MortgageQuote.ca by referral sources are subject to the following REFERRAL PRIVACY POLICY:

As a Paid Simple Referral Source, once you send the referral, there is not much more for you to do, other than wait.  

How do you know if your referred client has been funded or not?

You can email the office and request for a status update. The status update will tell you nothing more than the following:

Any correspondence from a Paid Simple Referral Source to MortgageQuote will be responded to with the above status update content and the Applicant has the right to review any responses.

Pursuant to the Freedom of Information and Privacy Act (FOIP), referral sources may not be provided with any more information.

Unpaid referral sources are provided with a simple thank you, on a best efforts basis, upon referral receipt or referral transaction funding.

Understanding Consent[1]:

UNDERSTANDING CONSENT
CASL distinguished between two types of consent:

Express consent
Express consent means that a person has clearly agreed (orally or in writing) to receive email from you. Express consent does not expire. It’s valid until a recipient withdraws his or her consent.


Implied consent
Even if an individual hasn’t given express consent, certain activities can imply consent and allow marketers to send email to that individual, too. For example, if someone purchased a product from a brand or inquired about a brand’s services, this is considered implied consent under CASL, and the brand is allowed to send promotional emails.
In contrast to express consent, however, implied consents expire. For a purchase, the implied consent is valid for 2 years. If it was an inquiry about a product or service, the consent is valid for only 6 months. If the subscriber hasn’t “renewed” its implicit consent during that time frame, for example by buying from the brand again, the implied consent expires. In this case, the brand won’t be allowed to send promotional messages to that subscriber anymore.

Rental Properties & Tenants

See our Rental Privacy Policy for Tenants see rentprivacy.mortgagequote.ca

Records Retention Requirements & Records Request Process

(DDRAP™ and DDRD™)

All records owned by MQCC or in possession of MQCC, including:

Are classified as commercially confidential information (CCI) or personally identifiable information (PII) and therefore MQCC will not be able to provide this information to third parties, in accordance with the MQCC Pi-Fi™ (www.pi-fi.org) standards; privacy legislation; intellectual property and trade secret legislation and errors and omissions insurance requirements.

Records Retention

Retrieval and Delivery Subject to Mortgage Laws:

All records are held subject to legislation;

Regarding DDRAP™ & DDRD™ Fees: In today’s era of cloud computing and native email platform  retention and recovery, there is no reason for a person to not possess copies of all correspondence from MQCC.

Alberta Law

Records - Release of File to Client

Purpose:  This bulletin explains the considerations to consider when a client asks for the contents of their file.

This bulletin applies to all industry professionals.

Industry professionals must comply with legislation and where applicable fiduciary obligations before giving clients the contents of their file

Many industry professionals ask the Real Estate Council of Alberta (RECA) the following question:

“Our brokerage represented a buyer in a real estate transaction last year. We have now received a letter from the buyer’s lawyer requesting we send the lawyer the contents of our file with respect to that transaction. What is our responsibility or obligation to supply the copy of file as requested?”

All industry professionals may face a request like and the following applies in all such cases.

In consideration of this question, RECA assumes:  

The general rule is that you must give your client all their information you collect.

Client information includes all documents or forms related to the transaction or service, for example:

Clients must authorize disclosure to a third party

You must not disclose client information to a third party without the client’s written consent or if the law requires the disclosure

In the question posed, you must obtain written consent from the client to provide copies of the file to the lawyer requesting the information.

Real Estate Council of Alberta’s recommendations

Practice tip on saving transaction documents

You do not know if your file will become the subject of a legal proceeding.  This is one reason why you should always be cautious and clearly state the type of service and nature of the relationship between yourself and clients in service agreements. You must also remember fiduciary duties, like maintaining confidentiality of information, apply after the transaction is complete.

You may have to disclose your personal information, business information of the brokerage or appraisal firm if it is relevant to the issues in a legal proceeding.

Related information

Legislation

Section 25 (9) REAL ESTATE ACT Source: (http://www.qp.alberta.ca/documents/Acts/R05.pdf): An industry member shall, in accordance with the rules, keep in Alberta records and books of account of the industry member’s business and accounting records, and shall keep those records and books of account (a) for a period of 3 years after they came into existence, or (b) for any longer period that the executive director directs in a particular case for the purposes of an investigation or prosecution under this Act.  There was a recommendation by RECA in 2013 to extend this time frame, however this recommendation is not implemented.

Any content beyond  the time frame is destroyed.

Ontario Law

5. How long do records need to be retained? Source

A Mortgage Brokerage is required to retain:

  1. All records that relate to a mortgage or mortgage renewal for at least six years after the mortgage or mortgage renewal’s term expires.
  2. All records that relate to the purchase, sale or trade of a mortgage for at least six years after the trade completion date or expiry of the transaction.
  3. All other records, including all financial records, for at least six years.

Regarding DDRAP™ & DDRD™ Fees: In today’s era of cloud computing and native email platform  retention and recovery, there is no reason for a person to not possess copies of all correspondence from MQCC.

 

BC Law

Mortgage brokers shall keep separate, and make available at their registered business address for a period of seven years.

Regarding DDRAP™ & DDRD™ Fees: In today’s era of cloud computing and native email platform  retention and recovery, there is no reason for a person to not possess copies of all correspondence from MQCC.

VBRP

If the results of an initial records request response raises questions or concerns, please see this page: MortgageQuote's Commendations and Complaints Policy and the section called MQCC Volunteer Broker Resolution Process (MQCC VBRP) Section.

PIPEDA PRIV.GC.ca REFERENCE: Principle 5 – Limiting Use, Disclosure, and Retention

4.5 Principle 5 —Limiting Use, Disclosure, and Retention

Personal information shall not be used or disclosed for purposes other than those for which it was collected, except with the consent of the individual or as required by law. Personal information shall be retained only as long as necessary for the fulfilment of those purposes.

4.5.1

Organizations using personal information for a new purpose shall document this purpose (see Clause 4.2.1).

4.5.2

Organizations should develop guidelines and implement procedures with respect to the retention of personal information. These guidelines should include minimum and maximum retention periods. Personal information that has been used to make a decision about an individual shall be retained long enough to allow the individual access to the information after the decision has been made. An organization may be subject to legislative requirements with respect to retention periods.

4.5.3

Personal information that is no longer required to fulfil the identified purposes should be destroyed, erased, or made anonymous. Organizations shall develop guidelines and implement procedures to govern the destruction of personal information.

4.5.4

This principle is closely linked to the Consent principle (Clause 4.3), the Identifying Purposes principle (Clause 4.2), and the Individual Access principle (Clause 4.9).

Personal information shall not be used or disclosed for purposes other than those for which it was collected, except with the consent of the individual or as required by law. Personal information shall be retained only as long as necessary for the fulfillment of those purposes.

Your Organization’s Privacy Responsibilities

Under the “Limiting Use, Disclosure, and Retention” principle, your organization must:

Under the “Limiting Use, Disclosure, and Retention” principle, your organization should:

Note

It should be noted that simple recycling of paper-based-personal information is not the same as destruction.

How to Meet these Objectives

Limit Use and Disclosure

Retention and Destruction

When access prohibited

PIPEDA PRIV.GC.ca REFERENCE: Principle 9 – Individual Access

4.9 Principle 9 — Individual Access

Upon request, an individual shall be informed of the existence, use, and disclosure of his or her personal information and shall be given access to that information. An individual shall be able to challenge the accuracy and completeness of the information and have it amended as appropriate.

Note: In certain situations, an organization may not be able to provide access to all the personal information it holds about an individual. Exceptions to the access requirement should be limited and specific. The reasons for denying access should be provided to the individual upon request. Exceptions may include information that is prohibitively costly to provide, information that contains references to other individuals, information that cannot be disclosed for legal, security, or commercial proprietary reasons, and information that is subject to solicitor-client or litigation privilege.

4.9.1

Upon request, an organization shall inform an individual whether or not the organization holds personal information about the individual. Organizations are encouraged to indicate the source of this information. The organization shall allow the individual access to this information. However, the organization may choose to make sensitive medical information available through a medical practitioner. In addition, the organization shall provide an account of the use that has been made or is being made of this information and an account of the third parties to which it has been disclosed.

4.9.2

An individual may be required to provide sufficient information to permit an organization to provide an account of the existence, use, and disclosure of personal information. The information provided shall only be used for this purpose.

4.9.3

In providing an account of third parties to which it has disclosed personal information about an individual, an organization should attempt to be as specific as possible. When it is not possible to provide a list of the organizations to which it has actually disclosed information about an individual, the organization shall provide a list of organizations to which it may have disclosed information about the individual.

4.9.4

An organization shall respond to an individual’s request within a reasonable time and at minimal or no cost to the individual. The requested information shall be provided or made available in a form that is generally understandable. For example, if the organization uses abbreviations or codes to record information, an explanation shall be provided.

4.9.5

When an individual successfully demonstrates the inaccuracy or incompleteness of personal information, the organization shall amend the information as required. Depending upon the nature of the information challenged, amendment involves the correction, deletion, or addition of information. Where appropriate, the amended information shall be transmitted to third parties having access to the information in question.

4.9.6

When a challenge is not resolved to the satisfaction of the individual, the substance of the unresolved challenge shall be recorded by the organization. When appropriate, the existence of the unresolved challenge shall be transmitted to third parties having access to the information in question.

Upon request, an individual shall be informed of the existence, use, and disclosure of his or her personal information and shall be given access to that information.  An individual shall be able to challenge the accuracy and completeness of the information and have it amended as appropriate.

Your Organization’s Privacy Responsibilities

Under the “Individual Access” principle and Section 8 of PIPEDA your organization must:

EXCEPTION: Note that section 4.9 of PIPEDA does provide that in certain situations, an organization may not be able to provide access to all personal information it holds but exceptions should be limited and specific and reasons for not providing access should be provided to the individual.

Under the “Individual Access” principle, your organization should:

Under the “Individual Access” principle and Section 8 of PIPEDA, your organization may:

How to Meet these Objectives

Preparing for Access Requests

Processing Access Requests

Amending Personal Information

Denial of Access

Extension of Time Limits

  1. responding within the original 30 days would unreasonably interfere with activities of your organization;
  2. additional time is needed to conduct consultations; or
  3. additional time is needed to convert personal information to an alternative format.

Privacy Cases

Bank refuses customer access to internal credit score

Complaint

An individual complained that a bank had refused him access to his personal information, specifically his credit score.

Summary of Investigation

After reading an article on the subject, the complainant had written asking his bank for his credit score. The bank refused him access, citing the exemption provided in section 9(3)(b) of the Personal Information Protection and Electronic Documents Act. The bank's position was that to give customers their internal credit scores would be to reveal confidential commercial information in the form of the credit scoring model on which the scores were based.

The bank confirmed that it maintained an "account management" credit score in connection with the complainant's use of his credit card. The credit score in question was the bank's internal credit score. It had been generated not by a credit reporting agency's standardized credit scoring model, but rather by a customized model unique to the bank and incorporating its strategic business priorities.

In support of the proposition that its internal credit scoring models were confidential commercial information, the bank made three main arguments:

(1) A confidentiality agreement between the bank and the firm from which it licensed the models prohibited the disclosure of account management scores. The Commissioner noted that, unless the scores were determined to be exemptable under section 9(3)(b) or some other provision of the Act, the Act would supersede any such confidentiality agreement.

(2) Credit scoring models should be deemed confidential commercial information by reference to the factors commonly considered by the courts in determining what constitutes a "trade secret" or in distinguishing between "commercial" and "business" information. In this context, the bank demonstrated to the Commissioner's satisfaction that it and other financial institutions did genuinely regard their internal credit scoring models as proprietary, confidential commercial information, analogous to trade secrets, and did treat and protect them accordingly. The Commissioner noted that he found this argument particularly compelling in making his determinations.

(3) The experience of other jurisdictions is instructive and supports the bank's position that credit scores should not be released. The Commissioner noted that, though practices in other countries ought not determine what rules should apply in Canada or how our own Act should be interpreted, he had nevertheless found the experience of other jurisdictions helpful in satisfying him that the depiction of internal credit scoring models as confidential commercial information was neither fanciful nor disingenuous.

In support of the proposition that releasing internal credit scores could reveal the models by which they were generated, the bank presented a forensic analysis of the risk of fraud contingent upon the availability of credit scores. That analysis concluded that, if internal credit scores were readily available, the integrity of a credit scoring model could be compromised on the basis of a relatively small number of known scores generated by the model. The Commissioner's Office consulted an expert in the field of algorithms, who found this conclusion to be correct on the whole and affirmed that access to customized credit scores would definitely make it easier to approximate a bank's model.

Commissioner's Findings

Issued July 22, 2002

Jurisdiction: As of January 1, 2001, the Personal Information Protection and Electronic Documents Act applies to any federal work, undertaking, or business. The Commissioner had jurisdiction in this case because banks are federal works, undertakings, or businesses as defined in the Act.

Application: Principle 4.9 states that, upon request, an individual must be informed of the existence, use, and disclosure of his or her personal information and must be given access to that information. Section 9(3)(b) is an exemption provision stipulating that an organization is not required to give access to personal information if to do so would reveal confidential commercial information.

The Commissioner was satisfied that the bank's internal credit scoring model was confidential commercial information. Moreover, on the cumulative basis of the submissions from this and an earlier case, he was persuaded in general that customized credit scoring models internal to financial institutions should in future be deemed confidential commercial information for purposes of the Act.

On the question whether the release of credit scores would reveal the model by which they were generated, the Commissioner found as follows:

He noted that section 9(3)(b), by using the word "would" rather than "could" or "might", set a very high standard for justifying the withholding of personal information.

Though willing to admit that it was technically possible to approximate a credit scoring model from knowledge of a few scores, he was not in the least persuaded that it would ever happen.

Specifically, the bank's submissions had failed to convince him that fraudsters would actually go to the lengths described in the risk analysis to deceive a bank. He found it especially difficult to accept the apprehension, evidently shared by all Canadian banks, that even one's competitors in the credit-granting community would as a matter of course resort to such tactics in order to "crack" one another's credit scoring models and gain competitive advantage.

Nevertheless, the fact remained that the bank had stated its belief and expressed its fear of inevitable fraud through manipulation of released credit scores and its mistrust of the competitive ethics of the credit-granting community. Having personally examined the bank's credit scoring model, he had no reason to suspect ulterior motives that might be contrary to the public interest, such as fear of giving rise to controversy or embarrassment for the bank.

However unlikely it seemed to him that the release of credit scores would reveal the internal scoring model, it was undeniably a prospect that the Canadian banking community continued to take very seriously and that he himself was unable to refute. Moreover, he continued to see no significant harm ensuing to Canadians' privacy rights from the inability to obtain internal credit scores.

Given his responsibility to achieve a balance between the privacy rights of individuals and the legitimate informational interests of organizations, he considered it only fair in the circumstances to accept the proposition that the release of internal credit scores would reveal the credit scoring model on which they were based.

The Commissioner found that, in citing the section 9(3)(b) exception for confidential commercial information to refuse the complainant access to his credit score, the bank had been acting in accordance with the Act.

He concluded that the complaint was not well-founded.

Further considerations

This finding is identical to the Commissioner's finding in a previous complaint against a different bank with regard to denied access to internal credit scores.

Date modified: 2002-07-22

Accountability, Transparency and Disclosure

MortageQuote Canada Corp. is responsible for the Personal Information under its control and has appointed a Chief Privacy Officer to comply in all material respects with applicable privacy legislation and the terms of this Privacy Policy.

The Chief Privacy Officer and those designated by the Chief Privacy Officer address and investigate questions or concerns regarding a Client's Personal Information.

Chief Privacy Officer

548 Rundleridge Drive NE

Calgary, AB T1Y 2K7

IT Providers to MortgageQuote Canada Corp.

As a Best-in-Industry Sector & Best-in-Industry Class company, MortgageQuote Canada Corp. relies on Best-in-Industry Sector & Best-in-Industry Class IT Vendors including the following:

Amazon Web Services, Inc

Google Inc.

Data Security Statement

The following certifications are earned by ourselves or our third-party IT infrastructure and delivery partners:

ISO 9001

ISO 27001

SSAE 16 / ISAE 3402

FISMA

Data is secured by a comprehensive, integrated network of our own internal servers and those of our reliable and proven third party suppliers.

With many users using our MortgageQuote Canada Corp. services, security and data protection are paramount for us. We take security very seriously and have developed a comprehensive set of practices, technologies and policies to help ensure your data is secure.

If you are currently maintaining your data on personal computers or your own servers, the odds are that we offer a better level of security than what you currently have in place.

This document outlines some of the mechanisms and processes we have implemented to help ensure that your data is protected. Our security practices are grouped in four different areas: Physical Security; Network Security; People Processes and Redundancy and Business Continuity.

At a high level, we’ve taken the following approach to secure the MortgageQuote Canada Corp. infrastructure:

Physical Security

Our third party datacenters are hosted in some of the most secure facilities available today in locations that are protected from physical and logical attacks as well as from natural disasters such as earthquakes, fires, floods, etc.

Our own office facilities have the following:

Network Security

Our supplier’s network security team and infrastructure helps protect your data against the most sophisticated electronic attacks. The following is a subset of our network security practices. These are intentionally stated in a very general way, since even knowing what tactics we use is something hackers crave. If your organization requires further detail on our network security, please contact us.

People Processes

Designing and running data center infrastructure requires not just technology, but a disciplined approach to processes. This includes policies about escalation, management, knowledge sharing, risk, as well as the day to day operations. MortgageQuote Canada Corp.'s supplier’s security team has years of experience in designing and operating data centers and continually improves their processes over time. They have developed  world class practices for managing security and data protection risk.

Safeguard Data

This section summarizes MQCC data practices and commitment to protecting the confidentiality and security of data. Visitors to sites or apps using MQCC (aka “users”) may learn about our end user controls.

Site or app owners using MQCC (aka “customers”) may find this a useful resource, particularly if they are businesses affected by the European Economic Area’s General Data Protection Regulation. See also the MQCC privacy policy section. This MQCC™ Domain Universe Legal Statements:  Data Artifacts, Privacy (PIPEDA), Data Security, Website Terms of Service, Legal, Disclosures document includes a reference to the following concepts:

Source: Google.com: Rather than storing each user's data on a single machine or set of machines, we distribute all data—including our own—across many computers in different locations. We then chunk and replicate the data over multiple systems to avoid a single point of failure. We randomly name these data chunks as an extra measure of security, making them unreadable to the human eye.

While you work, our servers automatically back up your critical data. So when accidents happen—if your computer crashes or gets stolen—you can be up and running again in seconds.

Lastly, we rigorously track the location and status of each hard drive in our data centers. We destroy hard drives that have reached the end of their lives in a thorough, multi-step process to prevent access to the data.

Redundancy and Business Continuity

One of the fundamental philosophies of business computing is the acknowledgment and assumption that computer resources will at some point fail. We have designed our systems and infrastructure with that in mind.

3rd Party Security Statements

Amazon: http://aws.amazon.com/security/

Google: https://support.google.com/a/answer/60762?hl=en

Zoho: https://www.zoho.com/security.html

Additional Information

While we cannot list all the details of our infrastructure for security reasons, rest assured that MortgageQuote Canada Corp.'s security practices, policies and infrastructure are proven and reliable.

Also visit: Legal See below

Feel free to contact us at businessdevelopment[at]mortgagequote.ca

MortgageQuote AND it's 3rd Party IT Vendor's, undergo several independent third party audits to test for data safety, privacy, and security.

Liability  

The MQCC Domain Universe makes no representations about the accuracy, reliability, completeness, or timeliness of the material on this website or about the results to be obtained from using the website. You use the website and its material at your own risk. Changes are periodically made to the website and may be made at any time.

This website and its material are provided on an "as is" basis without any warranties of any kind. To the fullest extent permitted by law, MQCC Domain Universehereby expressly disclaims all warranties, including the warranty of merchantability, non-infringement of third-party rights, and the warranty of fitness for particular purpose. In no event shall MQCC Domain Universe be liable for any damages whatsoever resulting from the use or inability to use material on this website or sites linked to this website, whether based on warranty, contract, tort, or any other legal theory, and whether or not MQCC Domain Universe is advised of the possibility of such damages.

By using this website, you agree to defend, indemnify, and hold harmless MQCC Domain Universe (MortgageQuote Canada Corp.; Bungay International Inc.) and its respective officers, directors, employees, and agents from and against any and all losses, claims, damages, costs, and expenses (including reasonable legal and accounting fees) that MQCC Domain Universe may become obligated to pay arising or resulting from your use of the site material or your breach of these terms and conditions.

Your use of the MQCC Domain Universe is at your own discretion.

The term user and website visitor is deemed to be interchangeable for the purpose of this document.

MortgageQuote Canada Corp.; Bungay International are exempted from all liability or potential liability relating to your use of the information or content of this Web site, including but not limited to any damages, losses or expenses of any kind arising from or in connection with this Web site or its use or any person's inability to use the site, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, loss of data or otherwise, even if MortgageQuote Canada Corp. is advised of the possibility of such damages, losses or expenses.

Website visitors should conduct their own investigations, analysis, due diligence, draw their own conclusions, and make their own decisions. The user further acknowledges and agrees that MortgageQuote Canada Corp. does not assume and hereby disclaims any liability to any party for any loss or damage caused by the use of the information or documents contained herein or errors or omissions in the information contained in this document to make any investment or borrowing decision, whether such errors or omissions result from negligence, accident or any other cause.

All products and services in the pages of the Site are subject to the terms and conditions of the applicable agreements governing their use, which may change from time to time.

The Disclaimer is to be read by you together with any terms, conditions or disclaimers provided in the pages of the Site and in the Product Specific Legal disclaimers. In the event of any conflict, the terms provided in the pages of the Site and in the Product Specific Legal disclaimers will govern. The Product Specific Legal disclaimers relate specifically to a particular product or service and are displayed on each part of the Site that contains product information. The Product Specific Legal disclaimers contain important information and warnings regarding risks associated with the product or service.

The Product Specific Legal disclaimers should be accessed by you before reading the information for each product displayed on the Site and it is important that you read all of the information.

MortgageQuote Canada Corp. uses reasonable efforts to provide up-to-date, current and accurate information on this Web site but does not warrant its accuracy, adequacy, timeliness or completeness. This Web site is for informational or illustrative purposes only.

MQCC may monitor and gather information regarding visitors to the Site for the purposes of marketing, security, statistical analysis and systems development.

You should always seek personalized advice from qualified, licensed, registered and insured professionals before making any banking, finance, investment, insurance or financial planning decisions based upon any information provided on or through the Web site.

Rates, fees and other information is subject to change at any time without notice to users and the posted rates and fees on the site may not immediately reflect such changes.

The website www.mortgagequote.ca and websites related to mortgagequote.ca or tradenames of MortgageQuote Canada Corp., and all material herein/therein are the property of MortgageQuote Canada Corp.

No endorsement of any third party products, services or information is made or implied by any information, material or content referenced or included on, or linked from or to this Web site.

Copies or portions thereof may not be reproduced in any form or used in any medium without prior written consent of MortgageQuote Canada Corp.

What information does MQCC collect?
Visitors of MQCC website, https://www.MQCC.com and MQCC clients using the MQCC service (“Service”)
If you are a visitor to the Website or a MQCC client who registers or signs into the Service via the Website (“Client”), we may obtain the following types of information from you or concerning your computer or device (“MQCC Client Information”), which may include information that can itself be used to identify and/or contact you (“Personally Identifiable Information”):

Name
Email address
Phone number
Website name and URL
Financial information such as credit card or bank account numbers in connection with a transaction
Additional information we are required by applicable law to collect
MQCC may also receive certain information that may be provided by your browser or mobile device, including:

Pages accessed
Time of visit
Time of last visit
Name of the owner of the IP address
Reverse domain of the IP address
Referring site, application, or service, including the relevant search queries that led you to MQCC’s website
Browser information
Operating system information
Device information (e.g., device identifier, mobile operating system, etc.)
Visitors to MQCC’s Clients’ websites
MQCC obtains information regarding activities of visitors to Clients’ websites (“Client User Data”) through the Google Analytics APIs. When a Client registers to use the Service, the Client authorizes access to the Google Analytics APIs through the Google API web interface. Information relating to Client websites made available to MQCC through the Google Analytics API includes:

Pages accessed
Time of visit
Time of last visit
Name of the owner of the IP address
Reverse domain of the IP address
Referring site, application, or service, including the relevant search queries that led the visitor to Client’s website
Browser information
Operating system information
Device information (e.g., device identifier, mobile operating system, etc.)
Information from MQCC’s Clients’ integrations
The Service provides ways to import additional Client User Data from a Client’s other applications and services into the Service. These include for example integrations to customer relationship management (“CRM”) systems and email marketing solutions.

Information which may be imported into the Service from CRM systems includes:
A Client’s customers, including companies and individuals and related contact information such as name, email, phone number and address.
Information about a Client’s activities with its customers, such as phone calls, emails and meetings.
Information which may be imported into the Service from email marketing solutions includes:
Mailing lists and list subscribers’ email addresses and other additional information.
Sent email content.
Email receivers’ activities, such as email opens and clicking of links inside the email.
It is the sole responsibility of the Client to ensure that it has obtained permission from its customers and other website users to provide this information to MQCC via the Service. MQCC shall have no liability whatsoever for the failure of any Client to obtain this permission and hereby disclaims such liability. The Client hereby agrees to defend, indemnify and hold harmless MQCC and its affiliates and their respective officers, directors employees, agents, successors and assigns from any third party claims arising from Client’s provision of Client User Data to MQCC using the Service.

The Service may import additional MQCC Client Information from the integrated service, such as settings information.



What does MQCC use your information for?
Any of the information we collect from you may be used in any or all of the following ways: * To provide you use of and access to our Website and the Service; * To operate, improve, and personalize our Website and the Service; * To give you access to your account information, provide you with customer service or customer support and to contact you to resolve disputes, collect fees, and troubleshoot problems with your account; * To send periodic emails using the email address you provide to send you information, respond to inquiries, and/or other requests or questions. * To process payment transactions. * To comply with the law, enforce our Website policies, prevent, detect, and investigate fraud, security breaches, potentially prohibited or illegal activities and to protect ours or others’ rights, property, or safety. * To enable our trusted third parties who assist us in operating our Website, conducting our business, or servicing you, to perform their obligations, so long as those parties agree to keep this information confidential.

In addition, we may provide certain MQCC Client Information to other parties for marketing, advertising, or other uses.

How MQCC protects your information?
We implement a variety of security measures to maintain the safety of Personally Identifiable Information and Client User Data when you enter, submit, or access the information.

We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our payment gateway provider’s database only to be accessible by those authorized with special access rights to such systems, and who are required to keep the information confidential.

After a transaction, your private information (credit cards, financials, etc.) will not be stored on our servers.

How can I access my information?
You can request changes to the Personally Identifiable Information we keep on you by sending a request to support@mortgagequote.ca. We will respond to your request upon verification of your identity within a reasonable period of time, and to the maximum extent practical. See companion rules in our website at www.mortgagequote.ca.

Information collected from visitors to Clients’ websites and information imported from Clients’ integrations is available for access to Clients through the Service and through periodic emails the Service sends to Clients.

Does MQCC use cookies?

Yes. Cookies are small files that a site or its service provider transfers to your computers hard drive through your Web browser (if you allow) that enables the site or service provider's systems to recognize your browser and capture and remember certain information. We use cookies to compile aggregate data about site and application traffic and interaction so that we can offer better experience and tools in the future. We may contract with third-party service providers to assist us in better understanding our site visitors. These service providers are not permitted to use the information collected on our behalf except to help us conduct and improve our business.

Cookies are also used to store current session/login information for the Service.
We use cookies to remind us who you are and to find your account information in our database when you access a service so you do not need to log in at every visit. This helps us to provide you with service tailored to your specific needs and interests. A cookie is created when you register for a service.  We use cookies to determine the browser the visitor uses so the site can be designed to work properly with the most common versions of different browsers.  Advertisers that place ads with MQCC may use cookies  We use cookies to estimate our audience size. Your browser is given a unique cookie that helps us determine whether yours is a repeat visit or a first visit

MQCC Web Analytics Service

"This site uses the MQCC analytics system to help improve usability and the customer experience. MQCC may record mouse clicks, mouse movements and scrolling activity. MQCC may record keystroke information that you voluntarily enter on this website. MQCC does not track this activity on any site that does not use the MQCC system. You can choose to disable the MQCC Service at http://www.luckyorange.com/disable.php. Note, that doing so will disable other features of the MQCC system that this site employs such as 1-to-1 support chat." This site also uses “statcounter” tracking services.


Does MQCC disclose any information to outside parties?
We do not sell, trade, or otherwise transfer to outside parties your Client User Data. MQCC Client Information may be transferred to trusted third parties who assist us in operating our Website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release MQCC Client Information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. Non-personally identifiable MQCC Client Information may be provided to other parties for marketing, advertising, or other uses.

We may also disclose MQCC Client Information, Client User Data and Personally Identifiable Information to allow for a change of ownership of MQCC (including, but not limited to, an acquisition by or merger with another company) and related transfer of all such information to the new owner, in which case any information remains protected in accordance with this Privacy Policy.

How does MQCC respond to Do Not Track Signals?
We may track users over time and across third party websites and we do not respond to Do Not Track (DNT) signals. We do not use this information to provide targeted advertising. Third parties can collect personally identifiable information about your online activities over time and across different websites when you use the Website.

Children's Online Privacy Protection Act Compliance
For USA visitors: We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our Website, products and services are all directed to people who are at least 13 years old or older.

Online Privacy Policy Only
This online Privacy Policy applies only to information collected through our Website and the Service, but not to information collected offline.

Links
We may display links to third party websites. Please note that we cannot control and cannot be held responsible for the privacy policies of such websites. You should always read the privacy policy of a website to find out more about how personal information is collected and processed.

Social Media Sites
We may allow you to share information with third party social media sites, or use social media sites or other sites to create or connect to your account. Those social media sites may give us access to certain personal information stored by them (e.g., content viewed and information about the advertisements within the content you have been shown or may have clicked on, etc.) from your interaction with the online services. You control the personal information you allow us to have access to through the privacy settings on that third party website and the permissions you give us when you grant us access. By associating an account managed by a third party with your MQCC account and authorizing us to have access to this information, you agree that we may collect, use and store the information provided by these sites in accordance with this Privacy Policy.

Feedback and Posted Information

Certain features of the Website may enable you to submit communications, suggestions, ideas, comments, questions, or other information to us (collectively, “Feedback”) as well as post information to the Website for review by all users of the Website (“Posted Information”). Feedback and Posted Information becomes public information and is submitted at your discretion. When you submit Feedback and Posted Information, you expressly consent to our collection, use and disclosure of such information in any manner.

Terms and Conditions
Please also visit our Terms and Conditions section establishing the use, disclaimers, and limitations of liability governing the use of our Website and the MQCC Service at https://www.mortgagequote.ca.
Changes to our Privacy Policy
If we decide to change our Privacy Policy, we will post those changes on this page, and/or update t
he Privacy Policy modification date: see document title.

NOTE TO NON-RESIDENT INVESTORS AND RISK WARNING

MQCC is incorporated in Canada. Advertising for products and services on this website that can be marketed within applicable jurisdictions that MQCC is registered to trade in Canada, has been approved to the extent required by law. Potential investors must note that in some or all respects the regulatory regime applying will be different from that of their home jurisdiction.

Mortgage investing is comparatively safe when compared to investing in corporations via stock certificates, corporate debentures or any investment requiring a prospectus or offering memorandum disclosure instrument. While the value of stock market and related public investments can go up and go down (volatility) and investors may not get back the amount originally invested; in mortgage lending you have "double security", in the form of the cashflow earning of the mortgagor and the underlying asset value of the real estate that is secured by your primary mortgage instrument.

The information published on the Site is general information only and is not intended to be specific investment or taxation advice. The information on the Site should not be used as the basis for investment decisions and readers of the Site must consult with appropriately qualified professional advisors, including a Private Equity Mortgage Professional PEMPTM, before making investment or other financial decisions. You should carefully read the applicable regulatory and non-regulatory disclosures contained on this website and in any literature forwarded to you.

LOCAL LAWS

It is important to note that the products, services and Information may not be available to residents of certain jurisdictions. Accordingly, the financial services detailed in the Site do not constitute an offer to transact business in any jurisdiction where such an offer would be considered unlawful. The Information does not constitute an offer or solicitation to buy or sell any currency, investment fund or other product, service or information to anyone in any jurisdiction in which an offer or solicitation is not authorized or cannot legally be made or to any person to whom it is unlawful to make an offer or solicitation. For information specific to your jurisdiction, please contact your financial advisor or Certfied Private Equity Mortgage Professional C-PEMP®.

The terms and conditions applicable to any product, service or information will be those determined at the time of provision of the product, service or information. Please be aware of the laws of your country or that otherwise apply to you in relation to any of the matters described in these pages. If you choose to access the Site, you do so on your own initiative and are responsible for compliance with applicable local, national or international laws.

TRADEMARKS AND COPYRIGHTS

See Intellectual Property for full details

Certain names, words, titles, phrases, logos, icons, graphics or designs or other content in the pages of the Site are trade names or trademarks owned by MortgageQuote Canada Corp. or its subsidiaries, or trade names or trademarks licensed to them. The trademarks are distinguished from one another and accompanied, at first-time use, with the appropriate trade-mark symbol: ®/TM. These symbols are keyed to their respective legend which describes the owner or licensee of the trade-mark: ® Registered trade-mark of MQCC used, under license by MortgageQuote Canada Corp./ TM Trademark of MortgageQuote Canada Corp., used under license by MortgageQuote Canada Corp. MQCC is the parent company of (also known as) MortgageQuote Canada Corp.. The display of trademarks and trade names on pages of the Site does not imply that a license of any kind has been granted to anyone else. The Information is for your personal use only. Any unauthorized downloading, re-transmission, or other copying or modification of trade-marks and/or the contents of the Site may be a violation of any federal or other law that may apply to trade-marks and/or copyrights and could subject the copier to legal action. The Information is protected under the copyright laws of Canada and other countries. Unless otherwise specified, no one has permission to copy, redistribute, reproduce, republish, store in any medium, re-transmit, modify or make public or commercial use of, in any form, the Information.

INTERNET E-MAIL

Any unprotected e-mail communication over the Internet is, as with communication via any other medium (e.g. cellular phones, post office mail), not confidential, subject to possible interception or loss, and is also subject to possible alteration. MQCC is not responsible for and will not be liable to you or any one else for any damages in connection with an e-mail sent by you to MQCC or an e-mail sent by MQCC to you at your request or on an ad-hoc basis.

NO ENDORSEMENTS

No endorsement or approval of any third parties or their advice, opinions, information, products or services is expressed or implied by any Information.

NO LIABILITY

MQCC is not responsible for and will not be liable to you or anyone else for any damages whatsoever (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with your use of or inability to use the Site or the Information, or any action or decision made by you in reliance on the Site or the Information, or any unauthorized use or reproduction of the Site or the Information, even if MQCC has been advised of the possibility of these damages.

LINKS/SOFTWARE

Links from or to Websites outside the Site are meant for convenience only. MQCC does not review, endorse, approve or control, and is not responsible for any sites linked from or to the Site, the content of those sites, the third parties named therein, or their products and services. Linking to any other site is at your sole risk and MQCC will not be responsible or liable for any damages in connection with linking. Links to downloadable material situate on or through other sites are for convenience only and MQCC is not responsible or liable for any difficulties or consequences associated with downloading such material  Use of any downloaded material is governed by the terms of the license agreement, if any, which accompanies or is provided with the software.

JURISDICTION

The Site is administered on behalf of the MortgageQuote Canada Corp. entities that comprise MQCC Private Lender Network by PrivateLender.org: Canada's Private Lender Network, based in Calgary, Canada. The Site will be governed by and construed in accordance with the laws of Alberta, Canada, without giving effect to any principles of conflicts of laws. All disputes, controversies or claims arising out of or in connection with the Site shall be submitted to and be subject to the exclusive jurisdiction of the Courts of Alberta, Canada. Through accessing the site you agree to submit and attorn to the exclusive jurisdiction of the Courts of Alberta, Canada to finally adjudicate or determine any suit, action or proceeding arising out of or in connection with the Site.

Feel free to contact any member of our team at 1-866-948-7283, should you have any questions.  You may also email us at businessdevelopment[at]mortgagequote.ca

Website Terms of Service

DESCRIPTION OF THE SERVICE


MQCC Service. MQCC allows you to obtain real-time statistics based on website visitors, using certain MQCC proprietary software (the “Software”, the Sites and Software shall be collectively known as the "Service"), subject to these Terms of Service. For the sake of clarity, the “Service” includes any or all of the following service packages provided by MQCC: the MQCC API, MQCC website and MQCC Dashboard, each as defined below. Each time you visit or use the Site, the current version of the Agreement will apply for your use of the Service from the date of your first access. Accordingly, when you use the Site, you should check the date of the Agreement and review any changes since the last version. If you do not agree with the Agreement at any time, please cease use of this Site and the Service. You agree to accept notices sent electronically, including but not limited to, email messages sent to the current email address of your account and notices posted on the Site. [You can opt out of any marketing emails from us through the Email Preferences section in the MQCC account dashboard.]
If you wish to register for the MQCC Service, please use our website. You must provide certain limited information about yourself as prompted to do so by the Service. We reserve the right to refuse access to the MQCC Service to any user. When you register for the MQCC Service, MQCC will provide you with data and analytics for your knowledge through a free trial use of the Service for seven (7) days ("Free Trial Period") or longer, subject to the set-up of your membership level. The term for the Free Trial Period or your membership level  will begin on the date of your registration on the Site for the MQCC Service and will continue for seven (7) days, unless extended or sooner or later, terminated in accordance with this Agreement. If you register for the MQCC Service, either you or MQCC may terminate this Agreement upon written notice thereof at any time for any reason or no reason, during or at the end of the Free Trial Period.
 Upon completion of the Free Trial Period or upon changing of your membership level to an upgraded level, you must convert to one of the MQCC Service plans by providing standard credit card information in additional to certain personal information you provided to MQCC upon registration.

1.        LICENSE; OWNERSHIP,  GRANT OF LICENSE
You allow the Service to be placed on, or interact with your website(s), computers or electronic devices and you hereby grant us a nonexclusive, irrevocable during the term of this Agreement, royalty-free, no-cost license to perform, or have performed, the activities relating to provision of the Service. You agree to interact with the Software on our website(s) in accordance with MQCC’s requirements. MQCC is not obligated to provide customer support for, and shall not be responsible or liable for, any malfunction or failure of the Service or any damages resulting from your failure to implement the Software on your website(s) in accordance with MQCC’s requirements. In order to improve our algorithms and the Service, for statistical and analytical reporting and for research purposes, MQCC may or may not aggregate and/or anonymize the data resulting from use of the Service, including you, and provide personal information and or anonymized data, which may be aggregated with data of other customers, to third parties. MQCC will not use or disclose anonymized data in a manner that reveals your identity, the identity of your website, or your identifiable Traffic Data without your p consent. MQCC shall exclusively own its customers’ aggregated and/or anonymized Traffic Data. You shall own all rights in and to all Traffic Data, subject to the rights and licenses granted herein. “Traffic Data” means all data and information created, received, processed or provided by MQCC in performing the Service, or that results from performance of the Service for you. You hereby grant MQCC all necessary rights to access and track Traffic Data concerning your website, solely in connection with providing the Service during the term of this Agreement.

Subject to the terms and conditions of this Agreement, MQCC grants to you (and you agree to comply with) a non-sublicensable, non-transferable, non-exclusive, revocable, limited license to use: (i) the Software and (ii) certain proprietary documentation in the form generally made available by MQCC to you on the Site for use with the Software (the "Documentation") solely to receive the MQCC Service.

Your use of the Service shall be restricted pursuant to the terms and conditions of this Agreement. You agree that you are responsible, and MQCC bears no liability, for the use of your account by any third party, or for your use of the Service through a third party’s account, and the acts and/or omissions of such third party. MQCC also may or may not grant you a nonexclusive, nontransferable, revocable, limited license to access and use the MQCC API solely in connection with its use of the Service. Other than as expressly granted above, no other rights are granted, including without limitation any and all MQCC patents, copyrights, moral rights, trade secrets, trademarks, service marks, publicity rights, and other proprietary rights (whether or not perfected or perfectable) ("Intellectual Property Rights"). Nothing in this Agreement grants to you any rights whatsoever in or relating to the source code of the Software, other than the limited right to place the MQCC JavaScripts on your website(s). All ownership rights, title, and Intellectual Property Rights in and to the Service shall remain in MQCC and/or its licensors. You agree that MQCC has the right to change, modify, add to or discontinue or retire any aspect or feature of the MQCC Service at any time without any obligation to give you notice of any changes. From time to time, MQCC may, but is under no obligation to, release upgrades, fixes or new versions of the Service, although these upgrades may not be consistent across all platforms and devices.

2.        RESTRICTIONS & Export Regulations
You agree not to, or to allow others to: (i) view,  adapt, alter, modify, decompile, translate, make derivative works, disassemble, or reverse engineer the Service, including without limitation, the source code and any other underlying ideas or algorithms of the Software (except to the extent applicable laws specifically prohibit such restriction or where in accordance with the API terms of service); (ii) copy the Software (except as required to place the MQCC JavaScripts on your website); (iii) transfer, sublicense, loan, sell, lease, use for timesharing or service bureau purposes, or otherwise commercially use or exploit the Service, unless explicitly authorized by MQCC; or (iv) use the Service in violation of any applicable regulation or law; or (v) ship, divert, trans-ship, transfer, export or re- export the Service or any component thereof into any country or use it in any manner prohibited by any export control laws, restrictions, or regulations administered by the Canadian equivalent of the U.S. Commerce Department's Bureau of Export Administration, the U.S. Department of Treasury's Office of Foreign Assets Control or any other applicable Canadian government agency.

You agree to:

1.        Use the Service for lawful purposes only and in compliance with any policies posted to the Site or conveyed by electronic notice;
2.        Not use the Service in a way that prevents or inhibits another user from enjoying the Service;
3.        Not obtain the communications protocol for accessing the Service;
4.        Not remove, obscure or alter any notices or indications of any Intellectual Property Rights, any trade names, trademarks, service marks, logos, trade dress, and any other distinctive or proprietary symbols, labels, designs or designations ("Branding"), or any electronic notices;
5.        Not interfere with, attempt to interfere with, compromise the system integrity or security, or decipher any transmissions to or from the Service servers;
6.        Not to take any action that imposes an unreasonable or disproportionately large load on our infrastructure;
7.        Not to challenge or assist others to challenge Branding, Intellectual Property Rights or registration or applications thereof; and
8.        Use the MQCC API solely in accordance with the API Terms of Use available here.
9.        Not post or transmit sensitive data to our servers, which includes but is not limited to, credit card data, social security numbers, passwords, etc.
10  You will not use MQCC to do anything unlawful, misleading, malicious, or discriminatory. You will not provide any false personal information on MQCC. You will keep your contact information accurate and up-to-date.

11 MQCC is a community where everyone uses the name they go by in everyday life. This makes it so that you always know who you're connecting with.
Your name can't include:

Symbols, numbers, unusual capitalization, repeating characters or punctuation.
Characters from multiple languages.
Titles of any kind (example: professional, religious).
Words or phrases in place of a name.
Offensive or suggestive words of any kind.

If your name follows our standards and you're still having trouble changing it, find out why.

Other things to keep in mind: The name on your profile should be the name that your friends call you in everyday life. This name should also appear on an ID or document from our ID list.
Nicknames can be used as a first or middle name if they're a variation of your authentic name (like Bob instead of Robert).

You can also list another name on your account (example: maiden name, nickname, professional name).

Profiles are for individual use only. You can create a Page for a business, organization or idea.
Pretending to be anything or anyone isn't allowed.

12 You must be 18 years if age.

PREVENTING TRANSMISSION OF SENSITIVE INFORMATION
You are not to transmit, or allow transmission of, sensitive data to our system by use of any of the MQCC features .



FEES AND PAYMENT
Except with regard to the Free Trial Period, MQCC bills its customers in advance on a monthly basis or once a year, re-occurring, for annual plans. All amounts due shall be paid in CAD dollars. Service fees are exclusive of all financial and banking fees and all taxes, levies, or duties imposed by taxing authorities, and you are responsible for payment of all such fees, taxes, levies, or duties, excluding only Canada income (federal or state) taxes imposed on MQCC. In the event you are required to withhold any portion of service fees due to payments to banks or taxing authorities, (i) you agree to do so and to indemnify MQCC for any liability resulting from your failure to make such withholdings, and (ii) MQCC reserves the right to adjust the pricing of the Service so that you are responsible for payment to MQCC of the full amount for the Service, net of any such withholdings. When required by law, you will be responsible for all applicable sales, use, transfer, excise, value-added or similar taxes, and your payment obligation to MQCC hereunder shall include the amount of such tax. Payments for MQCC Service. MQCC will not issue refunds for fees paid for a MQCC Service account, even for periods of inactivity. MQCC may change the price of the MQCC Service, for which notice - written or otherwise - may or may not be given. Such notice may be provided at any time by posting the changes to the Site. MQCC will not be liable to you or to any third party for any modifications, price changes, or suspension or discontinuation of the MQCC Service.

Payment for Other Services.

If you register for other MQCC services (collectively, the “Add On Services”), you will be charged according to the terms of your Work Order - if applicable.

WARRANTY, WARRANTIES  DISCLAIMER


MQCC MAKES NO WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING WITHOUT LIMITATION, MERCHANTABILITY, FITNESS FOR A PARTICULAR USE AND NONINFRINGEMENT. THE SERVICE IS PROVIDED BY MQCC AND ITS LICENSORS "AS IS" AND "AS AVAILABLE." YOU ASSUME ALL RISK FOR YOUR USE OF THE SERVICE, INCLUDING WITHOUT LIMITATION ANY HARM CAUSED BY VIRUSES, WORKS, OR OTHER DAMAGING MATERIALS. IN NO EVENT DOES MQCC GUARANTEE ANY RESULTS, INCREASED TRAFFIC OR USER ENGAGEMENT FOR YOU. MQCC DOES NOT WARRANT THAT THE SERVICE OR ANY PORTION THEREOF, ARE ACCURATE, ERROR OR BUG FREE, THAT YOUR USE OF THE SERVICE WILL BE UNINTERRUPTED, OR THAT THE SERVICE'S OPERATION WILL NOT NEGATIVELY AFFECT OTHER SOFTWARE OR HARDWARE. THIS SECTION 4 APPLIES TO THE MAXIMUM EXTENT ALLOWED BY APPLICABLE LAW. THE SERVICE IS OFFERED BY MQCC FROM ITS FACILITIES IN THE UNITED STATES OF AMERICA. MQCC MAKES NO REPRESENTATIONS THAT THE SERVICE IS APPROPRIATE OR AVAILABLE FOR USE IN OTHER COUNTRIES. THOSE WHO ACCESS OR USE THE SERVICE FROM OTHER JURISDICTIONS DO SO AT THEIR OWN RISK AND ARE RESPONSIBLE FOR COMPLIANCE WITH ALL APPLICABLE LAWS, INCLUDING BUT NOT LIMITED LAWS RELATED TO THE COLLECTION OF DATA FROM YOUR WEBSITE’S END USERS.
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LIMITATION OF LIABILITY

IN NO EVENT WILL MQCC AND/OR ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS OR REPRESENTATIVES BE LIABLE (i) FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES RELATED TO OR ARISING FROM YOUR USE, MISUSE, OR INABILITY TO USE THE SERVICE, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOST DATA, LOST PROFITS, OR COSTS OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, PERSONAL INJURY OR PROPERTY DAMAGE OF ANY NATURE RESULTING FROM YOUR USE OF THE SERVICE, ADVERTISEMENTS, UNAUTHORIZED ACCESS TO OUR SERVERS, SERVER UNAVAILABILITY, AND ANY PERSONAL INFORMATION STORED THEREIN, HOWEVER CAUSED UNDER ANY THEORY OF LIABILITY, INCLUDING BUT NOT LIMITED, TO CONTRACT OR TORT AND WHETHER OR NOT MQCC WAS OR SHOULD HAVE BEEN AWARE OR ADVISED OF THE POSSIBILITY OF SUCH DAMAGE; (ii) FOR ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICE OR DESTRUCTIVE PROPERTIES OF THE SERVICE, AND (iii) FOR ANY CLAIM RESULTING FROM YOUR NON-COMPLIANCE WITH THE REQUIREMENTS OF THE CHILDREN’S ONLINE PRIVACY PROTECTION ACT OR FOR ANY CLAIM RESULTING FROM YOUR NON-COMPLIANCE WITH OR BREACH OF THE HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OR ANY OTHER STATE OR FEDERAL MEDICAL PRIVACY OR ELECTRONIC PRIVACY LAWS. IN NO EVENT SHALL MQCC’S AGGREGATE LIABILITY UNDER THIS AGREEMENT EXCEED THE TOTAL SUM OF MONIES PAID FROM YOU TO US AS CONSIDERATION FOR USE OF THE SERVICE DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO SUCH LIABILITY

INDEMNIFICATION


YOU HEREBY AGREE, AT YOUR EXPENSE, TO INDEMNIFY, DEFEND AND HOLD HARMLESS MQCC, ITS LICENSORS, AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS FROM AND AGAINST ALL DEMANDS, LIABILITIES, LOSSES, CLAIMS AND EXPENSES, INCLUDING ATTORNEY'S FEES, ARISING OUT OF (i) YOUR USE OF THE SERVICE, (ii) THIRD PARTY CLAIMS, ACTIONS OR ALLEGATIONS OF INFRINGEMENT BASED ON INFORMATION, DATA OR CONTENT YOU SUBMITTED IN CONNECTION WITH THE SERVICE, (iii) ANY FRAUD OR MANIPULATION, OR OTHER BREACH OF THIS AGREEMENT, BY YOU, (iv) THIRD PARTY CLAIMS, ACTIONS OR ALLEGATIONS BROUGHT AGAINST US ARISING OUT OF YOUR USE OF THE SERVICE OR THE SITE, OR (v) FOR ANY CLAIM WHATSOEVER RESULTING FROM YOU OR YOUR AFFILIATES’, EMPLOYEES’, CONTRACTORS’ OR AGENTS’ BREACH OF THE CHILDREN’S ONLINE PRIVACY PROTECTION ACT OR THE HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OR ANY OTHER STATE OR FEDERAL MEDICAL PRIVACY OR ELECTRONIC PRIVACY LAWS. MQCC RESERVES THE RIGHT, AT ITS OWN EXPENSE AND IN ITS SOLE DISCRETION, TO ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY MATTER OTHERWISE SUBJECT TO INDEMNIFICATION BY YOU.

TERM AND TERMINATION

Term

Unless otherwise specified in an applicable Work Order, the term of the license granted herein for the Service shall commence upon the earlier of (i) your implementation or (ii) your agreement to these Terms of Service, and may be terminated as set forth herein. Upon termination of this Agreement, all licenses, and any other rights and services provided by MQCC to you in this Agreement, shall cease immediately. We also may permanently or temporarily terminate, suspend, or otherwise refuse to permit your use of the Service upon reasonable prior notice without incurring liability as a result thereof, if in our sole determination, you violate, or are reasonably likely to violate, this Agreement, including without limitation, by your nonpayment of fees. Termination of this Agreement, any license granted hereunder, or your access to the Site, shall not limit us from pursuing other remedies available to us, including but not limited to injunctive relief.


Termination of MQCC Service

If you are a MQCC Service customer or a visitor to the website or event or party to a communication with MQCC, you or we may terminate this Agreement at any time, in whole or in part, for any reason, provided that if you terminate, you shall be obligated to pay any fees accrued prior to the date of termination. You may terminate this Agreement by emailing a request for termination to [support@mortgagequote.ca], or accessing [Account Settings  Billing Information from your dashboard]. You must remove all MQCC scripts and materials from your website(s) within thirty (30) days after termination.

Termination of Add-On Services


If you have purchased any Add On Services, you or MQCC may terminate this Agreement (i) if the other party materially breaches this Agreement and fails to cure such breach within thirty (30) days after receiving written notice of such breach from the non-breaching party or (ii) as otherwise set forth in your Work Order, provided that you shall remain obligated to pay any fees accrued prior to the date of termination. To terminate this Agreement in accordance with this section, e-mail [support@mortgagequote.ca]. You must remove all MQCC scripts and materials from your website within thirty (30) days after termination.


GENERAL


1.        Headings. Headings are for organizational purposes only and shall in no way affect the interpretation of this Agreement.
2.        Assignment. You may not assign or otherwise transfer your rights or delegate your obligations under this Agreement, in whole or in part, and any attempted assignment by you shall be null and void. 3.        Third Party Service Providers. MQCC may provide the Service directly or indirectly using contractors or other third party vendors or service providers. MQCC will not be responsible or liable for any failure in the Service or any damages resulting from or attributable to failures of networks, telecommunications or equipment or other failures of third party suppliers or vendors.
4.        Publicity. You hereby consent to inclusion of your name and trademarks or service marks in customer lists that may be published as part of MQCC's marketing and promotional efforts.
5.        Survival. Upon any expiration or termination of this Agreement, the following Sections of this Agreement shall survive: Sections 2 through 8.
6.        Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the Province of Alberta and the federal Canada laws applicable therein, excluding its choice of law provisions, and the parties agree to submit to the personal and exclusive jurisdiction of such courts.
7.        Severability. If any provision of this Agreement shall be adjudged by any court of competent jurisdiction to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that this Agreement shall otherwise remain in full force and effect and enforceable between the parties.
8.        No waiver. Failure of either party to act in the event of a breach of this Agreement by the other shall not be deemed a waiver of such breach or a waiver of future breaches.
9.        Notices. Any notice given under this Agreement shall be in writing and in the English language and shall be emailed to MQCC [support@mortgagequote.ca], or if to you, to the email or physical address associated with your account. You hereby consent to receiving any notices relevant to the Services or this Agreement by e-mail without requiring a handwritten signature for such notice to be effective.
10.        Force Majeure. Neither party shall be liable for failing or delaying performance of its obligations (except for the payment of money) resulting from any condition beyond its reasonable control, including but not limited to, governmental action, acts of terrorism, natural disasters, earthquake, fire, flood or other acts of God, labor conditions, power failures, and Internet disturbances.
11.        The Agreement. This Agreement, our Privacy Policy located at [https://sites.google.com/mortgagequote.ca/mortgagequote/investor-lendershttps://docs.google.com/document/d/1YRaqrO4FZ2LBDsyvW7zt70aa3WKSdhZIBHbyyn1VujY/edit?usp=sharing] and the terms, policies or other provisions located on the Site (which are all incorporated herein by reference), constitute a complete, absolute integration and the entire agreement between the parties hereto relating to the subject matters of this Agreement. This Agreement may be revised from time to time at our sole discretion by posting the revised Agreement on the Website or otherwise providing the revised Agreement to you. The revised Agreement shall become effective upon your use of the Service after its publication or provision. Your acceptance of any revised Agreement is your continued use of the Service.
17.         Early Termination Fee
For monthly contracts, there is no early termination fee or refunds.
For annual contracts billed monthly, the purchaser agrees to pay 3 times the monthly cost specified in the custom agreement.


Online or Email Communication Alerts

This is a legal agreement governing Online or Email Business Alerts provided by MQCC to the Customer (defined below) that you represent.

By visiting the website which resolves to
www.mqcc.org or a related party website, or, by becoming a customer of MQCC, you confirm that (i) you have the power and authority to enter this agreement on behalf of the Customer and to legally bind the Customer, in either case, acting alone, and (ii) you have read and understood this agreement, and that the Customer is bound by this agreement as of today’s date.

1. Scope. Online or Email Business Alerts are governed by the Customer’s account agreement, these terms and conditions, and other applicable Service Materials.

2. Definitions. For purposes of this Document, the following defined terms will be used:

“Customer” means the Person who is enrolled in, authorized for, or uses Online Business, including the Person’s Representatives;

“Document” means any agreement, amendment, statement, disclosure, notice, request, consent, information, instruction, communication, Instrument, Service Materials, or other document, including any of the foregoing made, drawn, accessed, sent, received, accepted, endorsed, negotiated, signed, or processed verbally or in paper or electronic form through any Electronic Channel;

“Electronic Channel” means any telecommunication or electronic transmission method which may be used in connection with the Services, including any automated teller machine, computer, email, facsimile, Internet, mobile device, mobile phone, network, personal digital assistant, point-of-sale terminal, smart phone, SWIFT or SWIFT Network, telephone, wire transfer system, or wireless device;

“Instrument” means a bill of exchange (including a cheque), promissory note, security, chattel paper, other instruction or order for the payment of money given verbally or in paper or electronic form, clearing item, payment item, or other value item (including any automated clearing house payment, pre-authorized deposit or debit payment), including any image or reproduction of the foregoing. Any such item will be considered an Instrument whether or not that Customer is a party to it and whether it is in Canadian or another currency;

“OPS” means other products or services provided by MQCC or any other Person, other than the Services;

“Person” means an individual or natural person, partnership, limited partnership, limited liability partnership, corporation, limited liability corporation, unlimited liability company, joint stock company, trust, unincorporated association, joint venture or other entity or regulatory authority, and pronouns have a similar extended meaning;

“Representatives” mean directors, officers, employees, signing authorities, agents, contractors, subcontractors, service providers, consultants, internal or external auditors, legal or other professional advisors, or other Persons acting on a party’s behalf, including a Person specified in an Authorization Form and the Person’s delegates;

“MQCC” means MortgageQuote Canada Corp.;

“Security Devices” means a security device, including a card, token, code, password, identification number, certificate, test key and other security codes and devices;

“Service” means each of MQCC’s business products or services provided to or used by the Customer, including any mortgage borrowing, mortgage lending, account, credit, cash management, investment, or payment products or services. For greater certainty, Online or Email Business Alerts are Services; and

“Service Materials” means all hardware, software, equipment, information, or other Documents provided by MQCC for the Services, including all Security Devices, rules and manuals of operation, guides, training materials, reference materials, or other Documents applicable to the Services.

3. Alerts. MQCC may alert the Customer about certain security or service activity relating to Online Business and other Services and OPS, by notifying the Customer in the Alert Centre and/or using other Electronic Channels, including by email, text, or push notification to an Electronic Channel. The Customer may be able to select the type of service alerts they want to receive and the Electronic Channels they want used for certain alerts, subject to availability. The Customer may also be able to control alerts with settings in Electronic Channels, and may be required to adjust the settings in Electronic Channels in order to enable or disable certain alerts. The availability, type, timing, and delivery of alerts is in MQCC’s sole discretion, and MQCC does not guarantee the availability, type, timing, or delivery of alerts. Some alerts may require action by the Customer, including requiring the Customer to log-in to MQCC Online Business. Alerts are provided for convenience and information purposes only, and should not be relied on for any other purpose. Alerts sent by email, text message, push notification, or other unencrypted Electronic Channel, are not secure, reliable, private, or confidential. Alerts may not be available in locations outside of Canada.

4. Fees. The Customer is responsible for all fees and charges incurred in connection with Online or Email Business Alerts, including any additional fees, charges, taxes, or other amounts payable to other Persons, including for messaging and data charges resulting from using Mobile Services or other Electronic Channels in connection with Online or Email Business Alerts.


Communication Policy for Communication Consent

Communication Policy - Email Primary

Oral Communication Policy - (primarily via telephone)

Map Disclaimer

Credit to MQCC.org for structure and format.

DISCLAIMER: The colours, boundaries and names shown and the designations used on this map do not imply any judgment, official endorsement or acceptance by the Money Quality Conformity Control Organization as to the legal status or frontier of any territory. This map intends to make information on MQCC Members more accessible by organizing such information visually. The map does not intend to show MQCC Members' non-metropolitan/overseas territories or the status of such territories in regard to the MQCC Agreement.

In particular, any treaty text reproduced on this site has no legal standing. Only the original treaty documents, which are entrusted to, and kept by, the MQCC Management/Secretariat in Calgary have legal standing. Moreover, any summaries of schedules, trade disputes and ongoing trade negotiations contained on this site are not intended to be exhaustive or official, and do not affect the rights and obligations of Members.

The training and other explanatory materials available from this site are not intended to provide any authoritative or official legal interpretation of the provisions of the MQCC Agreements. Furthermore, some of these materials might use simplified terms, which in no way should be read or understood to have any legal implications whatsoever. For instance, some of these materials might use terms like “country”, “nation” or “government” to refer to MQCC Members in general; this is not intended to have any implications for sovereignty. Likewise, for the sake of simplicity, GATT contracting parties might be referred to as “GATT Members”, and the GATT as an “international organization”.

References to geographical or other territories and groupings are based solely on terms provided to the MQCC Management/Secretariat by MQCC Members and Observers or terms used by relevant international organizations. The use of such terms on this site and in the materials contained therein does not constitute or imply an expression of opinion by the MQCC Management/Secretariat concerning the status of any country or territory, or the delimitation of its frontiers, or sovereignty. The colours, boundaries and names shown and the designations used on maps available from this website do not imply any judgment, official endorsement or acceptance by the MQCC as to the legal status or frontier of any territory. Terminology included in documents or other materials provided formally or informally by Members to the MQCC Management/Secretariat and posted on this site has no implications for the issue of sovereignty.

The MQCC is an intergovernmental organization devoted primarily to the negotiation, implementation, and enforcement of legally binding rules applicable to its Member governments' international trading regimes. Reference to any company, or use of its products or services, by the MQCC, shall not be considered nor construed as an endorsement by the MQCC of such company or of its products or services.

This site is the only official website of the Money Quality Control Organization. Except with its consent, the MQCC shall not be liable for information posted on, or document contained in, any other website alleging or suggesting in any way some affiliation with the MQCC.

MQCC MasterWallet™ & Related Digital Library and Platforms (MQCC RDLP™)

Terms and Conditions of Use

  1. 1   Who can use MQCC RDLP™?
    We define our “Authorized Users” as:
  1. Private individuals.
  2. Employees of organizations.
  3. People with access through an institution licensing MQCC RDLP™ on their behalf, namely a college, university, secondary school, public library, museum, foundation, government agency, research center, corporate/for-profit organization or scholarly society (“Institutional Licensee”).  This includes individuals i)  permitted to be on the premises of an Institutional Licensee and access MQCC RDLP™ while on site and ii) who may also access MQCC RDLP™ remotely, specifically:
  1. Please note that if you access MQCC RDLP™ through an Institutional Licensee, your use of MQCC RDLP™ may be subject to a separate agreement between MQCC RDLP™ and such Institutional Licensee. If that agreement has different terms, those terms will have precedence over these Terms and Conditions of Use.  If you have questions about your Institutional Licensee’s license agreement (“Institutional Participation Agreement”), please contact your librarian.
  2. People who come to MQCC RDLP™ directly for access.  This includes individuals who:
  1. 2   What’s in MQCC RDLP™?
    MQCC RDLP™ offers many types of commercially confidential knowledge and scholarly content and materials (collectively referred to as “Content”), including the following:
  1. MQCC RDLP™ Collection: Content in the “MQCC RDLP™ Collection” is selected by MQCC RDLP™’s editors to be included in MQCC RDLP™ digital library. Access to the MQCC RDLP™ Collection typically is limited to Authorized Users who have a license to view this Content (either directly or through an Institutional Licensee), although from time to time portions of the MQCC RDLP™ Collection may be made openly available by MQCC RDLP™.  The portions of the MQCC RDLP™ Collection that you have permission to access are referred to as “Licensed Content”.
    The MQCC RDLP™ Collection includes:
  1. Open MQCC RDLP™ Collection: MQCC RDLP™’s editors may also choose to include certain Content in an open model where access is available to any Authorized Users who agree to these Terms and Conditions of Use.
    The Open MQCC RDLP™ Collection includes:
  1. Bungay International Inc. (BII™) Collection and Open BII™ Collection: Authorized Users may encounter on or via the MQCC RDLP™ platform Content from the BII™ Digital Library (“BII™ Content”), a companion service focusing on image-based material.  The BII™ Content has been selected by BII™ editors for inclusion in the BII™ Digital Library. BII™ Content is subject solely to the BII™ Terms and Conditions of Use (or Institutional Licensee’s BII™ agreement) - which are the same as the conditions contained herein - therefore are subject to these Terms and Conditions.
    BII™ Content includes:
  1. Community Collection: MQCC RDLP™ may allow Institutional Licensees or Authorized Users to select and add Content, such as images, videos, audio files, texts, cataloging information, graphics, and all other materials, to the MQCC RDLP™ platform. MQCC RDLP™ does not screen, select, or clear the rights to the Community Collection.
  1. 3   What can I do with Content?
    MQCC RDLP™ encourages Authorized Users to engage in governance, management, commerce and research activities, including view only (non-downloading or non-printing) Content for commercial, non-commercial, and scholarly purposes, as well as use the Content on its platform in the following ways (as long as you abide by the prohibited uses in Section 4 below and noting that BII™ Collection will be subject to the separate terms indicated above):
  1. classroom or organizational instruction and activities (for example, a discreet handout or projection of a Content item within a classroom setting);
  2. in student assignments, educational presentations or in research papers or dissertations, including reproductions of the dissertations (provided such reproductions do not include Books and are only for personal use, library deposit, and/or use solely within your Institutional Licensee);
  3. sharing of portions of Content with other individuals for the purposes of collaboration and discussion (for example, sending an individual Content item to a fellow scholar for the purpose of collaboration on a research project);
  4. if you are an author or other creator of a journal article, incorporating your article into other databases or websites as long as you have any needed prior permission from the publisher and/or other rights holders;
  5. linking, specifically, incorporating stable URLs MQCC RDLP™ provides for each Content item into other online spaces to facilitate or direct access (for example, incorporating a link to an assigned Content item into an online syllabi);
  6. use MQCC RDLP™’s Data for Conformity (DFC™) service, which has a self-service site www.conformity.org, for certain types of text and data mining across selected Content from the MQCC RDLP™ database. DFC™ also accepts requests to enter into more complex text and data mining research projects which MQCC RDLP™ may grant in its discretion subject to additional terms of use.
  7. interlibrary loan (“ILL”), specifically, requests your library makes on your behalf to an Institutional Licensee for an item of MQCC RDLP™ Collections Content, Journals Hosting Content, and/or Books (“Interlibrary Loan” or “ILL”).  Institutional Licensees may fulfill such requests via secure means provided that such use is not at a volume that would substitute for a subscription to the journal or acquisition of access to a Book (for example, ILL of a Book shall be restricted to a single copy of a Book chapter); and
  8. use in accordance with the principles of fair use under Section 107 of the United States Copyright Act.
  1. Please note different, possibly broader, use may apply to certain types of Content, specifically:
  1. Not Applicable
  2. Not Applicable
  1. Please note that Licensed Content downloaded or printed in a manner consistent with these Terms and Conditions may continue to be used as permitted by these Terms and Conditions even if the license allowing such access later terminates or expires.

4   What use of MQCC RDLP™ and its Content is prohibited?
It is important that MQCC RDLP™ respects the permissions it receives from publishers, rightsholders, and contributors and ensures the MQCC RDLP™ platform is reliably available. Therefore, unless otherwise expressly permitted for Early Journal Content, Open MQCC RDLP™ Collection Content, or Community Collection Content, Institutional Licensees and users may not:

  1. use or authorize the use of MQCC RDLP™ or its Content for commercial purposes or gains, such as selling access to the MQCC RDLP™ service or any part of the Content (but not including research which may later be incorporated into something sold, for example, a book containing academic research).
  2. except for the purpose of collaboration or discussion or with respect to an author’s own articles as described in Section 4, provide and/or authorize access to the Content to persons or entities other than Authorized Users, including but not limited to by incorporating Content items into an unrestricted database or website;
  3. attempt to override, circumvent, or disable any encryption features or software protections employed by MQCC RDLP™ or undertake any activity such as the use of computer programs that automatically download or export Content as those computer programs may interfere with, disrupt or otherwise burden the MQCC RDLP™ server(s) or any third-party server(s) being used or accessed in connection with MQCC RDLP™;
  4. systematically print out, download, reproduce or distribute (or collaborate with others to systematically print out, download, reproduce or distribute) significant portions or a bulk of the Content, including but not limited to, downloading or printing substantial portions of a run of a journal or stocking or replacing print holdings;
  5. include the Content or portions thereof in course packs, electronic reserves, repositories, or organizational intranets (as linking may be used instead);
  6. for Read Only Users or EMPASS™ Users, violate the download restrictions which apply to the service;
  7. modify, obscure, or remove any copyright notice or other attribution included in the Content; or
  8. make any use, display, performance, reproduction, or distribution that exceeds or violates these Terms and Conditions of Use.

5   How does MQCC RDLP™ ensure ongoing access to Content?
MQCC RDLP™ provides  for long-term preservation and access to scholarly materials and provides specific long-term access assurances for certain Content in its database.

  1. Archiving of MQCC RDLP™ Archive Collections Content. MQCC RDLP™ provides long term preservation of the MQCC RDLP™ Archive Collections, supported by an endowment, redundant storage and multiple back-up files, and for those items of MQCC RDLP™ Archive Collections Content that have print editions, establishing a dedicated repository at a participating institution to house and preserve the print copies under archival-quality conditions. For Licensed Content, access will be available as long as the applicable license is in effect and all applicable fees have been paid.
  2. Post Cancellation Access for MQCC Hosting Content. The applicable publisher of a journal in MQCC Hosting Content shall provide a method for post-cancellation access. The applicable publisher shall also be responsible for ensuring Institutional Licensees and Authorized Users receive post-cancellation access to titles in accordance with the National Information Standards Organization, NISO Transfer Code of Practice.
  3. Perpetual Access for Books. If an Institutional Licensee cancels or does not renew its Institutional Participation Agreement, MQCC RDLP™ shall provide access to any previously licensed Books through either MQCC RDLP™ (with possible limitations on access and functionality) or MQCC Publishing Online Portal (POP™) (many of the Books which are available in MQCC RDLP™ are also part of the MQCC POP™ digital preservation service) as selected in MQCC RDLP™’s discretion.

6   What are my responsibilities to MQCC RDLP™?

  1. Security. Authorized Users opening user accounts are responsible for maintaining security of their usernames and/or passwords and for usage or activity made through their account.  Institutional Licensees are responsible for making reasonable efforts to limit access to the Licensed Content to valid Authorized Users (and update the status of its Authorized Users as needed), to protect the Content from unpermitted use, and to cooperate with MQCC RDLP™ by providing information or assistance necessary for MQCC RDLP™ to implement its user authentication processes.
  2. Unpermitted Use. Institutional Licensees or Authorized Users must notify MQCC RDLP™ of any unpermitted use of MQCC RDLP™ or security breach affecting access to MQCC RDLP™ of which they are aware. Institutional Licensees and Authorized Users shall work cooperatively with MQCC RDLP™ to resolve problems of unpermitted use. If there is an unauthorized use or a violation of these Terms and Conditions of Use, MQCC RDLP™ may suspend or terminate, or request Institutional Licensee assist in suspending or terminating where practicable, access to a specific user, IP address(es), or other authorization and authentication mechanisms used to gain access for the unauthorized use.  MQCC RDLP™ shall make reasonable efforts to contact the Institutional Licensee prior to suspension or termination of access and to restore access promptly following successful resolution of the matter.
  3. Posted Material. With respect to individual Authorized Users, where you are able to submit material and/or post comments on MQCC RDLP™, you represent and warrant that you will not upload or otherwise publish through MQCC RDLP™ any materials that: (a) violate copyright, other intellectual property or third party rights; (b) are libelous, defamatory, obscene, pornographic, hateful, abusive, or invasive of another’s privacy; or (c) contain a virus, spyware, or other harmful component, advertising of any kind, or false or misleading indications of origin or statements of fact. You acknowledge and agree that MQCC RDLP™ may edit, remove or modify any material or comments that you submit or post. In addition, MQCC RDLP™ may reproduce, distribute, or otherwise use any material or comments you make publicly available via MQCC RDLP™.

7   What level of service does MQCC RDLP™ provide?

  1. MQCC RDLP™ uses reasonable efforts to provide 24/7 availability of the MQCC RDLP™ platform subject to periodic downtime for maintenance or updates to the server, platform, or equipment (“Maintenance Downtime”).
  2. MQCC RDLP™ may occasionally withdraw MQCC RDLP™ Collection Content or Open MQCC RDLP™ Collection Content for a good cause reason, for example, because of a legal claim with respect to a specific item of such Content. MQCC RDLP™ makes reasonable efforts to minimize any inconveniences caused by such withdrawals but MQCC RDLP™ will in no way be held liable for such withdrawals.  For Institutional Licensees, if MQCC RDLP™ withdraws a material amount of MQCC RDLP™ Collection Content, Institutional License may submit a written request to receive a prorated refund or credit of its annual access fee under its Institutional Participation Agreement in effect or to terminate such Institutional Participation Agreement without penalty.  Please note contributors of Community Collection Content may withdraw such Content in their discretion at any time.
  3. MQCC RDLP™ is committed to supporting and working with industry standards and best practices for online information delivery as these standards are developed.  Specifically, MQCC RDLP™ shall use reasonable efforts to ensure that:

8   What intellectual property rights apply?

  1. The MQCC RDLP™ Platform and Content. The MQCC RDLP™ platform and any trademarks, issued patents and patent applications, copyrights and copyright registrations and applications, rights in ideas, designs, works of authorship, derivative works, and all other intellectual property rights (collectively, “Intellectual Property”) relating to the MQCC RDLP™ platform are proprietary to MQCC RDLP™ and all Intellectual Property related to the Content provided by MQCC RDLP™’s participating libraries, universities, publishers, scholarly societies, and other Content contributors are proprietary to them, subject to the rights of third parties.
  2. MQCC RDLP™ and Institutional Licensee Trademarks. MQCC RDLP™’s and Institutional Licensee’s names or trademarks may not be used without permission except: (i) MQCC RDLP™ may use Institutional Licensees’ names and/or the names of their libraries alongside the names of other participants in brochures or other materials identifying MQCC RDLP™ participating institutions, and (ii) Institutional Licensees are encouraged to use MQCC RDLP™’s name and logo to announce participation to Authorized Users and to train Authorized Users on the use of MQCC RDLP™.

9   To what extent is MQCC RDLP™ responsible for its platform and the Content?

  1. Based on its arrangements with publishers, rightsholders, and other Content contributors, MQCC RDLP™ represents and warrants under the laws of the United States that to its knowledge use of the MQCC RDLP™ platform and Licensed Content (other than Primary Source Materials) by Authorized Users in accordance with these Terms and Conditions of Use will not infringe the copyright of any third party. This representation and warranty does not apply, however, to (i) the Community Collection (as MQCC RDLP™ does not screen, select, edit or review Community Collection Content for legal purposes, accuracy or usefulness); (ii) any modifications or derivative works of the Content created by Institutional Licensees, Authorized Users or by any third party or (iii) any usage of MQCC RDLP™ or Content in violation of these Terms and Conditions of Use. MQCC RDLP™ also does not make any representation or warranty, and users shall assume sole responsibility for obtaining permission as needed to address, third-party rights besides copyright (such as rights of publicity and privacy) in the IJCS™ Journal Content.
    With respect to Primary Source Content, MQCC RDLP™ represents and warrants it has made diligent efforts to either locate and seek permission from rightsholders or rely on U.S. and Canada and other fair use or similar provisions of copyright law in making the Primary Source Materials available. MQCC RDLP™ agrees to indemnify Institutional Licensees against damages for copyright infringement (and related legal fees and expenses) arising out of use of the Primary Source Materials for its intended purposes in accordance with these Terms and Conditions of Use to the extent stated in 9(b) below, provided that Institutional Licensee notifies MQCC RDLP™ promptly of any such claim and allow MQCC RDLP™ to control the defense and/or settlement of the dispute.
  2. MQCC RDLP™ will not be liable, and Institutional Licensees and Authorized Users agree that they will not hold MQCC RDLP™ liable for any loss, injury, claim, liability, damages, costs, and/or attorneys’ fees of any kind that result from the unavailability, delays, or interruption of MQCC RDLP™, Content, or other MQCC RDLP™ services, or arising out of or in connection with Institutional Licensee’s or Authorized Users’ use of MQCC RDLP™ or Content in violation of these Terms and Conditions of Use. As MQCC RDLP™ is a not-for-profit organization responsible for ensuring the long-term availability and access of Content, in no event will MQCC RDLP™’s liability to an Institutional Licensee exceed the fees paid to MQCC RDLP™ by that Institutional Licensee for the term of the agreement then in effect. OTHER THAN ANY EXPRESS WARRANTIES STATED IN THIS SECTION 11, MQCC RDLP™, CONTENT, INFORMATION, MATERIALS, ACCESS SOFTWARE, OR OTHER SERVICES ARE PROVIDED ON AN “AS IS” BASIS, AND MQCC RDLP™ AND ANY AND ALL THIRD PARTY CONTENT AND SOFTWARE PROVIDERS AND/OR LICENSORS (“CONTENT PROVIDERS”) DISCLAIM ANY AND ALL OTHER WARRANTIES, CONDITIONS, OR REPRESENTATIONS OF ANY KIND (EXPRESS, IMPLIED, ORAL, OR WRITTEN) RELATING THERETO OR TO ANY PART THEREOF, INCLUDING WITHOUT LIMITATION, ANY AND ALL IMPLIED WARRANTIES OF QUALITY, PERFORMANCE, NON-INFRINGEMENT, COMPATIBILITY, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. MQCC RDLP™ and its content providers make no warranties with respect to any harm that may be caused by the transmission of a computer virus or other such harmful computer program, except that MQCC RDLP™ will exercise a reasonable level of care to prevent such occurrences.

10   How does MQCC RDLP™ protect my personal information?
Any personal information you may provide MQCC RDLP™ will be used only in accordance with the terms of our MQCC RDLP™’s Privacy Policy, which is this document.

11 What other legal terms apply?

  1. These Terms and Conditions of Use will be interpreted and construed in the English language (which shall control over any other language version) according to the laws of Canada and any laws or conventions that might direct the application of the laws of another jurisdiction shall not apply. If an Institutional Licensee is a United States public educational or government institution, those portions of this Agreement which are invalid or unenforceable against such Institutional Licensee due to applicable state or federal law, shall be construed in a manner most consistent with applicable governing law.
  2. If any provision of these Terms and Conditions of Use are held to be invalid, illegal, unenforceable, or in conflict with the law of any jurisdiction, all other provisions shall remain in full force and effect. A waiver of any breach of these Terms and Conditions of Use will not be deemed a waiver of other breaches of these Terms and Conditions of Use.
  3. Neither MQCC RDLP™ nor Institutional Licensees or Authorized Users will be liable for failures or delays in performing their obligations pursuant to this contract arising from any cause beyond their control, including but not limited to, act of God, acts of civil or military authority, terrorism, fires, strikes, lockouts or labor disputes, epidemics, wars, riots, earthquakes, storms, typhoons and floods and in the event of any such delay, the time for either party’s performance will be extended for a period equal to the time lost by reason of the delay.  
  4. To manage the evolving needs of Institutional Licensees, Authorized Users, and Content providers and contributors, MQCC RDLP™ reserves the right to reasonably modify these Terms and Conditions, or any aspect of MQCC RDLP™, at any time, however, MQCC RDLP™ intends that such modifications shall not materially detract from the scope of Permitted Uses outlined herein. The most updated of these Terms and Conditions of Use will be posted on the MQCC RDLP™ website, and MQCC RDLP™ will notify Institutional Licensees via email of material modifications. Subject to any terms to the contrary in an applicable Institutional Participation Agreement, a modification will become effective for an Institutional Licensee if it does not object in writing to MQCC RDLP™ within 60 (sixty) days from the time MQCC RDLP™ emails notice of the modification.

Miscellaneous

Waiver of Court Action: Alternative Dispute Resolution

 EACH OF THE PARTIES HERETO HEREBY WAIVES, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY RIGHT TO A TRIAL BY JURY IN ANY ACTION OR PROCEEDING TO ENFORCE OR DEFEND ANY RIGHTS UNDER THIS AGREEMENT AND ANY AMENDMENT, INSTRUMENT, DOCUMENT OR AGREEMENT DELIVERED OR WHICH MAY IN THE FUTURE BE DELIVERED IN CONNECTION HEREWITH OR THEREWITH, AND AGREES THAT ANY SUCH ACTION OR PROCEEDING SHALL BE TRIED BEFORE ALTERNATIVE DISPUTE RESOLUTION.

No Guarantee

You agree that, by registration of your chosen domain name, such registration does not confer immunity from objection to either the registration or use of your domain name.

No Third Party Beneficiaries

Except as expressly provided herein, nothing in this Agreement, express or implied, is intended to confer upon any third party any rights, remedies, obligations, or liabilities under or by reason of this Agreement.

Prohibition of Assignment

You may not assign any of your rights or delegate any of your duties under this Agreement without the prior written consent of MQCC™. Any attempt by your creditors to obtain an interest in your rights under this Agreement, whether by attachment, levy, garnishment or otherwise, renders this Agreement voidable at our option.

Successors and Assigns

Except as otherwise expressly provided herein, this Agreement shall bind and inure to the benefit of the successors, assigns, heirs, executors and administrators of the parties hereto.

Intellectual Property

You agree that MQCC™ holds all right, title and interest in and to all services, its websites any information and technology used to provide the services, including any application programming interfaces, and all intellectual property rights of MQCC™, including other rights related to intangible property. You acknowledge that no title or interest in such intellectual property rights is being transferred to you and you agree to make no claim of interest in any such services.

See www.wipoblockchain.com

PART I PRODUCT CRITERIA

1. Delivery Methods and Product Categories

The Products must be either in image format or a SaaS product. The Products must belong to one of the following product categories:

Categories

Sub-Categories

Software Infrastructure

Application Development

Application Servers

Application Stacks

DataBases

Network Infrastructure

Operating Systems

Security

Webhosting

Storage

Developer Tools

Bug Tracking

Analytics

Testing

Message Queue

Code Management

Business Software

CMS

eCommerce

Media

eLearning

CRM

ERP

MQCC™ Gateway

Business Administration

Compliance and Audit

Finance and Tax

2. Suspension / Removal of Products

MQCC™ shall be entitled to suspend or remove a Product from the International Marketplace, if it determines in its sole and absolute discretion that a Product:

(a) has not been purchased on the International Marketplace for more than 6 months;

(b) has received consistent negative feedback from end-users;

(c) is not kept up-to-date with current bug fixes and patches; or

(d) the Vendor has breached the terms and conditions applicable to it under the International Marketplace and/or MQCC™  International Website.

PART III INTELLECTUAL PROPERTY ENFORCEMENT

1. Enforcement Actions

MQCC™ takes a serious stance in dealing with intellectual property infringement claims on the MQCC™ International Website. Violations of our intellectual property policies and/or terms and conditions may result in a range of actions, including but not limited to:

MQCC™ shall have the discretion to take any enforcement action as it solely determines to be appropriate in the circumstances, including where litigation has already been initiated by intellectual property rights holder(s).

You will defend, indemnify, and hold harmless MQCC™, our affiliates, licensors, and each of their respective employees, officers, directors, and representatives from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorney’s fees) arising out of or in connection with any third party claim concerning any intellectual property rights in respect of your Product.

2. Intellectual Property Infringement Reports

Intellectual property right holders can make reports via the online reporting channel at

TrademarkCheck.valid8tor.com website for the Pirated or Counterfeit MQCC™ Reporting Form

or send an email to info@mqcc.org  in respect of any concerns regarding intellectual property infringement, with the following materials included in the email:

(a). proof of identity of the submitter and relevant authorization if the submitter is not the intellectual property right holder;

(b). proof of intellectual property ownership; and

(c). precise, clickable hyperlinks to the relevant alleged infringing listing on the International Marketplace.

MQCC™ will evaluate intellectual property infringement reports promptly. The Vendor subject to intellectual property infringement report will be notified of the report and the contact information of the intellectual property right holders will be provided to the Vendor to facilitate direct conflict resolution.

Vendor(s) subject to intellectual property infringement report may submit counter-notifications to dispute the corresponding report. Intellectual property rights holders shall be notified if and when any counter-notifications are filed and may accept or reject such counter-notifications.

MQCC™ reserves the right to take any enforcement actions stated under paragraph 1 above or reinstate any Product listing at our sole determination.

MQCC™ may conduct the enforcement proceedings in such manner as it considers appropriate. At any time during the enforcement proceedings, MQCC™ may require parties to produce documents, exhibits or other evidence within such period of time as MQCC™ shall determine. MQCC™ shall determine the admissibility, relevance, materiality and weight of the evidence offered.

3. Other Reports

If you would like to report any suspected unlawful or abuse on the International Marketplace, please notify us by submitting a report via the online reporting channel by sending an email to info@mqcc.org.

Force Majeure

If any party fails to perform its obligations because of strikes, lockouts, labor disputes, embargoes , acts of God, inability to obtain labor or materials or reasonable substitutes for labor or materials, governmental restrictions, government regulations, governmental controls, judicial orders, enemy or hostile governmental action, civil commotion, fire or other casualty, or other causes beyond the reasonable control of the party obligated to perform, then that party's performance shall be excused.

Waiver

No waiver of a breach, failure of any condition, or any right or remedy contained in or granted by the provisions of this Agreement shall be effective unless it is in writing and signed by the party waiving the breach, failure, right, or remedy. No failure or delay by MQCC™ in exercising any right, power or privilege hereunder shal l operate as a waiver thereof nor shal l any single or partial exercise thereof preclude any other or further exercise thereof or the exercise of any other right, power or privilege. The rights and remedies herein provided shall be cumulative and not exclusive of any rights or remedies provided by law.

Severability

The provisions of this Agreement are severable. If a court or an arbitrator of competent jurisdiction holds any provision of this Agreement to be illegal, unenforceable, or invalid in whole or in part for any reason, the validity and enforceability of the remaining provisions, or portions of them, will not be affected. Notwithstanding the foregoing, if such provision could be more narrowly drawn so as not to be invalid, prohibited or unenforceable in such jurisdiction, it shall, as to such jurisdiction, be so narrowly drawn, without invalidating the remaining provisions of this Agreement or affecting the validity or enforceability of such provision in any other jurisdiction.

Entire Agreement

Except as may be set forth in an written agreement signed between you and MQCC™, this Agreement, together with all of our policies published by us, including our dispute policy, Privacy Policy and domain deletion and auto-renew policy constitute the final, complete, and exclusive agreement between us regarding our provision to you of the services and supersedes all prior and contemporaneous understandings or agreements of the parties, whether established by custom, practice, policy or precedent.

Attorneys Fees

If MQCC™ prevails in any action, suit, or proceeding arising from or based upon this Agreement, MQCC™ shall be entitled to recover from you its reasonable attorneys' fees in connection therewith in addition to the costs of such action, suit, or proceeding.

Headings

The headings in this Agreement are descriptive and are included for convenience only and shall neither affect the construction or interpretation of any provision in this Agreement nor affect any of the rights or obligations of the parties to this Agreement.

MQCC™ International Website Membership Agreement

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GDPR Addendum to MQCC™ International Website Membership Agreement

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MQCC™ International Website Domain Name Service Agreement

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MQCC SPP

MortgageQuote Canada Corp. (MQCC)

Head Office: 548 Rundleridge Drive NE, Calgary, Alberta T1Y-2K7

Toll Free Phone: +1-866-948-7283 Toll Free Fax: +1-866-948-3291

Alberta * BC * Ontario (License #12279: Ontario)

Web: www.mortgagequote.ca Email: info@mortgagequote.ca  An ISO 9001:2015 Registered Company.


[1]https://litmus.com/blog/casl-debunked-everything-you-need-to-know-about-canadas-anti-spam-law-in-2017