Terms of Service

1. Definitions

• Service: The FinTech Toronto website, platform, and all content, services, and products available through the website.
• User: Any individual who accesses or uses the Service.
• Content: All information, text, data, graphics, images, videos, software, and other materials displayed, published, or made available through the Service.
• User Content: Any content submitted, posted, or otherwise made available by users of the Service.

2. Account Registration and Security

To access certain features of the Service, you may be required to register for an account. When registering, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You agree to immediately notify FinTech Toronto of any unauthorized use of your account or any other breach of security. FinTech Toronto will not be liable for any loss or damage arising from your failure to maintain the security of your account.

3. User Content

You retain ownership of all User Content you submit to the Service. However, by submitting User Content, you grant FinTech Toronto a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, translate, distribute, and display such User Content.

You are solely responsible for your User Content and the consequences of posting or publishing it. You represent and warrant that you own or have the necessary rights to submit your User Content and that it does not violate any third-party rights or applicable laws.

4. Prohibited Activities

When using the Service, you agree not to:

• Violate any applicable laws or regulations.
• Infringe upon the rights of others, including intellectual property rights.
• Post or transmit any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable.
• Engage in any activity that could disable, overburden, or impair the Service.
• Attempt to gain unauthorized access to any portion of the Service or any systems or networks connected to the Service.
• Use any automated means to access the Service or collect any information from the Service.
• Use the Service for any commercial purpose without our prior written consent.

5. Intellectual Property

The Service and its original content (excluding User Content) are and will remain the exclusive property of FinTech Toronto and its licensors. The Service is protected by copyright, trademark, and other intellectual property laws.

Except as expressly permitted in these Terms, you may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Service without our prior written consent.

6. Third-Party Links and Services

The Service may contain links to third-party websites or services that are not owned or controlled by FinTech Toronto. FinTech Toronto has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that FinTech Toronto shall not be responsible or liable for any damage or loss caused by or in connection with the use of any such content, goods, or services available on or through any such websites or services.

7. Disclaimer of Warranties

The Service is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied. To the fullest extent permitted by law, FinTech Toronto disclaims all warranties, including but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

FinTech Toronto does not warrant that the Service will be uninterrupted, secure, or error-free, that defects will be corrected, or that the Service is free of viruses or other harmful components.

8. Limitation of Liability

To the fullest extent permitted by law, FinTech Toronto shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the Service.

9. Indemnification

You agree to defend, indemnify, and hold harmless FinTech Toronto and its licensors, service providers, affiliates, and their respective officers, directors, employees, contractors, agents, and successors from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Service.

10. Modifications to Terms

FinTech Toronto reserves the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Ontario, Canada, without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the courts located in Toronto, Ontario.

12. Termination

FinTech Toronto may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.