Personal Finance: I'm in Charge® terms of use
Effective 2023-08-16
Please read carefully.
We're1 providing you with access to the Personal Finance: I'm in Charge®2 website, available at www.mesfinancesmeschoix.com (the "Website"), which offers services and information on financial education.
These Terms of Use (the "Terms") are a legal agreement governing your use of the Website. They contain limitations of liability, disclaimers of warranty, and provisions that affect where and how you may bring legal proceedings in relation to the Website. In addition, these Terms specify who may do business with us.
All information that we make available to you and that is accessible through the Website (hereinafter referred to as the "Service") is in particular subject to these Terms.
You agree to comply with each of these Terms starting the first time you use the Website. Please read these Terms carefully.
If you don't agree with each of these Terms, please don't log in to or use the Website.
Amending these Terms
We reserve the right to amend the Terms at any time by adding, deleting or changing their content, without notice or liability to you. These amendments may be made at any time and could occur very close together or very far apart, depending on the circumstances.
If you disagree with the changes to the Terms, please stop logging in to and using the Website.
Changes to the Service
We reserve the right to modify or to temporarily or permanently suspend all or part of the Service at any time without notice. We cannot be held liable toward you or any third party for any changes, suspensions or interruptions to the Service.
Unless expressly provided otherwise, any new feature that improves or enhances one or more existing services or any new service we introduce will be subject to these Terms.
Service access costs
You are solely responsible for paying the costs associated with the use of the Service, such as Internet connection fees or fees for systems that access online content. You are also responsible for acquiring any equipment needed for such connections.
User eligibility (age, parental consent and geographic limits)
You must be at least 14 years old to be able to use the Website. If you're under 14, you may not use the Website even if you have your parent's or guardian's permission. We do not contract with or collect personal information from anyone under the age of 14.
If you're age 14 or older, but still a minor under the laws of your place of residence, you must get permission from your parent or guardian before using the Website.
We care about the safety of children using this Website. Parents are encouraged to become familiar with the Website, as it is their responsibility to determine whether or not it is appropriate for their children and to monitor their use of it. If parents do determine that the Website is appropriate, we encourage them to visit the site with their children to take part in the learning process and to offer their perspective.
You must be in Canada to use this Website, which is only available in Canada.
Security, confidentiality and protection of personal information
We take protecting your privacy seriously, including the personal information you provide through the use of the Website.
Please see our Privacy Policy for our privacy and personal information protection practices.
Restrictions on use of content
It's prohibited to reproduce by any means whatsoever the information, data, text, software, music, sounds, photos, images, videos, messages and any other materials available on this site (collectively the "Content").
More specifically, it's prohibited to:
Forge headers or otherwise manipulate Content transmitted through the Service
Upload, post, email or otherwise send any Content that contains computer viruses or other code, files or programs designed to interrupt, destroy or limit the functionality of any software, computer, application or telecommunications equipment, without limitation
Interfere with, disrupt, or make abusive use of the Service or servers or networks connected to the Service, or refuse to comply with any requirements, procedures, general regulations or regulatory provisions applicable to networks connected to the Service
Violate, intentionally or unintentionally, any national or international law or regulation in effect
Collect and store personal information relating to other users
Sell, resell or operate on any commercial basis whatsoever any portion of the Service or any use of the Service or access privileges associated with the Service
Desjardins's intellectual property rights
The Service and any application or software used in relation to the Service (the "Software and Applications") may contain confidential information that is protected under intellectual property law or other applicable legislation.
Content on the Website and in the advertising and information provided by the Service is protected by copyright, trademark, patent and other intellectual property right laws in effect. Content remains the property of Desjardins, our licensors or the person recognized as the Content provider.
The Website is protected under copyright law as a collective work or compilation as defined in Canadian and foreign laws.
Except when specifically authorized by us, you may not:
Copy, alter, rent, borrow, sell, distribute or create derivative works based in whole or in part on the Content, the Service or the Software and Applications
Reverse engineer, disassemble or attempt to find the source code in any other manner (except in cases prescribed by law), sell, assign, sub-license or transfer in any manner whatsoever any right to the Software and Applications
Alter the Content or the Software and Applications in any way or use altered versions of the Software and Applications for purposes including, but not limited to, gaining unauthorized access to the Service
Access the Service through means other than the interface provided by Desjardins for this purpose
Use the Website or its Content, in whole or in part, for any purpose other than those stated in these terms of use
Copyrights and trademarks
All of the information on this Website is protected by copyright law. Users of the Website are not authorized to copy, redistribute, reproduce, repost, store in any medium, resend or modify any information contained on the Website for commercial purposes without our authorization.
Desjardins®, Personal Finance: I'm in Charge® and related trademarks are trademarks of the Fédération des caisses Desjardins du Québec. All other trademarks and logos (including certain names, words, titles, designs, graphics and icons) appearing on the pages of the Website are trademarks of Desjardins or a third party.
The use of these trademarks without our written permission is strictly forbidden. Downloading, resending, copying or altering trademarks or other Website Content without permission may be a violation of federal or other copyright or trademark laws and may be subject to legal action.
Limitation of liability
To the fullest extent possible pursuant to applicable law, under no circumstances will we be held liable for any direct or indirect damages, including, but not limited to, loss of profit, customers, data or other intangible assets, even if we've been advised of the possibility of such damages, that may arise from:
The use or inability to use the Service or the Website
The accuracy of all or part of the information provided through the Website
Any action, inaction or investment decision based on the Website or its Content
Any unauthorized access to the Service by a user or following changes to your submission or database
A third party's conduct while using the Service
The loss or theft of a user's computer, mobile device or smartwatch
We cannot be liable at any time for any loss or damage arising from your failure to comply with any of your obligations under these Terms.
Warranties
The Service delivery and accessibility depend on its availability. We disclaim any warranty, express or implied, including, but not limited to, warranties of quality and compatibility of the Service for a particular purpose and warranties regarding the non-violation of the Terms by service users.
We cannot guarantee that:
The Service will be uninterrupted, available, secure or free from error
Results obtained while using the Service will be reliable and accurate
The quality of any product, service, information or other material that you buy or obtain through the Service will meet your expectations
Any problems in the software and applications will be fixed
You alone are responsible for any damage to your computer or for loss of data resulting from any download.
No advice or information, whether oral or written, obtained by you from Personal Finance: I'm in Charge® or in the course of using the Service may be construed as creating any warranty not expressly stipulated in these Terms.
Access to the Website
We may restrict or prohibit your access to the Website at our sole discretion at any time without prior notice.
Links to outside websites
The Service or third parties may include links to other websites or other Internet sources. We are not responsible for their availability, nor can we assume any responsibility for the content, links, advertising, products, services or other materials made available by or through such external sites or sources. We cannot be held responsible for any proven or alleged damage or loss resulting from or in connection with the use of content, goods or services available on these external sites or sources, or with having trusted the content, goods or services available on these external sites or sources.
That means that it's up to you to exercise discretion in your use of such Content. Likewise, you are responsible for assuming all inherent risks, particularly when you rely on the timeliness, usefulness or completeness of the content made available on or through the sites or sources referred to by the Service.
Links to sites offering downloadable software are provided for your convenience only and we cannot be held responsible for any issues with downloading such software.
Links to other websites don't indicate that these sites endorse us or our products and services.
Financial information
The Service is provided for information purposes only. Accordingly, the Content contained in the Service is not intended to be used for trading purposes or for making investment decisions. We cannot at any time be held responsible for the Content or for the accuracy of all or part of the information provided. Similarly, we cannot be held responsible for any investment instruction or decision based on such information.
Jurisdiction and exclusive forum for disputes
This Website is subject to and governed by the laws of the province of Quebec. Any disputes, differences or claims related to the Website or its use will be subject to the exclusive jurisdiction of the courts of the Province of Quebec.
Miscellaneous
These Terms constitute the entire agreement between us for use of the Service and replace any previous agreements.
You may also be subject to additional terms of use specific to certain services, third-party content and third-party software. You will be notified of these terms when you access these services, content or software.
Our failure to exercise our rights under these terms of use doesn't constitute a waiver of these rights.
If any provision in these terms of use are deemed invalid by a court decision, the remaining provisions will remain in full force and effect.
In addition, the use of certain services of ours may require compliance with additional specific rules, conditions, terms or codes of conduct that will be covered in a separate agreement. These rules and codes of conduct are considered an integral part of these terms of use. In the event of any discrepancy between the Terms and the agreement, the latter will prevail.
1The Fédération des caisses Desjardins du Québec.
2Personal Finance: I'm in Charge® is a registered trademark of the Fédération des caisses Desjardins du Québec.
Confidentiality
Personal Finance: I'm in Charge® respects your right to privacy. That's why we take the protection and confidentiality of personal information you entrust us with very seriously.It’s our responsibility to ensure that all information we collect is handled securely. For your convenience, Personal Finance: I'm in Charge!® may provide links to third-party sites and platforms. Desjardins has no control over the content or operation of these sites and platforms, or their privacy practices. If you share personal information through them, it will be subject to their privacy policies, not ours. You are responsible for reading the policy to ensure your privacy is being adequately protected.