Legal

TERMS OF USE AGREEMENT BETWEEN USER AND QUARTZ INVESTMENT OF CANADA INC.

(Term “User” means anyone Quartz Investment website, specifically www.quartzinvestment.com , is offered to the User solely for information purposes and does not directly offer any lending or financing services or products in any form or content.. By viewing and accessing information on Quartz Investment the User accepts, without modification, the terms, conditions, and notices contained herein. Your use of Quartz Investment constitutes your agreement to abide by all such terms, conditions, and notices. If you do not agree with any of the terms and conditions of use, please do not use this site.

The intent of the Quartz Investment website is provide the User with information and resources regarding private and institutional financial lending in Canada and EU  and that Quartz Investment, its owners, officers, directors, agents, employees, and/or contractors are not licensed or qualified to provide mortgage or general financing services or advice in any manner whatsoever in accordance with the laws of Canada.

Participating lenders may verify your social insurance number, driver’s license number, provincial id, or any other government identifications and review your information against federal databases to include but not limited to Equifax and to determine credit worthiness, credit standing and/or credit capacity. By submitting your application and information on this website, you agree to allow any and all participating lenders to verify your information and check your credit. All finance is subject to employment status and income. Applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required. We can introduce you to a number of finance providers based on your credit rating.

The User acknowledges and understands that Quartz Investment, its owners, officers, directors, agents, employees, and/or contractors do not endorse, support or recommend the use of any service, product or other resource which may be found on or through this website without the consultation of a licensed lawyer in good standing with the Law Society of Upper Canada and a licensed financial advisor registered through the Financial Services Commissions of Ontario or any other governing or regulatory bodies within the User’s applicable jurisdiction. The User understands and agrees that the User’s usage of Quartz Investment should not in any way be used as a substitute for a discussion with either of the aforesaid licensed professionals.

INTELLECTUAL PROPERTY RIGHTS

All content of the Quartz Investment website is subject to a copyright claim by Asset Direct of Canada Inc. and subject to all applicable copyright laws and all corresponding rights are reserved.

The contents of the Quartz Investment website including, but not limited to, ratings, publications, information, images, illustrations, audio clips, surveys, special features, graphics, logos, service marks registered and unregistered, and software are subject to all applicable intellectual property rights which are owned and controlled by Asset Direct of  Canada Inc. or by third parties who have licensed their material or provided permission to Asset Direct of Canada Inc. for placement on the Quartz Investment website. Unauthorized use of any content of the website is strictly prohibited and may violate copyright, trademark, patents, or other intellectual property laws and be subject to both civil litigation and criminal charges. To obtain authorized permission please contact us at contact@assetdirect.ca

Quartz Investment welcomes comments regarding our website and its content and services. However, any notes, messages, postings, ideas, suggestions or other material that the user submits to Quartz Investment will become the sole and exclusive property of Quartz Investment of Canada Inc. without any compensation owing to the User who submits same and Quartz Investment of Canada Inc. is entitled to use any material a User submits for any type of use forever in any media whether now known or later developed.

When the User submits material to Quartz Investment, the User agrees that Quartz Investment of Canada Inc. has the right to use the material in any manner it sees fit including but not limited to promotional and advertising purposes, without compensation to the User of any kind. Accordingly, the User should not send any original creative materials such as stories, product ideas, or artwork.

ADC is owned and operated by Quartz Investment of Canada Inc. a company federally incorporated pursuant to the laws of Canada.

INDEMNITY

The User understands and agrees that they shall hold harmless and indemnify Quartz Investment of Canada Inc., its owners, officers, directors, agents, employees, and/or contractors against any and all claims and actions arising out of the User’s usage of the Quartz Investment website or any website accessed through Quartz Investment, including, but not limited to, any financing agreements between the User and a third party accessed through the Quartz Investment website.

The User understands and agree that the User shall hold harmless and indemnify Quartz Investment, its owners, officers, directors, agents, employees, and/or contractors against any and all expenses, judgments, fines, settlements and other amounts actually and reasonably incurred in connection with any liability, suit, action, loss, or damage arising or resulting from the User’s usage of Quartz Investment or any website accessed through Quartz Investment.

The User understands and agrees that Quartz Investment of Canada Inc., its owners, officers, directors, agents, employees, and/or contractors shall not be responsible or liable to any person or entity whatsoever for any direct, indirect, incidental, punitive, consequential or exemplary damages, including but not limited to, injury, claim by a third party, liability, costs, damages for loss of business and/or profits, data or other intangible losses (even if this website had been advised of the possibility of such damages), resulting from the use of or the inability to use the materials, information, and/or service(s) or any misuse of the materials, information, and/or service(s) in a manner not in accordance with their intended use.

The User also understands and agrees that Quartz Investment of Canada Inc. its owners, officers, directors, agents, employees, and/or contractors shall not be held liable for any defamatory, offensive, or illegal conduct of any of the website users.

UNLAWFUL OR PROHIBITED USE

As a condition of use of the Quartz Investment website, the User agrees not to use this website for any purpose that is unlawful or prohibited by these terms, conditions and notices. The User may not use the Quartz Investment website in any manner which could damage, disable, overburden, or impair the website or interfere with any other party’s use and enjoyment of it. The User may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Quartz Investment website. You agree that your use of this website shall not violate any applicable local, national or international law including but not limited to any regulations having the force of law, such as professional regulations or any national or local restrictions on the use of the internet by other countries.

DISPUTES

Any dispute arising out of or in connection with the terms and use of Quartz Investment or the information or services provided through it, shall be submitted in writing to Quartz Investment at loan@quartzinvestment.com

MODIFICATION OF TERMS OF USE, CONDITIONS, NOTICES, PRIVACY POLICY ADC reserves the right to modify, alter or update the terms, conditions, notices, and privacy policy under which the Quartz Investment website is offered, including any associated costs, without notice and liability. Any such changes will be posted on the website and you agree to be bound by such modifications, alterations and/or updates as of the date same is posted. If the User does not agree with these modifications, alterations and/or updates, it is the User’s sole responsibility to terminate your use of this website or any of its services. The User’s continued use of the website or any of its services following the posting of any changes shall constitute your acceptance of the modifications, alterations and/or updates made.

VIRUSES

Quartz Investment will undertake to ensure that all content on its website does not contain any computer viruses. However, the User should take reasonable and appropriate precautions to protect the User’s computer through software programs that scan for viruses and through the backup of the User’s computer files and information.

EMAIL

ADC will undertake to not use any email provided by a User for any purpose not agreed upon by same and will not share any email provided by a User with any other party. Notwithstanding, as a User you shall hold harmless Quartz Investment from any action or claim direct or indirect arising from providing your email to Quartz Investment.

When you send us e-mails with comments, questions, and/or suggestions, you are communicating with us electronically and you consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this website, as deemed appropriate in the sole discretion of Quartz Investment.

FURTHER INFORMATION

If you have any questions about the terms of use as listed or wish to request permission to use or copy any of the information provided by Quartz Investment please contact us at loan@quartzinvestment.com