Website Terms & Conditions of Use
Current as of October 11, 2016
PLEASE CAREFULLY READ THIS AGREEMENT, WHICH GOVERNS YOUR USE OF PEOPLES TRUST COMPANY’S WEBSITE AND THE CONTENT, INFORMATION AND SERVICES PROVIDED ON OR THROUGH THE WEBSITE AND BY EMAIL. IT EXEMPTS PEOPLES TRUST COMPANY AND OTHER PERSONS FROM LIABILITY OR LIMITS THEIR LIABILITY, AND CONTAINS OTHER IMPORTANT PROVISIONS THAT YOU SHOULD READ. EACH TIME YOU USE THE WEBSITE, THIS AGREEMENT AS IT THEN READS WILL GOVERN YOUR USE. ACCORDINGLY, WHEN YOU USE THE WEBSITE YOU SHOULD CHECK THE DATE OF THIS AGREEMENT (WHICH APPEARS AT THE TOP OF THIS AGREEMENT). IF YOU DO NOT AGREE WITH THIS AGREEMENT, YOU MAY NOT USE THE WEBSITE. YOU MAY PRINT OR DOWNLOAD A COPY OF THIS AGREEMENT AT ANY TIME.
1. Your Acceptance of this Agreement
This Agreement constitutes an agreement between you and all persons you represent (and for purposes of this Agreement, “person” includes natural persons and any type of incorporated or unincorporated entity or organization) and Peoples Trust Company (“PTC”), and governs your access to and use of the PTC website and the content, information and services provided on or through the website and by e-mail, including all on-line tools (including applications and calculators) and e-mail alerts (the “Website”). This Agreement also provides benefits and protections to PTC’s affiliates, service providers, suppliers of services to PTC or to you through PTC Online Banking or otherwise, and sub-contractors, and other affiliates, service providers, suppliers of services, or sub-contractors with whom PTC may do business or who provide services to you from time to time through the Website (collectively the “Affiliates and Providers”).Each time you use the Website you signify your acceptance and agreement, and the acceptance and agreement of all persons you represent, without limitation or qualification, to be bound by this Agreement as it then reads, and you represent and warrant that you have the legal authority to agree to and accept this Agreement on behalf of yourself and all persons you represent. If you do not agree with each provision of these this Agreement, or you are not authorized to agree to and accept this Agreement, you may not use the Website.
2. Changes to these Terms and Conditions
3. Internet Banking, Applications and Requests
Certain portions of the Website relating to on-line banking transactions or account access (“PTC Online Banking”) may be accessed only by persons who have agreed to be bound by the Peoples Trust Company Account and Product Terms and Conditions, which may be found by clicking [here]. Access to PTC Online Banking is also limited to persons to whom PTC has issued a password.The Website allows users to complete and submit applications for accounts and other products and services (“Online Applications”), and to request information regarding PTC’s products and services (“Online Requests”). Online Applications and Online Requests may only be made using appropriate application forms available through the Website, and not through e-mail.
4.Seek Personalized Advice
All PTC accounts, products and services are subject to the terms of the applicable agreements governing their use.
5. Website Communications
A copy of any electronic communication will be admissible in any legal, administrative or other proceedings in the same manner as an original document in writing. You agree to waive any right to object to the introduction of any copy of electronic communications in evidence.
6. Currency and Interest Rates
7. Privacy and Security
8. Warranties and Limitation of Liability
This Website (including all information and documents contained on the Website) is provided “as is” and “as available” without any representation, warranty or condition of any kind (whether express, implied or statutory), and including without limitation any representation, warranty or condition or title, non-infringement, merchantability, fitness for a particular purpose, performance, durability, availability, timeliness, accuracy or completeness, all of which are hereby disclaimed by PTC to the fullest extent permitted by law. There will not be any representation, warranty or condition created by a course of dealing, course of performance or trade usage.Rates, fees and other information are subject to change at any time without notice to users and the posted rates and fees on this Website may not immediately reflect such changes.
Your use of this Website is at your own risk. In no event will PTC, its Affiliates and Providers, and any other parties involved in creating and delivering this Website’s contents be liable for any damages, losses or expenses of any kind arising from or in connection with this Website 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 PTC, or its representatives, are advised of the possibility of such damages, losses or expenses.
PTC is not responsible in any manner for direct, indirect, special or consequential damages, howsoever caused, arising out of use of this Website including but not limited to, damages arising from or related to the installation, use, or maintenance of personal computer hardware, equipment, software or any Internet access services.
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 Website.
9. Unlawful Behaviour
Do not use the Website to communicate to others, to post on the Website, or otherwise transmit to the Website, any materials, information, or communication that either causes any harm to any person or that is illegal or otherwise unlawful, including without limitation any hateful, harassing, pornographic, obscene, profane, defamatory, libellous, threatening materials which constitutes or may encourage conduct that would be considered, a criminal offence, give rise to civil liability, promote the excessive, irresponsible or underage consumption of alcohol, or otherwise violate any law or regulation.Notwithstanding that PTC or other parties are involved in creating, producing or delivering the Website, PTC will have the right to monitor or review all communications, materials, transmissions, postings, discussions and chats. PTC, and all parties involved in creating, producing or delivering the Website, assume no responsibility or liability which may arise from the content thereof, including but not limited to claims for any of the above-noted matters.
10. Peoples Trust Company Records
11. Ownership of Software, etc.
12. Available Only Where Permitted by Law
13. Links to Third Party Sites
You should be aware that off-site pages or other sites might be available only in English or in other languages. Vous doivent être conscients que les renseignements offerts dans ces sites autres que le site web de PTC puissent n’être consultés qu’en Anglais ou dans toute autre langue.
14. Applicable Law
These terms and conditions, your access to and use of the Website, and all related matters are governed solely by the laws of British Columbia and applicable federal laws of Canada, excluding any rules of private international law or the conflict of laws that would lead to the application of any other laws.Any dispute between PTC and you or any other person arising from, connected with, or relating to the Website, this Agreement, or any related matters (collectively, “Disputes”) must be resolved before the Courts of the Province of British Columbia, Canada, sitting in the City of Vancouver, and you hereby irrevocably submit and attorn to the original and exclusive jurisdiction of those Courts in respect of all Disputes. Any proceeding commenced by you or on your behalf regarding a Dispute must be commenced in a court of competent jurisdiction in Vancouver, British Columbia within six months after the Dispute arises, after which time any and all such proceedings regarding the Dispute are barred.
16. Ownership and Permitted Uses of the Site
The Website and all information (in text, graphical, video and audio forms), images, icons, software, designs, applications, on-line tools, calculators, models, data, and other elements available on or through the Website are the property of PTC and others, and are protected by Canadian and international copyright, trademark, and other laws. Your access to and use of the Website does not transfer to you any ownership or other rights in the Website or its content.The Website may only be used in the manner described expressly in this Agreement. In particular, except as expressly stated otherwise in this Agreement, the Website may not be copied, imitated, reproduced, republished, uploaded, posted, transmitted, modified, indexed, catalogued, mirrored or distributed in any way, in whole or in part, without the express prior written consent of PTC. You may not reproduce, copy, duplicate, sell, or resell any part of the Website or access to the Website.
The Website may be used only for lawful, personal, and non-commercial purposes. You may print the pages of the Website for your lawful, personal, and non-commercial use, provided that you do not modify any of the content and you do not remove or alter any visible or non-visible identification, marks, notices, or disclaimers.