Each time you visit the Fidem Finance website you signify your acceptance and the acceptance of all persons you represent, without limitation, to be bound by this Acceptance as it then reads, and you represent and warrant that you have the legal authority to agree to and accept this Acceptance on behalf of yourself and all persons you represent.
Fidem Finance may, from time to time, at its sole and absolute discretion, make changes to the Fidem Finance website, including changing, removing, or adding products or services.
4. Currency and interest rates
Unless expressly stated otherwise, all references on the Fidem Finance website to currency are in (CDN) Canadian Dollars. Interest rates specified on the Fidem Finance website are subject to change at any time and without notice.
5. Website communication
All information provided through the Fidem Finance website, including your legal name, residential/permanent address, e-mail address, and information relating to online account information, online applications, and online requests, must be factual, accurate, current, and complete. Fidem Finance will rely exclusively on the information provided by you. You will be solely responsible and liable for any and all loss, damage, and additional costs that you, Fidem Finance, or any other person may incur as a result of your submission of any untruthful, incorrect, or incomplete information.
a) If Fidem Finance cannot effectively process the communications;
b) The communications are in violation of any provision of this Acceptance or any other agreement that you or any other person may have with Fidem Finance;
c) Fidem Finance believes the communications may conflict with any other instructions or agreements with you or any person you represent; or
d) There is an operational failure or malfunction relating to the transmission of the communications.
A copy of any electronic communication will be admissible in any administrative, legal or other proceedings in the same manner as an originating document in writing. You hereby agree to waive any right to object to the introduction of any copy of electronic communications as evidence.
The Fidem Finance website uses “cookies”, a technology that installs a minor amount of information on a website user’s computer to allow the website to identify any future visits using that computer. Cookies improve the convenience and use of the Fidem Finance website. The information provided through cookies is used to recognize you as a former user of the website, to track your activity on the website, to respond to your needs, and to otherwise simplify your website experience. You may select to decline cookies if your browser permits, however doing so may ultimately affect your use of the Fidem Finance website and your ability to access certain features of the Fidem Finance website or engage in transactions through the Fidem Finance website.
Fidem Finance may use web cookies or pixel tags to gather tracking information reports regarding website user demographics, website traffic patterns, and website purchases. We may then provide these reports to advertisers and others. We confirm that none of the tracking information provided in these reports can be associated to the identities or other personal information of the individual users.
7. Warranties and limitations of liabilities
Although Fidem Finance makes every reasonable effort to provide and include accurate and up-to-date information on the Fidem Finance website, it makes no representations or warranties as to the fact, accuracy, reliability, usefulness, timeliness or completeness of that information. The content may include, from time to time, technical inaccuracies or typographical errors. The information provided may not be accurate or current, may not apply to every individual’s particular situation, or may not be suitable or appropriate for every user.
The Fidem Finance website and the content therein are provided on an “as is, as available” basis, and you use the Fidem Finance website at your own risk. At no time will Fidem Finance, its Affiliates and Service Providers, and any other parties involved in creating and delivering the Fidem Finance website contents be liable for any losses, damages, or expenses of any kind arising from or in connection with the website or its use or any person’s inability to use the website, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or system failure, loss of data or otherwise, even if Fidem Finance or its representatives are advised of the possibility of such damages, losses or expenses. Fidem Finance will not be held liable in any manner for direct, indirect, special or consequential damages, regardless of the cause, arising out of use of this website including but not limited to, damages arising from or relating to the installation, use, or maintenance of personal computer hardware, equipment, software or any Internet access services.
Fidem Finance strongly urges you to consult a professional or some other credible authority in the appropriate field before using any of the information it provides, and you acknowledge that the site is not intended to, and should not be considered to replace or provide any legal, tax, financial planning or accounting advice.
When using the Fidem Finance website, information will be transmitted over a medium that is beyond the total control of Fidem Finance or Fidem’s service providers and partners. Consequently, Fidem Finance undertakes no liability for or relating to the delay, failure, interruption or corruption of any data or other information transmitted in connection with use of the Fidem Finance website. Further, Fidem Finance makes no representation or warranty that the Fidem Finance website will be available on a uninterrupted or continuous basis, or that any imperfections or errors will be detected or adjusted, or that the Web Site and any communication from Fidem, whether from the Web Site, or otherwise, is free of viruses, malicious code, unauthorized programs, disable code, or other harmful components.
You are strongly cautioned to acquire and maintain appropriate anti-virus and security software. To the fullest extent available and permitted by law, Fidem Finance hereby expressly refutes and by using this website you waive all conditions, representations and warranties (express or implied), statutory or otherwise, including but not limited to any implied conditions, representations or warranties of merchantability, compatibility, non-infringement of third parties’ rights or fitness for particular purpose, and Fidem Finance makes no representation or warranty as to the results that may be obtained from the Fidem Finance website.
You explicitly agree that Fidem Finance shall not be held responsible nor liable for any unauthorized access to or modification of the website or your transmissions or data, any material or data sent or received (or not sent or received), or any transactions entered through the Fidem Finance website. You further agree that Fidem Finance is not liable or responsible for any intimidating, defamatory, obscene, offensive or illegal content or conduct of any other party or any infringement of another’s rights, including intellectual property rights. You specifically agree that Fidem Finance is not responsible for any content sent using or included in the website by any third party.
Fidem Finance makes no endorsements of any third party products or services, material or content referenced or included in, or linked from or to the Fidem Finance website.
8. Permitted use of the Fidem Finance website
Any individual is encouraged to visit and browse the Fidem Finance website. However, only persons who are resident in Canada and are of the age of 18 (the age of 19 in British Columbia, Newfoundland and Labrador, Northwest Territories, Nova Scotia, Nunavut, Yukon or New Brunswick) or over may apply for any product or services available on or through the Fidem Finance website. By applying for any product or services on the Fidem Finance website you represent and warrant to Fidem Finance that you meet those requirements.
When submitting any application or other data entry form or page located on or through the Fidem Finance website, you may not enter any false, fraudulent, indecent, obscene, profane or otherwise inappropriate information. You hereby represent, warrant and agree that you will enter only true and accurate information into any form or page related to the Fidem Finance website, you will keep such information current, and that you will use the website only in compliance with any and all applicable laws.
You acknowledge and agree that Fidem Finance does and will cooperate fully with law enforcement officials and agencies in any investigation of potential or alleged violations of any applicable laws. You acknowledge and agree that Fidem Finance may investigate (or have investigated on its own behalf) allegations of infringement of third-party rights or abusive or any other inappropriate use of the website.
9. Unlawful behavior
No visitor to the Fidem Finance website may 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 harm to any person or which is illegal or otherwise unlawful, including without limitation any odious, harassing, pornographic, obscene, profane, defamatory, or 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 Fidem Finance or other parties are involved in creating, producing or delivering the website, Fidem Finance will have the right to monitor or review all communications, materials, transmissions, postings, discussions and chats. Fidem Finance 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 issues.
10. Hyperlinks to and from third-party sites
In the absence of our express prior written consent, you may not create any link to the Fidem Finance website.
Fidem Finance reserves the right, in its sole and absolute discretion and at any time with or without reasonable notice to you, to terminate your access to all or any part of the Fidem Finance website, without any liability to you or any other person.
13. Governing law
16. Copyright and trademark information
Fidem, Fidem Finance and the Fidem Finance logo are trademarks, service marks and trade names owned or licensed by Fidem Finance. Other product and company names and logos appearing on the Fidem Finance website from time to time, including those of People’s Trust, Mastercard® , may be registered or unregistered trademarks, service marks, trade names and logos of Fidem Finance or their respective owners. Any use of the trademarks, service marks, trade names or logos displayed on the Fidem Finance website except as expressly provided in this Acceptance, is strictly prohibited. Nothing appearing on the Fidem Finance website or elsewhere will be construed as granting, by implication, estoppel, or otherwise, any licence or right to use any Trademarks.
If you have reason to believe that material in which you hold copyright is visible on the Fidem Finance website without your express consent, please contact us immediately at:
Fidem Finance Inc.
P.O. Box 53
London, ON N6A 4V3
Please provide all necessary details of where the material is visible, together with a detailed description of the material, as well as your name and contact information and any other information as is reasonably necessary to allow us to determine whether the content in question infringes.
17. Ownership of software
Fidem Finance (or a third-party) owns any and all software or device(s) Fidem Finance has supplied to you for purposes of enabling access to the Fidem Finance website, and you use same under a non-exclusive, non-assignable license, solely for the intended purpose. Fidem Finance may demand their return at any time without prior notice and you will submit promptly, without retaining any copies.
18. Availability of Fidem Finance website, products and services
The Fidem Finance website is visible across the World Wide Web and is therefore viewed outside the home jurisdiction of Fidem Finance. While you may view the Fidem Finance website from your jurisdiction, this does not infer that the products or services described on the Fidem Finance website are now, or will in the future be, available in your jurisdiction.
MY FIDEM CARD account information service
You are solely responsible for the equipment you use to access this service. We are not responsible for errors or delays or your inability to access this service caused by your equipment.