Terms & Conditions Friday, 20 March 2020

 

BACKGROUND:

This agreement applies as between you, the User of this Web Site and Valley Approvals , the owner(s) of this Web Site. Your agreement to comply with and be bound by these terms and conditions is deemed to occur upon your first use of the Web Site. If you do not agree to be bound by these terms and conditions, you should stop using the Web Site immediately.

 

Definitions and Interpretation

In this Agreement the following terms shall have the following meanings:

 

“Content”

means any text, graphics, images, audio, video, software, data compilations and any other form of information capable of being stored in a computer that appears on or forms part of this Web Site;

“Valley Approvals”

means Valley Approvals.

“Service”

means collectively any online service or information that Valley Approvals makes available through the Web Site either now or in the future;

“System”

means any online communications infrastructure that Valley Approvals makes available through the Web Site either now or in the future. This includes, but is not limited to, web-based email, message boards, live chat facilities and email links;

“User” / “Users”

means any third party that accesses the Web Site and is not employed by Valley Approvals and acting in the course of their employment; and

“Web Site”

means the website that you are currently using www.valleyapprovals.ca

 

 

Intellectual Property

All Content included on the Web Site, unless uploaded by Users, including, but not limited to, text, graphics, logos, icons, images, sound clips, video clips, data compilations, page layout, underlying code and software is the property of Valley Approvals, our affiliates or other relevant third parties. By continuing to use the Web Site you acknowledge that such material is protected by applicable Canadian and International intellectual property and other relevant laws.

You may not reproduce, copy, distribute, store or in any other fashion re-use material from the Web

 

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Site unless otherwise indicated on the Web Site or unless given express written permission to do so by Valley Approvals.

Material from the Web Site may be re-used without written permission where any of the exceptions detailed in Part III of the Copyright Act of Canada (R.S.C., 1985, c. C-42) apply.

Links to Other Web Sites

This Web Site may contain links to other sites. Unless expressly stated, these sites are not under the control of Valley Approvals or that of our affiliates. We assume no responsibility for the content of such web sites and disclaim liability for any and all forms of loss or damage arising out of the use of them. The inclusion of a link to another site on this Web Site does not imply any endorsement of the sites themselves or of those in control of them.

Links to this Web Site

Those wishing to place a link to this Web Site on other sites may do so only to the home page of the site www.valleyapprovals.ca without prior permission. Deep linking (i.e. links to specific pages within the site) requires the express permission of Valley Approvals. To find out more please contact us by email at valleyapprovals@gmail.com or by Phone on 1-888-205-3114.

Privacy

If you make an application, your information may be sent to additional 3rd parties for further loan options who may also search your record with the credit reference agencies. Your information will also be checked with fraud prevention agencies and if false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies to prevent fraud and money laundering.

You authorize us to make all inquiries necessary to verify this information to enable us to consider this application. By agreeing to the terms and conditions when making your application, you are giving your consent for your information to be used by Valley Approvals for administrative, underwriting, marketing and revenue purposes. Under the terms of the act you have the right to obtain a copy of the information held about you upon payment of the appropriate fee.

You agree that, if you have provided Valley Approvals with personal data relating to a third party (1) you have in place all necessary appropriate consents and notices to enable lawful transfer such personal data to Valley Approvals and (2) that you have brought to the attention of any such third party the Privacy Notice available on the Valley Approvals’ website or otherwise provided a copy of it to the third party. You agree to indemnify Valley Approvals in relation to all and any liabilities, penalties, fines, awards or costs arising from your non-compliance with these requirements.

 

Confidentiality

As confidentiality forms a crucial part of our Services and we will always take reasonable steps to ensure that your Confidential Information is not unnecessarily accessed, that it is not disclosed or distributed by our employees or agents. In addition, please note the following.

Confidential Information does not include information that is or becomes publicly known or that was in either you or our lawful possession before it was disclosed.

Also, that we may need to disclose any of your confidential information when a court or a regulatory or administrative body asks us to do so.

Disclaimers

Valley Approvals makes no warranty or representation that the Web Site will meet your requirements, that it will be of satisfactory quality, that it will be fit for a particular purpose, that it will not infringe the rights of third parties, that it will be compatible with all systems, that it will be secure and that all information provided will be accurate. We make no guarantee of any specific results from the use of our Service.

No part of this Web Site is intended to constitute advice and the Content of this Web Site should not be relied upon when making any decisions or taking any action of any kind.

Availability of the Web Site

The Service is provided “as is” and on an “as available” basis. We give no warranty that the Service will be free of defects and / or faults. To the maximum extent permitted by the law we provide no warranties (express or implied) of fitness for a particular purpose, accuracy of information, compatibility and satisfactory quality.

Valley Approvals accepts no liability for any disruption or non-availability of the Web Site resulting from external causes including, but not limited to, ISP equipment failure, host equipment failure, communications network failure, power failure, natural events, acts of war or legal restrictions and censorship.

Application

In order to apply for any loan or other product or service via the Site you must be at least 18 years of age and a Canadian resident.

You must ensure that the details provided by you in your application or at any time thereafter are correct and complete and inform us immediately if there are any changes to those details. If any of the information provided has been falsified or misleading, Valley Approvals reserves the right to immediately reject your application.

Before proceeding with any loan or other product or service with the product provider, you should take independent advice.

We will not be responsible for any breach of these Terms or otherwise for any delay or failure in processing your application for any loan or other product or service where such breach, delay or failure is attributable to you and/or any third party or is otherwise caused by circumstances beyond our control.

You agree not to bring any claim against us arising from your application for or use of any loan or other third party product or service via the Site and, as Valley Approvals will not be a party to any contract or arrangement under which you obtain any loan or other product or service from a third party directly or indirectly through the Site.

Your sole recourse in respect of any performance, non-performance or delay in performance of the contract or arrangement by that third party will be against that third party and subject to all liability of Valley Approvals, its officers, employees, agents, partners, and sub-contractors is excluded to the fullest extent permitted by law.

Limitation of Liability

To the maximum extent permitted by law, Valley Approvals accepts no liability for any direct or indirect loss or damage, foreseeable or otherwise, including any indirect, consequential, special or exemplary damages arising from the use of the Web Site or any information contained therein. Users should be aware that they use the Web Site and its Content at their own risk.

Nothing in these terms and conditions excludes or restricts Valley Approvals’ liability for death or personal injury resulting from any negligence or fraud on the part of Valley Approvals.

Every effort has been made to ensure that these terms and conditions adhere strictly with the relevant provisions of the Unfair Contract Terms Act 1977 (UCTA). However, in the event that any of these terms are found to be unlawful, invalid or otherwise unenforceable, that term is to be deemed severed from these terms and conditions and shall not affect the validity and enforceability of the remaining terms and conditions. This term shall apply only within jurisdictions where a particular term is illegal.

No Waiver

In the event that any party to these Terms and Conditions fails to exercise any right or remedy contained herein, this shall not be construed as a waiver of that right or remedy.

Disclaimer

We do not guarantee that any loans or other products or services offered to you through the Site will meet your requirements. In connection with loans, it is our aim find you a competitive loan from a lender on our panel of lenders. This is based on your application and relevant circumstances. We do not guarantee that any loan which is offered to you is at the cheapest rate and/or on the most favourable terms which are available in the market.

Previous Terms and Conditions

In the event of any conflict between these Terms and Conditions and any prior versions thereof, the provisions of these Terms and Conditions shall prevail unless it is expressly stated otherwise.

Notices

All notices / communications shall be given to us either by phone on 1-888-205-3114 or by email to valleyapprovals@gmail.com. Such notice will be deemed received 3 days after posting if sent by first class post, the day of sending if the email is received in full on a business day and on the next business day if the email is sent on a weekend or public holiday.

Complaints

If you have any complaints or want to report abuse or have concerns about how we are processing your information, please contact us per email using valleyapprovals@gmail.com

Headings

Headings for each section have been included above for your convenience, but such headings do not have any legal meaning, and may not accurately reflect the content of the provisions they precede.

Severability

If any part of these Terms of Services is unlawful, void or determined to be unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions.

Law and Jurisdiction

These terms and conditions and the relationship between you and Valley Approvals shall be governed by and construed in accordance with the Law of Canada and Valley Approvals and you agree to submit to the exclusive jurisdiction of the Canadian Courts.