Legal Terms and Conditions of Use

These terms and conditions (the “Terms”) govern your use of the Stnce.ca website (the “Website”). By viewing, accessing or otherwise using the Website, you agree to be bound by these Terms. You understand, agree and acknowledge that these Terms constitute a legally binding agreement between you and Equitable Bank, a Schedule I Canadian bank, and that your use of the Website indicates your acceptance of these Terms.

No Advice, Offer or Solicitation

The views and opinions expressed on the Website are those of the contributor(s) and do not necessarily reflect those of Equitable Bank. Any information provided is for information purposes only and is not intended to constitute financial advice, or as an offer, endorsement or solicitation of a product or service by Equitable Bank. Equitable Bank makes no representations as to the validity, accuracy, completeness or suitability of any Website content. You should seek the advice of a qualified professional or undertake your own research before making financial decisions.

No Warranty

You understand and agree that your use of the Website is entirely at your own risk and that access to the Website and any information on it is provided on an “as is” and “as available” basis. Equitable Bank does not make any express or implied warranties, endorsements or representations whatsoever as to the operation or reliability of the Website, or any information or content provided thereon, including third-party content. You agree and acknowledge that Equitable Bank may modify, improve or discontinue any part of the Website, at its sole discretion and without notice to you, even if doing so limits or prevents you from accessing the Website.

Proprietary Rights

All information on the Website is protected under the copyright laws of Canada and/or other countries. Certain names, words, titles, phrases, logos, graphics or designs on the Website are owned by Equitable Bank or other third parties and used under license by Equitable Bank. Notwithstanding the foregoing, nothing on the Website shall be construed as conferring any license of any intellectual property right.

Users of the Website are entitled to view and use Website content for personal, non-commercial purposes, provided, however, that they may in no way republish or reproduce any content without the prior written consent of Equitable Bank. Except as explicitly provided, no one has permission to copy, redistribute, reproduce or republish any Website content.

Limitation of Liability

In no event shall Equitable Bank or any of its affiliates be liable for any direct, indirect, incidental, punitive, special, or consequential damages, or any damages whatsoever, arising out of or in connection with the use, misuse or inability to use the Website. These limitations shall apply whether or not Equitable Bank has been advised of or should have been aware of the possibility of such damages.

External Content

Links to third-party content, advertising or websites may be provided on the Website. Equitable Bank is not responsible for the accuracy, reliability or currency of these sources. You understand that the use of third-party links will be at your own risk and that, by clicking on these links, you will be leaving the Website.

General Information

Certain portions of the Website may contain separate disclosures, terms and conditions, which are in addition to these Terms. In the event of a conflict with these Terms, the other provisions will govern with respect that portion of the Website.

If any provision of these Terms is found to be invalid or unenforceable, the enforceability of the remainder of the Terms will not be affected, and these Terms shall continue in full force and effect as if they had been agreed to without the invalid or unenforceable portion.

These Terms are governed by the laws of the Province of Ontario, and the laws of Canada applicable therein. You hereby submit to and are bound by those laws and the courts of Ontario.

Changes to Terms

Equitable Bank reserves the right to modify these Terms from time to time without any notice to you. Changes to the Terms become effective on the date they are made available on the Website and your continued use of the Website after the effective date will signify your agreement to be bound by the changes.

Equitable Bank Marketing Names

EQ Bank is a trademark of Equitable Bank, used under license.

Stnce is a trademark of Equitable Bank, all rights reserved.