Terms of use for online services

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alt="" class="print-logo d-none d-print-block" /> <article class="ContentPage"> <div class="container"> <div class="row"> <div class="main-content-area col-12"> <h1> Terms of use for online services </h1> <div class="header_subtitle"> Conditions to use our website and other online services </div> <div id="pageContent"> <div class="row "> <div class="block textblock col-12"> <div data-taxon-component="text" data-taxon-text-title="ctn-content" data-taxon-text-contentid="175587" data-taxon-text-display="default" data-taxon-parent="true" class="text-block-container flex-grow-1 " style=" "> <p>Date last modified: April 24, 2019</p> <p>Here are the Terms of use of for online services. <a href="/en/legal-notice/write-us">Click here</a> to view those specific to the use of Client Space.</p> <ul class="list-style-none x-ml-0 x-mb-5 list-with-arrows"> <li class="d-flex"><a href="/en/legal-notice#1">About our online services</a></li> <li class="d-flex"><a href="/en/legal-notice#2">Your obligations</a></li> <li class="d-flex"><a href="/en/legal-notice#3">Our obligations</a></li> <li class="d-flex"><a href="/en/legal-notice#4">Exclusion of our liability</a></li> <li class="d-flex"><a href="/en/legal-notice#5">About these<span> </span><em>Terms of use</em></a></li> <li class="d-flex"><a href="/en/legal-notice#6">How to contact us</a></li> </ul> <h2>Do you need to read this?</h2> <p>Probably! These Terms of use for online services apply to you if you use our online services. For example, if:</p> <ul> <li>You visit our website, bdc.ca</li> <li>You subscribe to our newsletter</li> <li>You apply online for a loan</li> <li>You use your Client Space and BDC Mobile App (you also need to read the <a href="/en/terms-of-use-client-space">Terms of use for your Client Space and BDC Mobile App</a>)</li> </ul> <p>By using our online services, you agree to follow BDC's Terms of use for online services.</p> <h2 id="1">1. About our online services</h2> <h4>1.1 What are our online services?</h4> <p>Our online services include:</p> <ul> <li>Our website bdc.ca</li> <li>Applying for a loan through our website</li> <li>Your Client Space</li> <li>BDC Mobile App</li> <li>Sending emails</li> <li>Any other online services we may offer</li> </ul> <h4 class="x-mt-4">1.2 We provide information, not advice</h4> <p>On our website and mobile application, we provide information—not advice tailored to your reality—unless we specifically say otherwise. You should not rely on this information without seeking advice from professionals.</p> <h4 class="x-mt-2">1.3 We do our best to provide useful information</h4> <p>We do our best to provide useful information on our website and mobile application. However, we cannot guarantee that the information you have access to is complete, accurate, up-to-date or otherwise reliable for any particular purpose.</p> <p>We monitor our website and mobile application. In case of problems with its content, we may intervene to correct the problem, but we do not guarantee that we will.</p> <h4>1.4 Information may be removed and our services may become unavailable at any time</h4> <p>We do not guarantee that information on our website or mobile application or that our online services will always remain available. You may possibly experience occasional interruptions or delays.</p> <h4>1.5 Our products and services are only offered in Canada</h4> <p>Even though you may access our website or mobile application from anywhere in the world, we only offer our products and services in Canada.</p> <p><a title="Top" class="d-inline-flex x-mb-1 x-mt-5" href="/en/legal-notice#top">Top</a></p> <h2 id="2">2. Your obligations</h2> <h4>2.1 You must take appropriate security measures</h4> <p>If you wish to contact us, do not use your email to send us confidential information. Already a BDC client? Use your Client Space to send us confidential information.</p> <h4>2.2 You must respect our intellectual property rights</h4> <h5>2.2.1 We own everything on our website or mobile application</h5> <p>We own—or are licensed for—all intellectual property rights on our website or mobile application unless we say otherwise. This includes:</p> <ul> <li>All works, such as texts, images, illustrations, designs, software, codes, audio and video clips, and any other content</li> <li>Trademarks and trademarks that are licensed to us</li> </ul> <h4 class="x-mt-4">2.2.2 You must get our authorization in writing for any public or commercial use</h4> <p>No one has permission to make public or commercial use of any content on our website or mobile application, unless we say otherwise.</p> <p>You must get our authorization in writing before using any content from our website or mobile application for:</p> <ul> <li>Modification</li> <li>Copy</li> <li>Distribution</li> <li>Republication</li> <li>Transmission</li> <li>Storage, whatever the medium</li> <li>Sale</li> <li>Any other public or commercial use</li> </ul> <h4 class="x-mt-4">2.3 You must not make an illegal use of our services or any use that could harm us or others</h4> <h5>2.3.1 Do not publish content if you’re not sure you have the right to publish it</h5> <p>By publishing on our website, you guarantee that you do not infringe on anyone’s rights, including their intellectual property rights.</p> <h4>2.3.2 Do not publish content that could harm others or constitute a criminal offence</h4> <p>You must not publish content that could harm others or constitute a criminal offence. For example, you must not publish content that could be defamatory.</p> <h4>2.4 You must reimburse us if we face any liability arising out of how you use our online services</h4> <p>You must reimburse us if we face any liability arising out of:</p> <ul> <li>Your use of our website, our mobile application or the information, products and services offered on our website or mobile application</li> <li>Your failure to follow our Terms of use for online services</li> <li>Your misrepresentations</li> <li>Your violation of another person’s rights</li> </ul> <p>In any of these cases, you agree to compensate us for any claim, demand, cause of action, liability and costs (including reasonable lawyer fees). We will also conduct our defence and assume control of any matter at your expense. You must cooperate with us in asserting our rights.</p> <p><a title="Top" class="d-inline-flex x-mb-1 x-mt-5" href="/en/legal-notice#top">Top</a></p> <h2 id="3">3. Our obligations</h2> <h4>3.1 We serve you in the official language of your choice</h4> <p>We follow the Official Languages Act and Treasury Board of Canada Secretariat policies on official languages. We provide information in English and French.</p> <p>However, we do not have the obligation to link exclusively to external websites where content is available in both official languages.</p> <h4>3.2 We follow our Policy on confidentiality and use of personal and business information</h4> <p>We collect and use your personal information. But we never sell it. To learn what we collect, why, and what your privacy rights are, please read our <a href="/en/confidentiality">Policy on confidentiality and use of personal and business information</a>.</p> <p><a title="Top" class="d-inline-flex x-mb-1 x-mt-5" href="/en/legal-notice#top">Top</a></p> <h2 id="4">4. Exclusion of our liability</h2> <h4>4.1 Exclusion of our liability—We will not compensate you or anyone for any damages arising out of our online services</h4> <p>We will not compensate you or any other person for any damages, claims, costs or losses arising out of our online services.</p> <p>It does not matter whether the damages are a direct consequence of your use of our website/mobile application or not. We will not compensate you for any damage that is indirect, consequential, special, aggravated, punitive, moral or exemplary, in whole or in part.</p> <p>You cannot ask us or the following persons or entities to compensate you:</p> <ul> <li>Our affiliated companies</li> <li>Our agents, employees, directors and officers</li> <li>Any agency or person associated with the creation of our website or mobile application and its content, including their agents, employees,  directors and officers</li> </ul> <p class="x-mt-4">This is true:</p> <ul> <li>Even if we have been negligent</li> <li>Even if we have been advised of the possibility of such damages</li> <li>Regardless of the legal basis of your claim</li> </ul> <p>Sections 4.1.1 to 4.1.6 are examples of cases where we are not liable to you or anyone else.</p> <h4>4.1.1 We are not liable for any use of information on our website or mobile application</h4> <p>We are not liable for any damages linked to anyone using or accessing information on our website or mobile application. As mentioned in section 1.3:</p> <ul> <li>We do not guarantee that information on our website or mobile application is complete, accurate, up-to-date or otherwise reliable for any particular purpose</li> <li>Although we monitor our website, we do not guarantee that we will correct any problem, for any reason</li> </ul> <h4 class="x-mt-4">4.1.2 We are not liable if content becomes unavailable</h4> <p>We are not liable if any content becomes unavailable at any time. As mentioned in section 1.4:</p> <ul> <li>We may remove any information or content from our website or mobile application at any time</li> <li>We cannot guarantee that external content or downloadable software will remain available</li> </ul> <h4 class="x-mt-2">4.1.3 We are not liable for linking to external content</h4> <p>We are not liable for any damages in connection with linking to external websites. We do not review or monitor external websites and resources we link to, and we do not endorse the views expressed on those websites. Links to external websites or resources are for your convenience only and you use them at your own risk.</p> <h4>4.1.4 We are not liable for software you download</h4> <p>We are not liable for any damages arising out of your downloading or installing software we link to. Links to software downloads are for your convenience only and you use them at your own risk. It is your responsibility to avoid difficulties, data loss and viruses.</p> <h4>4.1.5 We are not liable if confidential information you send us is intercepted, lost or disclosed</h4> <p>We cannot guarantee that confidential or sensitive information you send us over the Internet will never be intercepted, lost or disclosed. We are not liable if this happens.</p> <h4>4.1.6 We are not liable for interruptions and delays</h4> <p>We cannot guarantee that our online services will always be available. In case of interruptions or delays, we are not liable for any damages. For example, we are not liable if you cannot contact us or if there is an unusual delay for you to get a loan from us.</p> <p><a title="Top" class="d-inline-flex x-mb-1 x-mt-5" href="/en/legal-notice#top">Top</a></p> <h2 id="5">5. About these Terms of use</h2> <h4>5.1 We can change the Terms of use for online services at any time without notifying you</h4> <p>The Terms of use for online services apply to you upon your first visit. We may update them at any time without notifying you.</p> <p>If you come back later and we have updated the Terms of use for online services since your last visit, you agree to follow the updated version.</p> <h4>5.2 How to read and interpret the Terms of use for online services</h4> <h5>5.2.1 Additional terms apply for specific services</h5> <p>Additional terms for certain products or services may apply to you. For example, for your Client Space, you should also read the <a href="/en/terms-of-use-client-space">Terms of use for your Client Space and BDC Mobile App</a> and any loan agreements you have with us.</p> <h4>5.2.2 The Terms of use for online services remain valid even if a provision is invalid</h4> <p>If a judge decides that any part of the Terms of use for online services is invalid, illegal, void or otherwise unenforceable, all other provisions remain valid.</p> <h4>5.2.3 The laws of Quebec and Canada apply</h4> <p>The laws of Quebec and Canada govern the Terms of use for online services and any additional terms. Neither of us can invoke principles of conflict of laws to argue that other laws should apply.</p> <p>Terms for specific services, such as loan agreements, may be governed by the laws of the province or territory where you receive the services.</p> <h4>5.2.4 Quebec courts have jurisdiction</h4> <p>We both agree to submit any claim arising out of these Terms of use for online services to the courts of the Province of Quebec. No other court or alternative dispute resolution mechanism has jurisdiction.</p> <p><a title="Top" class="d-inline-flex x-mb-1 x-mt-5" href="/en/legal-notice#top">Top</a></p> <h2 id="6">6. How to contact us</h2> <p><a href="/en/legal-notice/write-us">Send us a message</a><br>Call us at <a href="tel:+18772322269">1-877-232-2269</a><br>Mail us a letter:<br>Business Development Bank of Canada<br>5, Place Ville Marie, Ground floor<br>Montreal, Quebec<br><span class="white-space-nowrap">H3B 2G2</span></p> <p>Note: The masculine is used without prejudice and only for the sake of readability.</p> </div></div> </div> </div> </div> </div> </div> </article> </main> <footer data-taxon-component=footer data-taxon-footer-title=legal-notice data-taxon-footer-contentid=87756 data-taxon-footer-display=default data-taxon-parent=true class="footer"> <div class="bg-neutral-alternate neutral-dark-theme x-py-3 border-bottom-1 border-neutral-alternate-medium"> <div class="container"> <div class="text-center"><div class="block bdcformcontainerblock col-12"> <div id="BDCFormContainerBlock" class=" " style="" data-form-asset-name="Footer-EN" data-form-eloqua-name="subscription--General-form"> <div class="row "> <div class="block formwithcolumnsblock col-12"> <form method="post" novalidate="novalidate" data-f-metadata="" enctype="multipart/form-data" class="EPiServerForms ValidationSuccess" data-f-type="form" id="14a1febb-7a00-4226-a660-884e6dbc4ca7" data-f-async-submit="true"> <script type="text/javascript"> // This view acts as a rendering template to render InitScript(and server-side Form's descriptor) in FormContainerBlock's client-side for Form[14a1febb-7a00-4226-a660-884e6dbc4ca7]. // TECHNOTE: all serverside (paths, dynamic values) of EPiServerForms will be transfered to client side here in this section. 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StepsInfo : { Steps: [{"index":0,"attachedUrl":"","dependField":null,"dependCondition":null,"isActive":true,"attachedContentLink":"","dependValue":"","elementName":"__field_","guid":"00000000-0000-0000-0000-000000000000"}] }, FieldsExcludedInSubmissionSummary: [], ElementsInfo: JSON.parse("{\"__field_121818\":{\"type\":\"www.bdc.ca.Features.Blocks.SectionFormBlock.SectionFormBlock\",\"friendlyName\":\"Section header\",\"customBinding\":false},\"__field_190902\":{\"type\":\"www.bdc.ca.Features.Blocks.FormDataEmailElementBlock.FormDataEmailElementBlock\",\"friendlyName\":\"emailAddresswithplaceholder\",\"customBinding\":false},\"__field_190931\":{\"type\":\"www.bdc.ca.Features.Blocks.FormDataSubmitButtonElementBlock.FormDataSubmitButtonElementBlock\",\"friendlyName\":\"submitSubscribe\",\"customBinding\":false},\"__field_111448\":{\"type\":\"www.bdc.ca.Features.Blocks.FormElementsContainerBlock.FormElementsContainerBlock\",\"friendlyName\":\"emailSubmitContainerfooter\",\"customBinding\":false}}"), DataSubmitController: "/EPiServer.Forms/DataSubmit" }; /// TECHNOTE: Calculation at FormInfo level, and these values will be static input for later processing. workingFormInfo.StepsInfo.FormHasNoStep_VirtualStepCreated=true; // this FLAG will be true, if Editor does not put any FormStep. Engine will create a virtual step, with empty GUID workingFormInfo.StepsInfo.FormHasNothing=false; // this FLAG will be true if FormContainer has no element at all workingFormInfo.StepsInfo.AllStepsAreNotLinked=true; // this FLAG will be true, if all steps all have contentLink= ="" (emptyString) epi.EPiServer.SystemSettings = { RequestVerification: { FormFieldName: "__RequestVerificationToken", HeaderName: "RequestVerificationToken" } }; })(); </script> <input type="hidden" class="Form__Element Form__SystemElement FormHidden FormHideInSummarized" name="__FormGuid" value="14a1febb-7a00-4226-a660-884e6dbc4ca7" data-f-type="hidden" autocomplete="off"> <input type="hidden" class="Form__Element Form__SystemElement FormHidden FormHideInSummarized" name="__FormHostedPage" value="87756" data-f-type="hidden" autocomplete="off"> <input type="hidden" class="Form__Element Form__SystemElement FormHidden FormHideInSummarized" name="__FormLanguage" value="en-CA" data-f-type="hidden" autocomplete="off"> <input type="hidden" class="Form__Element Form__SystemElement FormHidden FormHideInSummarized" name="__FormCurrentStepIndex" value="0" data-f-type="hidden" autocomplete="off"> <input type="hidden" class="Form__Element Form__SystemElement FormHidden FormHideInSummarized" name="__FormTotalSteps" value="1" data-f-type="hidden" autocomplete="off"> <input type="hidden" class="Form__Element Form__SystemElement FormHidden FormHideInSummarized" name="__FormSubmissionId" value="" data-f-type="hidden" autocomplete="off"> <input name="__RequestVerificationToken" type="hidden" value="CfDJ8KDEeL0vROJFpsnP-v_9iNaYI8Z8SEiMrPfjSfipN5e2bauBvDcgy_9NzLJrFVxAovpCfgqCaWA4QHUOUaiTA7BS_vquWiFao56GeIniJP3IKJJ6rOkDt_GV0P89o4_cTJWMbKQyNarzqYfBRamhMHg"> <div class="Form__Status"> <div role="alert" aria-live="polite" class="Form__Status__Message hide" data-f-form-statusmessage=""> </div> </div> <div data-f-mainbody="" class="Form__MainBody" data-f-stepcount="1" data-taxon-component="form" data-taxon-form-title="casl--subscription--footer" data-taxon-form-contentid="116036" data-taxon-form-display="default"> <section id="__field_" data-f-type="step" data-f-element-name="__field_" class="Form__Element FormStep Form__Element--NonData " data-f-stepindex="0" data-f-element-nondata=""> <div class="row "> <div class="block sectionformblock col-12 col-md-4 flex-md-box"> <div> <h4>Stay informed</h4></div> </div><div class="block formdataemailelementblock col-12 col-md-4 flex-md-box"> <div class="Form__Element FormTextbox form-email ValidationRequired" data-f-element-name="__field_190902" data-f-type="textbox"> <label for="5291eaa2-3f8a-41bd-b822-489d3eabba0c" class="Form__Element__Caption empty-label "></label> <input name="__field_190902" id="5291eaa2-3f8a-41bd-b822-489d3eabba0c" type="text" class="FormTextbox__Input" aria-describedby="__field_190902_desc" placeholder="Email address" required="" aria-required="true" data-f-datainput="" aria-invalid="false" data-name="emailAddresswithplaceholder" data-guid="5291eaa2-3f8a-41bd-b822-489d3eabba0c"> <span class="Form__Element__ValidationError hidden" data-f-linked-name="__field_190902" data-f-validationerror="" id="__field_190902_desc"></span> <script type="module"> if (window.location.href.indexOf("pop=") > -1) { import("/assets/js/modules/form/open-fancybox.min.js"); } </script> </div></div><div class="block formdatasubmitbuttonelementblock col-12 col-md-4 flex-md-box"> <button id="0e81b37c-0181-43e5-8b7d-f30726cc7cfa" name="submit" type="submit" value="0e81b37c-0181-43e5-8b7d-f30726cc7cfa" data-f-is-finalized="false" data-f-is-progressive-submit="true" data-f-type="submitbutton" data-f-element-name="__field_190931" class="Form__Element FormExcludeDataRebind FormSubmitButton form-submit cta-primary " data-name="submitSubscribe"> Subscribe</button></div> </div> <input name="__field_190912" id="b699fb25-4967-4488-856a-21732f0d204d" value="" type="hidden" class="Form__Element FormHidden FormHideInSummarized" data-f-type="hidden" data-name="googleAnalyticsId" data-guid="b699fb25-4967-4488-856a-21732f0d204d"> <input name="__field_116044" id="3b116bd2-9a81-4371-a1c6-604e087ca1cc" value="footer-EN" type="hidden" class="Form__Element FormHidden FormHideInSummarized" data-f-type="hidden" data-name="landingPageOrigin" data-guid="3b116bd2-9a81-4371-a1c6-604e087ca1cc"> <input name="__field_190922" id="dbddedd3-e5b4-4e75-ae51-feedafc74c00" value="" type="hidden" class="Form__Element FormHidden FormHideInSummarized" data-f-type="hidden" data-name="campaignActivityGuid" data-guid="dbddedd3-e5b4-4e75-ae51-feedafc74c00"> <input name="__field_190914" id="12c8d126-c6da-4733-aeb9-163e505dadb0" value="" type="hidden" class="Form__Element FormHidden FormHideInSummarized" data-f-type="hidden" data-name="campaignCode" data-guid="12c8d126-c6da-4733-aeb9-163e505dadb0"> <input name="__field_190920" id="cf5b8387-ac14-4174-be69-1a2a082d5267" value="" type="hidden" class="Form__Element FormHidden FormHideInSummarized" data-f-type="hidden" data-name="campaignName" data-guid="cf5b8387-ac14-4174-be69-1a2a082d5267"> <div id="1929606c-57f5-4a0d-9b91-d62b99dca7f5" class="Form__Element Form__CustomElement FormRecaptcha x-m-0" data-epiforms-element-name="__field_190925" data-epiforms-sitekey="6LcK3bEZAAAAAMF2wpj2euXxBBvZp5fgbflykBQk"> <span role="alert" aria-live="polite" data-epiforms-linked-name="__field_190925" class="Form__Element__ValidationError hidden"> </span> </div> </section> </div> </form> </div> </div> </div></div><div class="block textblock col-12"> <div data-taxon-component="text" data-taxon-text-title="Text-under-footer" data-taxon-text-contentid="3799" data-taxon-text-display="default" data-taxon-parent="true" class="text-block-container flex-grow-1 " style=" "> <p class="smaller-font">Subscribe to receive, via email, business advice, articles and tools as well as information about our solutions and events. 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From now on, we refer Forms own jQuery as $$epiforms. // after this code, the object $ and jQuery will revert back to its original meaning in original library (Alloy jQuery or other lib). // Our clients' sites may include their own Jquery version (e.g. a higher version for some special functionalities), which leads to unexpected conflicts with ours. // To avoid this, we use jQuery.noConflict() to set up $$epiforms as an allias for our jquery and then, revert Jquery allias to clients' by using // epi.EPiServer.Forms.OriginalJQuery whose value is set up as Jquery at the beginning in FormBlockController. // This also allows us to extend our own Jquery's functionalities without causing further conflicts. var $$epiforms = epi.EPiServer.Forms.InjectFormOwnJQuery ? jQuery.noConflict() : jQuery; if (epi.EPiServer.Forms.OriginalJQuery) { jQuery = epi.EPiServer.Forms.OriginalJQuery; delete epi.EPiServer.Forms.OriginalJQuery; } (function () { var externalScript = ["/Util/EPiServer.Forms.Samples/jquery-ui/jquery-ui.min.js","/assets/js/modules/jquery.ui.datepicker-fr-ca.min.js","/assets/js/modules/form/custom-form-validators.min.js","/Util/EPiServer.Forms.Samples/jquery-ui/jquery-ui.min.js","/Util/EPiServer.Forms.Samples/js/EPiServerFormsSamples.js","https://www.google.com/recaptcha/api.js?render=6LcK3bEZAAAAAMF2wpj2euXxBBvZp5fgbflykBQk"], externalCss = ["/Util/EPiServer.Forms.Samples/css/EPiServerFormsSamples.css","/Util/EPiServer.Forms.Samples/jquery-ui/jquery-ui.min.css","/Util/EPiServer.Forms.Samples/jquery-ui/jquery-ui.structure.min.css","/Util/EPiServer.Forms.Samples/jquery-ui/jquery-ui.theme.min.css"]; if (epi.EPiServer.Forms.ExternalScriptSources) { externalScript = epi.EPiServer.Forms.ExternalScriptSources.concat(externalScript); // Remove duplicate items externalScript = externalScript.filter(function (value, index, self) { return self.indexOf(value) === index; }); } if (epi.EPiServer.Forms.ExternalCssSources) { externalCss = epi.EPiServer.Forms.ExternalCssSources.concat(externalCss); // Remove duplicate items externalCss = externalCss.filter(function (value, index, self) { return self.indexOf(value) === index; }); } $$epiforms.extend(true, epi.EPiServer, { CurrentPageLink: "87756", CurrentPageLanguage: "en-CA", CurrentFormLanguage: "en-CA", Forms: { Utils: {}, Data: {}, Extension: {}, Validation: {}, Navigation: {}, Dependency: {}, $: $$epiforms, // save our own link to our own jQuery ThrottleTimeout: 500, // miliseconds ExternalScriptSources: externalScript, ExternalCssSources: externalCss, UploadExtensionBlackList: "asp,aspx,asa,ashx,asmx,bat,chm,class,cmd,com,config,dll,exe,hta,htr,htw,jse,json,lnk,mda,mdb,msc,msh,pif,printer,ps1,ps2,reg,rem,scf,scr,sct,shtm,shtml,soap,stm,svc,url,vb,vbe,vbs,vsix,ws,wsc,wsf,wsh,xamlx,htm,html,js,jar", Messages: {"viewMode":{"malformStepConfiguration":"Improperly formed FormStep configuration. 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