Important! Your Access to This Website Is Subject to Legally Binding Terms and Conditions. Carefully Read All of the Following Terms and Conditions Before Proceeding. Accessing This Website Is the Equivalent of Your Signature and Indicates Your Acceptance of These Terms and Conditions and That You Intend to Be Legally Bound by Them. If You Do Not Agree with These Terms and Conditions, Please Exit the Website Now.

This is an agreement between you (“You”) and Accord Financial (Accord). “We” and “us” means both “you” and Accord. The effective date of this agreement is when you accept or are deemed to accept this agreement in accordance with the procedure as set out here.

You hereby consent to the exchange of information and documents between us electronically over the internet or by email; if to you, the email you have supplied to us, or if to Accord,, and that this electronic agreement shall be the equivalent of a written paper agreement between us.

Restrictions on Use

You agree that you will not:

  1. Distribute the content for any purpose, including without limitation: compiling an internal database, redistributing or reproduction of the content by the press or media or through any commercial network, cable or satellite system; or
  2. Create derivative works of, reverse engineer, decompile, disassemble, adapt, translate, transmit, arrange, modify, copy, bundle, sell, sub-license, export, merge, transfer, adapt, loan, rent, lease, assign, share, outsource, host, publish, make available to any person or otherwise use, either directly or indirectly, the content in whole or in part, in any form or by any means whatsoever, be they physical, electronic or otherwise. You shall not permit, allow or do anything that would infringe or otherwise prejudice the proprietary rights of Accord or its licensors or allow any third-party to access the content. The restrictions set out in this agreement shall not apply to the limited extent the restrictions are prohibited by applicable law.

License to Use Your Information

With the exception of personal information, you hereby grant to Accord the perpetual, unlimited, royalty-free, worldwide, non-exclusive, irrevocable, transferable license to run, display, copy, reproduce, publish, bundle, distribute, market, create derivative works of, adapt, translate, transmit, arrange, modify, sub-license, export, merge, transfer, loan, rent, lease, assign, share, outsource, host, make available to any person or otherwise use, any information or other content you provide on or through this web site or which is sent to Accord by email or other correspondence, including without limitation, any ideas, concepts, inventions, know-how, techniques or any intellectual property contained therein, for any purpose whatsoever. Accord shall not be subject to any obligations of confidentiality regarding any such information unless specifically agreed by Accord in writing or required by law. You represent and warrant that you have the right to grant the license set out above.

Personal Information

This website may contain one or more forms which invite you to supply personal information. Any information that you supply to us will be delivered by electronic mail and stored at our offices, where it will be stored securely and only passed on to third parties with your prior consent. We collect and use your personal information with your consent or as permitted or required by the law and in alignment with Canada’s Anti-Spam Law (CASL). Your consent may be express or implied, depending on the circumstances and the sensitivity of the personal information in question. If you do not consent to the terms and conditions of our privacy policy, please do not provide your personal information. At any point, you may opt out of receiving Commercial Electronic Messages (CEMs) from us. Simply click on the Unsubscribe button on the bottom of our CEMs. We take full accountability and responsibility for CASL compliance.

Limitations on Liability and Disclaimers

This website and its content are not to be construed as a form of promotion or an offer to sell any product or service. This website may contain links to other sites. Accord does not assume responsibility for the accuracy or appropriateness of the information, data, opinions, advice, or statements contained at such sites, and when you access such sites, you are doing so at your own risk. In providing links to the other sites, Accord is in no way acting as a publisher or disseminator of the material contained on those other sites and does not seek to monitor or control such sites. A link to another site should not be construed to mean that the Company is affiliated or associated with same. The company does not recommend or endorse any of the content, including without limitation any hyperlinks to or content found, on other sites. The mention of another party or its product or service on this web site should not be construed as an endorsement of that party or its product or service.

Accord will not be responsible for any damages you or any third-party may suffer as a result of the transmission, storage or receipt of confidential or proprietary information that you make or that you expressly or implicitly authorize Accord to make, or for any errors or any changes made to any transmitted, stored or received information.

You are solely responsible for the retrieval and use of the content. You should apply your own judgment in making any use of any content, including, without limitation, the use of the information as the basis for any conclusions.

The content may not be accurate, up to date, complete or untampered, and is not to be relied upon.

The content is provided for informational purposes only and should not be interpreted as a recommendation for any specific product or service, use or course of action, except as expressly provided in this agreement, this site and all content, products, services and software on this site or made available through this site are provided “as is” without any representations, warranties, guarantees or conditions, of any kind, whether express or implied, statutory or otherwise, including but not limited to, warranties as to uninterrupted or error free operation, availability, accuracy, completeness, currency, reliability, timeliness, legality, suitability, privacy, security, merchantability, quality, title, non-infringement or fitness for a particular purpose, or those arising out of a course of dealing or usage of trade.

In no event will accord, its affiliates, agents, licensors, suppliers, or their respective directors, officers or employees be liable for any special, indirect, incidental, punitive, exemplary, aggravated, economic or consequential damages, howsoever caused, including but not limited to: damages for loss of use, lost profits or lost savings, even if the company or any of its lawful agents or employees have been advised of the possibility of such damages or claim.

In no event will accord, its affiliates, agents, licensors, suppliers, or their respective directors, officers or employees, be liable for damages or losses resulting from: viruses, data corruption, failed messages, transmission errors or problems; telecommunications service providers; links to third-party web sites; the internet backbone; personal injury; third-party content, products or services; damages or losses caused by you, or your respective employees, agents or subcontractors; loss of use or lack of availability of facilities including computer resources, routers and stored data; the use or inability to use this web site or the content; any other web site accessed to or from this web site; or events beyond the reasonable control of the company, even if the company or any of its lawful agents, or employees have been advised of the possibility of such damages or claim.

In no case will accord’s, its affiliates’, agents’, licensors’, suppliers’, and their respective directors’, officers’ and employees’ cumulative total liability arising under any cause whatsoever (including without limitation breach of contract, tort, negligence, gross negligence, or otherwise) be for more than $100 (one hundred dollars).

Accord assumes no obligation to update the content on this site. The content on this site may be changed without notice to you. Accord is not responsible for any content or information that you may find undesirable or objectionable. Accord disclaims any liability for unauthorized use or reproduction of any portion of the website. Accessing the content from territories where it may be illegal is prohibited.


This Agreement is effective until terminated by the Company, with or without cause, in the Company’s sole and unfettered discretion. The Company may terminate this Agreement without notice to You if You fail to comply with any of its terms. Any such termination by the Company shall be in addition to and without prejudice to such rights and remedies as may be available to the Company, including injunction and other equitable remedies.

The disclaimers, limitations on liability, ownership, termination, interpretation, Your license to the Company, Your warranty and the indemnity provisions of this Agreement shall survive the termination or expiry of this Agreement.


You agree at all times to indemnify, defend and hold harmless Accord, its agents, suppliers, affiliates and their respective directors and employees against all actions, proceedings, costs, claims, damages, demands, liabilities and expenses whatsoever (including legal and other fees and disbursements) sustained, incurred or paid by Accord directly or indirectly in respect of:

  1. Any information or other content you provide on or through this web site or by email or other correspondence; or
  2. Your use or misuse of the content or this web site, including without limitation infringement claims.

Governing Law

Accord is physically located within the province of Ontario, Canada. This agreement will be governed by the laws of the province of Ontario and the federal laws of Canada and shall be treated in all respects as an Ontario contract, without reference to the principles of conflicts of law. In the event of a dispute, we agree to submit to the non-exclusive jurisdiction of the Ontario courts. We expressly exclude the UN Convention on Contracts for the International Sale of Goods, and the International Sale of Goods Act Ontario as amended, replaced or re-enacted from time to time. You agree to waive any right you may have to:

  1. a trial by jury; and
  2. commence or participate in any class action against Accord related to this website, the content or this agreement and, where, applicable, you also agree to opt out of any class proceedings against Accord or its licensors.

We have required that this agreement and all documents relating thereto be drawn-up in English. Nous avons demandé que cette convention ainsi que tous les documents qui s’y rattachent soient rédigés en anglais.


The division of this agreement into sections and the insertion of headings are for convenience of reference only and shall not affect the construction or interpretation of this agreement. In this agreement, words importing the singular number include the plural and vice versa, words importing gender include all genders; and words importing persons include individuals, sole proprietors, partnerships, corporations, trusts and unincorporated associations.

Entire Agreement

This agreement may be amended from time to time in accordance with the provisions of Section 12, and any and all other legal notices and policies on this web site, constitute the entire agreement between you and Accord with respect to the use of this website and content.

Amendment and Waiver

Accord reserves the right, in its discretion, to amend this agreement at any time by posting amendments on this web site. You are responsible for periodically reviewing the amendments on this website and you are deemed to be aware of such amendments. If you do not agree to the amended terms and conditions, you shall immediately stop using this site. Access to or use of this site after any amendments have been posted shall constitute your acknowledgement and acceptance of the amended terms and conditions. No supplement, modification or amendment to this agreement and no waiver of any provision of this agreement shall be binding on Accord unless executed by Accord in writing. No waiver of any of the provisions of this agreement shall be deemed or shall constitute a waiver of any other provision (whether or not similar) nor shall such waiver constitute a continuing waiver unless otherwise expressly provided.


Any provision of this agreement which is held by a court of competent jurisdiction to be illegal, invalid or unenforceable in such jurisdiction shall, as to that jurisdiction, be ineffective to the extent of such illegality, invalidity or unenforceability and shall otherwise be enforced to the maximum extent permitted by law, all without affecting the remaining provisions of this agreement or affecting the legality, validity or enforceability of such provision in any other jurisdiction.


This Agreement shall enure to the benefit of and be binding upon each of us and our respective successors and permitted assigns.

You acknowledge having read this agreement before accepting it, having the authority to accept this agreement and having received a copy.