Terms of Use

Please read these terms carefully before using this website. Your use of this website indicates that you understand and accept these terms. Your acceptance of these terms creates a legally binding agreement between you and BC Financial Services Authority (“BCFSA”).

Ownership of Website and Works

This website is protected under the copyright laws of Canada. This website and all text, audio, or visual recordings on this website and in all publications of BCFSA (“Works”) and related all copyright and other intellectual property rights are owned by BCFSA unless otherwise indicated. All rights not expressly granted to you in these terms are reserved.

The Works may not be reproduced or redistributed in any form, in whole or in part, for commercial use, except with the written permission of BCFSA.

BCFSA grants permission for the private or educational use of the Works without profit, except any portion thereof that bears the name of or credit to a third-party creator, provided the ownership and copyright notices, disclaimers and other notices on any such Works remain on the Works. Works found on or through this website that bear the name of or credit to a third-party creator require the permission of the third-party creator for any reproduction or other use unless otherwise indicated.

If you have questions regarding ownership or use of the Works, please contact BCFSA at communications@bcfsa.ca.

Access to this Website

We may deny access to this website to any person who fails to comply with these terms or for any other reason that we, in our discretion, consider appropriate.

No Unlawful or Prohibited Use

Without limiting the generality of the foregoing, you will not (and will not attempt to):

• (a) send, upload, collect, transmit, store, use, post, publish, or otherwise communicate on this website any data, information, pictures, videos, music or other materials or content that:

• (i) contains any computer viruses, worms, malicious code, or any software intended to damage or alter a computer system or data;

• (ii) constitutes unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation;

• (iii) you do not have the lawful right to send, upload, collect, transmit, store, use, publish, or otherwise communicate;

• (iv) is false, intentionally misleading, or impersonates any other person;

• (v) is bullying, harassing, abusive, threatening, vulgar, obscene, or offensive, or that contains pornography, nudity, or graphic or gratuitous violence, or that promotes violence, racism, discrimination, bigotry, hatred, or physical harm of any kind against any group or individual;

• (vii) violates any applicable laws, or infringes, violates or otherwise misappropriates the intellectual property or other rights of any third party (including any moral right, privacy right or right of publicity); or

• (viii) encourages any conduct that may violate any applicable laws or would give rise to civil or criminal liability;

• (b) harvest or otherwise collect or store any information (including personal information) about other users of this website, including email addresses, without the express consent of such users;

• (c) disable, overly burden, impair, or otherwise interfere with servers or networks connected to this website (e.g., a denial of service attack);

• (d) attempt to gain unauthorized access to this website, other computer systems or networks connected to this website, through password mining or any other means;

• (e) use any data mining, robots, or similar data gathering or extraction methods, or copy, modify, reverse engineer, reverse assemble, disassemble, or decompile this website or any part thereof or otherwise attempt to discover any source code;

• (f) use, download or otherwise copy, or provide to any person or entity any website users directory or other user or usage information or any portion thereof other than in the context of your use of this website;

• (h) use this website other than as permitted by these terms.

Communications Not Confidential

Unless expressly stated otherwise on this website, we do not guarantee confidentiality of any communications made by you through this website. We do not guarantee the security of data transmitted over the internet or public networks in connection with your use of this website.

For more information on how we collect, access, use, disclose, and store your personal information, please see our Privacy Policy.

Disclaimer of Liability

The information contained on this website is provided for general information purposes only. It does not constitute legal or other professional advice. Although we make reasonable efforts to update the information on this website, we make no representations, warranties, or guarantees, whether express or implied, that the content on this website is accurate, complete, or up to date. Changes to the information on this website may be made at any time without prior notice.

For clarification of any item on this website or for more specific information, please contact BCFSA at (604) 660-3555 or email info@bcfsa.ca.

Limitation of Liabilities

Under no circumstances will BCFSA be liable to you or any other person or business entity for any direct, indirect, special, incidental, consequential, or other damages based on any use of this website, any other website to which this website is linked or any of the Works, including, without limitation, any lost profits, business interruption, or loss of programs or information, even if BCFSA has been specifically advised of the possibility of such damages. You hereby irrevocably waive any and all rights and claims you may have against BCFSA in respect of any of the foregoing. In this paragraph, references to BCFSA include BCFSA’s directors, officers, employees and agents.

Third Party Links

This website contains links to other websites. . If you decide to access these third party websites through a link on this website, you do this at your sole risk. BCFSA provides these links for your convenience only, and is not responsible for the content of any linked website and makes no representation or warranty or endorsement whatsoever regarding any third party website (or the contents of such websites) which you may access through this website. Different terms and conditions may apply to your use of such third party websites and you are advised to review such terms and conditions prior to usage. Further, the providers of such third party websites may have privacy policies and practices that are different from our Privacy Policy. You are advised to check the privacy policies and practices of such providers and contact the operator if you have any concerns or questions.

Linking to this Website

You may link to BCFSA’s website subject to these terms and conditions:

1. You may link to, but must not replicate, our content on your website.
2. You must either transfer visitors’ full screen to our website or launch our website in a new browser window.  Our content must not appear in the frames of other pages, nor be accompanied in any way by third-party information that may imply our affiliation with, or endorsement of, the third-party site or their frame.
3. BCFSA may at any time, in our sole discretion, immediately terminate your right to link to this website, with or without cause. If we exercise this right, you will immediately remove all links to this website.

Changes

We reserve the right at any time and from time to time to modify or discontinue, temporarily or permanently, this website (or any part thereof) with or without notice.

These terms are subject to change. Changes will be effective when the changed terms are posted on this website. Your continued use of this website after changes to the terms are posted thereon will constitute acceptance of the changes.