Retireabilityscore.com

Terms of Use

0909709 BC Ltd. (“retireabilityscore.com”) provides this website and its services to you subject to the following notices, terms, and conditions. Please note that when you use the retireabilityscore.com website or any of its services, you will be subject to the rules, guidelines, policies, terms, and conditions provided herein.

Please read these terms and conditions carefully. By accessing this web site and any pages hereof, you are indicating that you have read, acknowledge and agree to be bound by these Terms of Use. If you do not agree to these Terms of Use, do not access this web site. Retireabilityscore.com reserves the right to change these Terms of Use which you are responsible for regularly reviewing and your continued use of this web site constitutes agreement to all such changes.

Retireabilityscore.com reserves the right, in its sole discretion, without any obligation and without any notice requirement, to change, improve or correct the information, materials and descriptions on this web site and to suspend and/or deny access to this web site for scheduled or unscheduled maintenance, upgrades, improvements or corrections. The information and materials on this web site may contain typographical errors or inaccuracies. Any dated information is published as of its date only, and retireabilityscore.com does not undertake any obligation or responsibility to update or amend any such information. Retireabilityscore.com may discontinue or change any product or service described in or offered on this web site at any time.

Privacy & Cookies

Retireabilityscore.com may use personal data as part of and/or in connection with your access and/or use of this web site. This includes using cookies and similar technology to collect information about your use of our web site and your preferences. To find out more information about how retireabilityscore.com uses personal data, see our Privacy Policy.

By accessing or using this web site you consent to retireabilityscore.com using personal data and using cookies as further detailed in our Privacy Policy.

Disclaimer of Liability

THIS WEBSITE AND THE CONTENT ARE PROVIDED ON AN "AS IS, AS AVAILABLE" BASIS. RETIREABILITYSCORE.COM EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. RETIREABILITYSCORE.COM DISCLAIMS ALL RESPONSIBILITY FOR ANY LOSS, INJURY, CLAIM, LIABILITY, OR DAMAGE OF ANY KIND RESULTING FROM, ARISING OUT OF OR ANY WAY RELATED TO (A) ANY ERRORS IN OR OMISSIONS FROM THIS WEBSITE AND THE CONTENT INCLUDING, BUT NOT LIMITED TO, TECHNICAL INACCURACIES AND TYPOGRAPHICAL ERRORS, (B) THIRD PARTY COMMUNICATIONS, (C) ANY THIRD PARTY WEBSITES OR CONTENT THEREIN DIRECTLY OR INDIRECTLY ACCESSED THROUGH LINKS IN THIS WEB SITE, INCLUDING BUT NOT LIMITED TO ANY ERRORS IN OR OMISSIONS THEREFROM, (D) THE UNAVAILABILITY OF THIS WEBSITE AND THE CONTENT, OR ANY PORTION THEREOF, (E) YOUR USE OF THIS WEB SITE AND THE CONTENT, OR (F) YOUR USE OF ANY EQUIPMENT OR SOFTWARE IN CONNECTION WITH THIS WEBSITE AND THE CONTENT.

RETIREABILITYSCORE.COM DOES NOT GUARANTEE AND DISCLAIMS ALL LIABILITY FOR THE QUALITY, ACCURACY, COMPLETENESS OR TIMELINESS OF ANY INFORMATION CONTAINED ON THE WEBSITE. RETIREABILITYSCORE.COM MAKES NO COMMITMENT AND DISCLAIMS ANY DUTY TO UPDATE ANY INFORMATION CONTAINED ON THE RETIREABILITYSCORE.COM WEBSITE. ANY INFORMATION CONTAINED ON THE RETIREABILITYSCORE.COM WEBSITE MAY BE CHANGED AT ANYTIME WITHOUT NOTICE.

Limitation of Liability

RETIREABILITYSCORE.COM SHALL NOT BE LIABLE FOR ANY LOSS, INJURY, CLAIM, LIABILITY, OR DAMAGE OF ANY KIND RESULTING FROM YOUR USE OF THIS WEBSITE AND THE CONTENT. RETIREABILITYSCORE.COM SHALL NOT BE LIABLE FOR ANY SPECIAL, DIRECT, INDIRECT, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER (INCLUDING, WITHOUT LIMITATION, LEGAL FEES) IN ANY WAY DUE TO, RESULTING FROM, OR ARISING IN CONNECTION WITH THE USE OF OR INABILITY TO USE THIS WEBSITE AND THE CONTENT. TO THE EXTENT THE FOREGOING LIMITATION OF LIABILITY IS PROHIBITED OR FAILS OF ITS ESSENTIAL PURPOSE, RETIREABILITYSCORE.COM'S SOLE OBLIGATION TO YOU FOR DAMAGES SHALL BE LIMITED TO CAD$100.00.

Copyright and Trademarks

All content included on this site, such as text, graphics, logos, button icons, images, audio clips, and software, are the property of retireabilityscore.com and is protected by Canadian and international copyright laws. The compilation (being the collection, arrangement, and assembly) of all content on this site is the exclusive property of retireabilityscore.com and protected by Canadian and international copyright laws. All software used on this site is the property of retireabilityscore.com and is protected by Canadian and international law.

Certain words, phrases, names, designs or logos used on the retireabilityscore.com website may constitute trademarks, service marks or trade names of retireabilityscore.com or other entities. Except as specifically set out herein, you may not use any such trademarks, service marks or trade names in any manner whatsoever.

Limited License

You are granted a limited license only to display and print information contained on the retireabilityscore.com website for your own personal, non-commercial use. You may not otherwise reproduce, modify, republish or disseminate any information contained on the retireabilityscore.com website in any manner or form whatsoever.

External Links

Links to websites outside of the retireabilityscore.com website are provided as a convenience only and are not part of the retireabilityscore.com website. No endorsement of any third party products or services, information, material or content referred to or included on, or linked from the retireabilityscore.com website is expressed or implied.

British Columbia Law

This site is created and controlled by retireabilityscore.com, in the Province of British Columbia, Canada. As such, the laws of the Province of British Columbia will govern these disclaimers, terms, and conditions, without giving effect to any principles of conflicts of laws. Retireabilityscore.com reserves the right to make changes to our site and these disclaimers, terms, and conditions at any time.

Indemnification

You agree to indemnify, defend and hold retireabilityscore.com, its officers, directors, employees, agents, licensors, suppliers and any third party information providers to this website harmless from and against all claims, losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of these terms of use by you.

General

This Agreement, the relationships between you and retireabilityscore.com and the use of retireabilityscore.com’s website and the resolution of any dispute arising between the parties shall be governed and construed in accordance with the laws of the Province of British Columbia and those of Canada applicable therein, without reference to their conflicts of laws. You agree that any legal action or proceeding between you and retireabilityscore.com which in any way concerns this Agreement or the use of the retireabilityscore.com website or any information contained thereon shall be brought exclusively in the courts of British Columbia. Notwithstanding the foregoing, either party may apply to any court of competent jurisdiction to obtain injunctive relief.

Retireabilityscore.com’s headquarters are in British Columbia. Retireabilityscore.com makes no representation that access to the retireabilityscore.com website or that the information contained thereon is appropriate or legal in all jurisdictions. You may not access the retireabilityscore.com website or use any information in those jurisdictions where it would be illegal. In any case, your access to the website is entirely at your own initiative and you are responsible for ensuring that all laws are complied with.

All references herein to retireabilityscore.com shall be deemed to include any subsidiary, affiliate, associate or successor corporation of 0909709 BC Ltd.

Privacy Policy

0909709 BC Ltd. (“retireabilityscore.com”) is committed to respecting the privacy of users. This privacy policy summarizes the privacy policy and practices for retireabilityscore.com’s online activities. Retireabilityscore.com collects information specific to you ("Specific Information") solely to permit you to obtain information about your retireability. Information which is not specific to you (for example, the number of visitors to the site) is also collected ("Non-specific Information"). You do not have to divulge any Specific Information to use this website, but you will get much more utility from the website if you do.

Retireabilityscore.com may use a cookie to facilitate your use of some of the features on our site. Such a cookie is a simple, browser-controlled text file, which contains a unique identification number identifying your browser. It permits our server to recognize your browser. We do not use the cookie for any other purpose, and we take precautions to ensure that no one other than ourselves can read it.

We may use any information collected on our site at any time for research conducted by us or our partners or agents. In this event we undertake not to publish, sell or release any information which could be traced to you. We may also publish, sell or release any Non-specific Information at any time. We undertake never to knowingly provide any trail which would permit any third party to contact you without you initiating the communication, except if we are required by due process of law to divulge information about you, in which case we will so comply. We may sometimes send an e-mail to you to confirm your registration or to check your use of your password or that is meant to prompt you to return to our site and update your stored information and calculations, or for other purposes beneficial to the operation of the site.

If we ask you to select and use a password and if you choose to do so then you assume all subsequent responsibility for the privacy, confidentiality and use of your password. Retireabilityscore.com will not be responsible for the consequences of careless or inadvertent disclosure by you of your password to a third party nor for the theft or unauthorized use of your password by a third party. In particular, retireabilityscore.com will not take any steps to confirm identity or authorized use once you select a password. If you have reason to suspect that the privacy or confidentiality of your password has been compromised at any time it is your responsibility to promptly notify retireabilityscore.com.

If you choose to send retireabilityscore.com an email, complete a questionnaire and receive a Summary Report, or complete a feedback form online, your Specific Information may be used by retireabilityscore.com, its agents and/or licensed advisors in order to:

  • respond to your questions and requests;
  • provide consumer support;
  • provide specified services to you;
  • contact you about updates to our service;
  • send you marketing communications that we believe may be of interest to you;
  • verify/authenticate your identity and/or location to maintain measures aimed at fraud detection and prevention and protecting personal information and our online services;
  • manage institutional risk;
  • comply with laws, regulations, legal processes and law enforcement requirements; and
  • for any other purpose outlined in this Privacy Policy and/or the Terms of Use, and as permitted by law.

Retireabilityscore.com does not use the information to create individual profiles nor does it disclose the information to anyone other than to those employees, agents or affiliates who need to provide you with services.

Emails and other electronic methods used to communicate with retireabilityscore.com are not secure unless it is specifically stated. Therefore, it is recommended that you do not send sensitive Specific Information, such as your Social Insurance Number or your date of birth, through non-secure electronic means.

You should be aware that our privacy policy does not govern the activities of advertisers whose information you view or click on our site, and we disclaim any responsibility in such circumstances.

Security information

Retireabilityscore.com operates a secure server and data connection protected by firewalls, encryption and password protocols. We strive to maintain these protocols in what we deem is a reasonable manner and will, from time to time, review them and upgrade them as we determine is required.

Web Analytics

Web analytics is the collection, analysis, measurement, and reporting of data about web traffic and visits for purposes of understanding and optimizing web usage. Information in digital markers may be used for the purpose of web analytics to remember your online interactions with retireabilityscore.com’s website.

Retireabilityscore.com may use Google Analytics to improve its website. When your computer requests a retireabilityscore.com web page, the company collects the following types of information for web analytics:

  • the originating IP address;
  • the date and time of the request;
  • the type of browser used; and
  • the page(s) visited.

Limited Use and Disclosure

We will only use or disclose your Specific Information for the purpose(s) for which it was collected and as otherwise identified in this Privacy Policy. Specific Information may be released to third parties including legal or regulatory authorities in cases of suspected criminal activity or contravention of law, for the detection and prevention of fraud, or when required to satisfy the legal or regulatory requirements of governments, regulatory authorities or other self-regulatory organizations, or to comply with a court order or for the protection of our assets (for example, collection of overdue accounts).

We do not sell the names or other Specific Information of our customers. We do not disclose the names or other Specific Information of our customers to other companies outside of retireabilityscore.com and its affiliates without consent unless required by law.

Over time, we may buy new businesses or sell some of our businesses. Accordingly, Specific Information associated with any accounts, products or services of the business being purchased or sold will be transferred as a business asset to the new business owner. We may also transfer Specific Information as part of a corporate reorganization or other change in corporate control.

We may use affiliates or other companies to provide services on our behalf such as data processing, account administration, analytics and marketing. Such companies will be given only the Specific Information needed to perform those services and we do not authorize them to use or disclose Specific Information for their own marketing or other purposes. In some cases, these other companies may be located outside of Canada (such as in the United States) and may be required to disclose information to courts, government authorities, regulators or law enforcement in accordance with applicable law in that country.

Retention

Retireabilityscore.com will only retain your Specific Information for as long as reasonably necessary to fulfill its intended purpose or to satisfy legal requirements.

Inquiring about these Practices

Any questions, comments, concerns or complaints you may have regarding retireabilityscore.com’s privacy policies may be directed to: drallard@myretireability.com


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