1. Introduction, Acceptance, Definitions, and Modifications
Welcome to the Zivo website located at https://www.zivo.ca/ (the “Website”) which includes all subdomains and subpages present and future. We hope you enjoy your visit and / or use of the Website.
The Website is owned and operated by Zivo Financial Services, a company located in Ottawa, Canada at the address listed below. Where the present TOU refer to “Zivo” they may refer to Zivo Financial Services Inc. and / or its affiliates, shareholders, officers, directors, employees, agents, partners, principals, representatives, successors and assigns (collectively “Representatives”), depending on the context. Any reference to “we”, “our”, or “us” in these TOU shall also refer to Zivo and / or its Representatives. In these TOU, a Website visitor or user may be referred to as “you” or “your”.
Zivo reserves the right, at any time and without prior notice, to modify or replace any of the TOU. Any changes to the TOU can be found at this URL. It is your responsibility to check the TOU periodically for changes. Your use of the Website following the posting of any changes to the TOU constitutes acceptance of those changes. If we make any substantial changes to the TOU that materially affect your legal relationship with Zivo, we will use commercially reasonable efforts to notify you by posting a prominent notice when you arrive at the Website for the first time following those changes. You can always identify the most recent version of the TOU by the date at the top of this page.
2. Contacting Us
If you have any questions about the TOU, please contact:
Zivo Legal Services
Zivo Legal Services
5-2164 Montreal Road
Ottawa, ON K1J 1G4
3. General Code of Conduct for Use of the Website
In addition to any other more specific rules found elsewhere in these TOU, you agree that by visiting and / or using the Website, you will:
i. Not use the Website in any manner that in any way violates these TOU or any other applicable policy posted on the Website by Zivo;
ii. Not use the Website in any manner that violates any intellectual property rights of Zivo or any third party;
iii. Not use the Website in any manner to propagate spam, including but not limited to unsolicited advertising or bulk electronic mail or messages, including to link to a spam or phishing website;
iv. Not use the Website in any manner to propagate software viruses, Trojan horses, worms, or any other malicious or non-malicious computer code, files, or programs that are designed or intended to disrupt, damage, limit or interfere with the proper function of any software, hardware, or telecommunications equipment in any form whether belonging to Zivo or a third party, or to damage or obtain unauthorized access to any system, data, password or other information (whether Personal Information or not) of Zivo, other Website users, or any other third party;
v. Not: (1) take any action that imposes or may impose (as determined by Zivo in its sole discretion) an unreasonable or disproportionately large load on Zivo’s (or its third party providers’) infrastructures; (2) interfere or attempt to interfere with the proper functioning of the Website or any activities conducted on the Website; (3) bypass any measures Zivo may use to prevent or restrict access to the Website or any element thereof; (4) use manual or automated software, devices, or other processes to “crawl” or “spider” any page of the Website; or (5) harvest or scrape any content from the Website in an unreasonable manner;
vii. Not interfere with any third party’s use or enjoyment of the Website;
viii. Not do anything or encourage conduct that would constitute a criminal offense or give rise to civil liability, or is any way unlawful, illegal, fraudulent or harmful to any third party;
ix. Not attempt to do any of the foregoing prohibitions;
x. Use the Website in good faith, and in compliance with all applicable local, provincial or state, national, and international laws.
4. Proprietary Rights
a. Intellectual Property Rights
The content, arrangement and layout of the Website, including but not limited to the trademarks, photos, logos, videos, audio, images, text (in the form of plain text, HTML, or PDFs) and Computer Code are proprietary to Zivo, either owned or under license, and may not be copied, imitated, reproduced, displayed, distributed, transmitted, decompiled or otherwise used without the express permission of Zivo, or as permitted by the functionality of the Website or these TOU. Any unauthorized use of the content, arrangement or layout of the Website, Computer Code, images, logos, videos, audio or trademarks found in the Website or any derivative works thereof may violate civil or criminal laws, including but not limited to intellectual property laws, and Zivo may take action accordingly.
b. Submitted Information
If you choose to communicate to Zivo suggestions for improvements to the Website, or any idea or proposal related to Zivo or its businesses or properties (collectively, “Feedback”), Zivo shall own all right, title, and interest in and to the Feedback and will be entitled to use the Feedback without restriction. You hereby irrevocably assign all right, title and interest in and to the Feedback to Zivo and waive in favor of Zivo, its successors and assigns all your moral rights in the Feedback; and agree to provide Zivo such assistance as Zivo may require to document, perfect, and maintain Zivo’s rights to the Feedback. You acknowledge and agree that, by providing any Feedback to Zivo, you are not entitled to any compensation or reimbursement of any kind from Zivo under any circumstances.
5. External Links
a. General Links
In no way will Zivo be held responsible for any damages, direct or indirect, pecuniary or non-pecuniary: (1) for your use of websites or other services that may be linked to from the Website or the information thereon; (2) for any virus, Trojan horse, worm or other similar destructive file received as a result of your use of those websites or services; (3) caused by or in connection with, use of or reliance on any content, or products or services (whether free or for purchase) available on or through any linked-to website or service; or (4) for the actions of the operators of any such website or service.
b. The Client Portal
6. Interruption of Service
From time to time, the Website may be unavailable for periods of time for maintenance and / or modifications to the Website. While we will endeavour to make this unavailability as brief as possible, Zivo shall not be held liable for any losses or damages, pecuniary or non-pecuniary, resulting from the interruption of the normal functioning of the Website, and disclaims any responsibility thereto.
7. Termination of the Website or Your Access to the Website and the TOU
Zivo may also, in their sole discretion and at any time, discontinue providing the Website, or any part thereof, with or without notice. You agree that Zivo shall not be liable to you or any third party for any losses or damages, pecuniary or non-pecuniary, resulting from termination of your access to the Website, or from Zivo’s termination of the Website or any part thereof.
Termination of the Website or your access to the Website shall terminate the present TOU as between you and Zivo. All provisions of these TOU which by their nature should survive termination of these TOU shall survive termination, including without limitation, intellectual property provisions, disclaimers, indemnity and limitations of liability.
8. Disclaimer Regarding Financial Information
You acknowledge that from time to time, Zivo may include on the Website information of a financial and / or accounting nature. This financial and / or accounting information is intended for information purposes only, and is in no way intended to be acted upon by you without consulting a professional financial or accounting advisor.
Without limiting the generality of the Disclaimer of Warranties found in the next section of these TOU, Zivo and / or its Representatives shall not be responsible for any losses or damages, pecuniary or otherwise, to you resulting from your use of, or any reliance upon, any financial or accounting information on the Website, and Zivo disclaims any responsibility thereto.
9. Disclaimer of Warranties
You expressly understand and agree that your use of the Website, the information thereon (whether provided by Zivo or third parties) or any activity arising from your use of the Website or the information thereon or the materials downloaded therefrom is at your sole risk. The Website, any materials downloaded therefrom, or any third party materials, are provided on an "as is" and "as available" basis, and you will be solely responsible for any damage to your computer system or loss of data that results from the download, stream or access of any material obtained through the use of the Website or any other functionalities of the Website, or losses or damages (financial or otherwise) resulting from your use of the Website, the information thereon, any materials downloaded therefrom, or any activity arising from the use of the Website, the information thereon or any materials downloaded therefrom.
The information or resources provided through the Website, written or produced by Zivo staff, freelance writers or other subcontractors hired by Zivo are expected to be as accurate as possible at the time of writing or production, and every effort has been made to ensure that the information from the Website is as accurate and up-to-date as possible. However, certain information may change, and errors or omissions may occur. Zivo shall not be responsible for any loss or damage, financial or otherwise, resulting from changes or errors in information, or any omission, on the Website or the information thereon, or your reliance on such information whether the information is correct or not.
Zivo expressly disclaims all warranties of any kind, whether express or implied, including but not limited to: warranties of title and non-infringement; warranties that the Website, the information thereon or any materials downloaded therefrom, and any third-party materials will be uninterrupted, error-free, accurate, reliable and free from virus and other harmful components; and the implied warranties of merchantability and fitness for a particular purpose. Zivo, its affiliates and their respective Representatives, do not warrant that: (i) the Website will be secure or available at any particular time or location; (ii) any defects or errors or omissions will be corrected; (iii) any content (whether provided by Zivo or third parties) available at or through the Website is free of viruses or other harmful components; or (iv) the results of using the Website or any content downloaded will meet your requirements.
To the extent that the law does not permit a disclaimer of warranties, all content accessible on the Website, or any other website to which we link, and all operations on this Website are warranted only to the minimum amount legally required.
10. Limitation of Liability
In no case will Zivo or its Representatives be liable for any indirect, special, consequential, exemplary, punitive damages or other damages, or for any losses, damages, liabilities, costs and expenses arising out of or relating to (i) your access, use, misuse or inability to access or use the Website or (ii) the interruption, suspension or termination of any part of or all the Website; and in both cases regardless of the cause of action (whether in contract, warranty, delict, quasi-delict, tort, negligence, strict liability or any other theory of liability) and even if we have been advised of the possibility of such damages. Notwithstanding anything to the contrary in the TOU, in no event will our aggregate liability for any claims in connection with your use of the Website and exceed Cdn$ 100.
You expressly understand and agree that Zivo or its Representatives shall not be liable for any direct, indirect, incidental, special, consequential, punitive or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses, in contract, tort, strict liability, negligence, general civil liability or any other cause of action under legal or equitable theory, relating to the Website, the information on the Website, your use of the Website, activities arising from your use of the Website, any third party materials on the Website, or any materials downloaded from the Website. This limitation of liability applies, without limitation, to any damages or injury caused by any error, omission or other failure of performance by Zivo or its Representatives; any interruption, defect or delay in operation or transmission, including communication line failure; any computer virus; and any theft, destruction or alteration of, or unauthorized access to or use of, any electronic records.
Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above exclusions and limitations may or may not apply to you.
12. Governing Law and Applicable Jurisdiction
These TOU and your use of the Website shall be governed by and construed in accordance with the laws of the Province of Ontario, Canada and the federal laws of Canada applicable therein in force at the time without regard to conflict of law provisions. You agree that any legal action or proceeding between you and Zivo shall be brought exclusively in the courts located in Ottawa, Canada. Notwithstanding the foregoing, Zivo shall have the right to bring action against you in courts of competent jurisdiction in the jurisdiction in which you reside or are located: (i) to seek injunctive relief against you; (ii) to obtain a judgment against you where a judgment by the Ottawa court will, or may not be, enforced by the jurisdiction in which you reside or are located; or (iii) to enforce in your jurisdiction a judgment obtained against you in the Ottawa court.
13. Miscellaneous Provisions
ii. Zivo shall not be liable for any failure to perform its obligations under the present TOU where such failure results from any cause beyond Zivo’s reasonable control, including, but not limited to, mechanical, electronic or communications failure or degradation, or any force majeure event.
iv. The failure of Zivo to exercise or enforce any right or provision of these TOU does not constitute a waiver of such right or provision, which will still be available to Zivo.
© Zivo Financial Services Inc. 2021