Before accessing the contents of this site, all users must agree to be bound by the conditions of use set out below and by the entire contents of each statement listed in this document.
As a user, by accessing this EMMA (Emma Services Financiers inc et Emma Labs inc) group of companies’ Website and using it, I agree to be bound by this legal notice and to respect the following conditions of use. If not, I understand that I must not access the site or use it in any way whatsoever.
The user acknowledges that:
All information contained on this Website is protected under the laws of copyright. Users of this site are permitted to copy its contents for their personal use only. No one has the right, for commercial purposes, to redistribute, reproduce, republish, store on any medium, retransmit or modify any information contained herein without obtaining Emma’s written permission or to make public use thereof without crediting the source. All trademarks and logos (including certain names, words, titles, drawings, illustrations and icons) appearing on this site’s pages are registered or non-registered trademarks of Emma or third parties or are to be used exclusively by their owner.
Any use of these marks is strictly prohibited without the owner’s written permission. The unauthorized downloading, retransmission, copying or modification of the trademarks or contents of this site may constitute a violation of federal laws or other laws governing copyright and trademarks, and the perpetrator of such violations may be subject to legal action.
Emma prohibits the use of its logos and trademarks as hyperlinks to any other Website without its prior written permission.
Emma believes that the information appearing on this site was correct at the time it was placed thereon. However, it cannot guarantee or ensure the timeliness, accuracy, completeness or authenticity of the site’s contents or of any of the site’s features. This site, as well as the information it contains, has been created for informational purposes only. Moreover, the information contained herein is subject to change and update at any time, without notice. All products and services mentioned on this site are subject to the terms and conditions of the agreements that govern them. The prices displayed in the comparator are an estimate that may vary from time to time when submitting the illustration of the advisor or the price displayed in the final contract.
The information contained on this site does not constitute tax, legal, financial, insurance or accounting advice and must not be used for those purposes.
Emma cannot guarantee the accuracy of the information on this site or accessible through this site that was prepared by or obtained from third parties.
Emma takes many precautions to ensure the safe use of this Website and the service offered through it. We are committed to preserving our clients’ safety and the confidentiality of the personal and financial information stored on the Web server used to manage our Website and on our internal computer systems.
The unauthorized use of this Website and our systems, including, but not limited to, unauthorized entry into our systems, misuse of passwords and the misuse of any information contained on the site are strictly prohibited.
While we take great care in preparing and keeping up-to-date the information and documents on this Website, such information and documents are provided as is, with no warranty of any kind, either express or implied.
A non-encrypted, regular email sent over the Internet is not secure, (i.e., it is not confidential). Do not send us any information of a personal or financial nature by means of a non-encrypted email. We cannot be held responsible if you send confidential information by means of a non-encrypted, regular email and such information subsequently becomes public through no fault on our part.
Emma cannot guarantee in any way whatsoever that this site will always be accessible at all times, that it will meet your requirements or needs, that access to it will not be interrupted, that there will not be delays, failures, errors, omissions or losses in the transmitted information, that no virus or other contaminating or destructive element will be transmitted or that no damage will be caused to your computer system.
It is the sole responsibility of the user to acquire the appropriate tools, means or software to avoid such viruses and contaminating or destructive elements, and he or she must keep such protections up-to-date.
Hyperlinks to other Websites or references to products, services and publications that are not Emma’s are provided for your convenience and do not mean that Emma approves such Websites, products, services and publications or that Emma vouches for them. Such sites and references have been developed independently of Emma, and we cannot vouch for the timeliness, accuracy, completeness or authenticity of the contents and features of such sites or references. Following a hyperlink to any other site is at your sole risk, and Emma is not liable for any damage arising from such action.
Hyperlinks to sites offering downloadable software are provided for your convenience and for purposes of illustration or simulation, and Emma cannot be held liable for any difficulty associated with the downloading of such software. The illustrations and calculations generated by such software or other calculation tools available through a hyperlink to a third party cannot be deemed by anyone to be proposals, recommendations or advice in financial, insurance, tax or legal matters or in matters in any other field requiring professional advice.
If you choose to access software by means of the hyperlinks on this site, you must take the necessary precautions to detect and destroy potential viruses and to ensure that the software is compatible with your computer. You must also ensure that you have up-to-date backup copies of all content stored on your hard drive before installing such software.
This site is governed by the laws of the Province of Quebec and is subject to the interpretation of those laws. Any dispute, contention or claim arising from the use of this site or related to it shall be submitted to the jurisdiction of the courts of the Province of Quebec and shall be subject to their jurisdiction. Therefore, the courts of the Province of Quebec have exclusive jurisdiction with respect to any suit, claim, action or proceeding arising from the use of this site or related thereto.
The information on this site regarding Emma’s products and services is intended to be used only in the territories, where such products and services may be legally offered for use or sale, and is not for use or sale in places where prohibited by law.
You are entirely responsible for the use of your password, including its use without your consent. Emma has no obligation to verify any user’s identity or right to access provided such user enters an appropriate user name and password. If someone other than you comes into possession of your user name and password, you must immediately notify Emma. In that case, Emma will, as soon as possible, block access to your personal file until you decide to confirm a new user name and password.
The glossary, search tools, calculators and frequently asked questions may be used only for non-commercial purposes. The use of tools to promote the sales of products and services or a particular Website is prohibited.
The definitions given in the glossary may be used only for informational purposes. They do not have any contractual value and may differ from the definitions contained in any contract. Please refer to the provisions of your contract to determine your obligations and rights under the contract.
Emma does not guarantee the accuracy of searches made using its search tools.
Likewise, all calculations and results provided are intended for informational purposes only. Since they are based on assumptions, Emma does not guarantee their accuracy or integrity. Default values are given only for purposes of reference and as examples. Please use them only as guides or estimates.
Answers in the frequently asked questions section as well as those provided to persons who send us their questions must be used for informational purposes only. They have no legal value and do not make Emma liable. Please consult your representative, accountant, tax adviser or legal adviser, who will take into account all the facts related to your particular situation and suggest an answer appropriate to your situation.
To access a secure section of the extranet site, you must have an access code and password. In addition to what is stated earlier with respect to passwords, the extranet has its own procedure for assigning a user code and password to be used to navigate that section of the site.
Any unprotected email sent over the Internet is subject to interception, loss and modification. Emma cannot be held liable to you or to any other person for any damage arising from the interception, loss or modification of any email that you send to Emma.
A log is kept to record events related to security or that are useful for verifications or for statistical purposes. This log may be used to record all accesses to the site or to sections thereof, all communications sent or received by the user (in the case of the site’s email portal) and any other activity related to the site. Emma has access to communications sent or received, which it may use if it has reasonable cause to believe that a law has been violated or that the site’s rules of use have not been followed.
Emma will update and change this legal notice from time to time, without notice. Therefore, when you access this site, be sure to always read this notice before you begin to use the site.
Furthermore, in regard to secure sections, Emma may remove those sections or a user’s access to them without notice.