Online Terms and Conditions of Website Use and Access
Acceptance of Terms
Welcome to https://www.concentrabank.ca
(the "Website"). These terms and conditions of website use and access
(the "Terms') form a legal agreement between you and Concentra. The
Terms govern your use of the content, functionality and services offered
to you by Concentra on the Website. By using this Website, you accept
and agree to be bound by the following Terms, which together with our
privacy policy found here (the "Privacy Policy") govern Concentra's
relationship with you in relation to this Website. If you disagree with
any part of these Terms, or if you are under the legal age of majority
under applicable law to form a binding contract with Concentra, you must
not access or use the Website.
The terms "Concentra" or "us" or "we" refer to the owner of this
Website, Concentra Bank, a Schedule I bank organized under the laws of
Canada, with its registered office located in Saskatoon, Saskatchewan,
and its wholly owned subsidiary, Concentra Trust, a federal trust
company organized under the laws of Canada, with its registered office
located in Saskatoon, Saskatchewan. The term "you" refers to the user or
viewer of this Website.
Modification of Terms
We maintain the right in our sole discretion to revise and update
these Terms from time to time. Any and all such modifications are
effective immediately upon publishing and apply to all access to and
continued use of the Website. You agree to review the Terms each time
you use the Website to be aware of any such modifications. Your
continued use of the Website shall be your acceptance of these
modifications.
Modification of Content
The information and material on this Website may be changed,
withdrawn or terminated at any time in our sole discretion without
notice. We will not be liable if, for any reason, all or any part of the
Website is restricted to users or unavailable at any time or for any
period.
Third Party Websites
For your convenience, this Website may provide links or pointers to
third party sites. We make no representations about any other websites
that may be accessed from this Website. If you choose to access any such
sites, you do so at your own risk. We have no control over the contents
of any such third party sites, and accept no responsibility for such
sites or for any loss or damage that may arise from your use of them.
You are subject to any terms and conditions of such third party sites.
Our site must not be framed on any other site, unless you obtain our
prior consent. We reserve the right to withdraw linking permission
without notice. You will cooperate with us in immediately stopping any
unauthorized framing or linking.
No Reliance on Content
The content on our Website is provided for general information
purposes only. It is not intended to be specific advice regarding legal,
accounting, financial, or tax matters on which you should rely. You
must obtain more specific or professional advice before taking, or
refraining from, any action or inaction on the basis of the content on
our site.
We make no representations, warranties or guarantees, whether express
or implied, that the content on our Website is accurate, complete or up
to date. Your use of the Website is at your own risk, for which we
shall not be liable, and it shall be your sole responsibility to ensure
that any products, services or information available through this
Website are suitable for your specific requirements.
Your Use of Website
You are responsible for obtaining your own access to the Website and
for the Website's availability and performance. You are required to
ensure that all persons who access the Website through your internet
connection are aware of these Terms and comply with them. You are
responsible for any security breaches or performance issues relating to
accessing the Website.
You are prohibited from attempting to circumvent and from violating
the security of this Website, including without limitation: (a)
accessing content and data that is not intended for you; (b) attempting
to breach or breaching the security and/or authentication measures which
are not authorized; (c) restricting, disrupting or disabling service to
users, hosts, servers or networks; (d) illicitly reproducing TCP/IP
packet header; (e) disrupting network services and otherwise disrupting
Website owner's ability to monitor the Website; (f) using any robot,
spider, or other automatic device, process, or means to access the
Website for any purpose, including monitoring or copying any of the
material on the Website; (g) introducing any malware, including viruses,
trojan horses, worms, logic bombs, or other material that is malicious
or technologically harmful; (h) attacking the Website via a
denial-of-service attack, distributed denial-of-service attack,
spoofing, flooding, mailbombing or crashing; and (i) otherwise
attempting to interfere with the proper working of the Website.
As a condition of your access and use, you agree that you may use the
Website only for lawful purposes and in accordance with these Terms.
Without limiting the foregoing, you agree that your use of the Website
shall not:
- violate any applicable federal, provincial, local, or
international law or regulation including, without limitation, any laws
regarding the export of data or software, patent, trademark, trade
secret, copyright, or other intellectual property, legal rights
(including the rights of publicity and privacy of others) or contain any
material that could give rise to any civil or criminal liability under
applicable laws or regulations or that otherwise may be in conflict with
these Terms, including our Privacy Policy;
- provide any false, inaccurate or misleading information; or
- engage in any other conduct which, as determined by us, may harm Concentra or expose it to liability.
Security
As a financial institution, Concentra understands first-hand the
paramount importance of preserving data integrity and confidentiality;
we employ industry-accepted standards in our web applications to
preserve the security of information transferred to us through these
channels. These measures include, but are not necessarily limited to,
128-bit secure socket layer encryption, security certificates, user
authentication and web sessions.
Any unprotected electronic communication over the Internet is, as
with communication via other mediums (e.g. cellular phones, post office
mail, Social Media Pages), not secure or confidential, subject to
possible interception or loss, and possible alteration. You should not
send any confidential, proprietary or sensitive information about you or
others via these mediums. Concentra Bank is not responsible for and
will not be liable to you or any one else for any damages in connection
with an email, text message, comment, post or any other electronic
message sent by you to Concentra Bank, or an email, text message,
comment post or any other electronic message sent by Concentra Bank to
you.
User Accounts
To access some features of the Website, you may have to register for a
user account. When registering for your user account, you must provide
accurate and complete information. You are solely responsible for the
activity that occurs on your user account, and you must keep your
account password secure. You must notify Concentra immediately of any
breach of security of any kind or unauthorized use of your user account.
Although Concentra Bank will not be liable for your losses caused by
any unauthorized use of your user account, you may be liable for the
losses of Concentra Bank or others due to such unauthorized use.
Intellectual Property Rights and Ownership
You understand and agree that the Website and its entire contents,
features, and functionality, including but not limited to all
information, software, code, text, displays, graphics, photographs,
video, audio, design, presentation, selection, and arrangement, are
owned by Concentra, its licensors, or other providers of such material
and are protected in all forms by intellectual property laws including
without limitation, copyright, trademark, patent, trade secret, and any
other proprietary rights.
Concentra's name, logo and all related names, logos, product and
service names, designs, images and slogans are trademarks of Concentra
or licensors. You must not use such marks without our prior written
permission. Other names, logos, product and service names, designs,
images and slogans mentioned or which appear on this Website are the
trademarks of their respective owners. Use of any such property, except
as expressly authorized, shall constitute a violation of the rights of
the property owner and may be a violation of federal or other laws and
could subject the violator to legal action.
You shall not modify copies of any materials from this site nor
delete or alter any copyright, trademark, or other proprietary rights
notices from copies of materials from this site. You must not access or
use for any commercial purposes any part of the Website or any services
or materials available through the Website.
If you print off, copy or download any part of our site in breach of
these Terms, your right to use our site will cease immediately and you
must, at our option, return or destroy any copies of the materials you
have made. You have no right, title, or interest in or to the Website or
to any content on the Website, and all rights not expressly granted are
reserved by the Company. Any use of the Website not expressly permitted
by these Terms is a breach of these Terms and may violate copyright,
trademark, and other intellectual property laws.
Cookies
Although Concentra does not employ the use of "cookies" to collect
personal information, this website may use cookies to monitor and
improve operations and functionality. Please review the potential use of
cookies in any external websites linked to this site as Concentra does
not guarantee that cookies will not be employed to collect and store
personal or financial information on these external websites. Cookies
are widely used and most web browsers are configured to accept cookies
automatically. If you prefer not to accept cookies, you may configure
your browser to refuse cookies automatically; please refer to your
browser's documentation or online help for instructions. Refusing to
accept cookies may, on some sites, impair your browser's ability to
display content or provide certain functionality.
Geographic Restrictions
We provide this Website for use only by persons located in Canada.
This site is not intended for use in any jurisdiction where its use is
not permitted. If you access the site from outside Canada, you do so at
your own risk and you are responsible for compliance with local laws of
your jurisdiction.
Disclaimer of Warranties
Your use of the Website, its content, and any services or items found
or attained through the Website, is at your own risk. The Website, its
content, and any services or items found or attained through the Website
are provided on an "as is" and "as available" basis, without any
warranties of any kind, either express or implied including, but not
limited to, the implied warranties of merchantability, fitness for a
particular purpose, or non-infringement. This does not affect any
warranties that cannot be excluded or limited under applicable law.
Concentra nor its directors, officers, employees, agents or service
providers makes any warranty, representation or endorsement with respect
to the completeness, security, reliability, suitability, accuracy,
currency or availability of the Website or its contents. Without
limiting the foregoing, neither Concentra nor its respective directors,
officers, employees, agents or service providers represents or warrants
that the Website, its content, or any services or items found or
attained through the Website will be accurate, reliable, error-free, or
uninterrupted, that defects will be corrected, that our site or the
server that makes it available are free of viruses or other harmful
components.
We cannot and do not guarantee or warrant that files or data
available for downloading from the internet or the Website will be free
of viruses or other destructive code. You are solely and entirely
responsible for your use of the Website and your computer, internet and
data security. To the fullest extent provided by law, we will not be
liable for any loss or damage caused by denial-of-service attack,
distributed denial-of-service attack, overloading, flooding, mailbombing
or crashing, viruses, trojan horses, worms, logic bombs, or other
technologically harmful material that may infect your computer
equipment, computer programs, data, or other proprietary material due to
your use of the Website or any services or items found or attained
through the Website or to your downloading of any material posted on it,
or on any website linked to it.
Limitation on Liability
Under no circumstance will Concentra and its respective directors,
officers, employees, agents, or service providers be liable for damages
of any kind (including any direct, indirect, special, incidental,
consequential, or punitive damages) arising out of or in connection with
your use, or inability to use, reliance on, the Website, any linked
websites or such other third party websites, nor any site content,
materials, posting or information thereon.
Governing Law and Jurisdiction
The Website and these Terms will be governed by and construed in
accordance with the laws of Saskatchewan and the federal laws of Canada
applicable therein, without giving effect to any choice or conflict of
law provision, principle or rule (whether of the laws of Saskatchewan or
any other jurisdiction) and notwithstanding your domicile, residence or
physical location.
Any action or proceeding arising out of or relating to this Website
and under these Terms will be instituted in the courts of the province
of Saskatchewan and/or the Federal Court of Canada, and each party
irrevocably submits to the exclusive jurisdiction of such courts in any
such action or proceeding.
Waiver
No waiver under these Terms is effective unless it is in writing and
signed by an authorized representative of the party waiving its right.
No failure to exercise, or delay in exercising, any right, remedy, power
or privilege arising from these Terms operates, or may be construed, as
a waiver thereof. No single or partial exercise of any right, remedy,
power or privilege hereunder precludes any other or further exercise
thereof or the exercise of any other right, remedy, power or privilege.
Severability
If any term or provision of these Terms is invalid, illegal or
unenforceable in any jurisdiction, such invalidity, illegality or
unenforceability shall not affect any other term or provision of these
Terms or invalidate or render unenforceable such term or provision in
any other jurisdiction.
Entire Agreement
The Terms, including our Privacy Policy, constitute the sole and
entire agreement between you and Concentra regarding the use of the
Website and supersedes all prior and contemporaneous understandings,
agreements, representations and warranties, both written and oral,
regarding such subject matter.
