TERMS AND CONDITIONS
This website (the “Site”) and the services offered through this Site are provided by Refy Financial (“REFY”, “we”, “us” or “our”) for the use of individual users. All rights not expressly granted to users under these terms and conditions (“Terms“) are hereby expressly reserved by REFY, and any additional uses of the Site or its contents require our prior written permission. For further information please contact firstname.lastname@example.org.
These Terms govern your (“user“, “you” or “your“) use of the Site and our services, as well as any content downloaded from or accessed through the Site, and constitute a legal contract between you and REFY. Please read these Terms in their entirety because your use of the Site, other than to review these Terms, signifies your consent to be legally bound by and to comply with these Terms. If you do not agree with these Terms, you may not access or use the Site or our services.
These Terms were last updated on July 17, 2019. At any time without notice or liability, and for any reason, we may update, change, suspend, or terminate any aspect of these Terms or the Site. Please consult these Terms each time that you use the Site. Your continued use of the Site 15 days or more following the posting of changes to these Terms will mean that you accept and agree to those changes. Notwithstanding the above, unless otherwise required by law, any application that you submit to us will continue to be governed by the version of these Terms in effect at the time that the application is submitted.
Subject to your compliance with these Terms, REFY grants you a limited, personal, non-exclusive, non-transferable license to use the Site and our Content (as defined below) solely for the purpose of viewing, storing, processing, and downloading information for personal use in connection with your use of our services.
Except as expressly permitted in these Terms, you agree not to reproduce, make derivative works of, retransmit, distribute, sell, publish, sublicense, commercialize, communicate, broadcast, or otherwise make available the Site or any Content, or any other information and/or materials obtained through or in connection with the use of the Site, including, without limitation, by caching, framing, deep-linking, or similar means.
All information, data, text, graphics, images, video, messages, ideas, reviews, opinions, questions, suggestions and other materials (“Content“) that are posted, e-mailed, transmitted, uploaded or otherwise submitted through your use of the Site or our services are submitted at your own risk and are your sole responsibility. If you are posting Content belonging to or generated by or on behalf of a third party, you warrant that you are authorized to act on behalf of that third party and to bind them to these Terms. You should not submit any Content that may cause harm or injury to any party. Do not publicly disclose any personal information about yourself or others.
Except in the case of any Feedback (as defined below), you or a third-party licensor retain all intellectual property rights in any Content that you submit. By submitting any Content, whether on your own behalf or on behalf of another party, you hereby grant to us a royalty-free, perpetual, worldwide, transferable, non-exclusive right and license to use, reproduce, modify, edit, adapt, publish, translate, create derivative works from, distribute, disseminate, perform, transmit and display such Content (in whole or part) in any form, media, or technology now known or later developed for the full term of any rights that may exist in such Content, without compensation or obligation to you or any other party. The rights granted hereunder may be freely assigned or sub-licensed by us to any party.
If you submit any ideas, comments or other feedback (“Feedback“) to us regarding the Site or our services, you agree that such Feedback (including all rights, title and interest therein) automatically become our property, and you forfeit all rights that you may have in such Feedback. For greater certainty, you agree that REFY may use and exploit any Feedback in any way at their discretion, without compensation or obligation to you or to any other party. You represent and warrant that you have the necessary right to grant us the rights you are granting in respect of any Feedback you provide and you hereby waive all “moral rights” in and to such Feedback.
You agree that you are responsible for your own conduct when using the Site and our services. Misuse or unauthorized use of the Site, its contents, REFY’s services, network and systems, or of any information, forms, images or other materials on the Site is strictly prohibited and REFY reserves the right, at its sole discretion and without liability or prejudice to any other remedies that it may have, to immediately suspend or terminate access by any user who is using, or who REFY reasonably believes is using, the Site or its services in violation of these Terms. You agree that you will use the Site (including its contents) and the services only in ways that are legal, proper and in accordance with these Terms, accepted Internet protocol, and applicable rules, policies, and guidelines. Without limiting the generality of the foregoing, by using the Site, you agree to not:
We may, but are under no obligation to, pre-screen or monitor any Content other than our own. We reserve the right, but do not assume the obligation, to remove postings, and/or to ban users who violate these Terms from using the Site or our services in addition to pursuing any other rights or remedies available at law. Except where prohibited by law, we also reserve the right to reveal users’ identities (or any other information that we may know about users, including IP address(es) in the event of a complaint, subpoena, written or oral discovery, or any other legal action, including a request by law enforcement authorities or any government entity. REFY assumes no liability or responsibility for any unauthorized modifications to the Site, or for any information posted, uploaded or otherwise added to the Site by any party other than REFY.
You understand that by using the Site or our services, you may be exposed to Content that is incomplete, inaccurate, high risk, unlawful, offensive, or objectionable. Under no circumstances will we be liable in any way for any loss, damage, or injury (including, but not limited to, death or economic loss) related to, or arising from the use or loss of, any Content (whether yours, ours, or someone else’s) including, but not limited to, as a result of any errors or omissions in any Content or on the Site.
REFY provides the Site to you as a service, which allows you to obtain financing for collector vehicles and complete the transaction with third parties, subject to financing approval undertaken by third parties.
REFY is not engaged in selling vehicles directly. Further, you agree that any financing and the sale of any vehicle will be subject to separate terms and conditions to be agreed between you and the private third party(ies) providing the financing and/or vehicle sale.
REFY is merely a distributor, and not a publisher, of any services, advertisements or other content offered or supplied by third parties that is accessed via the Site or otherwise through your use of our services. REFY does not have administrative or other control over such third-party products and services, offers no warranties or representations, and accepts no responsibility or liability in respect of any third party products or services, or a user’s use of them. In any transactions or proposed transactions with third parties, including credit organizations who you have come in contact with through the use of the Site and/or our services, you agree that REFY is not the provider. Your agreement to purchase any products or services from a third party or to otherwise enter into negotiations or transactions with a third party is solely between you and the third-party, and does not involve us in any way. Under no circumstances will REFY be responsible or liable for any loss or damage of any kind incurred as a result of, or in connection with, any discussions, negotiations, correspondence, agreements, or other business dealings by you with any third parties, including any credit organizations or advertisers found on or through the use of the Site, and including payment for and delivery of related goods and services.
Without limiting the generality of the foregoing, REFY does not guarantee that you will be qualified to refinance any particular loan offered to you by a third party through the Site. Availability of any financing options (if any) is solely within the control and discretion of the financing entity, if different, and will be subject to such terms and conditions as they may determine. Further, you acknowledge and agree that REFY does not guarantee the products or services of any of the persons or organizations to whom we provide your personal information, or that any person or organization will offer or provide you with products or services at any rate or at all.
The Site may contain hyperlinks to other web sites (“Linked Sites“) that have been developed by advertisers and other third parties, which are not under the control of REFY. REFY provides hyperlinks to the Linked Sites as a convenience only, and their inclusion does not imply warranties, representations, endorsements, approvals, verification, or investigation by REFY or its agents of the Linked Sites, or of any products or services offered on or through the Linked Sites. Further, REFY is not responsible for the contents of the Linked Sites, and is not acting as a publisher or disseminator of information or materials contained on any Linked Site or any hyperlink contained on a Linked Site. You acknowledge that the use of Linked Sites may be subject to terms and conditions contained on those Linked Sites, and you agree that you are solely responsible for your use of any Linked Site.
The Site, our services, and any Content and other information and materials created or supplied by us, and the selection and arrangement thereof, are owned by us (or our third party licensors) and are protected by Canadian and international copyright and other intellectual property laws and treaty provisions.
“REFY” and other trademarks and design marks, trade dress, domain names, service names, logos and associated designs used in connection with the Site or our services are trademarks and/or registered trademarks of REFY and/or its affiliates, licensors, or related companies, and may not be used, copied, or imitated, in whole or in part, without our prior written permission. All other products, brand and company names and logos used or mentioned on the Site, any listings or other Content accessed through the Site or the use of our services, may be the trademarks (registered or unregistered) of their respective owners. The use of any trademark without the express written consent of the owner of the trademark is strictly prohibited. You will not remove, alter, or conceal any trademark or other proprietary rights, notices incorporated into or accompanying the Site, any of our Content, or any other information or materials accessed through the Site or the use of our services.
YOU EXPRESSLY UNDERSTAND AND AGREE AS FOLLOWS:
YOU ACKNOWLEDGE AND AGREE THAT IF YOU ARE DISSATISFIED WITH THE SITE OR OUR SERVICES, OR WITH ANY RESULTS OBTAINED THROUGH THEIR USE, YOUR ONLY REMEDY IS TO DISCONTINUE USE OF THE SITE AND OUR SERVICES.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (I) THE USE OR THE INABILITY TO USE OR ACCESS THE SITE, OUR SYSTEMS, ANY CONTENT, OR ANY MATERIALS, PRODUCTS, SERVICES, OFFERINGS, OR INFORMATION OBTAINED THROUGH THE USE OF THE SITE OR OUR SERVICES; (II) ANY ERRORS OR OMISSIONS IN THE SITE OR ANY CONTENT; (III) THE SUSPENSION OR TERMINATION OF YOUR ABILITY TO ACCESS THE SITE; (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR SITE OR FAILURE OF OUR SYSTEMS; (V) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES; (VI) UNAUTHORIZED ACCESS TO OR ALTERATION OF OUR SYSTEMS OR YOUR TRANSMISSIONS, DATA AND/OR PERSONAL OR FINANCIAL INFORMATION; (VII) STATEMENTS OR CONDUCT OF ANY THIRD PARTY USING THE SITE; (VIII) ANY BUGS, VIRUSES OR THE LIKE THAT ARE TRANSMITTED TO OR THROUGH OUR SITE BY ANY THIRD PARTY; OR (IX) ANY OTHER MATTER OR EVENT RELATING TO YOUR OR ANY OTHER PARTY’S USE OF THE SITE OR OUR SERVICES. YOUR SOLE REMEDY UNDER THESE TERMS SHALL BE TO DISCONTINUE USE OF THE SITE AND OUR SERVICES.
YOU EXPRESSLY ACKNOWLEDGE THAT WE HAVE ENTERED INTO THIS AGREEMENT WITH YOU, AND HAVE AND WILL MAKE THE SITE AND OUR SERVICES AVAILABLE TO YOU IN RELIANCE UPON THE LIMITATIONS AND EXCLUSIONS OF LIABILITY AND THE DISCLAIMERS SET FORTH IN THESE TERMS, AND THAT THE SAME FORM AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN YOU AND US. YOU EXPRESSLY AGREE THAT THE LIMITATIONS AND EXCLUSIONS OF LIABILITY AND THE DISCLAIMERS SET FORTH IN THESE TERMS WILL SURVIVE, AND CONTINUE TO APPLY IN THE CASE OF, FUNDAMENTAL BREACH OR BREACHES, THE FAILURE OF ESSENTIAL PURPOSE OF CONTRACT, THE FAILURE OF ANY EXCLUSIVE REMEDY, OR TERMINATION OF THE AGREEMENT BETWEEN YOU AND US.
Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for certain damages and, accordingly, some or all of the above limitations may not apply to you. In such jurisdictions, you agree that our liability shall be limited to the greatest extent permitted by applicable law.
You may discontinue your use of the Site and/or our services at any time, for any reason, or for no reason. Any financing agreements with financial institutions or agreements to purchase vehicles from parties that you may have entered into as a result of using our services will continue in accordance with their terms.
In addition to any other termination rights that we may have, we reserve the right to modify, suspend, discontinue or terminate the Site or any party’s ability to access or use the Site, our services, our materials or other Content, at any time and for any reason (or no reason), including any breach by you of these Terms.
Upon termination, you will have no further right to use the Site or our services, and any rights and licenses granted to you under these Terms will terminate. Termination or other discontinuation of your use of the Site or our services will not relieve you of any obligations arising prior to termination regarding the use and protection of intellectual property or confidential information, ownership, or indemnification nor will it relieve you of any liability for any breach of these Terms. Upon termination (subject always to applicable laws) we will have the right, but not the obligation, to retain any Content or other information that you have submitted.
The Site originates, and is owned by parties having operations in the Province of British Columbia and elsewhere in Canada. These Terms will be interpreted, construed and governed by the laws in force in the Province of British Columbia, and the federal laws of Canada applicable therein, without reference to its conflicts of laws principles. Each party hereby agrees to submit to the exclusive jurisdiction of the courts of the Province of British Columbia sitting at Vancouver, and to waive any objections based upon venue. You agree that any claim or action brought by you in connection with these Terms or your use of the Site or our services shall be brought within twelve (12) months of the first occurrence of the loss or damage on which the claim is based.
Use of this Site and our services are available only to residents of Canada and the United States who are the age of majority in their province or state of residence. Any product(s) and/or service(s) offered through the Site are offered only in jurisdictions where they may be legally offered, and are offered only to persons to whom it is lawful to make a solicitation. You agree to comply with all applicable laws, rules, and regulations governing your use of the Site and our services.
These Terms contain the entire agreement between you and us governing your use of the Site and our services. The legal agreement created by your acceptance of these Terms is personal, and cannot be transferred or assigned by you. We may assign this agreement and/or any of our rights or obligations under these Terms at any time.
Our failure to exercise or enforce any right or remedy under these Terms shall not constitute a waiver of such right or remedy.
No use of the Site, any Content, or our services shall create or be deemed to create any partnership, joint venture, agency, franchise, or other business relationship, even if your use is for a commercial purpose which has been authorized by us. You and REFY shall, at all times, be and remain independent contractors.
The provisions of these Terms are severable. If any individual term or condition is held to be invalid, unenforceable, or contrary to applicable law, such provision shall be construed, limited, altered, or deleted, as necessary, to eliminate the invalidity, unenforceability, or conflict with applicable law while endeavoring to preserve the intention of the provision, and all other terms and conditions shall remain in full force and effect.
REFY may communicate with you by email or by posting notices on the Site. You may be asked to provide your consent to receive other communications. You further agree that these Terms, and all correspondence and documentation relating to these Terms and your use of the Site, shall be written in the English language. Vous acceptez que ces terms d’usage, ainsi que toute la correspondence et la documentation relative à ces termes d’usage, soient rédigées en langue anglaise.
If you wish to contact us with any questions, comments or concerns regarding these Terms, the Site or our services, or to provide any notice pursuant to these Terms, please contact us at email@example.com.