1. Acceptance of Website Terms of Use

These general terms of use of the urgentloans.co Website (the "Website") constitute a legal agreement and are entered into between you and Services Financiers Athena Inc. (the "Company", "we" or "our"). The following general terms as well as any additional documents and/or terms they expressly incorporate by reference (collectively the "Terms") govern your access and use, including any content, functionality and services offered on or through the Website.

By using the Website, you agree to be bound and comply with these Terms and our Privacy Policy (the "Privacy Policy") which is incorporated herein by reference. If you do not accept these Terms or the Privacy Policy, you must not access or use the Website.

By using this Website, you represent and warrant that you are of legal age of majority under applicable law to enter into a binding contract with the Company and that you meet all the eligibility requirements set out herein. If you do not meet all of these requirements, you must not access or use the Website.

2. Changes to Terms and Website

We reserve the right, at our sole discretion, to revise and update these Terms from time to time. All changes take effect upon posting and apply to all access and continued use of the Website. You agree to periodically review the Terms to be aware of such changes and you accept them by continuing to use the Website. Information and materials on this Website may be changed, withdrawn or deleted at any time at our sole discretion, without notice. We will not be liable if, for any reason, all or part of the Website is restricted to users or unavailable at any time or for any period.

The content of our Website is provided for general information purposes only. It is not advice on which you should rely. You should obtain more specific or professional advice before taking, or refraining from, any action or inaction based on the content of our Website. While we make reasonable efforts to update the information on our Website, we make no representations, warranties, express or implied, as to the accuracy, completeness or currency of the content of our Website.

You use the Website at your own risk and neither the Company nor its parent company, subsidiaries, affiliates and their respective directors, officers, employees, agents, service providers, contractors, licensors, licensees, suppliers or successors have any liability whatsoever for your use of this Website.

This Website may include content provided by third parties, including by other users and third-party licensors. All statements and/or opinions expressed in this third-party content, other than content provided by the Company, are solely the opinions and responsibility of the person or entity providing such material. Such content does not necessarily reflect the opinion of the Company. Neither the Company, nor its parent company, subsidiaries, affiliates and their respective directors, officers, employees, agents, service providers, contractors, licensors, licensees, suppliers or successors have any liability whatsoever to you or any third party with respect to the content or accuracy of materials provided by third parties.

3. Use of Website, Account Creation and Security

The security of your personal information is very important to us. We use physical, electronic and administrative measures designed to protect your personal information from accidental loss and from unauthorized access, use, alteration and disclosure.

The protection and security of your information also depends on you. Users are responsible for obtaining their own access to the Website. Users are required to ensure that all persons who access the Website through the user's internet connection are aware of and comply with these Terms. The Website, including its content or portions thereof, may require user registration. Use of the Website is subject to the accuracy, currency and completeness of all information you provide on the Website.

Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained in the Website.

Providing registration information and any submission to the Website through a feature constitutes your consent to all actions we take with respect to such information in accordance with our Privacy Policy. Any username, password or other information you choose or are provided as part of our security procedures must be treated as confidential and must not be disclosed to any other person or entity. You must exercise caution when accessing your account from a public or shared computer so that others cannot view or record your password or other personal information. You understand and agree that if an account is provided to you, that account is personal to you and you agree not to allow any other person to access this Website or portions thereof using your username, password or other security information. You agree to immediately report any unauthorized access or use of your username or password, or any other security incident. You also agree to ensure that you log out of your account at the end of each session. You are responsible for any misuse of your password or any unauthorized access.

We reserve the right, at any time and from time to time, to disable or terminate your account, any username, password or other identifier, whether chosen by you or provided by us, at our sole discretion, for any reason or no reason, including any violation of any provision of these Terms.

You are prohibited from attempting to circumvent and compromise the security of this Website, including, without limitation: (a) accessing content and data not intended for you; (b) attempting to breach or breaching security measures and/or authentication measures that are not authorized; (c) restricting, disrupting or disabling service to users, hosts, servers or networks; (d) disrupting network services and otherwise disrupting the Website owner's ability to monitor the Website; (e) using any robot, spider or other automatic device, process or means to access the Website for any purpose, including monitoring or copying Website content; (f) introducing viruses, Trojan horses, worms, logic bombs or any other malicious or technologically harmful material; (g) attacking the Website through a denial of service attack, distributed denial of service attack, flooding, mail bombing or crashing; and (h) otherwise attempting to interfere with the proper functioning of the Website.

4. Intellectual Property and Proprietary Rights

You understand and agree that the Website and all of its content, features and functionality, including, but not limited to, all information, software, code, data text, displays, graphics, photographs, images, video, audio, music, broadcast, design, presentation, layout, selection and arrangement, are the property of the Company, its licensors or other providers of such material and are protected in all forms by intellectual property laws, including, but not limited to, copyright, trademark, patent, trade secrets and all other proprietary rights.

The names, logos, product and service names, designs, images and slogans mentioned or appearing on this Website are trademarks of their respective owners. Use of any such property, except as expressly authorized, constitutes an infringement or violation of the owner's rights and may constitute a violation of federal or other laws and may expose the infringer to legal action.

You may use the Website only for your personal and non-commercial use. You shall not, directly or indirectly, reproduce, compile for an internal database, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any material on our Website, in any form or medium. Users are not permitted to modify copies of any material from this Website or delete or alter any copyright, trademark or other proprietary rights notices on copies of materials from this site. You must not access or use for any commercial purpose any part of the Website or any services or materials available through this Website.

If you print, copy or download any part of our Website in violation of these Terms, your right to use the Website will immediately cease and you must, at our discretion, return or destroy all copies of the materials you have made. You have no right, title or interest in the Website or its content, and all rights not expressly granted are reserved by the Company. Any use of the Website not expressly permitted by these Terms is a violation thereof and may infringe or violate copyright, trademark and other intellectual property or other proprietary rights.

5. Privacy

By submitting your personal information and using our Website, you consent to the collection, use, reproduction, hosting, transmission and disclosure of any content so submitted by the user in accordance with our Privacy Policy, to the extent we deem necessary for the use of the Website.

6. 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 such sites, you do so at your own risk. We have no control over the content of such third-party sites and accept no responsibility for such sites or for any loss or damage that may result from their use. You are subject to the terms of use of such third-party sites.

Our Website must not be framed on any other site, and you may not create a link to any part of our Website other than the home page. We reserve the right to withdraw linking permission without notice. You agree to cooperate with us to immediately stop any unauthorized linking.

7. Geographic Restrictions

The owner of the Website is based in the Province of Quebec, Canada. 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 Website from abroad, you do so at your own risk and are responsible for compliance with local laws in your jurisdiction.

8. Liability and Limitation of Liability

You understand and agree that your use of the Website, its content and any service or item found or obtained through the Website is at your own risk. The Website, its content and all services or items found or obtained through the Website are provided "as is" and "as available", without any warranty or condition of any kind, express or implied.

Neither the Company, nor its parent company, subsidiaries, affiliates or their respective directors, officers, employees, agents, service providers, contractors, licensors, licensees, suppliers or successors make any warranty, representation or endorsement regarding the completeness, security, reliability, suitability, accuracy, currency or availability of the Website or its content. Without limiting the foregoing, neither the Company, nor its parent company, subsidiaries, affiliates or their respective directors, officers, employees, agents, service providers, contractors, licensors, licensees, suppliers or successors represent or warrant that the Website, its content or any service or item found or obtained through the Website will be accurate, reliable, error-free or uninterrupted, that defects will be corrected, that our Website or the server that makes it available are free of viruses or other harmful components.

You are solely and entirely responsible for your use of the Website and the security of your computer, internet and data. To the fullest extent provided by law, we will not be liable for any loss or damage caused by an attack, overload, mail bombing or crash, viruses, Trojan horses, worms, or other technologically harmful materials that may infect your computer equipment, computer programs, data or other property due to your use of the Website or any service or item found or obtained through the Website or your downloading of any materials posted on the Website or any website linked to it.

EXCEPT WHERE SUCH EXCLUSIONS ARE PROHIBITED BY LAW, IN NO EVENT SHALL THE COMPANY, ITS PARENT COMPANY, SUBSIDIARIES, AFFILIATES OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SERVICE PROVIDERS, CONTRACTORS, LICENSORS, LICENSEES, SUPPLIERS OR SUCCESSORS BE LIABLE FOR NEGLIGENCE, GROSS NEGLIGENCE, NEGLIGENT MISREPRESENTATION, FUNDAMENTAL BREACH, DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING, BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, WHETHER CAUSED BY TORT, BREACH OF CONTRACT, BREACH OF PRIVACY OR OTHERWISE, EVEN IF THE PARTY WAS ALLEGEDLY INFORMED OR HAD REASON TO KNOW, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, OR RELIANCE ON THE WEBSITE, ANY LINKED WEBSITE OR ANY OTHER THIRD-PARTY WEBSITE, OR ANY WEBSITE CONTENT, MATERIAL, POSTING OR INFORMATION THEREON.

9. Indemnification

To the maximum extent permitted by applicable law, you agree to defend, indemnify and hold harmless the Company, its parent company, subsidiaries, affiliates and their respective directors, officers, employees, agents, service providers, contractors, licensors, suppliers, successors and assigns from any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable legal fees) arising out of or relating to your violation of these Terms or your use of the Website, including, but not limited to, third-party sites, any use of the Website's content, services and products other than as expressly authorized in these Terms.

10. Governing Law

The Website and these Terms will be governed by and construed in accordance with the laws of the Province of Quebec and the federal laws of Canada applicable therein, without giving effect to any choice or conflict of law provisions, principles or rules and notwithstanding your domicile, residence or physical location. Any action or proceeding arising out of or relating to this Website and under these Terms shall be brought in the courts of the Province of Quebec 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. You waive any objection to the jurisdiction of such courts over you and the venue of such courts.

11. Waiver

No failure to exercise or delay in exercising any right, remedy, power or privilege arising under these Terms constitutes or may be construed as a waiver of such right, remedy, power or privilege; the single or partial exercise of any right, remedy, power or privilege under these Terms does not preclude any other or further exercise of that right, remedy, power or privilege or any other right, remedy, power or privilege.

12. 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.

13. Entire Agreement

The Terms and our Privacy Policy constitute the sole and entire agreement between you and Services Financiers Athena Inc. regarding the Website and supersede all prior and contemporaneous agreements, understandings, representations and warranties, both written and oral, regarding this subject matter.

14. Reporting and Contact

This Website is operated by Services Financiers Athena Inc. If you become aware of any misuse of the Website, including defamatory behavior, you must report it to the Company at info@servicesfinanciersathena.com

All other feedback, comments, requests for technical support and other communications regarding the Website should be directed to info@servicesfinanciersathena.com.

Last updated: 10/20/2023