Terms and Conditions

Last Updated: November 25, 2024

These Terms and Conditions (the "Agreement") govern the use of the services and website of MHB Financial, a Canadian corporation, or any of its subsidiaries or affiliates ("MHB Financial," “MHB,” "We," or "Us"). This Agreement outlines the terms under which users ("You") may access and interact with our website and related services (collectively, the "Service"). By using the Service, You agree to comply with this Agreement.

1. Acceptance of Terms

By accessing or using MHB Financial’s website, products, or services (the "Site"), you agree to comply with these Terms and Conditions ("Terms") and our Privacy Policy. If you do not accept these Terms, you must discontinue use of the Site immediately.

MHB Financial reserves the right to modify these Terms at any time. Changes will take effect immediately upon posting to the Site unless specified otherwise. Continued use of the Site following any updates signifies your acknowledgment and acceptance of the revised Terms.

2. Electronic Communications

By interacting with MHB Financial electronically, including through email, text messages, or the Site, you consent to receive communications from us electronically. These communications may include agreements, notices, disclosures, and promotional materials, which satisfy any legal requirement for written communications.

You may opt out of receiving promotional communications by following the instructions provided in those messages or contacting us directly. Opting out may limit your access to certain features of the Site.

3. License and Intellectual Property

The contents of this Site, including but not limited to text, graphics, logos, images, and software, are the property of MHB Financial or its licensors and are protected under applicable copyright and trademark laws.

You are granted a limited, non-exclusive, and revocable license to access and use the Site for personal and lawful purposes. You agree not to:

  • Copy, modify, distribute, or publicly display Site content without prior written consent.
  • Use the Site for any illegal purpose or activity that violates these Terms.
  • Attempt to compromise the Site’s functionality, including by introducing harmful code, overloading the server, or bypassing security protocols.

MHB Financial reserves the right to terminate this license at its discretion if you violate these Terms.

4. Restricted Access and Security

If you create an account or are granted access to restricted areas of the Site, you are responsible for maintaining the confidentiality of your username and password.

You agree to:

  • Notify us immediately of any unauthorized use of your account.
  • Ensure that your login credentials are not shared or used by unauthorized persons.

MHB Financial reserves the right to suspend or terminate your account if we detect or suspect any breach of these Terms or unauthorized activities.

5. Information Provided by You

By submitting information through the Site, you represent and warrant that:

  • You have the legal right to provide such information.
  • The information is accurate, complete, and not misleading.
  • The information does not infringe on the rights of any third party.

We will handle any personal information you provide in accordance with our Privacy Policy and applicable data protection laws.

6. Disclaimer of Warranties

The Site and all content provided therein are offered on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non- infringement.

MHB Financial does not warrant that:

  • The Site will be uninterrupted, error-free, or secure.
  • Any information or content on the Site is accurate, complete, or current.

You acknowledge that your use of the Site is at your sole risk. MHB Financial is not responsible for any harm or damages resulting from your reliance on the Site or its content.

7. Limitation of Liability

To the fullest extent permitted by law, MHB Financial shall not be held liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or related to:

  • The use or inability to use the Site.
  • Errors, inaccuracies, or omissions in the Site’s content.
  • Unauthorized access to or alteration of your information.

This limitation applies even if MHB Financial has been advised of the possibility of such damages.

8. Third-Party Links

The Site may contain links to third-party websites or resources. These links are provided for your convenience and do not constitute an endorsement by MHB Financial. We are not responsible for the availability, content, or services of these third-party sites. Use of third-party links is at your own risk.

9. Indemnification

You agree to indemnify and hold harmless MHB Financial, its affiliates, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from your:

  • Violation of these Terms.
  • Use of the Site.
  • Infringement of any third-party rights.

10. Changes to the Terms

MHB Financial reserves the right to modify these Terms at any time without prior notice. Changes will be effective immediately upon posting on the Site. Your continued use of the Site constitutes acceptance of the revised Terms.

11. Governing Law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada. Any disputes arising out of or in connection with these Terms shall be resolved exclusively in the courts located in Ontario, Canada.

12. Entire Agreement

These Terms, along with our Privacy Policy, constitute the entire agreement between you and MHB Financial concerning your use of the Site. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

13. Contact Us

If you have any questions about these Terms, please contact MHB Financial at: MHB Financial
1-40 Bradwick Drive, Concord, Ontario, Canada L4K1K9
416-381-4059
info@mhbfinancial.ca