Terms of Service

Agreement to Terms

By accessing and using CollectionAgencies.ca (the "Website"), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using this Website.

Use of Website

Permitted Use

This Website is provided for informational purposes only. You may use this Website to:

Search for and verify collection agency information
Learn about your rights as a consumer
Access contact information for collection agencies
Read educational content about debt collection in Canada

Prohibited Activities

You agree not to:

Use the Website for any unlawful purpose
Scrape, copy, or harvest data using automated means
Attempt to gain unauthorized access to any part of the Website
Interfere with or disrupt the Website's operation
Transmit any viruses, malware, or harmful code
Impersonate any person or entity
Use the information for harassment or illegal debt collection practices

Information Accuracy

We strive to provide accurate and up-to-date information about collection agencies. However, we cannot guarantee the accuracy, completeness, or timeliness of all information. Collection agencies may change their contact information, licensing status, or business operations without notice.

Information on this Website should not be used as the sole basis for any financial or legal decisions. Always verify information directly with the collection agency or relevant regulatory authorities.

No Professional Advice

The content on this Website is for informational purposes only and does not constitute legal, financial, or professional advice. You should consult with appropriate professionals regarding your specific situation. We are not responsible for any decisions you make based on information found on this Website.

Third-Party Links

This Website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of any third-party sites. Your use of third-party websites is at your own risk.

Intellectual Property

The content, design, graphics, and compilation of information on this Website are protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

Disclaimer of Warranties

This Website is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:

The Website will be uninterrupted or error-free
Defects will be corrected
The Website is free of viruses or harmful components
Information on the Website is accurate or complete

Limitation of Liability

To the fullest extent permitted by law, CollectionAgencies.ca shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

Your use or inability to use the Website
Any unauthorized access to or use of our servers
Any interruption or cessation of transmission to or from the Website
Any bugs, viruses, or other harmful code transmitted through the Website
Any errors or omissions in content

Indemnification

You agree to indemnify, defend, and hold harmless CollectionAgencies.ca and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the Website or violation of these Terms.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website after changes are posted constitutes acceptance of the modified terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of Canada and the province of Ontario, without regard to conflict of law provisions.

Contact Information

If you have questions about these Terms of Service, please contact us:

Email: legal@collectionagencies.ca