Please note that our personal loan service may not be available in your jurisdiction, including Quebec.
OWNERSHIP / RESTRICTIONS ON USE
The Website and Services are owned and operated by Manzil. Any and all content, data, graphics, photographs, images, audio, video, software, systems, processes, trademarks, service marks, trade names and other information including, without limitation, the “look and feel” of the Website (collectively, the “Content”) contained in this Website and Services are proprietary to Manzil, its affiliates and/or third-party licensors. The Content is protected by Canadian, United States and international copyright and trademark laws.
Except as set forth herein, you may not modify, copy, reproduce, publish, post, transmit, distribute, display, perform, create derivative works from, transfer or sell any Content without the express prior written consent of Manzil. You may download, print and reproduce the Content for your own non-commercial, informational purposes provided you agree to maintain any and all copyright or other proprietary notices contained in such Content, and to cite the URL source of such Content. Reproduction of multiple copies of the Content, in whole or in part, for resale or distribution is strictly prohibited except with the prior written permission of Manzil. To obtain written consent for such reproduction, please contact us at firstname.lastname@example.org.
REGISTRATION AND PASSWORDS
To access certain portions of the Website or the Services, including your loan, personal finance or other account, you may be asked to complete an online registration form. In consideration for your use of this Website and the Services provided on it, you agree to provide true, current, complete and accurate information as requested on any registration form to which this Website or the Services may direct you, and to update that registration information as soon as possible after any information on such registration form changes.
Upon registration, you will choose a username and password. You alone are responsible for keeping that password and username confidential, and for any and all activity that occurs on this Website or the Services under such password or username. You agree to immediately notify Manzil of any unauthorized use of your password or username or any other breach of security.
CONSENT FOR CREDIT CHECKS
If you apply for a loan using our Website, you will be asked to provide consent to Manzil obtaining a credit score and/or report from a credit reporting agency. By providing such consent, you consent to Manzil Inc. and any of its service providers, affiliates or agents obtaining and using credit and other personal information about you (including credit reports) from any credit reporting agency, and exchanging information with any of them, on an ongoing basis. You acknowledge that this consent is effective immediately upon submitting your application and is being obtained to determine your eligibility for a loan, and if approved, to open and administer your loan, review and verify your ongoing creditworthiness, and manage and assess risk. You authorize any credit reporting agency to provide this information to Manzil Inc. and any of its service providers, affiliates or agents. Please note that our personal loan service may not be available in your jurisdiction, including Quebec.
It is our goal to provide increased value to visitors to the Website. Therefore, the Website or Service (including online advertisements) might offer you links to other sites on the Internet that are owned and operated by third parties and therefore not affiliated with us. Please understand that such linked websites are independent from Manzil and that Manzil has no control over the content of such websites. Consequently, Manzil cannot be held liable and makes no warranty or representation whatsoever as to the accuracy, timeliness and/or completeness of the information contained on such websites.
The links which we might place on our Website or the Services do not imply that we sponsor, endorse or are affiliated or associated with, or have been legally authorized to use any trade-mark, trade name, service mark, design, logo, symbol or other copyrighted materials displayed on or accessible through such sites.
In connection with your use of the Website or Services, we may send you marketing offers about third party financial products or services that may be of interest to you (“Third Party Offers”). Manzil makes no representations or guarantees regarding your eligibility or qualification for such Third Party Offers. If you have any questions regarding any Third Party Offers, you must contact the third party directly. You understand and agree that Manzil is merely providing you with information on Third Party Offers that may be of interest to you, and that Manzil has no control over or responsibility for the Third Party Offers or any loss that you may suffer as a result of the use of such Third Party Offers. You should exercise your own judgment and obtain any expert advice you consider necessary prior to entering into an arrangement with a third party.
USER CODE OF CONDUCT
As a condition of your continued access to and use of this Website or the Services, you agree to abide by all applicable federal, provincial, state, territorial and other laws and regulations and the “Code of Conduct” set forth below. Specifically, in addition, without limiting the foregoing, you agree not to:
- upload, post, e-mail or otherwise transmit any material that:
- constitutes unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation;
- infringes any patent, trade-mark, trade secret, copyright or other proprietary or privacy rights of any party;
- is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libellous, invasive of another’s privacy, hateful, racially, ethnically or otherwise objectionable, or an unfair product comparison; or
- contains any form of destructive software such as a virus, worm, Trojan horse, time bomb, cancelbot, or any other harmful components or any other computer file, program or code, designed to interrupt, destroy or limit the functionality of any computer software, hardware or telecommunications equipment;
- harvest or otherwise collect or store any information (including personally identifiable information) about other users of the Website or Services, including e-mail addresses, without the express consent of such users;
- for the purpose of misleading others, create a false identity of the sender or the origin of a message, forge headers or otherwise manipulate identifiers in order to disguise the origin of any material transmitted through the Website or Services;
- attempt to gain unauthorized access to the Website or Services, other computer systems or networks connected to the Website, through password mining or any other means;
- interfere with or disrupt networks or servers connected to the Website or Services or violate the regulations, policies or procedures of such networks; and
- use, download or otherwise copy, or provide to any person or entity any Website users directory or other user or usage information or any portion thereof other than in the context of your use of the Website or Services.
DISCLAIMER / LIMITATION OF LIABILITY
THE LAWS OF CERTAIN JURISDICTIONS, INCLUDING IN THE PROVINCE OF QUEBEC, DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LEGAL WARRANTIES, LIABILITY OR CERTAIN DAMAGES OR LIMITATIONS OF REPRESENTATIONS MADE CONCERNING GOODS OR SERVICES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE BELOW EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH CASE, EXCLUSIONS/LIMITATIONS WILL APPLY TO THE GREATEST EXTENT CONSISTENT WITH APPLICABLE LAW.
Although we strive to update and keep accurate as much as possible the Content contained on the Website or Services, errors and/or omissions may occur and we cannot guarantee it is accurate and complete at all times.
ACCORDINGLY, THIS WEBSITE, INCLUDING THE CONTENT AND SERVICES PROVIDED HEREIN, IS BEING PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS AND WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED. MANZIL DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. MANZIL DOES NOT WARRANT THAT THE FUNCTIONS ON THE WEBSITE OR THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
IN NO EVENT SHALL MANZIL, ITS AFFILIATES, MEMBERS, OFFICERS, EMPLOYEES, AGENTS AND LICENSORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM OR IN CONNECTION WITH THE USE OF, OR THE INABILITY TO USE, THE WEBSITE, ANY CONTENT OR SERVICES (INCLUDING THIRD PARTY OFFERS), EVEN IF MANZIL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, RELIABILITY OR CURRENCY OF ANY CONTENT.
Information on this site is for informational purposes only and does not constitute financial, legal, or other advice to you and should not be relied upon in that regard.
From time to time we may offer and/or co-sponsor contests or promotions on the Website or the Services. Each of these activities shall be governed by specific rules accessible from the pages of the Website or Services offering the promotion or when you submit your entry.
CHANGES AND TERMINATIONS
“Manzil” is a trademark of Manzil. Other marks, graphics, typefaces, trademarks and logos appearing on the Website and the Services are trademarks or trade dress of Manzil. All other trademarks appearing on the Website and the Services are property of their respective owners. Our trademarks and trade dress may not be used in any manner for any purpose without our express written consent.
Last Updated July 31, 2018