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Home : Terms, Conditions, Caveats, and Small Print |
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Terms, Conditions, Caveats, and Small Print
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Web Site Legal Terms and Conditions
Please read the terms and conditions of this agreement ("Agreement") carefully. By accessing Citi Retail Services' Web site, you agree to be bound by the terms and conditions below in addition to the terms and conditions contained in the Citigroup Web site
www.citigroup.com
If you do not agree to the terms and conditions below and those contained in the Citigroup Web site, do not access Citi Retail Services' Web site and any Web pages thereof.
In this Agreement, "you" and "your" refer to persons who access Citi Retail Services' Web site and Web pages ("Web pages"). "We", "us" and "our" refer to CitiFinancial Canada, Inc., CitiFinancial Canada East Corporation and their affiliates and subsidiaries (collectively "Citi Retail Services").
By accessing and using our Web pages, you agree to the following terms and conditions:
You represent and warrant that you are of sufficient legal age to use our Web pages and to create binding legal obligations for any liability that you may incur as a result of or in connection to such use. Products and services advertised on our Web pages are subject to the applicable agreements governing them. Further, these products and services are only available in those provinces and territories in Canada in which they may legally be offered.
Our Web pages do not constitute an offer or solicitation by Citi Retail Services in any jurisdiction where any jurisdiction where such a solicitation cannot legally be made, or to any person to whom it is unlawful to make a solicitation.
The disclaimers, terms and conditions, and limitations in this section of our Web pages are of general application and shall be read to be supplementary to, any other disclaimer, term and condition, and limitation in any other section of this Web site. The headings in this section and this Web site are only for general reference purposes.
Additional terms and conditions my apply to the products and services offered by or on our Web sites and additional terms and conditions may be located on and apply to specific Web sites of ours. You agree to abide by such other terms and conditions. All terms and conditions shall be deemed severable. In the event that any provision is determined to unenforceable or invalid, such provision shall nevertheless be enforced to the fullest extent permitted by applicable law, and such determination shall not affect the validity and enforceability of any other remaining provisions. Citi Retail Services will not be deemed to have waived the exercise of any right(s) hereunder unless such waiver is made in writing.The contents of this site are or not intended to provide specific financial,accounting, tax,legal or real estate advice.
Personal Loans/Home Equity Loans
Personal Loans and Home Equity Loans are underwritten in Newfoundland and Labrador, Nova Scotia and New Brunswick by CitiFinancial Canada East Corporation, and in the rest of Canada by CitiFinancial Canada, Inc.
Insurance
Insurance products are offered by American Health and Life Insurance Company and Triton Insurance Company.
Trademarks, Copyrights, Other Rights
You should assume everything on our Web pages is protected by and subject to applicable copyright, trademark and patent or other intellectual property right unless otherwise noted and may not be used except with the express written consent of Citigroup, Inc. Certain names, products, technology, service, logos, graphics, designs, words, phrases or the like, may constitute, trade names, trademarks, or service marks (collectively "Trademarks") owned by Citigroup, including its subsidiaries, affiliates or other entities. Any such right that is not expressly licensed herein is reserved by Citigroup. Images of people or places displayed on our Web pages are either the property of, or used with permission by Citigroup. Use of these images by you or other third party is prohibited unless expressly permitted by Citigroup. The display of Trademarks on our Web pages does not imply that a license of any kind has been granted to anyone else.
CITI, CITIBANK, CITICORP, CITIGROUP and the Umbrella Device are trademark and service marks of Citicorp and are used and registered throughout the world. The Blue Wave design is trade dress of Citicorp and is used throughout the world. Citibank, Citicorp, Citigroup and any unauthorized use, including but not limited to, downloading, modification, retransmission, redistribution, sale, storage in any medium or other copying of these images or the Trademark may violate copyright laws, trademark laws, privacy laws, moral rights and other applicable regulations and statutes of Canada and other countries and is expressly prohibited. Citigroup its affiliates and subsidiaries, neither warrants nor represents that your use of the material displayed on our Web pages will not infringe rights of third parties. Nothing contained on our Web pages should be construed as granting by implication, estoppel or otherwise, any license or right to use any Trademarks displayed on this site without the written permission of Citigroup or such third party that may own the Trademarks. Misuse of any of the Trademarks, or any other content, displayed on our Web pages is expressly prohibited. No content from this our Web pages may be posted to newsgroups, electronic bulletin boards, mail lists or incorporated into any other site without the express written consent of Citigroup.
The information and materials contained in these pages, and the terms, conditions and descriptions that appear, are subject to change. Unauthorized us of Citigroup's web sites and systems including but not limited to unauthorized entry into Citigroup's systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination by Citigroup and/or its affiliates.
Accuracy and Changes
Contents of this Web site are believed to be current, accurate and complete as of the date placed on our Web site and Web pages. Citi Retail Services reserves the right to change the contents of this Web site, including the privacy and legal terms at any time without prior notice or consent. Any changes become effective immediately and may be made without updating our Web pages. Please consult any branch of Citi Retail Services in Canada for complete and up-to-date information on the products and services listed in our Web pages.
Links
This site may contain links to web sites controlled or offered by third parties (non-affiliates of Citigroup). Citigroup hereby disclaims liability for, any information, materials, products or services posted or offered at any of the third party sites linked to this web site. By creating a link to a third party web site, Citigroup does not endorse of recommend any products or services offered or information contained at that web site, nor is Citigroup liable for any failure of products or services offered or advertised at those sites. Such third party may have a privacy policy different from that at Citigroup and the third party web site may provide less security than the Citigroup site.
No Warranty
The information and materials contained in this site, including text, graphics, links or other items are provided "as is", "as available". Citigroup does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, expressed or statutory including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.
Limitation of Liability
Citi Retail Services is not responsible for and will not be liable to you or anyone else for any damages whatsoever (including direct, indirect, incidental, special, consequential, exemplary or punitive damages) arising out of or in connection with the use of or inability to use our Web pages. Citi Retail Services is not responsible or liable for any loss or damages that result from personal or confidential material sent to Citi Retail Services, or if Citi Retail Services sends such information at your request, or any action or decision made by you in reliance on this Web site, including, but not limited to, its contents, any unauthorized use or reproduction of this Web site, even if Citi Retail Services has been advised of the possibility of these damages. In no event will Citigroup be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Citigroup, or representatives thereof, are advised of the possibility of such damages, losses or expenses.
Internet E-mail
E-mail communication over the Internet is not secure or confidential and is subject to possible interception, alteration, or loss. Citi Retail Services cannot assume any responsibility or liability for any one else for any damages in connection with any e-mail sent by you to Citi Retail Services or any e-mail sent by Citi Retail Services to you at your request.
Submissions
All information submitted to Citigroup via this site shall be deemed and remain the property of Citigroup and Citigroup shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this site provides Citigroup through this site. Citigroup shall not be subject to any obligation of confidentiality regarding submitted information except as agreed by the Citigroup entity having the direct customer relationship or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing Citigroup's responsibilities and obligations to customers in accordance with the Citigroup Privacy Promise for Consumers.
Jurisdiction
The Web pages on this Web site as they relate to any and all information regarding products and services offered by Citi Retail Services are administered by CitiFinancial Canada, Inc. from its offices in Canada. These Web pages will be governed by and construed in accordance with the laws of the province of Ontario and the laws of Canada applicable therein, without giving effect to any principles of conflicts of laws. All disputes, actions, controversies or claims arising out of or in connection with these Web pages shall be governed by and will be submitted to the exclusive jurisdiction of the courts of the province of Ontario. You attorn to the exclusive jurisdiction of these courts.
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