Introduction
Welcome to the Hip & Valley Financial Solutions Inc. website (the “Site”). By accessing or using our Site, you agree to comply with and be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our Site.
1. Acceptance of Terms
By accessing or using our Site, you confirm that you are at least 18 years old and have the legal capacity to enter into these Terms and Conditions.
2. Changes to Terms
We reserve the right to modify these Terms and Conditions at any time. Any changes will be effective immediately upon posting on this page. Your continued use of the Site after any changes indicates your acceptance of the new Terms.
3. Use of the Site
You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of this Site by any third party. Prohibited behavior includes, but is not limited to:
- Transmitting or procuring the sending of any advertising or promotional material.
- Impersonating or attempting to impersonate Hip & Valley Financial Solutions Inc., an employee, another user, or any other person or entity.
- Engaging in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Site.
4. Regulatory Compliance
Hip & Valley Financial Solutions Inc. operates in compliance with the applicable regulations governing insurance and investment services in Canada, including the guidelines set forth by the Canadian Securities Administrators (CSA) and the Insurance Companies Act. We adhere to the standards and practices established by these regulatory bodies to ensure the integrity and security of our services.
5. Errors and Omissions Insurance
Hip & Valley Financial Solutions Inc. maintains Errors and Omissions (E&O) insurance to protect our advisors and clients from potential mistakes or negligence in the delivery of our services. This insurance provides a layer of protection for both our advisors and visitors to the Site, ensuring that any unintentional errors are covered, subject to the terms of the policy.
6. Quote Forms
When you fill out a quote form on our Site, you agree to provide accurate and complete information. You acknowledge that we rely on the information you provide to generate quotes and provide services.
7. Intellectual Property
All content on the Site, including text, graphics, logos, and software, is the property of Hip & Valley Financial Solutions Inc. and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, or create derivative works from any content without our express written permission.
8. Disclaimer of Warranties
The information on this Site is provided on an “as is” basis without any warranties of any kind, either express or implied. We do not warrant that the Site will be uninterrupted or error-free, that defects will be corrected, or that the Site or the server that makes it available are free of viruses or other harmful components.
9. Limitation of Liability
To the fullest extent permitted by law, Hip & Valley Financial Solutions Inc. shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the Site or any services provided.
10. Indemnification
You agree to indemnify and hold harmless Hip & Valley Financial Solutions Inc., its affiliates, and their respective officers, directors, employees, and agents from any claims, losses, liabilities, damages, costs, or expenses (including reasonable attorney’s fees) arising out of or related to your use of the Site or violation of these Terms.
11. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of Canada. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts.
12. Contact Us
If you have any questions about these Terms and Conditions, please contact us at:
Hip & Valley Financial Solutions Inc.
inquiry@hipandvalley.com
Last modified: March 24, 2025