– Terms of use

We are Impak

Welcome to our site. There are a few things we need to cover here: none of it is surprising. But if you want to suggest or fix something, please tell us by wrinting to [email protected]

Impak is the trade name of Impak Finance Inc., which is a canadian corporation  under the The Canada Business Corporations Act.

Our registered company address is 1000, Sherbooke Ouest, suite 2700, Montreal, Quebec, H3A 3G4

  1. By accessing this website (the “Site”), you acknowledge these terms and conditions of use and agree to be bound by them. If you do not agree to these terms, please discontinue accessing the Site immediately.
  2. We reserve the right, in our sole discretion, to modify, alter or otherwise update these terms and conditions at any time and you agree to be bound by such modifications, alterations or updates.
  3. The content of the Site is published by Impak Finance Inc. (“Impak”).
  4. This Site is only intended to provide you with general information and is neither an offer to sell nor a solicitation of an offer.
  5. Information on the Site is not intended to provide legal, accounting, financial or tax advice, and should not be relied upon in that regard.
  6. The Site is provided on an “as is” and “as available” basis, without any representations, warranties or conditions of any kind, whether expressed or implied, and including without limitation implied representations, warranties or conditions of title, non-infringement, merchantability, fitness for a particular purpose, performance, durability, availability, timeliness, accuracy, or completeness, all of which are hereby disclaimed by Impak to the fullest extent permitted by law.
  7. Every effort has been made to ensure that the material contained on the site is accurate at the time of publication. However, Impak will not under any circumstances be liable to you or any other person in any way for any loss or damages (direct, indirect, special, economic, incidental, consequential, punitive or exemplary, including without limitation loss of revenue, data, anticipated profits or lost business) in respect of use of, or inability to use, or any reliance on, the Site, any of its content or links (including without limitation any inaccuracies or viruses), or any web browser or other equipment.
  8. By accessing the Site, you agree to indemnify and hold harmless Impak, suppliers and their respective directors, officers and employees from and against any and all actions, proceedings, costs, claims, liabilities, damages and expenses (including reasonable legal fees) arising from or in connection with a breach of these terms and conditions or the use of this Site.
  9. The contents of the Site are protected by applicable copyright and trademark laws. Unauthorized use or exploitation of such content is strictly prohibited including without limitation, unauthorized downloading, retransmission, storage in any medium, copying, redistribution, reproduction, or republication of the Site, or any part thereof, for any purpose.
  10. Other sites accessed by hypertext appearing in the Site may have been independently developed by parties other than Impak. Impak does not guarantee the accuracy of information contained in such other sites.
  11. Links to other sites should not be taken as Impak’s endorsement or approval of such other sites, the third parties named therein, or their products and services, nor is any liability assumed for incompatibility, non-suitability, viral infection or other destructive/disruptive components on or from such other sites.
  12. Links to the Site without the express written permission of Impak are strictly prohibited. To request permission, please contact [email protected] The framing, mirroring, scraping or data-mining of the Site or any of its content in any form and by any method is strictly prohibited.
  13. Impak cannot guarantee complete confidentiality or security for information that is transmitted electronically. By accessing the Site, you acknowledge that Impak is not responsible for any damages or losses you may suffer as a result of your electronic transmission of confidential or sensitive information to us. Please refer to Impak’s privacy policy (hyperlink to PP page) for more information.
  14. No consent or waiver by either party to, or of any breach or default by, the other party in its performance of its obligations under this agreement will be deemed or construed to be a consent to, or a waiver of, a continuing breach or default or any other breach or default of those or any other obligations of that party. No consent or waiver will be effective unless in writing.
  15. If any provision of these terms and conditions is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed to be severed from the rest of these terms and conditions and shall not affect the validity and enforceability of any remaining provisions.
  16. These terms and conditions are governed by the laws of Canada applicable therein, excluding any conflict of laws which would lead to the application of any other laws. By accessing the Site, you hereby irrevocably submit and attorn to the federal courts located in the City of Montreal, Quebec for any disputes or matters arising from, connected with, or relating to the Site, this agreement or any related matters.

IMPAK’S PRIVACY POLICY

Impak Finance Inc. and its affiliated companies (together “Impak”, “us”, “we”) values its customers and respects their privacy.

This privacy policy (this “Privacy Policy”) describes the personal information we may collect from you, the purposes for which we collect it, how we use it and when we may share it with third parties. This Privacy Policy also describes the choices you can make about how we collect, use and disclose your information. Impak will not collect, use or disclose your personal information other than in compliance with this Privacy Policy.

By registering through our various websites or by any other means, you agree to the terms and conditions of Impak’s Privacy Policy.

OUR PRIVACY POLICY

TYPE OF INFORMATION COLLECTED

We collect personal information from you when you save or otherwise provide your personal information to us, such as by setting up a user account and password, logging in as a registered user, making an order for our services, providing information in your account (and you might have more than one, if you’ve set up more than one account with us), interacting with us by the telephone, e-mail, or through our websites, mobile optimized websites or otherwise or if you complete an entry form to  participate in a contest, promotion or survey that we organize.  As a result of these actions, you might supply us with personal information, such as your name, e-mail and postal addresses, phone number(s), credit card information, survey information and financial information and in certain circumstances, your opinions and individual preferences. We may also maintain a record of your interests and acquire information about you from our present and future affiliates or divisions (collectively, “Impak Affiliates”).

When you visit our websites, we may also gather certain information automatically and store it in log files. This information may include without limitation, your location, your mobile device, including a unique identifier for your device browser information, Internet Service Provider (ISP), operating system, Internet Protocol (IP) addresses or other device identifiers, location and date/time stamp.  Impak and our service providers will use and store this information to provide you with location based services, search results, and other personalized content.  Impak will provide notifications only to those customers who accept to receive such notifications. Most mobile devices allow you to control or disable location services in the device’s setting’s menu.  If you have questions about how to disable your device’s location services, we recommend you contact your mobile service carrier or the manufacturer of your particular device.

Impak’s websites are directed for people 13 years old and older. Impak does not knowingly collect any personal information from children under the age of 13.  Those under age 13 should not use Impak’s various websites or mobile applications or provide Impak with any personal information. If we learn that we have collected personal information of a child under 13, we will take steps to delete such information from our files as soon as practicable.

PURPOSES FOR WHICH YOUR INFORMATION IS COLLECTED

Impak may use your personal information to (i) provide you our services; (ii) collect precise location data on you; (iii) provide you with information for our services; (iv) administer your account and contact you; (v) facilitate communications including collecting information about your device information, your phone number; (vi) communicate with you (via our mobile applications, by telephone, by push notification, e-mail, post or otherwise) and provide you with promotional materials and additional information regarding our services, products, surveys, contests, promotions and special offers; (vii) help us learn more about your preferences and interactions with our services; and (viii) conduct marketing and performance research, to assist us in measuring our service, benchmarking our performance and to help us improve our services. As provided below, you may always choose not to receive promotional materials or marketing information.

YOUR INFORMATION AND THIRD PARTIES

If you use our services, visit any or our websites, participate in a contest, survey, promotion or special offer, we may share your personal information with Impak’s Affiliates, so that they can communicate with you (whether by push notification, telephone, e-mail, post or otherwise) and provide you with promotional materials and additional information about their services, products, contests, promotions and special offers that may be of interest to you, or collect and use that information subject to and for other purposes contemplated by this Privacy Policy.   

We do not sell or rent your personal information to non-affiliated third parties except as permitted by law.  

We may disclose information about you to our partners (including to service or content providers, or to copyright holders) to the extent such disclosure is required for purposes identified in this Privacy Policy. Specifically, we may use third parties to facilitate our business, such as payment processors, to host the services at a co-location facility for servers, to send out e-mail or push notification updates about our services, or to provide customer service.  In connection with these business operations, our contractors and service providers may have access to your information collected by us for use for a limited time in connection with these business activities. Where we utilize third parties for the processing of any personal information, we implement reasonable contractual and technical protections in order for such third parties to keep all personal information they process strictly confidential.  Please note that these third parties may be located in other countries where the laws on processing personal information can differ from the laws of your country of residence.

We will keep your personal information only as long as is reasonably necessary for the purposes described in this Privacy Policy or such longer period as may be required by applicable law.

We reserve the right to disclose your personal information as required by law, in response to legal process and law enforcement requests, and as necessary to protect the property, interests and rights of Impak and the Impak Affiliates.

The Impak’s various websites may contain links to websites operated by third parties. These websites may collect your personal information.  This Privacy Policy does not apply to the practices of third parties and Impak does not assume any responsibility for your using such websites and/or accessing a third party’s website from any of Impak’s websites.  By using our websites and/or accessing a third party’s website from any of Impak’s websites, you release Impak of any responsibility for the actions, practices and omissions of third parties.  Please check the privacy policy at each website you visit.

INFORMATION ABOUT PLATFORM PERMISSIONS

Mobile platforms (such as iOS, Android, etc.) have defined certain types of device data that mobile applications cannot access without your consent.  Your consent is required differently from one mobile platform to the other.  For example: (i) the iOS platform will alert you the first time a mobile application requires permission to access certain types of data and will let you consent (or not consent) to that request; (ii) Android devices will notify you of the permissions that the mobile application seeks before you first use the mobile application and your use of the application constitutes your consent.  Should you need more information on this subject, please refer to the website of the relevant mobile platform.

RECEIVING PROMOTIONAL COMMUNICATIONS

We want to communicate with you only if you want to hear from us. If you prefer not to receive promotional information from us, other Impak Affiliates or third parties that we entrust with such a task, or if you do not want us to use your information to enhance your experience, please let us know by using one of the following methods: (i) email us at [email protected], or (ii) send your request to Impak, 1000, Sherbooke Ouest, suite 2700, Montreal, Quebec, H3A 3G4.  Please be sure to include your full name and the e-mail address you used when you registered with or made a purchase from us.  It may take up to 2 weeks to process your postal mail request, during which period you may continue to receive communications from Impak, Impak Affiliates or third parties.  You may also unsubscribe from Impak’s email services by using the unsubscribe link situated at the bottom of any promotional message you receive from Impak.

COOKIES AND USE COOKIES BY TÉO ON ITS WEBSITES

Cookies are small data files transferred to your computer’s hard-drive by a website or other Internet-connected devices. They keep a record of your preferences making your subsequent visits to the website more efficient.  Cookies may store a variety of information, including, the number of times that you access a website, registration information and the number of times that you view a particular page or other item on the website.  We use cookies to provide you with a tailored experience when visiting our websites and using our products and services. We also use cookies to understand traffic patterns on our websites and services, and to authorize access to certain premium or trial content and product features.  We use authentication tokens to automatically authenticate users of certain of our applications.

The use of cookies is a common practice adopted by most major sites to better serve their clients. Most browsers are designed to accept cookies, but they can be easily modified to block cookies; see your browser’s help files for details on how to block cookies, how to know when you have received cookies and how to disable cookies completely.  You should know, however, that without cookies, some of our websites’ functions will not be available and you as user will lose some of the benefits of the website.

ACCESSING OR CHANGING YOUR PERSONAL INFORMATION, WITHDRAWING YOUR CONSENT, OR MAKING INQUIRIES OR COMPLAINTS IN RELATION TO THIS POLICY AND IMPAK’S PRIVACY PRACTICES

Impak will ensure that the personal information it collects is as accurate, complete, and up-to-date as is necessary for the purposes for which it is to be used.  You are entitled to request access to and correction of your personal information collected by us.  In order to make such a request, or if you have any questions or to make any complaint in relation to this Privacy Policy and Impal’s privacy practices, please contact our privacy officer by writing to:

Privacy Officer

Impak Finance Inc.

1000, Sherbooke Ouest, suite 2700, Montreal, Quebec, H3A 3G4

 

If you have consented to the collection, use and/or disclosure of personal information as identified herein, please note that you can also withdraw your consent at any time by communicating with our privacy officer as provided above.

SECURING PERSONAL INFORMATION

We have adopted appropriate measures to ensure the confidentiality of personal information and to safeguard personal information against loss or theft, as well as unauthorized access, disclosure, copying, use or modification, in light of, among other things, the sensitivity of the information and the purposes for which it is to be used. Furthermore, each and every Impak employee, mandatory or agent must abide by this Privacy Policy.

CHANGES TO OUR POLICY

Impak frequently revises this Privacy Policy to keep it up to date with applicable legislation and Impak’s services.  Where a significant change to this Privacy Policy is introduced, an updated notices may be used to alert users to such changes and to the date of the last update, such as the posting of the revised Privacy Policy on any of Impak’s websites or services.  Following our notification of such changes, your continued use of any of our websites or of our services will constitute your acceptance of these changes and you will be bound by such changes.  If you do not continue to use any of our websites or our services following a change to our Privacy Policy, but take no other action with respect to your personal information, our use of that information will nonetheless be subject to our Privacy Policy as amended.  You are responsible for regularly reviewing this Privacy Policy and any changes thereto.

This Privacy Policy is dated 27 July 2016