CitiFinancial Canada Terms and Conditions

Please read the terms and conditions of this agreement ("Agreement") carefully. By accessing CitiFinancial's web site, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access CitiFinancial?s web site and any web pages thereof. In this Agreement, "you" and "your" refer to persons who access CitiFinancial?s web site and web pages ("web pages"). "We", "us" and "our" refer to CitiFinancial Canada, Inc. and CitiFinancial Canada East Corporation (together "CitiFinancial"). CitiFinancial together with its affiliates and subsidiaries shall be referred to herein as "Citi".

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 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 CitiFinancial in 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 may 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 be 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. CitiFinancial will not be deemed to have waived the exercise of any right(s) hereunder unless such waiver is made in writing.

Additional terms and conditions may 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 be 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. CitiFinancial 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 not intended to provide specific financial, accounting, tax, legal or real estate advice.

Personal Loans are underwritten in Newfoundland and Labrador, Nova Scotia and New Brunswick by CitiFinancial Canada East Corporation, and, alternatively, in the rest of Canada, by CitiFinancial Canada, Inc.

Home Equity Loans are underwritten in Newfoundland and Labrador, Nova Scotia and New Brunswick by CitiFinancial Canada East Corporation, and alternatively, in the rest of Canada, by CitiFinancial Canada, Inc.

In Ontario, CitiFinancial Canada, Inc. is licensed as brokerage 10821

Insurance Products are offered by Citi Assurance Services

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 Citi. 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 Citi, including its subsidiaries, affiliates or other entities. Any such right that is not expressly licensed herein is reserved by Citi. Images of people or places displayed on our web pages are either the property of, or used with permission by Citi. Use of these images by you or other third parties is prohibited unless expressly permitted by Citi. The display of Trademarks on our web pages does not imply that a license of any kind has been granted to anyone else.

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. Citi, 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 Citi 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 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 Citi.

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. CitiFinancial 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 CitiFinancial in Canada for complete and up-to-date information on the products and services listed in our web pages.

Reference to third parties' goods, services, information or opinions on our web pages are not specifically endorsements or approvals for all parties. Links from or to sites outside our web pages are meant for convenience only.

CitiFinancial 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. CitiFinancial is not responsible or liable for any loss or damages that result from personal or confidential material sent to CitiFinancial, or if CitiFinancial 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 CitiFinancial has been advised of the possibility of these damages. Please be advised that linking to any other web site is at your sole risk and CitiFinancial will not be responsible or liable for any damages in connection with linking.

E-mail communication over the Internet is not secure or confidential and is subject to possible interception, alteration, or loss. CitiFinancial cannot assume any responsibility or liability for anyone else for any damages in connection with any e-mail sent by you to CitiFinancial or any e-mail sent by CitiFinancial to you at your request.

The web pages on this web site as they relate to any and all information regarding products and services offered by CitiFinancial 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.