Oltre Financial Inc. operates under the trademark OPTIML FINTECH SOLUTIONS™ ("Optiml™") and provides certain online goods and services software for personalized lifetime tax and estate optimization. WE DO NOT PROVIDE FINANCIAL OR INVESTMENT ADVICE. We refer to our service offerings as the "Service", and to Optiml™ as we, us and our.

License

We own or license certain technology and materials including without limitation the computer software on which it runs (collectively, the "Product") which allow us to provide the Service. The Product are protected by Canadian and foreign intellectual property laws. As between you and us, we retain full and complete title to the Product and all updates and subsequent copies of them (including without limitation copies made in violation of the terms of this Agreement), regardless of the medium or form in which the copies may exist.

Your use of the Product and Service is conditional on your acceptance of these Terms of Use and our Privacy Statement found at www.optiml.ca. By accessing, downloading, installing, copying, activating or otherwise using the Product or Service, you agree on your own behalf to accept and abide by these Terms of Use for each use of the Product or Service. If you do not agree to abide by these Terms of Use, do not access, download, install or use the Product or Service, or any portion thereof, and delete all copies of the Product. You agree to have these Terms of Use and any related information made available to you, and to otherwise have communications between you and us occur, electronically.

Restrictions on Use

You will not:

• use, copy, reproduce or transfer the Product other than as set out in these Terms of Use or in our End User License Agreement or, without limiting the generality of the foregoing, adapt, translate or modify the Product in any way whatsoever, nor will you create derivative works based on the Product;
• remove or alter ownership and copyright notices embedded in or on the Product;
• use, make available, copy, or transfer the Product except as authorized and permitted by the laws and regulations of the jurisdiction in which you are using the Product, the United States and Canada;
• permit any third party to violate the terms and conditions of this Agreement;
• sublicense, rent, loan, or otherwise transfer (except as explicitly provided in this agreement) the Product to any third party.

You represent and warrant that in using the Service:

• you will not violate the rights of any third party;
• you will not impersonate any person;
• you will not upload viruses or engage in other activities that might cause damage to the site(s) maintained by us or otherwise disrupt our operations by disrupting our site servers or otherwise;
• you will not engage in or promote participation in any illegal activity; and
• you are at least the age of majority in your jurisdiction.

Disclaimer of Warranties

We make reasonable efforts to ensure that the Content is accurate at the time it is posted or generated; however, we make no representation or warranty regarding the Product, Service or Content, including without limitation any representation, warranty or condition regarding their accuracy, reliability, currency, or completeness. We make no representation or warranty that the Product, Service or Content is appropriate or available for use at any locations outside Canada.

Limitation of Liability

YOU AGREE THAT IN NO EVENT WILL WE OR OUR AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS OR OTHER REPRESENTATIVES (COLLECTIVELY, THE "REPRESENTATIVES") HAVE ANY RESPONSIBILITY OR LIABILITY IN CONNECTION WITH THE PRODUCT OR SERVICE FOR ANY LOSSES OR DAMAGES WHATSOEVER, WHETHER BASED ON CONTRACT (INCLUDING WITHOUT LIMITATION FUNDAMENTAL BREACH OR BREACH OF A FUNDAMENTAL TERM), TORT (INCLUDING WITHOUT LIMITATION NEGLIGENCE) OR OTHER LEGAL OR EQUITABLE BASIS.

Export Restrictions

THE PRODUCT AND/OR SERVICE MAY BE SUBJECT TO CANADIAN, U.S. OR INTERNATIONAL EXPORT, IMPORT AND /OR USE LAWS AND REGULATIONS. YOU MUST COMPLY WITH ALL APPLICABLE CANADIAN, U.S. OR INTERNATIONAL EXPORT, IMPORT AND/OR USE LAWS AND REGULATIONS.

Language

The parties have required that this agreement and all documents relating thereto be drawn up in English.

Les parties ont demandé que cette convention ainsi que tous les documents qui s'y attachent soient rédigés en langue anglaise.

Contacting Optiml™

Any questions or complaints with respect to the Product or Service should be directed to:

Optiml™ will respond to your inquiry in a timely and complete manner.