Terms Of Service

EFFECTIVE DATE: DECEMBER 26, 2022

LAST REVISED: OCTOBER 21, 2024

1. Terms of Service Agreement: The following Terms of Service ("Terms")

represent a legal agreement between you (either as an individual or on behalf

of an entity) and NetNow Financial Inc., also known as NetNow ("NetNow",

"we", "us", "our"). This agreement outlines the conditions under which you can

access and use the services provided on the NetNow website at

https://netnow.io ("Site"), as well as any other online or offline platforms

referencing these Terms, and their related content and features, including but

not limited to NetNow Financial INC ("NetNow Financial INC") – collectively

referred to as the "Service".

Before using the Service, please review these Terms thoroughly. By accessing

the Service or by selecting the accept or agree option when prompted, you

confirm your acceptance of these Terms and our Privacy Notice. If you

disagree with any part of these Terms, please refrain from using the Service

immediately.

Please note: The Service is intended for users who are at least eighteen (18)

years old. If you are below this age, you are prohibited from accessing or

using the Service.

2. Service Accessibility and Modifications: While we aim to provide

uninterrupted access to our Service, there may be times it's unavailable due to

maintenance, updates, or unforeseen interruptions. We also retain the

authority to update, alter, or restrict access to any component of the Service at

our sole discretion, potentially without prior notification. Should the Service be

unavailable for any duration or reason, we are not accountable for any

inconveniences caused.

3. Intellectual Property Provisions

(a) NetNow Content:

Our Service, encompassing its data, features, design, text, graphics, and

other elements (termed “NetNow Content”), is the exclusive property of

NetNow, its licensors, or content providers, safeguarded by U.S. and

international intellectual property laws. Do not commercially use, or make this

Service available to third parties. Unauthorized reproductions, alterations,

public displays, and distributions of the NetNow Content are prohibited. No

rights are conferred upon you beyond what is specified in these terms.

Unauthorized use may lead to service restrictions or termination. Some

NetNow Content may have additional terms, which you must adhere to.

(b) Your Content:

You can upload, post, and share content via some Service features (“Your

Content”). While you retain its ownership, NetNow needs specific permissions

to facilitate the Service. Thus, you grant NetNow a royalty-free, non-exclusive

right to use Your Content as detailed here.

You assure NetNow that:

Your Content is owned by you or you have adequate rights.

No third-party rights or confidentiality agreements are breached by Your

Content.

No laws are contravened when posting Your Content.

There are no claims, or potential claims, regarding Your Content.

NetNow can reject or remove Your Content that violates our terms. If deemed

necessary, we may restrict your access.

It's your responsibility to keep copies of Your Content. NetNow isn’t

responsible for any content losses or damages.

All Systems Data is NetNow’s exclusive property. We can legally use this

data, possibly in aggregate form, to enhance our services and products. Here,

"Systems Data" refers to aggregated, de-identified data related to Service

usage, including certain content aspects.

(d) Feedback:

Any feedback or ideas shared can be utilized by NetNow. Although you retain

ownership of such feedback, you grant NetNow a global, perpetual,

non-exclusive license to use and further develop this feedback.

4. Disclaimer. Please be aware that we provide the Service and all NetNow

content on an "as-is" basis, with no assurances or guarantees. The

responsibility for ensuring the service meets your expectations in terms of

quality, performance, accuracy, and effort lies entirely with you. We do not

promise or guarantee any particular outcomes, and we specifically reject any

and all representations or warranties, whether direct, indirect, or statutory.

This includes, but is not limited to, guarantees related to product quality,

suitability for a specific purpose, results, precision, completeness, and the

protection of your private information. Any obligations we might have –

including those of good faith, reasonable effort, or diligence – are hereby

disclaimed. If there is an obligation that cannot be waived, your only recourse

will be in cases where we act with deliberate misconduct. Moreover, we

cannot promise non-infringement or that your use of the Service will remain

uninterrupted. Any risks associated with the use of the Service or any NetNow

content are yours to bear.

5. Service Access and Account Safeguarding.

(a) Ensure that you: (i) arrange everything needed to access the Service, such

as your Internet connection; and (ii) inform anyone accessing the Service via

your connection about these Terms and ensure their adherence.

(b) Some Service pages can be viewed without being a registered user

(“User”). However, for full access, particularly to NetNow Financial INC

sections, User registration is mandatory. You must provide truthful, up-to-date,

and comprehensive information during registration and while using the

Service.

responsibility. Your account is individual to you; do not share access details

with others. If there's any unauthorized activity or security breach, inform us

immediately. Always log out after using your account. We may modify a User

name you choose if we find it unsuitable or offensive at our discretion.

(d) You authorize your wireless carrier to use or disclose information about

your account and your wireless device, if available, to NetNow or its service

provider for the duration of your business relationship, solely to help them

identify you or your wireless device and to prevent fraud. See our Privacy

Policy for how we treat your data.

6. Service Information and No Advisory.

NetNow does not guarantee the information's accuracy, timeliness, or

completeness on the Service. The Service is purely informative. It's not a call

to invest or conduct any transaction. The Service should not be perceived as

giving financial, legal, tax, or other professional advice. Always consult a

professional before making any decisions. NetNow will not be accountable for

decisions you make based on the Service's content.

7. Payment Terms.

(a) At NetNow's discretion, some services might be free or chargeable. If a fee

applies: (i) prices may change without prior notice; and (ii) the applicable fees

will be disclosed to you. If you disagree with the fee, cancel the transaction.

Unless specified, payments are in U.S. dollars. We might add sales tax to

purchases when necessary.

(b) Ensure you settle any charges or fees related to the Service using a valid

payment method. By making a purchase, you grant us permission to charge

your selected payment method. For subscriptions or recurring charges, we'll

bill your payment method automatically until you cancel. Refunds are not part

of our policy unless explicitly mentioned.

account details, including email, payment method, and card expiration date,

for seamless transactions and communication. If payments fail or there's an

overdue balance, we'll employ other means to collect outstanding amounts.

This might include using alternative payment methods or hiring collection

agencies and legal representation at our discretion.

(d) We retain the right to rectify pricing mistakes, even post-payment. We also

reserve the right to decline any payments related to the Service.

8. NetNow Financial INC Terms:

(a) Upon registering and obtaining Usage Rights for NetNow Financial INC,

we grant you a limited, revocable license to access and use our services for

personal, informational purposes. This license is subject to the specific Usage

Rights you've acquired.

(b) Always operate within your acquired Usage Rights. For instance, some

Usage Rights might limit the number of users or impose other restrictions. It's

your responsibility to be aware of these limitations. If you overstep these

bounds, NetNow may:

Charge you additional fees for unauthorized use.

Require payment within 30 days of the invoice.

Pursue other available remedies for unauthorized use.

Credit Seekers to submit applications to potential Credit Providers.

Credit Providers to review and decide on these applications.

Although NetNow offers a template credit application, Credit Providers should

note:

It's just a template and might not cater to specific needs.

Modifications can be made as per individual requirements.

NetNow isn't liable for the template's accuracy or any changes made by Credit

Providers.

Credit Seekers must:

Provide true, complete, and owned credit data.

Ensure data shared doesn't breach any third-party rights.

Credit Providers acknowledge that NetNow doesn't verify this data's

authenticity.

The platform's display is based on user input. NetNow isn't responsible for:

The accuracy of such inputs.

Decisions made based on these inputs.

Our platform is for informational purposes. NetNow:

Doesn't guarantee data accuracy or timeliness.

Doesn't offer financial advice.

Users should exercise personal discretion when making financial decisions

based on the platform's data.

Credit decisions lie solely with Credit Providers, not NetNow. Providers must

comply with all applicable Credit Laws.

Interactions and disputes between users, including Credit Seekers and

Providers, don't involve NetNow. We hold no liability for such disputes.

(d) We may provide a free trial (Demo Service) of NetNow Financial INC.

Users trying this service:

Will be billed after the trial or after surpassing certain features.

Acknowledge that NetNow isn't responsible for any issues arising from the

Demo Service's use. Any risks associated with the Demo Service are solely

the user's responsibility.

9. User Responsibilities.

You are permitted to utilize the Service only for lawful objectives, consistent

with the stipulations of these Terms of Service. Unless explicitly allowed by

these Terms of Service, you commit to refrain from:

(a) Unauthorized utilization of the Service, such as amassing user details or

creating accounts through deceitful or automated methods.

(b) Tampering with the Service's security measures or evading restrictions

placed on content and its use.

(d) Deceiving or attempting to extract sensitive details from NetNow or its

users.

(e) Misusing NetNow’s support channels or falsely reporting issues.

(f) Automated interactions with the Service, including but not limited to scripts,

bots, or data extraction tools.

(g) Extracting data from the Service for unauthorized compilations or

directories.

(h) Imposing undue stress on the Service or its related networks.

(i) Impersonating users or misusing another user’s identity.

(j) Trading or transferring your User account.

(k) Using gathered information to harm, harass, or intimidate others.

(l) Exploiting the Service for competitive or commercial profits.

(m) Altering, disassembling, or trying to decode the Service, its content, or

associated software.

(n) Disrespecting or intimidating our staff or representatives involved in the

Service's provision.

(o) Removing intellectual property notices from the Service or its content.

(p) Cloning or altering the Service’s underlying software or code.

(q) Introducing disruptive or malicious content, including spam or malware,

which affects the Service's usability.

(r) Implementing passive or active data collection tools, such as "spyware" or

web bugs.

(s) Using unauthorized systems, like offline readers or scrapers, which access

the Service.

(t) Defaming or negatively impacting NetNow or the Service.

(u) Contravening any applicable Laws, encompassing but not limited to,

anti-corruption, privacy, and data protection regulations.

(v) Violating third-party rights, including intellectual property or privacy rights,

through the Service or its content.

10. Interactions with Third-Party Websites, Materials, and Content.

(a) Our Service may direct you to external websites. NetNow offers these links

for your convenience. If you engage with any of these linked sites, you're not

transacting with NetNow. It's advised to consult the respective website's

"terms of use", contracts, or privacy notices before finalizing any transaction.

(b) NetNow might incorporate third-party services, applications, or software to

provide you with our Service. You commit to adhering to any applicable

third-party license agreements, terms of use, or service conditions. You must

not act in a manner that would lead to NetNow violating these third-party

terms. Additionally, understand that NetNow isn’t accountable for any issues

or liabilities related to the unavailability or malfunctions of such third-party

integrations.

materials (“Third Party Materials”). You recognize that NetNow isn't

accountable for the accuracy, completeness, legality, or any other features of

these Third Party Materials. NetNow won't bear any responsibility regarding

these Third Party Materials to you or any other party.

(d) It's essential to understand that any actions by NetNow such as: (i) linking

to an external website; (ii) integrating third-party applications, services, or

software; or (iii) featuring Third Party Materials, do not imply our endorsement

of the respective third party. Providers of these third-party services,

applications, or content might be beneficiaries of these Terms of Service,

preserving the right to enforce them as stipulated.

11.Oversight and Implementation.

(a) We hold the right, without being bound, to: (i) oversee the Service for any

breaches of these Terms of Service; (ii) initiate suitable legal measures

against any individual who, at our sole judgment, breaches any Laws or these

authorities; (iii) at our discretion and without any constraints, decline, limit

access, adjust the availability, or deactivate (if technically possible) any of

Your Content or a segment of it; (iv) at our discretion and without prior notice

or liability, remove or deactivate any files or content from the Service that are

deemed overly large or potentially taxing on our infrastructure; and (v)

supervise the Service in ways that uphold our rights, assets, and ensure its

smooth operation.

(b) NetNow can: (i) reveal your identity or other pertinent details to any third

party asserting that Your Content or other materials you’ve posted or

transmitted via the Service infringe on their rights, including intellectual

property, publicity rights, or privacy; or (ii) pursue legal measures, including,

but not limited to, alerting law enforcement, in case of any illicit or

unauthorized utilization of the Service. We retain the full authority to cooperate

extensively with law enforcement, third parties, or any court directive that asks

or directs us to unveil the identity or other details (including Your Content) of

any user posting or transmitting materials via the Service.

submissions before they are posted or shared via the Service. We cannot

promise the timely removal of undesirable content once posted or shared. As

a result, we are not accountable for any actions or lack thereof concerning the

content or communications, including any of Your Content, provided by users

or third parties. We disclaim any obligation or liability for undertaking or not

undertaking the activities mentioned in this Section.

12. Privacy Acknowledgment; Supplementary Provisions.

(a) By providing us with your personal information, either during registration or

any other interaction with the Service, you acknowledge that such information

will be managed as per our Privacy Notice. You hereby give consent for us to

handle your personal details in line with our Privacy Notice.

(b) Engaging with the Service implies adhering to any supplementary terms,

policies, rules, or guidelines pertinent to the Service or specific aspects or

content of the Service that we might post on or link to the Service (termed

“Additional Terms”). All such Additional Terms are integrated into and form

part of these Terms of Service.

13. Contact for Copyright Concerns.

We honor and uphold the intellectual property rights of others. If you suspect

that your copyrighted material has been improperly used within our Service,

you can reach out to our designated Copyright Representative with the

following details: (i) an electronic or physical signature from someone

empowered to represent the copyright holder; (ii) clear identification of the

copyrighted content believed to be infringed upon; (iii) details of the alleged

infringing material, along with information that allows us to locate it; (iv)

contact details including address, phone number, and if accessible, an email

for the complainant; (v) a statement asserting that the complainant genuinely

believes the contested use of the material isn’t permitted by the copyright

owner, their representative, or legal statutes; and (vi) an assertion that the

provided data in the claim is factual, and, subject to perjury penalties, that the

complainant is entitled to act for the copyright owner whose rights are

purportedly violated.

To address claims and concerns related to copyright violations (excluding

other types of notices), direct them to our Copyright Representative as

described below:

Via post:

Fasken

333 Bay St. #2400,

Toronto, ON M5H 2T6

Canada

14. Ending or Discontinuation.

As highlighted earlier, this Terms of Service represents a binding contract

between you and NetNow concerning your utilization of the Service. Either

party, be it you or us, can conclude this Terms of Service either with or without

reason or prior notification. Even after ending the agreement, you remain

responsible for payments or other duties accrued before the termination. If

you continue using the Service post-termination, it will be seen as your

renewed acceptance of these Terms of Service. If regulations mandate that

we notify about termination or discontinuation, we might either post it directly

on the Service or send a message to any contact information (email or

otherwise) we have of you in our database. Any rights of NetNow under these

outlast the termination will continue post-termination. Without fully ending your

privilege to use the Service according to these Terms of Service (and without

affecting NetNow’s right to conclude the Terms of Service), we reserve the

right to pause or restrict your access to the Service if we believe you may be

infringing or disobeying these Terms or could potentially cause harm to us or

others. Any violations of these Terms by NetNow will not be considered a

significant violation unless NetNow is provided a minimum of fifteen (15)

working days to rectify the violation.

15. Applicable Law.

We operate the Service from our locations within Canada and the United

States, primarily for Canadian and United States audiences. Should you

access the Service from areas outside Canada or the United States, you

undertake this on your own initiative and are accountable for adhering to local

regulations. Do not use or distribute any content from the Service in breach of

Canadian or United States' export rules and guidelines or these Terms of

Service. You concur that these Terms of Service and any claims of all types

(including but not limited to, contract, tort, and strict liability) concerning the

Service will be interpreted under and governed by Canadian laws, applicable

to agreements crafted and fully executed within Canada, disregarding any

conflict of law provisions. THE UNITED NATIONS CONVENTION ON

CONTRACTS FOR THE INTERNATIONAL SALE OF GOODS WILL NOT

GOVERN THESE TERMS OF SERVICE. All disputes will be adjudicated

solely in the courts of Ontario. By using our Service, you accept the

jurisdiction of these courts, relinquish any assertion or defense regarding

inconvenience of this venue, and agree to be served as per the stipulations of

Canadian legislation.

16.Information Accuracy.

The Service might display content with errors, inaccuracies, or missing details,

including but not limited to product descriptions, prices, and availability. We

retain the right to amend any discrepancies or incomplete information and

modify the content on the Service anytime, without prior warning.

17.Usage Restrictions; Representation.

You are permitted to use the Service exclusively for lawful, internal,

non-commercial purposes, in adherence to this Terms of Service, unless

stated otherwise. If you access the Service on behalf of an organization, you

confirm that you have the authority to agree to these Terms on its behalf.

Moreover, said entity commits to indemnify NetNow as detailed in Section 20.

18. Liability Disclaimer.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU CONCUR THAT

NEITHER NetNow NOR ITS CURRENT OR FUTURE PARTNERS,

VENDORS, OR REPRESENTATIVES SHALL BE ACCOUNTABLE TO YOU

OR ANY THIRD PARTY FOR EXEMPLARY, INCIDENTAL, INDIRECT, OR

RELATED DAMAGES, INCLUDING LOST PROFITS, BREACHES OF

PRIVACY, DATA LOSS, OR FAILURES OF DUTY, WHETHER THEY BE OF

GOOD FAITH, PROFESSIONAL EFFORT, OR ABSENCE OF NEGLIGENCE.

THIS STANDS EVEN IF NETNOW IS INFORMED OF POTENTIAL

DAMAGES AND REGARDLESS OF THE CAUSE, INCLUDING

NEGLIGENCE, STRICT LIABILITY, PRODUCT LIABILITY, OR DECEPTION.

19.Limitation of Liability.

SHOULD NetNow BE DEEMED LIABLE FOR ANY REASON, NetNow'S

TOTAL OBLIGATION TO YOU OR ANY THIRD PARTY WILL NOT EXCEED

THE LARGER OF: (i) THE AMOUNT YOU'VE PAID TO NetNow WITHIN

THE PAST TWELVE (12) MONTHS LEADING UP TO THE EVENT

CAUSING LIABILITY; OR (ii) $100 USD. ANY LEGAL CLAIM YOU WISH

TO BRING AGAINST NetNow MUST BE INITIATED WITHIN A YEAR OF

THE INCIDENT; IF NOT, SUCH CLAIM WILL BE CONSIDERED FOREVER

WAIVED. THE DISCLAIMERS AND LIABILITY RESTRICTIONS IN THESE

TERMS SHALL REMAIN IN EFFECT EVEN IF A SPECIFIED REMEDY

DOES NOT FULFILL ITS INTENDED FUNCTION.

20.Protection and Compensation.

You commit to protect, compensate, and absolve NetNow, its licensors,

related entities, successors, and the officers, directors, members, agents,

partners, staff, and representatives of each from any losses, damages,

charges, penalties, responsibilities, accusations, or demands (whether actual

or claimed), along with all resulting costs (inclusive of suitable legal fees),

stemming from or linked to: (1) Content you provide; (2) your utilization of the

Service; (3) any breach of these Service Terms on your part; (4) any

infringement of a third party's rights, specifically involving unauthorized use of

intellectual property; (5) third-party access and use of your account; (6)

conflicts involving you and other users, notably any disagreements between

those seeking and providing credits; or (7) any direct harm you cause to

another service user. Despite the above, we hold the right, on your dime, to

take on the sole responsibility and management of any issue that necessitates

your compensation towards us. You promise to assist in our defense against

such claims at your own cost. We shall strive to inform you promptly about any

claims or actions that demand your compensation under this Section 20 after

becoming aware of them.

21. Communication and Address for Legal Correspondence.

(a) We reserve the right to notify you through various lawful means, which

may include, but are not limited to, legal notifications and subpoena alerts.

These notices might be shared either through the Service, via email, or direct

mail to any contact details we possess for you. It is your responsibility to keep

your contact information current and regularly review any announcements on

the Service.

(b) For any notices you intend to send our way, please direct them to our

designated "Address for Legal Correspondence":

NetNow Financial INC

339 Queen Street East

Suite 302

Toronto, ON, M5A 1S9

Canada

22. Modifications.

At our discretion, we may modify and update these Terms of Service

periodically. Any changes become effective as soon as they are published and

will be applicable to all subsequent use of the Service. By continuing to use

the Service after these changes are posted, you signify your acceptance of

the updated terms. We recommend reviewing these Terms of Service

regularly for any adjustments..

23. Digital Communications and Agreements.

Interactions via the Service, email correspondences with us, or the completion

of online forms are recognized as electronic communications. By doing so,

you grant your consent to engage in these electronic interactions. Additionally,

you acknowledge that any contracts, notices, or other documents we share

with you through electronic means, be it via email or the Service, fulfill any

legal obligation for them to be written. YOU EXPRESSLY CONSENT TO

UTILIZING ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND

SIMILAR DOCUMENTS, AS WELL AS TO THE ELECTRONIC SENDING OF

NOTIFICATIONS, TERMS, AND DOCUMENTATION OF TRANSACTIONS

INITIATED OR FINALIZED BY US OR THROUGH THE SERVICE. You also

relinquish any legal right or mandate, regardless of jurisdiction, that

necessitates the use of handwritten signatures, the manual delivery or

preservation of paper records, or any non-digital transaction methods.

24. Comprehensive Agreement; Details.

The entirety of this Terms of Service, which encompasses: (i) additional

stipulations presented on the Service or shared by us for specific functions,

inclusive of the Supplementary Terms; and (ii) declarations made by us and

approvals given by you on the Service, serve as the full accord between both

parties. Neither party has based its agreement on unmentioned promises from

the other side. Our non-enforcement or non-exercise of any rights or

provisions within these Terms of Service does not constitute a waiver. These

Terms are enforced as far as legally allowed. We will not be held accountable

for any damages, delays, or inactions arising from circumstances beyond our

control. Should any segment or part of a segment of these Terms of Service

be ruled as invalid, illegal, or unenforceable, that particular segment will be

considered separate from these Terms, without impacting the legitimacy and

applicability of the remaining portions. These Terms do not form any kind of

partnership, joint venture, employment, or agency bond between the parties.

Any interpretation of these Terms should not be adverse to us because we

have composed them. You forgo any objections based on the digital nature of

these Terms or the absence of physical signatures. Apart from mentions in

Sections 10 and 20, no third parties benefit from these Terms. These Terms

are exclusively for you and cannot be assigned, transferred, or sublicensed

without prior authorization from NetNow, which it can decline without any

given reason. In legal undertakings related to these Terms, the successful

party reserves the right to recover its rational expenses and attorney charges.

25. No Group Litigations.

Both parties agree to forgo the right to initiate or join any class action suits.

YOU AND NETNOW CONCUR THAT CLAIMS CAN ONLY BE LODGED

AGAINST EACH OTHER ON AN INDIVIDUAL BASIS, RATHER THAN AS A

MEMBER OR PARTICIPANT IN ANY SUPPOSED CLASS OR COLLECTIVE

ACTION.

26. Renunciation of Jury Trial.

BOTH PARTIES RESOLUTELY RENOUNCE, TO THE MAXIMUM EXTENT

ALLOWED BY LAW, ANY ENTITLEMENT TO A JURY TRIAL FOR ANY

LEGAL DISPUTES, ISSUES, OR COUNTERCLAIMS STEMMING FROM OR

TIED TO THESE TERMS OF USE, OR THE CONTENT OF THESE TERMS

OF SERVICE.

27. Additional Details.

Should you wish to obtain NetNow's legal name and address via email or seek

other details from NetNow, kindly forward your written request to Our Address

for Legal Correspondence. For grievances, please reach out to us at the

location(s) detailed in Section 21.

28.Trademark Notification.

NetNow™ along with its related symbols or graphics are the exclusive

trademarks of NetNow Financial Inc. All other trademarks and symbols found

within the Service or amidst the NetNow Content belong to their legitimate

holders. All privileges are preserved.