These website terms and conditions of use for Scotland Debt Relief, constitute a legal agreement and are entered into by and between you and 0910385 B.C. Ltd., a corporation incorporated under the laws of British Columbia, Canada ("Company," "we," "us," "our"). The following terms and conditions (the "Terms of Use") together with our Privacy Policy and Cookies Policy, govern your access to and use, including any content, functionality, and services offered on or through Scotland Debt Relief. (the "Scotland Debt Relief Website").

"You/you" and "Your/you" refers to you, the person accessing the Scotland Debt Relief Website.

BY PROCEEDING TO BROWSE AND USE THE SCOTLAND DEBT RELIEF WEBSITE, YOU ACCEPT AND AGREE TO BE BOUND BY AND COMPLY WITH THESE TERMS OF USE. IF YOU DO NOT AGREE TO THESE TERMS OF USE, OR THE PRIVACY POLICY AND COOKIES POLICY, YOU MUST NOT ACCESS OR USE THE SCOTLAND DEBT RELIEF WEBSITE AND LEAVE IT IMMEDIATELY.

By using the Scotland Debt Relief Website, you represent and warrant that you are the legal age of majority under applicable law to form a binding contract with the Company and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Scotland Debt Relief Website.

These Terms of Use apply to your use of every part of the Scotland Debt Relief Website. Separate terms and conditions of use will apply to any other website accessible via a hyperlink or if you are automatically redirected from the Scotland Debt Relief Website.

Modifications to the Terms of Use

We reserve the right in our sole discretion to revise and update the Terms of Use from time to time. Any and all such modifications are effective immediately upon posting and apply to all access to and continued use of the Scotland Debt Relief Website. You agree to periodically review the Terms of Use in order to be aware of any such modifications and your continued use shall be your acceptance of these.

Your Use of the Scotland Debt Relief Website and Account Set-Up

Users are responsible for obtaining their own access to the Scotland Debt Relief Website and for the Scotland Debt Relief Website's availability and performance. Users are required to ensure that all persons who access the Scotland Debt Relief Website through a user's internet connection are aware of these Terms of Use and fully comply with them.

The Scotland Debt Relief Website including content or areas of the Scotland Debt Relief Website, may require user registration. It is a condition of your use of the Scotland Debt Relief Website that all of the information you provide on the Scotland Debt Relief Website is correct, current, and complete.

Your provision of registration information and any submissions you make to the Scotland Debt Relief Website through any functionality such as, forms, applications, e-mail, constitutes your consent to all actions we take with respect to such information consistent with our Privacy Policy.

Any user name, password, or any other piece of information provided to you as part of our security procedures, must be treated as confidential, and you must not disclose it to any other person or entity. You must exercise caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information. You understand and agree that should you be provided an account, your account is personal to you and you agree not to provide any other person with access to the Scotland Debt Relief Website or portions of it using your user name, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you logout from your account at the end of each session. You are responsible for any password misuse or any unauthorized access.

Permitted Users

We provide the Scotland Debt Relief Website for use only by persons located in the United Kingdom. The Scotland Debt Relief Website is not intended for use in any jurisdiction where its use is not permitted. The Scotland Debt Relief Website may not be used by individuals who are located outside the UK. If you access the site from outside of the United Kingdom, you are in breach of these Terms of Use.

To access and use the Scotland Debt Relief Website you must be at the age of majority in the UK and be capable of forming a binding contract under applicable law.

You may not use the Scotland Debt Relief Website if you do not accept and agree to these Terms of Use, if you have breached these Terms of Use, or if your permission to use the Scotland Debt Relief Website has been suspended or terminated by the owner.

No Advice/ No Reliance

The content on the Scotland Debt Relief Website is provided for general information and educational purposes only. It is not intended to amount to advice on which you should rely. You must obtain more specific or professional advice before taking, or refraining from, any action or inaction on the basis of the content on our site.

Although we make reasonable efforts to update the information on the Scotland Debt Relief Website, we make no representations, warranties or guarantees, whether express or implied, that the content on the Scotland Debt Relief Website is accurate, complete or up to date. Your use of the Scotland Debt Relief Website is at your own risk and the Company has no responsibility or liability whatsoever for your use of the Scotland Debt Relief Website.

For greater clarity, and without limitation, the Scotland Debt Relief Website does not provide professional advice or recommendations on financial, legal or tax related matters. It is your sole responsibility to obtain appropriate professional advice suitable to your particular circumstances from a qualified (and licensed, where necessary) professional.

Privacy Statement

We are committed to protecting your privacy. Any information collected from you by the Scotland Debt Relief Website is required in order to provide you with services and operate the Scotland Debt Relief Website. We regularly review our systems and data to ensure the best possible service(s) to you. Please see our Privacy Policy for further information.

Your Personal Data

Any information that you provide, or that is collected from you, may be transferred to third parties. Please review the Scotland Debt Relief Website's Privacy Policy, here, for further details about the manner in which your Personal Data is processed.

Restrictions/Changes/Termination

We reserve the right at any time and from time to time, to disable or terminate your account, any user name, password, or other identifier, whether chosen by you or provided by us, in our sole discretion for any or no reason, including any violation of any provision of these Terms of Use.

The Company may in its discretion change, suspend or terminate the Scotland Debt Relief Website, or limit, suspend or terminate your use of, or access to, the Scotland Debt Relief Website, with immediate effect, at any time, with or without cause or reason, and without any prior notice or liability to you or any other person.

The Scotland Debt Relief Website may be interrupted or unavailable from time to time, including for maintenance or due to causes beyond the control of the Company, all without notice or liability to you or any other person. The Company does not guarantee that the service from the Scotland Debt Relief Website will be uninterrupted, timely or error free.

If your permission to use or access the Scotland Debt Relief Website is terminated for any reason, then these Terms of Use will continue to apply and be binding regarding your access to and use of the Scotland Debt Relief Website before such termination with respect to all related matters (including any related dispute).

Links from the Scotland Debt Relief Website

While you are using the Scotland Debt Relief Website, you may see advertisements and links that are posted by third-parties. We do not monitor or review the content of websites that are advertised on the Scotland Debt Relief Website. Opinions, content, images or messaging appearing on such advertisements and links, or on the websites to which they connect, are not necessarily shared or endorsed by us and the Scotland Debt Relief Website is not, and should not be regarded as, the publisher of such opinions, content, images or messaging.

When you click on these links you will leave the Scotland Debt Relief Website and go to other websites. We do not take responsibility for the security or the availability of any website other than the Scotland Debt Relief Website and we are not liable for any losses or damages that you may incur as a result of using any website other than the Scotland Debt Relief Website. If you decide to access linked websites, you do so entirely at your own risk.

Please be aware that we are not responsible for the privacy practices of any website other than the Scotland Debt Relief Website. We encourage our users to be aware when they leave the Scotland Debt Relief Website and to read the privacy policies of all websites that they browse to from the Scotland Debt Relief Website.

You should evaluate the security and trustworthiness of any other website that is linked from the Scotland Debt Relief Website or accessed through the Scotland Debt Relief Website, before disclosing any personal information.

We will not accept any responsibility for any loss or damage in whatever manner, resulting from your disclosure of any information to any website that is not the Scotland Debt Relief Website. For further information, please refer to our Privacy Policy

Third Party Companies

After you complete the form on the Scotland Debt Relief Website, we may introduce you to third-party companies who, according to our estimation, may be able to help you. We are careful about the third-party companies that we work with, and when we introduce you to such a third-party company we do so in good faith and with the intention that such company will be able to provide you with the service that you wish to receive. However, we make no guarantees with respect to any third-party companies to which we introduce you, or with respect to the quality of the services they will provide. We assume no responsibility or liability for any losses or damages you incur as a result of the actions of any such third-party companies. Any services offered to you by such third-party companies shall be offered under the terms and conditions offered by such third-party companies, as agreed to by you, and you shall exclusively be responsible for any damage or loss you incur as a result of such services.

Viruses, Hacking and Other Offences

You are prohibited from attempting to circumvent and from violating the security of the Scotland Debt Relief Website including without limitation: (a) accessing content and data that is not intended for you; (b) attempting to breach or breaching the security and/or authentication measures which are not authorized; (c) restrict disrupt or disable service to users, hosts, servers or networks; (d) illicitly reproducing TCP/IP packet header; (e) disrupting network services and otherwise disrupting our ability to monitor the Scotland Debt Relief Website; (f) use any robot, spider, or other automatic device, process, or means to access the Scotland Debt Relief Website for any purpose, including monitoring or copying any of the material on the Scotland Debt Relief Website; (g) introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful; (h) attack the Scotland Debt Relief Website via a denial-of-service attack, distributed denial-of-service attack, flooding, mailbombing or crashing; and (i) otherwise attempt to interfere with the proper working of the Scotland Debt Relief Website. Any noncompliance with the foregoing may be deemed a criminal offence under applicable law, including, without limitation, under the Computer Misuse Act 1990 and the Police and Justice Act 2006.

We reserve the right to take appropriate legal action, including without limitation, informing law enforcement, regulatory authority or harmed party for any illegal or unauthorized use of the Scotland Debt Relief Website. Without limiting the foregoing, we have the right to fully cooperate with any law enforcement authorities, and, subject to applicable law, provide them with information we have about you, which is relevant for the law enforcement efforts. We will also terminate your ability to access the Scotland Debt Relief Website, if you are noncompliant with these Terms of Use.

To the fullest extent provided by law, we will not be liable for any losses or damages caused by, among other things, denial-of-service attack, distributed denial-of-service attack, overloading, flooding, mailbombing or crashing, viruses, trojan horses, worms, logic bombs, or other technologically harmful material that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of the Scotland Debt Relief Website or any services or items found or attained through the Scotland Debt Relief Website or to your downloading of any material posted on it, or on any website linked to it.

We cannot guarantee that the Scotland Debt Relief Website is free of viruses or technical defects of any kind and we will not be responsible for any technical problems arising from the use of the Scotland Debt Relief Website.

Intellectual Property

You understand and agree that the Scotland Debt Relief Website and its entire contents, features, and functionality, including but not limited to all information, software, code, text, displays, graphics, photographs, video, audio, design, presentation, selection, and arrangement, are owned by the Company, its licensors, or other providers of such material and are protected in all forms by intellectual property laws including without limitation, copyright, trademark, patent, trade secret, and any other proprietary rights.

The Company's name, registered trademarks, logo and all related names, logos, product and service names, designs, images and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the prior written permission of the Company. Other names, logos, product and service names, designs, images and slogans mentioned or which appear on the Scotland Debt Relief Website are the trademarks of their respective owners. Use of any such property, except as expressly authorized, shall constitute a violation of the rights of the property owner and may be a violation of applicable laws.

You must not use any material on the Scotland Debt Relief Website in any way that infringes the owner's rights. You may view, download and print individual pages or documents from the Scotland Debt Relief Website which you may then use, copy or reproduce for your own lawful, personal, non-commercial and not for profit purposes, provided you keep intact any copyright and other proprietary notices. However, under no circumstances are you permitted to download, copy, reproduce, modify, redistribute, republish, display, post, transmit or extract any part of the Scotland Debt Relief Website with a view to your own commercial benefit, profit or gain. In addition, you must not sell or distribute any of the material on the Scotland Debt Relief Website to third parties, whether for monetary payment or otherwise.

You are not permitted to modify copies of any materials from the Scotland Debt Relief Website nor delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from the Scotland Debt Relief Website. You must not access or use for any commercial purposes any part of the Scotland Debt Relief Website or any services or materials available through the Scotland Debt Relief Website.

If you print off, copy or download any part of our site in breach of these Terms of Use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.

Disclaimer of Warranties

YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE SCOTLAND DEBT RELIEF WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS FOUND OR ACCESSED THROUGH THE SCOTLAND DEBT RELIEF WEBSITE IS AT YOUR OWN RISK. THE SCOTLAND DEBT RELIEF WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS FOUND OR ACCESSED THROUGH THE SCOTLAND DEBT RELIEF WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

NEITHER THE COMPANY NOR ANY AFFILIATES NOR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS OR SERVICE PROVIDERS MAKES ANY WARRANTY, REPRESENTATION OR ENDORSEMENT WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, SUITABILITY, ACCURACY, CURRENCY OR AVAILABILITY OF THE SCOTLAND DEBT RELIEF WEBSITE OR ITS CONTENTS. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANY AFFILIATES NOR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS OR SERVICE PROVIDERS REPRESENTS OR WARRANTS THAT THE SCOTLAND DEBT RELIEF WEBSITE, ITS CONTENT, OR ANY SERVICES OR ITEMS FOUND OR ATTAINED THROUGH THE SCOTLAND DEBT RELIEF WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Limitation on Liability

UNDER NO CIRCUMSTANCE WILL THE COMPANY, ITS AFFILIATES AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR SERVICE PROVIDERS BE LIABLE FOR NEGLIGENCE, GROSS NEGLIGENCE, NEGLIGENT MISREPRESENTATION, FUNDAMENTAL BREACH, DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, BREACH OF PRIVACY OR OTHERWISE, EVEN IF THE PARTY WAS ALLEGEDLY ADVISED OR HAD REASON TO KNOW, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, RELIANCE ON, THE SCOTLAND DEBT RELIEF WEBSITE, ANY LINKED WEBSITES OR SUCH OTHER THIRD PARTY WEBSITES, NOR ANY SITE CONTENT, MATERIALS, POSTING OR INFORMATION THEREON.

Indemnification

To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless the Company, its affiliates, and their respective directors, officers, employees, agents, service providers, contractors, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your breach of these Terms of Use, or your use of the Scotland Debt Relief Website, including, but not limited to, third party websites, or any use of the Scotland Debt Relief Website's content and services.

Governing Law and Jurisdiction

These Terms of Use will be governed by and construed in accordance with the laws of the Province of British Columbia, and the federal laws of Canada applicable therein, without giving effect to any choice or conflict of law provision, principle or rule (whether of the laws of the United Kingdom or any other jurisdiction) and notwithstanding your domicile, residence or physical location.

Any action or proceeding arising out of or relating to the Scotland Debt Relief Website and under these Terms of Use will be instituted in the courts of the Province of British Columbia and/or the Federal Court of Canada, and each party irrevocably submits to the exclusive jurisdiction of such courts in any such action or proceeding. You waive any and all objections to the exercise of jurisdiction over you by such courts and to the venue of such courts.

Waiver

No waiver under these Terms of Use is effective unless it is in writing and signed by an authorized representative of the party waiving its right. No failure to exercise, or delay in exercising, any right, remedy, power or privilege arising from these Terms of Use operates, or may be construed, as a waiver thereof. No single or partial exercise of any right, remedy, power or privilege hereunder precludes any other or further exercise thereof or the exercise of any other right, remedy, power or privilege.

Severability

The Scotland Debt Relief Website is operated by 0910385 B.C. Ltd., 4720 Kingsway, Suite 2600, Burnaby, BC, Canada, V5H4N2.

If you have any questions about the Scotland Debt Relief Website or this Privacy Policy, please contact us by email at [email protected].

You can also send a letter to our mailing address, listed above.

In addition, you can contact our EU representative, DPR Group, BPM 335368, at 372 Old Street, EC1V 9AU, London, United Kingdom, [email protected].

In addition, you can contact our Data Protection Officer, Allan Shpeley, at 4720 Kingsway, Suite 2600, Burnaby, British Columbia, V5H 4N2, Canada, [email protected].

Complaints

We pride ourselves on providing a high quality website and we want to ensure that we maintain this at all times. If you are not satisfied with any part of the Scotland Debt Relief Website you can email us at [email protected].

Last Updated: May 21, 2018