TRANS UNION OF CANADA, INC. TERMS OF USE NOTICE

(Last updated November 2017)

Welcome to the TransUnion site ("Site") a web site operated by Trans Union of Canada, Inc. ("TransUnion"). The Site provides data and other information on consumer credit reports ("Content") and other services such as consumer disclosures, online fraud services and online consumer dispute services ("Services").

The Site, the Content and the Services are provided to you subject to your agreement to be bound by these terms and conditions of use ("Terms of Use"). BY ACCESSING OR USING THE SITE OR THE SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE WITH ONE OR MORE OF THESE TERMS AND CONDITIONS, DO NOT ACCESS OR USE THE SITE OR THE SERVICES.

Use of the Site

TransUnion grants you a limited, non-exclusive, personal, non-transferable license to access and use this Site for personal, non-commercial purposes. TransUnion reserves all right, title and interest not expressly granted under these Terms of Use to the fullest extent permitted under applicable laws.

Except as expressly provided in these Terms of Use, any reproduction, copy, retransmission, distribution, sale, republication, modification, translation of or creation of derivative works based on the Site, the Content and/or the Services, in whole or in part, is strictly prohibited. You acquire absolutely no rights or licenses to the Site, the Content or the Services other than the limited right to use the Site, the Content and the Services in accordance with these Terms of Use.

In connection with the Site, you must not without TransUnion’s prior written consent: (i) reverse engineer, decompile or disassemble any portion of the Site, except where such restriction is expressly prohibited by applicable law; (ii) remove any copyright, trademark or other proprietary rights notice from the Site; (iii) frame the Site, the Content or the Services or any part thereof on any commercial or non-commercial internet website; (iv) systematically download and store the Site, the Content or the Services; or (v) use any robot, spider, site search/retrieval application or other manual or automatic device to retrieve, index, “scrape,” “data mine” or otherwise gather the Site, the Content or the Services, or reproduce or circumvent the navigational structure or presentation of the Site.

TransUnion may terminate or suspend your use of the Site, the Content or the Services immediately at any time and without prior notice, for any or no reason, including if it believes that you have violated or acted inconsistently with the provisions of these Terms of Use.

Specific terms and conditions may apply to specific Content and Services available through the Site and such specific terms are in addition to these Terms of Use and may, to the extent expressly specified therein, supersede these Terms of Use.

New Services and Modifications and Updates

Whenever new products or services are introduced on the Site as part of the Services, your use of such Services will be subject to these Terms of Use unless TransUnion notifies you otherwise. TransUnion reserves the right, in its sole discretion, to modify or update these Terms of Use at any time and from time to time. TransUnion will notify you of any changes to these Terms of Use by notice on this Site. Your continued use of this Site after following notice of such change means that you agree to and accept these Terms of Use as amended. If you do not agree to any modifications of these Terms of Use, you must immediately stop using this Site.

Privacy

By accessing and using this Site, including the Content or Services, you are consenting to the collection, use and disclosure of your personal information in accordance with the TransUnion Canada Privacy Policy.

Disclaimer of Warranties and Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES OFFERED ON THIS SITE ARE PROVIDED "AS IS", WITH NO REPRESENTATIONS, WARRANTIES OR CONDITIONS OF ANY KIND.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, TRANSUNION AND/OR ITS SUPPLIERS DISCLAIM ALL WARRANTIES, REPRESENTATIONS AND CONDITIONS OF ANY KIND WITH RESPECT TO THE SITE, THE CONTENT AND THE SERVICES WHETHER EXPRESS, LEGAL, IMPLIED OR STATUTORY, ARISING FROM COURSE OF DEALING, USAGE OR TRADE, INCLUDING, BUT NOT LIMITED TO, WARRANTIES AND CONDITIONS OF MERCHANTABILITY, QUALITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT. USE OF THIS SITE, THE CONTENT AND THE SERVICES IS AT YOUR OWN RISK. NEITHER TRANSUNION NOR ITS SUPPLIERS MAKE ANY REPRESENTATIONS, WARRANTIES OR CONDITIONS ABOUT THE QUALITY, ACCURACY, RELIABILITY, COMPLETENESS, CURRENCY, OR TIMELINESS OF THE SITE, THE CONTENT OR THE SERVICES. TRANSUNION AND/OR ITS SUPPLIERS DO NOT ASSUME ANY RESPONSIBILITY FOR ANY ERRORS, OMISSIONS OR INACCURACIES IN THE SITE, THE CONTENT OR THE SERVICES. TO THE MAXIMUM EXTENT SUCH LIMITATION IS PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL TRANSUNION AND/OR ITS SUPPLIERS BE LIABLE, WHETHER BASED ON WARRANTY, CONTRACT, TORT, NEGLIGENCE, CIVIL LIABILITY, STRICT LIABILITY OR ANY OTHER LEGAL THEORY, FOR ANY DAMAGES OF ANY KIND (INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE DAMAGES, LOST PROFITS, LOSS OF USE, LOSS OF DATA, PERSONAL INJURY, FINES, FEES, PENALTIES OR OTHER LIABILITIES), WHETHER OR NOT TRANSUNION OR ITS SUPPLIERS ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM THE USE OF, OR THE INABILITY TO MAKE USE OF, THE SITE, THE CONTENT OR THE SERVICES.

THE CONTENT IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND IS NOT INTENDED TO PROVIDE FINANCIAL ADVICE TO YOU AND YOU SHOULD NOT RELY UPON THE CONTENT TO PROVIDE ANY SUCH ADVICE. YOU SHOULD SEEK THE ADVICE OF PROFESSIONALS REGARDING THE EVALUATION AND VERIFICATION OF ANY CONTENT PROVIDED ON THE SITE AND, IN ANY EVENT, PRIOR TO MAKING ANY FINANCIAL DECISIONS BASED ON SUCH CONTENT.

Trade-marks and Copyright

Certain names, words, titles, phrases, logos, designs, graphics, icons and marks displayed on the Site, in the Content or with the Services may constitute trade-marks or trade names of TransUnion or its licensors. Title to the Site, the Content and the Services and the trade-marks or trade names displayed on the Site remains with TransUnion and/or its licensors. Nothing contained in these Terms of Use or on the Site shall be construed as conferring by implication, estoppel or otherwise any license or right to use any trade-marks, trade-names, copyright or other intellectual property rights of TransUnion or its licensors. Any unauthorized use of the Site, the Content or the Services or the trade-marks, trade names, copyright or other intellectual property rights of TransUnion or its licensors is strictly prohibited, and TransUnion reserves the right to take such steps as it deems necessary, including legal action, to enforce such rights.

Conformance with Law

You agree to use the Site, the Content and the Services for lawful purposes only and in a manner consistent with all applicable local, national or international laws, rules and regulations. The Site is intended for users located in Canada. Potential users in any other jurisdiction where laws (whether common or statutory) would: (i) void these Terms of Use in whole or in any essential part (the essential parts being at least, but not only, the provisions relating to the governing law and the disclaimer and limitation of liability); or (ii) render accessing the Site or the Content, or using the Services, illegal, are not authorized to use the Site, the Content or the Services.

Policy on Links to Third Party Web Sites

The Site may contain links to third party web sites. TransUnion does not represent, guarantee, or endorse any web site that you may access from this Site. In addition, if TransUnion provides a link to a web site, TransUnion does not represent, guarantee, or endorse the company or any of its offerings. Links contained on this Site are provided solely as a convenience to you. When you access a non-TransUnion web site, please understand that the linked site and its content and the third party’s practices and policies in relation to the collection, use and disclosure of personal information are not under TransUnion’s control. TransUnion is not responsible for web casting or any other form of transmission received from any linked sites. You are responsible for protecting your system from viruses and other invasive items.

User Information

Subject to the Privacy Policy, should you provide electronically or through your access to or usage of the Site or the Services, any information or materials including feedback data, such as questions, comments, suggestions or the like regarding any information contained on the Site, such information and/or materials provided by you shall be deemed to be non-confidential and TransUnion shall have no obligation of any kind with respect to such information and/or materials and shall be free to reproduce, use, disclose and distribute such information and/or materials to others without limitation. You hereby grant to TransUnion a transferable world-wide perpetual, irrevocable, royalty-free, non-exclusive license, including the right to sublicense to others, to use, reproduce, distribute, publish, modify, edit, translate, transmit, adapt and display any information and/or materials provided by you (in whole or in part) and/or incorporate such information and/or materials in any form, media or technology now known or developed in the future.

International Use

Because you can access this Site internationally, you agree to follow all local rules about the Internet, data, e-mail, and privacy. Specifically, you agree to follow all laws that apply to transmitting technical data exported from the United States, Canada or the country of your residence.

Applicable Law

The materials in this Site are designed for use by residents of Canada. TransUnion controls and operates this Site through its corporate headquarters within the Province of Ontario. To the extent permitted by applicable law, these Terms of Use shall be governed, interpreted, and enforced according to the laws of the Province of Ontario, Canada, regardless of conflict of laws rules, and the federal laws of Canada applicable therein. To the extent permitted by law, you agree to the non-exclusive jurisdiction of the courts in Ontario, Canada for any disputes, claim or cause of action arising out of, or relating to or in connection with these Terms of Use or your use of the Site, the Content or the Services.

Indemnification

To the extent permitted by applicable law, you agree that your use of the Site, the Content or the Services shall not be made the basis for any claim, suit, demand or cause of action or other proceeding against TransUnion and/or its licensors. You agree, at your own expense, to indemnify and hold TransUnion and its directors, officers, employees, representatives, agents and licensors harmless against any claim, suit, demand, action or other proceeding brought against TransUnion, its directors, officers, employees, representatives, agents and licensors by a third party as a result of your breach of these Terms of Use.

Severability

If any provision of this Agreement is held by a court of competent jurisdiction in any jurisdiction to be illegal, invalid or unenforceable, such provision shall be deemed to be severable and the remaining provisions shall remain in force and effect.

No Waiver

No waiver of any of these Terms of Use shall be deemed a further or continuing waiver of such term or condition or any other term or condition. Any waiver by TransUnion may only be granted in writing and signed by an authorized representative of TransUnion.

Language

The parties have expressly requested that these Terms of Use be drawn up in English. Les parties ont expressément requis que les présentes modalités d’utilisation soient rédigées en langue anglaise.

Electronic Communications

By accessing this Site or sending electronic mail to TransUnion you are communicating with TransUnion electronically. By doing so, you agree to receive communications from TransUnion electronically. TransUnion will communicate with you by electronic mail at the electronic mail address provided by you or by posting notices on this Site or any other website that that may be generally designated in advance for such purpose.

Technical Specifications

This Site only supports the following internet browsers: Chrome (latest version), IE Explorer 11, Firefox (latest version) and Safari. TransUnion uses cookies to time your session. Cookies are small files which are stored on a user's computer. They are designed to hold a modest amount of data specific to a particular client and website, and can be accessed either by the web server or the client computer.

Copyright Notice

Copyright ©2017 Trans Union of Canada Inc. All Rights Reserved. Except as otherwise stated, TransUnion or its related companies own all content contained in this Site. Site Content includes the information, text, graphics, web site design, and its selection, assembly, and arrangement (collectively "Site Content"). The Site Content is protected by copyright laws of the United States, Canada and other countries. The Site Content may not be used for any commercial purpose or copied, distributed, displayed, modified, or reverse engineered without TransUnion's prior written permission. You may print or download portions of material from the Site solely for your own non-commercial use, if you do not change or delete any copyright or proprietary notices from the materials.

Last Revised November, 2017.