Terms of Use | RetireMint

Agreement Between You and RetireMint

Welcome to www.retiremint.ca (the “Website”). The Website is provided solely to provide information about RetireMint’s retirement planning products and services for pension providers, employers, financial advisors, and the people they serve; to allow you to contact us, request a demo, or subscribe to our communications; to provide general retirement-related educational content; and to provide existing users with access to the RetireMint direct-to-consumer retirement planning platform (the “Legacy Platform”), and for no other purposes. The terms “we”, “us”, “our”, “RetireMint” and “10,000 Days Inc.” refer to 10,000 Days Inc., an Ontario corporation. The term “you” refers to the individual visiting or using the Website or the Legacy Platform and, where you use the Website on behalf of an organization, that organization.

This Website is offered to you conditioned upon your acceptance without modification of all the terms, conditions, and notices set forth below (collectively, the “Terms of Use” or “Agreement”). Please read the Terms of Use carefully. By accessing or using this Website or the Legacy Platform, or contacting our team, you agree that the Terms of Use then in force shall apply. If you do not agree to the Terms of Use, please do not use this Website or the Legacy Platform. RetireMint may at any time change these Terms of Use by posting the updated Terms of Use on the Website, and your continued use of this Website after the updated Terms of Use are posted is conditioned upon acceptance of the updated Terms of Use. Where required by law, we will provide you with notice of material changes.

Licensed Platform and Separate Agreements

RetireMint licenses its retirement planning platform to pension providers, employers, financial advisors, and other organizations (each, a “Client”). Access to and use of the RetireMint platform provided through a Client is governed by the written agreement between RetireMint and that Client and by any terms of use and privacy notice presented to you within that platform, and not by these Terms of Use. Nothing on this Website constitutes an offer to license or sell any product or service, and any such license or sale will only be made under a separate written agreement signed by RetireMint. If there is any conflict between these Terms of Use and a separate written agreement with RetireMint, the separate written agreement will govern.

Use of the Website

As a condition of your use of this Website, you warrant that (i) you have reached the age of majority in your province, territory, or jurisdiction of residence; (ii) you possess the legal authority to create a binding legal obligation and, if you are using the Website on behalf of an organization, you have the authority to bind that organization to these Terms of Use; (iii) you will use this Website in accordance with the Terms of Use and all applicable laws; (iv) if you use the Legacy Platform, you will only use it to make legitimate reservations for you or for another person for whom you are legally authorized to act, and you will inform such other persons about the Terms of Use that apply to the reservations you have made on their behalf, including all rules and restrictions applicable thereto; (v) all information supplied by you on this Website is true, accurate, current and complete; and (vi) if you have a RetireMint.ca account, you will safeguard your account information and will supervise and be completely responsible for any use of your account by you and anyone other than you. We retain the right at our sole discretion to deny access to anyone to this Website and the services we offer, at any time and for any reason, including, but not limited to, for violation of these Terms of Use.

Prohibited Activities

The content and information on this Website (including, but not limited to, text, graphics, product information, pricing, and the availability of retirement services), as well as the infrastructure used to provide such content and information, is proprietary to us or our licensors, Coaches, and other suppliers and/or providers. While you may view the Website and make limited copies of content for your personal or internal business evaluation purposes, and Legacy Platform users may make limited copies of their own retirement plan (and related documents), you agree not to otherwise modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell or re-sell any information, software, products, or services obtained from or through this Website. Additionally, you agree not to:

i. use this Website or its contents for any commercial purpose other than evaluating or procuring RetireMint’s products and services;

ii. make any speculative, false, or fraudulent reservation, inquiry, or demo request, or any reservation in anticipation of demand;

iii. make any untrue, false or misleading reviews, ratings or statements regarding RetireMint or listed suppliers and providers, or impersonate any person or misrepresent your affiliation with any person or organization;

iv. access, monitor or copy any content or information of this Website using any robot, spider, scraper or other automated means or any manual process for any purpose without our express written permission, including to collect data for, train, or develop any machine learning or artificial intelligence model;

v. violate the restrictions in any robot exclusion headers on this Website or bypass or circumvent other measures employed to prevent or limit access to this Website;

vi. take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure, or introduce any virus, malware, or other harmful code;

vii. decompile, reverse engineer, or attempt to derive the source code or underlying methodology of any software or tool on this Website or the Legacy Platform, or use the Website to build a competing product or service;

viii. deep-link to any portion of this Website (including, without limitation, the purchase path for any retirement services) for any purpose without our express written permission;

ix. “frame”, “mirror” or otherwise incorporate any part of this Website into any other website without our prior written authorization.

If your Legacy Platform booking or account shows signs of fraud, abuse or suspicious activity, RetireMint may cancel any retirement product or service reservations associated with your name, email address or account, and close any associated RetireMint accounts. If you have conducted any fraudulent activity, RetireMint reserves the right to take any necessary legal action and you may be liable for monetary losses to RetireMint, including litigation costs and damages. To contest the cancellation of a booking or freezing or closure of an account, please contact RetireMint Customer Service at info@retiremint.ca.

Supplier Rules and Restrictions

This section applies only to existing users of the Legacy Platform. Where booking features remain available on the Legacy Platform, additional terms and conditions will apply to your reservation and purchase of retirement-related goods and services that you select. Please read these additional terms and conditions carefully. You agree to abide by the terms and conditions of purchase imposed by any supplier with whom you elect to deal, including, but not limited to, payment of all amounts when due and compliance with the supplier’s rules and restrictions regarding availability and use of fares, products, or services.

In case of a no-show or cancellation from a retirement service provider booked through the Legacy Platform, you may be entitled to a refund or voucher worth the equivalent amount of your booking. Where you are eligible for a refund, you can request such a refund from RetireMint customer service, who will submit your request to the supplier on your behalf.

Any transactions completed through the Legacy Platform are conducted in Canadian dollars (CAD). We are not associated with any additional fees and will not be held liable for any fees relating to varying exchange rates and card issuer fees. Applicable taxes may apply in your province or territory of booking.

We reserve the right to cancel your booking if full payment is not received in a timely fashion. Some retirement suppliers may require you to present a credit card or cash deposit upon check-in to cover additional expenses during your service booking. Such deposit is unrelated to any payment received by RetireMint for your booking with the supplier.

RetireMint is not liable for any costs incurred due to relocation.

You acknowledge that some third-party providers offering certain services and/or activities may require you to sign their liability waiver prior to participating in the service and/or activity they offer. You understand that any violation of any such supplier’s rules and restrictions may result in cancellation of your reservation(s), in your being denied access to the applicable retirement products or services, in your forfeiting any monies paid for such reservation(s), and/or in our debiting your account for any costs we incur as a result of such violation.

Privacy Policy

RetireMint believes in protecting your privacy. Please review our current Privacy Statement and Cookie Statement, which also governs your use of the Website and the Legacy Platform, to understand our practices: Privacy Policy.

Find a Coach Search and Filters

This section applies only to existing users of the Legacy Platform. As retirees and life planners using the Legacy Platform, you have many options to help you find the perfect retirement service, product or planning partner. The filters and “sort” settings allow you to order search results to your preferences, whether based on price, verified review score, or other criteria. The filter settings also allow you to include or exclude various options to suit your needs. Default search results, or if no filters are selected, will appear based on the nearest service provider or product supplier to the location that the user entered to begin their search. This ensures the most fair search result display for our Coaches and service providers.

Additionally, as we continually optimize our service to provide you with the best experience, we reserve the right to test different default sort order algorithms from time to time.

Prepaid Bookings and Cancellations

This section applies only to existing users of the Legacy Platform, where booking features remain available. You acknowledge that RetireMint negotiates prices with suppliers to facilitate the booking of reservations, yet we are not responsible for any price or fee changes that may arise when booking externally through Coach websites or any third-party booking. You also acknowledge that RetireMint provides you services to facilitate such booking of reservations, and reserves the right to charge a fee (the “facilitation fee”), which will be disclosed to you before you complete your booking. The price or rate displayed on the Legacy Platform is a combination of the pre-negotiated prices reserved on your behalf by RetireMint and any applicable facilitation fee. You agree that your credit card will be charged by RetireMint for the total reservation price. Upon submitting your reservation request you authorize RetireMint to facilitate service or product reservations on your behalf, including making payment arrangements with service suppliers.

You acknowledge that except as provided below with respect to tax obligations on the amounts we retain for our services, RetireMint does not collect taxes for remittance to applicable taxing authorities. Taxability and the appropriate tax rate vary greatly by location. Service fees retained by RetireMint for their services vary based on the amount and type of reservation. For customers whose usual place of residence is in Quebec, we collect Quebec Sales Tax (“QST”) on the amounts that we retain for our services.

You may cancel or change your prepaid service reservation, but you will be charged the cancellation or change fee indicated in the rules and restrictions for the reservation. If you do not cancel or change your reservation before the cancellation policy period applicable to the service you reserved, which varies by service provider (usually 24 to 72 hours) prior to your date of arrival, you will be subject to a charge equal to applicable rate, tax recovery charges and service fees. You agree to pay any cancellation or change fees that you incur. In limited cases, some service providers do not permit changes to or cancellations of reservations after they are made, as indicated in the rules and restrictions for the reservation. You agree to abide by the Terms of Use imposed with respect to your prepaid reservations.

Jurisdictions and No Professional Advice

Retirement and life planning services and products, particularly regarding financial, estate and tax planning, may vary depending on your country, province or territory of primary residence. You understand that you are ultimately responsible for the legal requirements of the finances, estate planning and tax obligations that apply to you.

THE CONTENT ON THIS WEBSITE AND THE LEGACY PLATFORM, INCLUDING ANY ARTICLES, RESOURCES, CASE STUDIES, RETIREMENT PLANS, AND ASSESSMENT RESULTS, AND ANY FIGURES, EXAMPLES, ILLUSTRATIONS, OR ESTIMATES THAT MAY APPEAR IN THEM, IS PROVIDED FOR GENERAL INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. IT DOES NOT CONSTITUTE FINANCIAL, INVESTMENT, TAX, ACCOUNTING, LEGAL, ESTATE PLANNING, INSURANCE, PENSION, OR ACTUARIAL ADVICE, OR MEDICAL, HEALTH, MENTAL HEALTH, WELLNESS, NUTRITION, FITNESS, OR OTHER HEALTHCARE ADVICE, OR A RECOMMENDATION TO BUY OR SELL ANY SECURITY, FINANCIAL PRODUCT, OR INSURANCE PRODUCT. ANY FIGURES OR ESTIMATES ARE BASED ON ASSUMPTIONS THAT MAY NOT REFLECT YOUR CIRCUMSTANCES AND ARE NOT A GUARANTEE OR PREDICTION OF FUTURE RESULTS. RETIREMINT IS NOT A REGISTERED DEALER, ADVISER, PORTFOLIO MANAGER, INSURANCE AGENT, OR REGULATED HEALTH PROFESSIONAL, AND YOUR USE OF THE WEBSITE OR THE LEGACY PLATFORM DOES NOT CREATE AN ADVISOR-CLIENT, PRACTITIONER-PATIENT, OR OTHER PROFESSIONAL RELATIONSHIP. YOU SHOULD CONSULT A QUALIFIED PROFESSIONAL BEFORE MAKING ANY FINANCIAL, LEGAL, TAX, INSURANCE, HEALTH, OR WELLNESS DECISION.

Wellness, fitness, lifestyle, and health-related content is not intended to diagnose, treat, cure, or prevent any disease or health condition. Consult your physician or another regulated health professional before beginning any exercise, nutrition, or wellness program or activity. Never disregard or delay seeking professional medical advice because of something you read on the Website or the Legacy Platform. If you think you may have a medical emergency, call 911 or your local emergency number immediately.

Retirement service providers available through the Legacy Platform, including financial, legal, insurance, health, wellness, and fitness professionals, are independent of RetireMint. RetireMint does not provide, supervise, verify, or endorse any advice or services they provide, and you are responsible for evaluating any provider’s qualifications, licensing, and suitability for your needs.

Product Information and Forward-Looking Statements

Descriptions of RetireMint’s products, features, integrations, and performance on this Website, including any statistics, client results, testimonials, and statements about planned or future functionality, are provided for general information only, may change without notice, and are not a commitment to deliver any feature or result. Testimonials and case studies reflect the experiences of particular clients or users and may not be representative of the experience of others. The specific features, service levels, and terms available to a Client are only those set out in that Client’s written agreement with RetireMint.

Liability Disclaimer

The Information, Software, Products and Services published on this Website may include inaccuracies or errors, including pricing errors. In particular, RetireMint does not guarantee the accuracy of, and disclaims all liability for any errors or other inaccuracies relating to the information and description of the retirement planning, finance, estate, and other retirement products and services displayed on this Website (including, without limitation, the pricing, photographs, list of services, general product descriptions, etc.). In addition, RetireMint expressly reserves the right to correct any pricing errors on our Website and/or pending Legacy Platform reservations made under an incorrect price. In such an event, if available, we will offer you the opportunity to keep your pending reservation at the correct price or we will cancel your reservation without penalty.

Service provider and product supplier ratings displayed on this Website or the Legacy Platform are intended as only general guidelines, and RetireMint does not guarantee the accuracy of the ratings. RetireMint and our respective suppliers make no guarantees about the availability of specific products and services. RetireMint and our respective suppliers may make improvements and/or changes on the Website at any time, and may suspend or discontinue the Website, the Legacy Platform, or any part of them at any time.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, RetireMint and our respective suppliers make no representations about the suitability of the information, software, products and services contained on this Website for any purpose, and the inclusion or offering of any products or services on this Website does not constitute any endorsement or recommendation of such products or services by RetireMint. All such information, software, products, and services are provided “as is” and “as available” without warranty of any kind. RetireMint and our respective suppliers disclaim all warranties and conditions that this Website, its servers or any email sent from RetireMint and/or our respective suppliers are free of viruses or other harmful components, or that the Website will be uninterrupted or error-free. RetireMint and our respective suppliers hereby disclaim all warranties and conditions with regard to this information, software, products and services, including all implied warranties and conditions of merchantability, merchantable quality, fitness for a particular purpose, title and non-infringement.

The retirement service providers and other suppliers providing retirement planning or other services through the Website or the Legacy Platform are independent contractors and not agents or employees of RetireMint. RetireMint and 10,000 Days Inc. are not liable for the acts, errors, omissions, representations, warranties, breaches or negligence of any such suppliers or for any personal injuries, death, property damage, or other damages or expenses resulting therefrom. You voluntarily assume all risks associated with participating in any activity, fitness, wellness, or other program or service offered by such suppliers. RetireMint has no liability and will make no refund in the event of any delay, cancellation, overbooking, strike, force majeure or other causes beyond its direct control, and has no responsibility for any additional expenses, omissions, delays, re-routing or acts of any government or authority.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, in no event shall RetireMint and/or our respective suppliers be liable for any direct, indirect, punitive, incidental, special or consequential damages, or for any loss of profits, revenue, data, or savings, arising out of, or in any way connected with, your access to, display of or use of this Website or with the delay or inability to access, display or use this Website (including, but not limited to, your reliance upon opinions, figures, estimates, or information appearing on this Website; any computer viruses, information, software, linked sites, products and services obtained through this Website; or otherwise arising out of the access to, display of or use of this Website) whether based on a theory of negligence, contract, tort, strict liability, consumer protection statutes, or otherwise, and even if RetireMint and/or our respective suppliers have been advised of the possibility of such damages. If, despite the limitation above, RetireMint or our respective suppliers are found liable for any loss or damage which arises out of or in any way connected with any of the occurrences described above, then the liability of RetireMint and/or our respective suppliers will in no event exceed, in the aggregate, the greater of (a) the service fees you paid to RetireMint in connection with such transaction(s) through the Legacy Platform in the twelve (12) months preceding the claim, or (b) one hundred Canadian dollars (CAD $100).

The limitation of liability reflects the allocation of risk between the parties. The limitations specified in this section will survive and apply even if any limited remedy specified in these Terms of Use is found to have failed of its essential purpose. The limitations of liability provided in these Terms of Use inure to the benefit of RetireMint and/or our respective suppliers. Some jurisdictions, including Quebec, do not allow the exclusion or limitation of certain warranties or liabilities for consumers, so some of the above exclusions and limitations may not apply to you. Nothing in these Terms of Use limits any rights you may have under applicable consumer protection laws that cannot be waived or limited by contract.

Indemnification

To the extent permitted by applicable law, you agree to defend and indemnify RetireMint and/or our respective suppliers and any of their officers, directors, employees and agents from and against any claims, causes of action, demands, recoveries, losses, damages, fines, penalties or other costs or expenses of any kind or nature including but not limited to reasonable legal and accounting fees, brought by third parties as a result of:

your breach of these Terms of Use or the documents referenced herein;
your violation of any law or the rights of a third party; or
your use of this Website.

Links to Third-Party Sites

This Website may contain hyperlinks to websites operated by parties other than RetireMint, including our Clients and partners. Such hyperlinks are provided for your reference only. We do not control such websites and are not responsible for their contents or the privacy or other practices of such websites. Further, it is up to you to take precautions to ensure that whatever links you select or software you download (whether from this Website or other websites) is free of such items as viruses, worms, trojan horses, defects and other items of a destructive nature. Our inclusion of hyperlinks to such websites does not imply any endorsement of the material on such websites or any association with their operators.

Software Available On This Website

Any software or tool that we make available on or to download from this Website (“Software”) is the copyrighted work of RetireMint, and/or our respective suppliers. Your use of such Software is governed by the terms of the end user license agreement, if any, which accompanies, or is included with, the Software (“License Agreement”). You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms. For any Software made available on this Website not accompanied by a License Agreement, we hereby grant to you, the user, a limited, personal, revocable, non-exclusive, non-transferable license to access, download, install and use the Software and/or the Mobile Application for viewing and otherwise using this Website and/or accessing the content and information available within the Mobile Application in accordance with these Terms of Use and for no other purpose.

Please note that all Software, including, without limitation, all HTML code, scripts, and other code contained on this Website, is owned by RetireMint, and/or our respective suppliers, and is protected by copyright laws and international treaty provisions. Any reproduction or redistribution of the Software is expressly prohibited, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible.

WITHOUT LIMITING THE FOREGOING, COPYING OR REPRODUCTION OF THE SOFTWARE TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED. THE SOFTWARE IS WARRANTED, IF AT ALL, ONLY ACCORDING TO THE TERMS OF THE LICENSE AGREEMENT.

Bank and Credit Card Fees

This section applies only to existing users of the Legacy Platform. Many bank and credit card companies charge their account holders a transaction fee when the card issuer and the “merchant location” (as defined by the card brand (e.g. Visa, MasterCard, American Express)) are in different countries. The currency exchange rate, if applicable, and any transaction fee are determined solely by the bank or other agency processing the transaction. These fees may be applied by the card issuer as a charge to the cardholder’s account. When applied by the card issuer, the fees will be listed separately from the transaction amount on a credit or debit card statement. This means the amount listed on your credit or debit card statement may be a different figure than the figure shown on the billing summary page for a reservation booked on the Legacy Platform. If you have any questions about these fees or any exchange rate applied to your booking, please contact your bank.

Reviews, Comments, Photos, and Other Submissions

We appreciate hearing from you. Please be aware that by submitting content to this Website or the Legacy Platform by electronic mail, forms, postings or otherwise, including any reviews, testimonials, questions, photos, videos, comments, feedback, suggestions, ideas or the like contained in any submissions (collectively, “Submissions”), you grant RetireMint, its subsidiaries and corporate affiliates and the affiliated, co-branded and/or linked website partners through whom we provide service a nonexclusive, royalty-free, perpetual, transferable, irrevocable and fully sublicensable right to (a) use, reproduce, modify, adapt, translate, distribute, publish, create derivative works from and publicly display and perform such Submissions throughout the world in any media, now known or hereafter devised; and (b) use the name that you submit in connection with such Submission. We will not publish your name, likeness, or testimonial for marketing purposes without your consent. You acknowledge that RetireMint may choose to provide attribution of your comments or reviews (for example, listing your name and hometown on a review that you submit) at our discretion, and that such submissions may be shared with our supplier partners. You further grant RetireMint the right to pursue at law any person or entity that violates your or RetireMint’s rights in the Submissions by a breach of these Terms of Use. You acknowledge and agree that Submissions are non-confidential and non-proprietary, and that RetireMint may use any feedback or suggestions about our products and services without any obligation to you. Please do not submit confidential or proprietary business information through the Website’s general contact or demo request forms. You expressly waive any and all ‘moral rights’ (including rights of attribution or integrity) that may subsist in your Submissions and agree that you have no objection to the publication, use, modification, deletion or exploitation of your Submissions by us or any of our partners or licensees. We take no responsibility and assume no liability for any Submissions posted or submitted by you. We have no obligation to post your comments; we reserve the right in our absolute discretion to determine which comments are published on the Website. If you do not agree to these Terms of Use, please do not provide us with any Submissions.

You are fully responsible for the content of your Submissions, (specifically including, but not limited to, reviews posted to this Website or the Legacy Platform). You are prohibited from posting or transmitting to or from this Website: (i) any unlawful, threatening, libelous, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate any law; (ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services); and (iii) any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party. You shall be solely liable for any damages resulting from any violation of the foregoing restrictions, or any other harm resulting from your posting of content to this Website. You acknowledge that RetireMint may exercise its rights (e.g. use, publish, delete) to any content you submit without notice to you. If you submit more than one review for the same service, only your most recent submission is eligible for use.

All photos submitted are subject to the same prohibited topics as stated for reviews, including (i) any unlawful, threatening, libelous, defamatory, obscene, pornographic, or other material or content that would violate rights of publicity and/or privacy or that would violate any law; (ii) any commercial material or content (including, but not limited to, solicitation of funds, advertising, or marketing of any good or services); and (iii) any material or content that infringes, misappropriates or violates any copyright, trademark, patent right or other proprietary right of any third party.

RetireMint claims no ownership, affiliation with, or endorsement of any photos that are submitted by end users through our sites.

RetireMint’s policies with respect to claims by third parties that the content of the Website, including the content of any Submissions, infringes the copyrights owned by said third party can be found in the Notice of Infringing Material section below.

Copyright and Trademark Notices

RetireMint, retiremint.ca, Your Guide to the Modern Retirement, and all RetireMint logos and brandings are trademarks or trade names of 10,000 Days Inc., and are registered or the subject of applications filed with the Canadian Intellectual Property Office. No licence to use any of our trademarks is granted by these Terms of Use.

Other logos and product and company names mentioned herein, including the names and logos of any Clients or partners, may be the trademarks of their respective owners and are used for identification purposes only. Their use does not imply endorsement unless expressly stated. RetireMint is not responsible for content on websites operated by parties other than 10,000 Days Inc.

If you are aware of an infringement of our brand, please let us know by emailing us at info@retiremint.ca.

Account Termination

In accordance with the Copyright Act (Canada), the Digital Millennium Copyright Act (“DMCA”) where applicable, and other applicable law, RetireMint has adopted a policy of terminating, in appropriate circumstances and at RetireMint’s sole discretion, subscribers or account holders who are deemed to be repeat infringers. RetireMint may also at its sole discretion limit access to the Website and/or terminate the accounts of any users who infringe any intellectual property rights of others, whether or not there is any repeat infringement. If you believe that an account holder or subscriber is a repeat infringer, please provide information sufficient for us to verify that the account holder or subscriber is a repeat infringer when filing your notice.

We may also suspend or terminate your access to the Website or your Legacy Platform account at any time if you breach these Terms of Use, or if we discontinue the Legacy Platform, in which case we will provide reasonable advance notice to Legacy Platform users where practicable. Sections of these Terms of Use that by their nature should survive termination will survive, including those relating to Submissions, disclaimers, limitation of liability, indemnification, and governing law.

Notice of Infringing Material

If you believe in good faith that materials hosted by us infringe your copyright, you (or your agent) may send us a written notice that includes the following information. Please note that we will not process your complaint if it is not properly filled out or is incomplete. Any misrepresentations in your notice regarding whether content or activity is infringing may expose you to liability for damages.

A clear identification of the copyrighted work you claim was infringed, and your interest or right in it.
A clear identification of the material you claim is infringing is on the Website, such as a link to the infringing material, and the date and time of the alleged infringement.
Your name, address, email address and telephone number.
A statement that you have a “good faith belief that the material that is claimed as copyright infringement is not authorized by the copyright owner, its agent, or the law.”
A statement that “the information in the notification is accurate, and under penalty of perjury, the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.”
A signature by the person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

You may send us your notice by email to info@retiremint.ca, Attn: IP/Trademark Legal Dept., Copyright Complaints.

Availability and Accuracy of Information

This Website is controlled and operated by RetireMint from the Province of Ontario, Canada, and is intended for use by persons and organizations in Canada. RetireMint makes no representation that the Website or its content is appropriate or available for use outside of Canada, and anyone who accesses the Website from outside of Canada does so on their own initiative and is responsible for compliance with local laws.

Content on this Website, including information about retirement, pensions, government benefits, taxation, legislation, and health and wellness, is current only as of the date it was published and may become out of date. RetireMint has no obligation to update any content, and may change, remove, or discontinue any content or feature at any time without notice.

Force Majeure

RetireMint will not be liable for any delay or failure to perform, or for any unavailability of the Website or the Legacy Platform, caused by events beyond its reasonable control, including acts of God, natural disasters, pandemics, war, terrorism, civil unrest, labour disputes, government action, failures of the internet or of third-party hosting, telecommunications, or service providers, power outages, or cyberattacks.

Dispute Resolution

If you have a concern or dispute relating to this Website, the Legacy Platform, or these Terms of Use, you agree to first contact us at info@retiremint.ca with a written description of the issue, and to give us thirty (30) days to try to resolve it informally before commencing any legal proceeding. This section does not limit any rights you may have under applicable consumer protection laws, and does not prevent either party from seeking urgent injunctive or other equitable relief.

Governing Law and Jurisdiction

These Terms of Use and any dispute arising out of or relating to them or to this Website are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of laws principles. You agree to submit to the exclusive jurisdiction of the courts located in the Province of Ontario, except where applicable consumer protection laws of your province or territory of residence (including Quebec) give you the right to bring proceedings in your home jurisdiction. The United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms of Use.

Electronic Communications

When you visit the Website, use the Legacy Platform, or send emails to us, you are communicating with us electronically and you consent to receive communications from us electronically. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. Marketing communications will only be sent in accordance with Canada’s Anti-Spam Legislation, and you may unsubscribe at any time. Please note that email and website form submissions are not completely secure, and you should not send sensitive personal, financial, or health information to us through these channels.

General

These Terms of Use, together with our Privacy Statement and any additional terms referenced in them, constitute the entire agreement between you and RetireMint regarding your use of the Website, and supersede any prior versions of these Terms of Use, except as provided in the Licensed Platform and Separate Agreements section above. If any provision of these Terms of Use is found to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect. Our failure to enforce any right or provision of these Terms of Use will not be considered a waiver of that right or provision. You may not assign these Terms of Use without our prior written consent; we may assign these Terms of Use without restriction, including in connection with a merger, acquisition, or sale of assets. Headings are for convenience only.

The parties have required that these Terms of Use and all related documents be drawn up in English. Les parties ont exigé que les présentes conditions d’utilisation et tous les documents connexes soient rédigés en anglais.

Contact Us

If you have any questions about these Terms of Use, please contact us by emailing info@retiremint.ca. Questions about privacy may be directed to our Privacy Officer at ryan@retiremint.ca.

Website Terms of Use