INVEST IN KIDS FOUNDATION ("INVEST IN KIDS") provides this website ("Web Site") for your personal use only. This Web Site in not intended for residents outside of Canada. BY ACCESSING THIS WEB SITE, YOU AGREE TO BE BOUND BY THESE TERMS OF USE ("TERMS"). IF YOU DO NOT AGREE WITH ANY OF THESE TERMS, PLEASE DISCONTINUE THE USE OF THIS WEB SITE.

You may display, download or print the content and information displayed on the Web Site (the "Information") for your personal and non-commercial use only. The material may not be altered in any fashion. You acknowledge that Information on this Website is owned by, or licensed by third parties to, INVEST IN KIDS and is protected by copyright, trademark and/or other rights. This Web Site may contain other proprietary notices and copyright information, the terms of which must be observed and followed. For additional reproduction in any form by any photographic, electronic, mechanical or other means, or used in any information storage system, users must obtain the prior written consent of Invest In Kids by completing the form provided: [email protected].

Information on this Web Site may contain technical inaccuracies or typographical errors. INVEST IN KIDS assumes no responsibility regarding the accuracy of the Information that is provided and the use of such Information is at your own risk. Information may be changed or updated without notice. INVEST IN KIDS may also make improvements and/or changes in the products, services and/or the programs described in this Web Site at any time without notice to you. INVEST IN KIDS provides no assurances that any reported problems may be resolved with the use of any Information that INVEST IN KIDS provides.

INVEST IN KIDS does not want to receive confidential or proprietary information from you through our Web site. Please note that any information or material sent to INVEST IN KIDS will be deemed NOT to be confidential. By sending INVEST IN KIDS any information or material, you grant INVEST IN KIDS an unrestricted, non-exclusive, royalty-free, irrevocable, worldwide license to use, reproduce, display, perform, modify, transmit and distribute such materials or information. You also agree that INVEST IN KIDS is free to use any ideas, concepts, know-how or techniques that you send to us for any purpose. However, INVEST IN KIDS will not release your name or otherwise publicize the fact that you submitted materials or other information to INVEST IN KIDS unless INVEST IN KIDS: (a) obtains your permission to use your name; (b) first notifies you that the materials or other information you submit to a particular part of this Web Site will be published or otherwise used with your name on it; or (c) is required to do so by law. You can learn more about INVEST IN KIDS' privacy practices on this Web Site.

Global availability Information INVEST IN KIDS publishes on the World Wide Web may contain references or cross references to INVEST IN KIDS products, programs and/or services that are not announced or available in your country. Such references do not imply that INVEST IN KIDS intends to announce or offer such products, programs or services in your country.

INVEST IN KIDS' obligations with respect to its products, programs and services offered through the Web Site are governed solely by the agreements under which they are provided. If you obtain a product, program and/or service from INVEST IN KIDS from this Web Site that is provided without an agreement, that product, program and/or service is provided "AS-IS" with no warranties whatsoever, whether express or implied, including the implied warranties and conditions of fitness for a particular purpose, merchantability and non-infringement. Your use of that product, program and/or service is at your own risk and is subject to the limitations of liability and indemnity set out below.

INVEST IN KIDS makes no representations whatsoever about any other web site which you may access through our Web Site. When you access such non-INVEST IN KIDS web site, even one that may contain the INVEST IN KIDS logo, please understand that it is independent from INVEST IN KIDS and that INVEST IN KIDS has no control over the content on that Web Site. INVEST IN KIDS does not endorse or accept any responsibility for the content, use or privacy practices of such web sites. You acknowledge and agree that INVEST IN KIDS shall not be held liable for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, goods or services available through any such web site.

It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, trojan horses and other items of a destructive nature.

IN NO EVENT WILL INVEST IN KIDS BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER CONSEQUENTIAL DAMAGES, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF INVEST IN KIDS IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, ARISING OUT OF ANY USE OR INABILITY TO USE THIS WEB SITE OR ON ANY HYPER LINKED WEB SITE, OR ANY SERVICES, PROGRAMS OR PRODUCTS OFFERED THROUGH THIS WEB SITE.

ALL INFORMATION, SERVICES, PROGRAMS AND PRODUCTS ARE PROVIDED BY INVEST IN KIDS ON AN "AS IS" BASIS ONLY. INVEST IN KIDS PROVIDES NO REPRESENTATIONS, WARRANTIES OR CONDITIONS IN RESPECT OF THE SAME, EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES AND CONDITIONS OF FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY AND NON-INFRINGEMENT.

You agree to indemnify and hold INVEST IN KIDS, its directors, officers, agents and employees harmless from any claims or demands, including reasonable legal fees and expenses, due to or arising out of your use of the Web Site or any hyper-linked web site.

You agree that the Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and applicable laws of Canada. In the event of any conflict arising out of the Terms, you agree to submit to the non-exclusive jurisdiction of the courts of the Province of Ontario.

INVEST IN KIDS may change the Terms at any time without notice to you. Any changes to these terms will be posted on this Web Site and your continued use of this Web Site will be deemed to be your acceptance of such changes.