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1. About our online services
1.1 What are our online services?
Our online services include:
- Our website bdc.ca
- Applying for a loan through our website
- Your Client Space
- BDC Mobile App
- Sending emails
- Any other online services we may offer
1.2 We provide information, not advice
On our website and mobile application, we provide information—not advice tailored to your reality—unless we specifically say otherwise. You should not rely on this information without seeking advice from professionals.
1.3 We do our best to provide useful information
We do our best to provide useful information on our website and mobile application. However, we cannot guarantee that the information you have access to is complete, accurate, up-to-date or otherwise reliable for any particular purpose.
We monitor our website and mobile application. In case of problems with its content, we may intervene to correct the problem, but we do not guarantee that we will.
1.4 Information may be removed and our services may become unavailable at any time
We do not guarantee that information on our website or mobile application or that our online services will always remain available. You may possibly experience occasional interruptions or delays.
1.5 Our products and services are only offered in Canada
Even though you may access our website or mobile application from anywhere in the world, we only offer our products and services in Canada.
2. Your obligations
2.1 You must take appropriate security measures
If you wish to contact us, do not use your email to send us confidential information. Already a BDC client? Use your Client Space to send us confidential information.
2.2 You must respect our intellectual property rights
2.2.1 We own everything on our website or mobile application
We own—or are licensed for—all intellectual property rights on our website or mobile application unless we say otherwise. This includes:
- All works, such as texts, images, illustrations, designs, software, codes, audio and video clips, and any other content
- Trademarks and trademarks that are licensed to us
2.2.2 You must get our authorization in writing for any public or commercial use
No one has permission to make public or commercial use of any content on our website or mobile application, unless we say otherwise.
You must get our authorization in writing before using any content from our website or mobile application for:
- Storage, whatever the medium
- Any other public or commercial use
2.3 You must not make an illegal use of our services or any use that could harm us or others
2.3.1 Do not publish content if you’re not sure you have the right to publish it
By publishing on our website, you guarantee that you do not infringe on anyone’s rights, including their intellectual property rights.
2.3.2 Do not publish content that could harm others or constitute a criminal offence
You must not publish content that could harm others or constitute a criminal offence. For example, you must not publish content that could be defamatory.
2.4 You must reimburse us if we face any liability arising out of how you use our online services
You must reimburse us if we face any liability arising out of:
- Your use of our website, our mobile application or the information, products and services offered on our website or mobile application
- Your misrepresentations
- Your violation of another person’s rights
In any of these cases, you agree to compensate us for any claim, demand, cause of action, liability and costs (including reasonable lawyer fees). We will also conduct our defence and assume control of any matter at your expense. You must cooperate with us in asserting our rights.
3. Our obligations
3.1 We serve you in the official language of your choice
We follow the Official Languages Act and Treasury Board of Canada Secretariat policies on official languages. We provide information in English and French.
However, we do not have the obligation to link exclusively to external websites where content is available in both official languages.
3.2 We follow our Policy on confidentiality and use of personal and business information
We collect and use your personal information. But we never sell it. To learn what we collect, why, and what your privacy rights are, please read our Policy on confidentiality and use of personal and business information.
4. Exclusion of our liability
4.1 Exclusion of our liability—We will not compensate you or anyone for any damages arising out of our online services
We will not compensate you or any other person for any damages, claims, costs or losses arising out of our online services.
It does not matter whether the damages are a direct consequence of your use of our website/mobile application or not. We will not compensate you for any damage that is indirect, consequential, special, aggravated, punitive, moral or exemplary, in whole or in part.
You cannot ask us or the following persons or entities to compensate you:
- Our affiliated companies
- Our agents, employees, directors and officers
- Any agency or person associated with the creation of our website or mobile application and its content, including their agents, employees, directors and officers
This is true:
- Even if we have been negligent
- Even if we have been advised of the possibility of such damages
- Regardless of the legal basis of your claim
Sections 4.1.1 to 4.1.6 are examples of cases where we are not liable to you or anyone else.
4.1.1 We are not liable for any use of information on our website or mobile application
We are not liable for any damages linked to anyone using or accessing information on our website or mobile application. As mentioned in section 1.3:
- We do not guarantee that information on our website or mobile application is complete, accurate, up-to-date or otherwise reliable for any particular purpose
- Although we monitor our website, we do not guarantee that we will correct any problem, for any reason
4.1.2 We are not liable if content becomes unavailable
We are not liable if any content becomes unavailable at any time. As mentioned in section 1.4:
- We may remove any information or content from our website or mobile application at any time
- We cannot guarantee that external content or downloadable software will remain available
4.1.3 We are not liable for linking to external content
We are not liable for any damages in connection with linking to external websites. We do not review or monitor external websites and resources we link to, and we do not endorse the views expressed on those websites. Links to external websites or resources are for your convenience only and you use them at your own risk.
4.1.4 We are not liable for software you download
We are not liable for any damages arising out of your downloading or installing software we link to. Links to software downloads are for your convenience only and you use them at your own risk. It is your responsibility to avoid difficulties, data loss and viruses.
4.1.5 We are not liable if confidential information you send us is intercepted, lost or disclosed
We cannot guarantee that confidential or sensitive information you send us over the Internet will never be intercepted, lost or disclosed. We are not liable if this happens.
4.1.6 We are not liable for interruptions and delays
We cannot guarantee that our online services will always be available. In case of interruptions or delays, we are not liable for any damages. For example, we are not liable if you cannot contact us or if there is an unusual delay for you to get a loan from us.
5.2.1 Additional terms apply for specific services
5.2.3 The laws of Quebec and Canada apply
Terms for specific services, such as loan agreements, may be governed by the laws of the province or territory where you receive the services.
5.2.4 Quebec courts have jurisdiction
Note: The masculine is used without prejudice and only for the sake of readability.