Legal

Terms of Use – General

This World Wide Web Site is owned and operated by Group Employee Mortgage Inc., also known as GEM.  Access to and use of this World Wide Web Site (the ‘Site’) is provided subject to these conditions. Use of this Site constitutes acceptance of these conditions.

Notice Specific to Documents Available on this Site

Permission to use documents (such as press releases, datasheets and Frequently Asked Questions (FAQs)) from this Site is granted, provided that (a) the copyright notice set out below appears in all copies and that both the copyright notice and this permission notice appear, (b) use of such documents from this Site is for informational and non-commercial or personal use only and such documents are not to be copied or posted on any network computer or broadcast in any media, and (c) no modifications of any documents are made. Use for any other purpose is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible. Documents specified above do not include the design or layout of the Site or any other GEM owned, operated, licensed or controlled Site. Elements of GEM websites are protected by copyright and other laws and may not be copied or imitated in whole or in part. No logo, graphic, sound or image from any GEM website may be copied or retransmitted without the express written permission of GEM.

Third Party Advertisements

GEM does not endorse any third party product or service advertised or referred to on this Site. GEM accepts no responsibility whatsoever in respect of any offers or advertisements of third party on this Site, including but not limited to any product or service claims, warranties, representations, offers or contests of any kind.

Links to Third Party Sites

The links to other websites will let you leave GEM’s site. The linked sites are not under the control of GEM and GEM is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. GEM is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement or any representation by GEM of the 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, bugs, problems or other limitations.

IN NO EVENT SHALL GEM BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES FOR ANY USE OF THIS SITE OR ANY OTHER LINKED WEBSITE, INCLUDING WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA, EVEN IF GEM WAS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Governing Law

This Site and all disputes or other matters arising out of it shall be governed by the laws of the Province of Alberta, Canada and dealt with by a court of competent jurisdiction in Edmonton, Canada or such other location as the parties may agree. Since you should have no reason to have a grievance with us, as a disincentive to unwarranted litigation, you agree that if you sue us and don’t win, you will pay all our costs, including reasonable fees for in-house and outside counsel.

Security

Most of the activity at the Site involves the viewing of materials, which are made accessible to everyone so there is no need for it to be secure. Other areas of the Site require the use of passwords, User IDs and may have other security features. You are responsible to keep your User IDs and passwords confidential. You should promptly notify GEM if you become aware of unauthorized use of your User IDs or passwords or use of services or materials available from this Site. The use of your User IDs or passwords by you, or by any person with or without your knowledge or consent, in connection with a GEM transaction, binds you legally and makes you responsible to the same extent and effect as if you had given signed, written instructions to us, unless you have previously notified us that the confidentiality of your User IDs or passwords has been compromised.

Copyright Notice

The materials on this Site are protected by copyright and other laws. © Copyright Group Employee Mortgage Inc. and/or its licensors, 2011-2012. All rights reserved.

Trademarks

Certain trademarks, trade-names, images, logos and pictures at this Site are proprietary to Group Employee Mortgage Inc. or other entities. Except as may be expressly provided, nothing contained herein shall be construed as conferring any license or right under copyright or other intellectual property rights.

Rights Reserved

Any rights not expressly granted herein are reserved.