Terms & Conditions

Terms and Conditions for YourScore.ca

Part I: Introduction and Foundational Clauses

This section establishes the legal foundation of the user's relationship with Your Score Technologies Ltd. It is the user's first interaction with the legal terms, making clarity and transparency paramount for establishing a trusted and legally sound relationship.

A. Preamble and Company Identification

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," "your") and Your Score Technologies Ltd. ("Company," "we," "us," "our"). The Company operates the website located at www.yourscore.ca and any associated mobile applications, software, or platforms (collectively, the "Website"). Your Score Technologies Ltd. is a corporation registered in Canada, providing the services described herein. This document governs your access to and use of the services offered through the Website.

B. Acceptance of the Agreement

By registering for an account, accessing the Website, or using any of the Services provided, you acknowledge that you have read, understood, and agree to be legally bound by these Terms. A critical best practice observed among industry leaders is the strategic bundling of all governing documents—including these Terms of Service and the Privacy Policy—into a single, unified "Agreement".1 This approach streamlines the user consent process, ensuring that a single act of acceptance legally binds the user to all pertinent policies.

Therefore, these Terms, together with our Privacy Policy and any other additional terms, conditions, or policies referenced herein or that may be presented to you for specific services ("Additional Terms"), collectively form the "Agreement".1 If you do not agree to be bound by this Agreement in its entirety, you must not access or use the Website or any of the Services. The act of using the Services constitutes your electronic signature and acceptance of this Agreement.2

C. Plain Language Summaries and Key Term Call-outs

To enhance transparency and ensure meaningful consent, certain sections of this Agreement may be accompanied by brief, plain-language summaries. These summaries are provided for convenience only and are not legally binding; they do not form part of the Agreement itself and are not intended to modify or limit the scope of the legal terms they accompany.4 The full legal terms and conditions will always govern the relationship between you and the Company.
The use of such summaries and prominent warnings serves a critical legal function beyond user-friendliness. In the context of "adhesion contracts" (standard form contracts presented on a take-it-or-leave-it basis), courts and regulators scrutinize whether a user provided meaningful consent to particularly restrictive terms. By proactively drawing a user's attention to clauses that limit their rights, such as arbitration waivers or limitations on liability, the company strengthens its legal position against potential challenges that such terms were not fairly disclosed or understood.4 This demonstrates a sophisticated and transparent approach to consumer contracting.

IMPORTANT NOTICE FOR ALL USERS: This Agreement contains important provisions that affect your legal rights, including a mandatory arbitration clause that requires most disputes to be resolved through binding arbitration rather than in court, and a class action waiver. It also includes significant disclaimers of warranties and limitations on our liability. Please read these sections carefully.

NOTICE TO RESIDENTS OF QUEBEC: The mandatory arbitration and class action waiver provisions set forth in this Agreement are not applicable to residents of Quebec to whom the Quebec Consumer Protection Act applies.4

Part II: The YourScore.ca Services: Scope, Nature, and Limitations

This section defines the scope of the services provided by Your Score Technologies Ltd. and establishes crucial boundaries regarding their nature and limitations. Clearly delineating what the Company does—and, more importantly, what it does not do—is essential for managing user expectations and mitigating legal risk.

A. Description of Services

The Company provides a platform with a variety of products and services designed to help users understand and manage their financial health. These services (collectively, the "Services") may include, but are not limited to:

Free Credit Score and Report: Access to your credit score and credit report, as provided by our designated Canadian credit reporting agency, Equifax Canada Co. ("Equifax").1
Educational Content and Insights: Articles, tools, and educational resources to provide context and information about financial health, credit management, and related topics.1
Marketplace for Financial Product Offers: A platform that presents you with personalized offers for various financial products and services (e.g., credit cards, loans) from our third-party marketing partners ("Partners").1

B. Right to Modify or Discontinue Services

The financial technology landscape is constantly evolving. To adapt and improve our offerings, we must retain operational flexibility. Accordingly, the Company reserves the right, in its sole and absolute discretion, to add, modify, suspend, discontinue, or terminate any aspect of the Services, in whole or in part, at any time and without prior notice or liability to you.1 This includes changing the features available, the credit reporting agencies we partner with, or the scope of our educational content.

C. Crucial Disclaimers on the Nature of the Service

To ensure clarity and manage legal risk, you must understand and acknowledge the following fundamental limitations of our Services:

For Educational and Informational Purposes Only: All information provided through the Services, including credit scores, credit reports, analyses, and educational content, is for your personal, non-commercial, educational, and informational purposes only.4 The Services are intended to help you understand your financial standing but should not be the sole basis for your financial decisions.
Not a Credit Reporting Agency: Your Score Technologies Ltd. is not a credit reporting agency as defined by applicable Canadian law. We do not collect, maintain, or control the data contained within your credit report. We obtain this information from our credit bureau partner (Equifax) and present it to you. We are not responsible for the accuracy, completeness, or timeliness of the information in your credit file and cannot alter it. Any disputes regarding information in your credit report must be resolved directly with the relevant credit reporting agency.5
Not a Professional Advisor: The Company is not a credit repair organization, credit counsellor, financial planner, or legal or tax advisor.4 The use of our Services is not a substitute for professional advice tailored to your specific circumstances. We do not provide advice on improving your credit history or score, nor do we offer financial or legal counsel. If you require professional assistance with your finances, credit, or legal matters, you should consult a qualified and licensed professional.

There is an inherent tension between providing a useful credit score and legally disclaiming its absolute accuracy. This is because numerous credit scoring models exist (e.g., FICO, VantageScore), and the specific model and score used by a lender to evaluate your creditworthiness may differ from the one we provide.4 To address this, it is important to understand that while the score we present is a genuine reflection of the data in your credit file based on the model used by our credit bureau partner, it is one of many possible scores. Tracking this score provides a valuable overview of your credit health and general trends, but it is not guaranteed to be the same score a lender will use in an application process. This educational approach manages legal risk without undermining the perceived value of the service, turning a legal necessity into a trust-building, transparent communication.4

Part III: User Account and Responsibilities

This section outlines the rules of engagement for all users of the YourScore.ca platform. Adherence to these rules is a condition of your continued access to and use of the Services. These rules cover eligibility for creating an account, your responsibility for securing that account, and the standards of acceptable conduct on our platform.

A. Eligibility and Registration

To be eligible to register for a YourScore.ca account and use the Services, you must meet the following criteria, which you represent and warrant are true:

You are a resident of Canada.7
You have reached the age of majority in your province or territory of residence.8
You are registering for an account for your own personal use and not on behalf of any other person or entity.8
You agree to provide true, accurate, current, and complete information about yourself as prompted by our registration form (the "Registration Data").2
You agree to maintain and promptly update the Registration Data to keep it true, accurate, current, and complete.

If you provide any information that is untrue, inaccurate, not current, or incomplete, or if the Company has reasonable grounds to suspect that such information is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services.2

B. Account Security

You are solely and entirely responsible for maintaining the confidentiality of your password and account credentials. Furthermore, you are solely and entirely responsible for any and all activities that occur under your account. You agree to:

Immediately notify Your Score Technologies Ltd. of any unauthorized use of your account or any other breach of security.2
Ensure that you exit from your account at the end of each session.
Not sell, transfer, or assign your account or any account rights to another person.4

The Company will not be liable for any loss or damage arising from your failure to comply with this section.

C. User Conduct and Content Rules (Acceptable Use Policy)

The YourScore.ca platform may, now or in the future, include interactive features such as user reviews, forums, or comment sections ("User Forums"). Your use of the Services, including any content you submit ("User Content"), is subject to the following rules. Establishing clear rules and reserving the right to moderate content serves not only to maintain a positive community but also as a legal shield against potential liability for user-generated content. By demonstrating active management of the platform, the Company can reduce its legal risk should a user post something illegal or harmful.9

You agree not to use the Services to create, post, or transmit any User Content that:

Is Deceptive or Impersonates Others: Misrepresents your identity, impersonates any person or entity, or is otherwise false, deceptive, or inaccurate.9
Infringes on Intellectual Property: Violates the copyright, trademark, patent, trade secret, or other intellectual property rights of any third party. You must own or have all necessary rights to any User Content you post.9
Violates Privacy: Publishes, posts, or disseminates any person's private or confidential information without their express consent, such as Social Insurance Numbers (SINs), financial account numbers, addresses, or phone numbers.9
Is Threatening or Abusive: Threatens, abuses, harasses, bullies, or defames others. This includes content that disparages others based on race, ethnicity, national origin, religion, gender, sexual orientation, disability, or any other protected status.9
Is Obscene or Violent: Depicts or promotes graphic violence, is sexually explicit or pornographic, or contains obscene or profane material.9
Promotes Illegal Activity: Promotes or facilitates illegal acts or is otherwise in furtherance of criminal activity. The Company reserves the right to report any such activity to law enforcement authorities.9
Is Spam: Constitutes spam, including unsolicited commercial advertising, promotional materials, or chain letters.9
Contains Malicious Code: Contains viruses, Trojan horses, spyware, malware, or other malicious technologies that could damage the operation of the Services or the devices of the Company or other users.9

The Company has the right, but not the obligation, to monitor and review User Content and to remove any content that, in our sole discretion, violates this Agreement. You are solely responsible for the User Content you create and for any liability arising from it.

Part IV: Privacy, Data, and User Authorization (The PIPEDA Core)

This section is of paramount importance. As a Canadian financial technology company handling highly sensitive personal information, our commitment to privacy and our compliance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) are central to our operations and your trust. This section outlines the authorization you grant us and our commitments under PIPEDA's Fair Information Principles.

A. Express Authorization for Credit Information

To provide the Services, we must act as your authorized agent to obtain your credit information. By registering for an account and accepting this Agreement, you provide your express written instructions and consent, authorizing Your Score Technologies Ltd. to:

Request, obtain, and receive copies of your personal credit report, credit score, and related information from our designated Canadian credit reporting agency partner, Equifax Canada Co. ("Equifax").8
Continue to request and obtain this information on an ongoing basis for as long as you maintain an active account with us, for the purposes of providing updated scores and reports.
Use this information, along with the personal information you provide to us, to verify your identity, provide the Services, and present you with personalized offers for financial products from our Partners.2

You understand that this authorization allows us to make inquiries that may be reflected in your credit file as "soft inquiries," which do not impact your credit score.11 You are not required to provide your Social Insurance Number (SIN) to use our Services; however, providing it can help ensure we accurately match your identity with your credit file at the credit bureaus.10

B. PIPEDA Compliance Framework

Your Score Technologies Ltd. is committed to protecting your personal information in accordance with PIPEDA and its ten Fair Information Principles.12 Our practices regarding your data are governed by these principles, which are integrated into our services and summarized below. The following table provides a clear, transparent, and auditable map of our compliance with PIPEDA, linking each legal principle to our business practices and commitments within this Agreement. This structure is designed to provide you with a clear dashboard of your rights and our obligations, demonstrating a mature and proactive approach to privacy management.

PIPEDA Principle YourScore.ca's Commitment and Implementation in the Terms & Conditions

1. Accountability

Your Score Technologies Ltd. takes full responsibility for all personal information under its control. We have designated a Privacy Officer to oversee our compliance with PIPEDA. Our policies and procedures are designed to protect your information, including when it is handled by third-party service providers acting on our behalf.14

2. Identifying Purposes

We will identify and document the purposes for which we collect your personal information at or before the time of collection. The primary purposes are: to verify your identity, to retrieve your credit score and report, to provide you with the Services, to present you with tailored offers from our partners, and to improve our platform.16

3. Consent

We will obtain your meaningful and express consent for the collection, use, and disclosure of your personal information. By registering for our Services and accepting this Agreement, you provide this consent. You may withdraw your consent at any time, subject to legal or contractual restrictions, by closing your account.14

4. Limiting Collection

We will only collect the personal information that is necessary for the identified purposes. We collect information you provide (e.g., name, address), information from credit bureaus (your credit file), and information about your use of our Services. We will collect this information by fair and lawful means.

5. Limiting Use, Disclosure, and Retention

We will not use or disclose your personal information for purposes other than those for which it was collected, except with your consent or as required by law. We do not sell your personal information to third parties.12 We will retain your information only as long as necessary to fulfill the identified purposes or as required by law, after which it will be securely destroyed or anonymized.

6. Accuracy

We rely on you and our third-party data providers (e.g., credit bureaus) for the accuracy of your information. We will take reasonable steps to ensure the personal information we use is accurate and up-to-date. You have the right to challenge the accuracy of information in your credit report by contacting the credit bureaus directly, as we cannot change this data.

7. Safeguards

We protect your personal information with security safeguards appropriate to its sensitivity. This includes technological measures like 128-bit or higher SSL encryption to protect data transmission, firewalls, and regular vulnerability assessments, as well as organizational controls and physical security measures.

8. Openness

We are transparent about our privacy policies and practices. These Terms and our comprehensive Privacy Policy are readily available on our Website and explain in detail how we manage your personal information.

9. Individual Access

Upon request, we will inform you of the existence, use, and disclosure of your personal information under our control and give you access to that information, as required by law. You can challenge the accuracy and completeness of the information and have it amended as appropriate.

10. Challenging Compliance

You have the right to challenge our compliance with these principles. Complaints can be directed to our Privacy Officer, whose contact information is provided in our Privacy Policy. You also have the right to file a complaint with the Office of the Privacy Commissioner of Canada.

Part V: Third-Party Offers, Content, and Links

A core component of the Services is our role as a marketplace connecting you with offers for financial products from our third-party Partners. This section clarifies our role and responsibilities—and the limits thereof—in this ecosystem.

A. Third-Party Offers

The Website provides a platform where you can view and compare offers for products and services—such as credit cards, personal loans, and mortgages—from our third-party Partners.1 You understand and agree that:

All offers are made by the respective third-party Partners, not by Your Score Technologies Ltd.
We do not determine the eligibility criteria for any product, nor do we make any credit decisions.
Any "Approval Odds" or similar predictive tools that may be offered on our platform are for informational purposes only and are not a guarantee of approval. Your eligibility for any product can only be determined by the Partner after you submit an application to them.

B. Disclaimer of Responsibility for Third Parties

Your Score Technologies Ltd. is not an agent for you or for any of our Partners. We are not a party to any agreement or transaction you may enter into with a Partner. We do not endorse, guarantee, warrant, or take any responsibility for any Partner or any product, service, or website offered by a Partner.
The moment a user clicks on a third-party offer, a legal "hand-off" occurs. At that point, the user leaves the YourScore.ca platform, and the legal framework governing their interaction changes completely. It is crucial that this transition is made clear. Therefore, when you click on a third-party offer, you will be leaving the YourScore.ca platform. Your correspondence, dealings, and any transactions with Partners found on or through our Services are solely between you and that Partner. Your use of any third-party website is subject to the terms and conditions and privacy policy of that third party. We strongly encourage you to review their terms and privacy policies before providing any personal information or entering into any transaction.

C. External Links

The Services may contain links to other third-party websites or resources that are not owned or controlled by the Company. These links are provided for your convenience and for informational purposes only. Your Score Technologies Ltd. has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites. By using the Services, you expressly relieve the Company from any and all liability arising from your use of any third-party website.

Part VI: Provincial Consumer Protection Compliance

Your Score Technologies Ltd. is committed to upholding the highest standards of consumer protection. While our core service of providing a free credit score and report may not fall squarely within the definition of a "sale" under all provincial laws, we recognize that the exchange of valuable personal data for a service is a significant transaction. Relying on the "free" nature of the service to sidestep consumer protection regulations is a high-risk strategy that is inconsistent with our commitment to trust and transparency. A regulator could argue that failing to provide clear, contract-like disclosures for a service that involves such a significant data transaction is, in itself, an unfair practice.
Therefore, we proactively model our practices on the principles of fairness, disclosure, and transparency embedded in Canadian consumer protection legislation, such as Alberta's Consumer Protection Act and its Internet Sales Contract Regulation, applying these high standards nationwide. This approach turns a potential legal ambiguity into a clear commitment to our users.

A. Adherence to Internet Sales Contract Principles

In the spirit of robust consumer protection, we voluntarily adhere to the core disclosure principles found in provincial internet sales contract regulations.23 We commit to:
Clear Disclosure: Providing clear, prominent, and understandable information about our Company and the Services before you agree to the terms.23
Retainable Copy: Providing you with a readily accessible and retainable copy of this Agreement, which you can save or print for your records.23
Opportunity to Correct Errors: Ensuring our registration process provides you with an express opportunity to review and correct any errors before finalizing your account creation.

B. Prohibition on Unfair Practices

The Company affirms that it will not engage in any unfair business practices as defined by applicable provincial consumer protection legislation.22 This includes, but is not limited to:
Making any false, misleading, or deceptive representations about the quality, availability, or nature of our Services.
Taking advantage of a consumer's inability to understand the character, nature, or effect of the transaction.
Using undue pressure or influence to induce a consumer to enter into a transaction.

C. Interpretation in Favour of the Consumer

As is a guiding principle in consumer protection law, if any term or provision of this Agreement is found to be ambiguous or unclear, it will be interpreted in favour of the consumer.

Part VII: Disclaimers, Indemnification, and Limitation of Liability

This section is a critical component of the legal agreement, outlining the allocation of risk between you and the Company. The language used is intended to be as broad and protective of the Company as is legally permissible under Canadian law.

A. Disclaimer of Warranties

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOUR SCORE TECHNOLOGIES LTD., ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

THE COMPANY MAKES NO WARRANTY THAT: (I) THE SERVICES WILL MEET YOUR REQUIREMENTS; (II) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (III) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES, INCLUDING ANY CREDIT SCORES, REPORTS, OR OTHER INFORMATION, WILL BE ACCURATE, COMPLETE, OR RELIABLE 5; OR (IV) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED BY YOU THROUGH THE SERVICES WILL MEET YOUR EXPECTATIONS.

B. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL YOUR SCORE TECHNOLOGIES LTD., ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

(A) YOUR ACCESS TO, USE OF, OR INABILITY TO ACCESS OR USE THE SERVICES;
(B) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICES, INCLUDING WITHOUT LIMITATION, ANY DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES;
(C) ANY CONTENT OBTAINED FROM THE SERVICES; OR
(D) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR ACCOUNT, TRANSMISSIONS, OR CONTENT.
IN NO EVENT SHALL THE AGGREGATE LIABILITY OF YOUR SCORE TECHNOLOGIES LTD. EXCEED THE GREATER OF ONE HUNDRED CANADIAN DOLLARS ($100.00 CAD) OR THE AMOUNT YOU PAID THE COMPANY, IF ANY, IN THE PAST SIX MONTHS FOR THE SERVICES GIVING RISE TO THE CLAIM. THE LIMITATIONS OF THIS SUBSECTION SHALL APPLY TO ANY THEORY OF LIABILITY, WHETHER BASED ON WARRANTY, CONTRACT, STATUTE, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, AND WHETHER OR NOT THE COMPANY HAS BEEN INFORMED OF THE POSSIBILITY OF ANY SUCH DAMAGE, AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

C. Indemnification

You agree to indemnify, defend, and hold harmless Your Score Technologies Ltd. and its affiliates, officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in any way connected with: (a) your access to or use of the Services; (b) your violation of this Agreement; or (c) your violation of any rights of another person or entity.

Part VIII: Intellectual Property

This section protects the Company's valuable intangible assets, including its software, branding, and content, which form the core of the YourScore.ca platform.

A. Ownership of Services

The Services and all content therein or transferred thereby, including, without limitation, software, images, text, graphics, illustrations, logos, patents, trademarks, service marks, and copyrights (the "Company Content"), and all Intellectual Property Rights related thereto, are the exclusive property of Your Score Technologies Ltd. and its licensors. Except as explicitly provided herein, nothing in this Agreement shall be deemed to create a license in or under any such Intellectual Property Rights. You agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from any Company Content.

B. Limited License to User

Subject to your compliance with the terms of this Agreement, the Company grants you a limited, non-exclusive, non-sublicensable, non-transferable, and revocable license to access and use the Services solely for your personal, non-commercial use. The Company reserves all rights not expressly granted herein in the Services and the Company Content. This license is automatically revoked if you violate any of the terms of this Agreement.

Part IX: Term, Termination, and Modification of Agreement

This section governs the lifecycle of the legal relationship between you and the Company, from its commencement to its conclusion, and outlines the process for making changes to this Agreement.

A. Term

This Agreement will commence on the date you first accept it (e.g., by creating an account) and will remain in full force and effect while you use the Services, unless terminated earlier in accordance with its terms.

B. Termination

Termination by You: You may terminate this Agreement at any time and for any reason by closing your YourScore.ca account and discontinuing all use of the Services.
Termination by Us: We may, in our sole discretion, suspend, disable, or terminate your account and your right to access or use the Services at any time and for any reason, or for no reason, without notice or liability to you. Reasons for termination may include, but are not to, a breach of this Agreement, a request by law enforcement or other government agencies, or unexpected technical or security issues.2 Upon termination, all licenses and other rights granted to you in this Agreement will immediately cease.

C. Changes to the Agreement

The Company reserves the right, in its sole discretion, to modify or replace this Agreement at any time.1 If a revision is material, we will make reasonable efforts to provide you with notice prior to the new terms taking effect. What constitutes a material change will be determined at our sole discretion. Notification may be provided by posting a notice on the Website or by sending an email to the address associated with your account. By continuing to access or use our Services after those revisions become effective, you agree to be bound by the revised terms.

Part X: Governing Law and Dispute Resolution

This section defines the legal jurisdiction and the process for resolving any disputes that may arise between you and the Company. The aim is to create a predictable, efficient, and cost-effective dispute resolution mechanism.

A. Governing Law

This Agreement and any dispute arising out of or related to it or the Services shall be governed by and construed in accordance with the laws of the Province of Alberta and the federal laws of Canada applicable therein, without regard to its conflict of law provisions.

B. Mandatory Arbitration and Class Action Waiver

The inclusion of a mandatory arbitration clause is a critical risk management tool. However, its enforceability varies across Canada. Quebec's consumer protection laws, for instance, are famously stringent and generally prohibit pre-dispute arbitration clauses and class action waivers in consumer contracts.4 Failing to acknowledge this would render the clause invalid in Quebec and could signal a lack of diligence to regulators in other provinces. By explicitly carving out Quebec, the company not only complies with Quebec law but also strengthens the enforceability of the clause in other provinces by demonstrating a tailored and sophisticated understanding of the Canadian legal mosaic.

Except for users residing in Quebec, and except for certain types of disputes described below, you agree that any and all disputes, claims, or controversies between you and Your Score Technologies Ltd. arising out of or relating to this Agreement or the Services shall be resolved by binding arbitration on an individual basis.

The arbitration will be administered by a recognized Canadian arbitration body agreed upon by the parties, in accordance with its rules and procedures for consumer-related disputes. The arbitration will take place in Calgary, Alberta, unless you and the Company agree otherwise.

CLASS ACTION WAIVER: Except for users residing in Quebec, all disputes must be brought in the parties' individual capacity, and not as a plaintiff or class member in any purported class, collective, representative, multiple plaintiff, or similar proceeding ("Class Action"). The parties expressly waive any ability to maintain any Class Action in any forum. The arbitrator shall not have authority to combine or aggregate similar claims or conduct any Class Action nor make an award to any person or entity not a party to the arbitration.

This arbitration provision does not preclude you from bringing issues to the attention of federal, provincial, or municipal agencies. Such agencies can, if the law allows, seek relief against us on your behalf.

Part XI: General Provisions

This section contains standard legal clauses, often referred to as "boilerplate," which are essential for the proper interpretation, functioning, and enforcement of the Agreement.

A. Entire Agreement

This Agreement, including the Privacy Policy and any Additional Terms, constitutes the entire and exclusive understanding and agreement between Your Score Technologies Ltd. and you regarding the Services, and this Agreement supersedes and replaces any and all prior oral or written understandings or agreements between the parties.

B. Severability

If any provision of this Agreement is held to be invalid or unenforceable by a court of competent jurisdiction, that provision will be enforced to the maximum extent permissible and the other provisions of this Agreement will remain in full force and effect.

C. Waiver

The failure of the Company to enforce any right or provision of this Agreement will not be considered a waiver of such right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of Your Score Technologies Ltd.

D. Assignment

You may not assign or transfer this Agreement, by operation of law or otherwise, without the Company's prior written consent. Any attempt by you to assign or transfer this Agreement, without such consent, will be null. The Company may freely assign or transfer this Agreement without restriction.

E. Notices and Contact Information

Any notices or other communications provided by the Company under this Agreement, including those regarding modifications to this Agreement, will be given: (i) via email; or (ii) by posting to the Website. For notices made by e-mail, the date of receipt will be deemed the date on which such notice is transmitted.
For any questions about these Terms, or for any legal notices, please contact us at:
Your Score Technologies Ltd.
160 Quarry Pk Blvd S E Suite 300, Calgary, AB T2C 3G3
support@yourscore.ca
Providing this contact information is a key requirement under consumer protection laws to ensure transparency and accessibility.

F. Language

The parties have expressly requested that this Agreement and all related documents be drawn up in English. Les parties ont expressément demandé que la présente convention et tous les documents s'y rattachant soient rédigés en anglais. For users in Quebec, where required by law, a French version of this Agreement will be made available. Your acceptance of this Agreement constitutes your express agreement to transact in the English language.

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