Last updated: May 19, 2022

PLEASE READ THE TERMS AND CONDITIONS BEFORE USING THE SITE

The following general terms and conditions govern and apply to your use of or recourse to the site maintained by Gestion AV3 inc., also operating under the name Prêt sans dû (the "site").

By accessing or browsing this website, you acknowledge that you have read and understood these terms and conditions and agree to be bound by them. Please note that we may modify these terms and conditions at any time without prior notice. Your continued use of the website will be considered your acceptance of the revised terms and conditions.

1. INTELLECTUAL PROPERTY

All intellectual property on this site is owned by us or our licensors and includes all elements protected by copyright, trademark, or patent. All trademarks are owned, registered, and/or licensed by us. All content on this site, including but not limited to text, software, code, design, graphics, photos, sounds, music, videos, applications, interactive features, and all other content, is a collective work under Canadian or other copyright law and is the property of Gestion AV3 Inc., also operating as Prêt sans dû.

All rights reserved.

2. USE OF COMPANY CONTENT

We may provide you with certain information as a result of your use of the site, including, but not limited to, documents, data, or information developed by us, or any other material that may assist you in using the site or services (the "Company Content"). The Company Content may not be used for any purpose other than the use of the site and the services offered on the site. Nothing herein shall be construed as granting you a license or intellectual property rights.

3. PAYMENT

When you make a purchase on the site, you agree to provide a valid payment method. Pay close attention to the transaction details, as the total price may include taxes, fees, and shipping costs for which you are responsible. When you provide us with a payment method, you represent that you have permission to use that payment method. When you make a payment, you authorize us and the payment service we use to charge the total amount to the payment method you have designated for the transaction. You also authorize us to collect and store that payment method and any other information related to the transaction. If you pay by debit or credit card, we may obtain pre-authorization from the card issuer for an amount up to the total transaction amount. If you choose to cancel a transaction before it is completed, the funds used for pre-authorization may not be immediately available in your account. We reserve the right to cancel any transaction if we believe it violates these Terms of Service or if we believe that doing so will prevent financial loss. To prevent financial loss, we may contact your payment provider, law enforcement, or any affected third party (including other users) and may share details of any payment you are associated with if we believe such action will prevent financial loss or a violation of the law.

4. SALE OF PRODUCTS AND/OR SERVICES

We may sell goods or services. We strive to be as accurate as possible with all information about goods and services, including product descriptions and images. However, we do not guarantee the accuracy or reliability of any product information, and you acknowledge and agree that purchasing such products is at your own risk.

If you are not satisfied with a service sold to you on our site, you can proceed as follows:

No refunds possible.

5. ACCEPTABLE USE OF THE SITE

You agree not to use the site for any unlawful purpose or any other purpose prohibited under this clause. You agree not to use the site in any way that could harm the site, services, or business of Gestion AV3 Inc., also operating as Prêt sans Délay. You also agree not to use the site for the following purposes:

a) harass, abuse or threaten others or otherwise violate the rights of a person;

b) violate the intellectual property of Gestion AV3 inc., also operating under the name Prêt sans dès lendemain or any other third party;

c) download or transmit computer viruses or any other software that could damage the property of Gestion AV3 inc., also operating under the name Prêt sans dû or others;

d) commit fraud;

(e) create or participate in illegal gambling, lottery or pyramid scheme activities;

(f) publish or distribute obscene or defamatory material;

(g) publish or distribute any material that incites violence, hatred, or discrimination against any group; and/or

h) unlawfully collecting information about others.

6. PRIVACY PROTECTION

By using our site, you may provide us with certain information. By using the site, you authorize us to use your information in Canada and in any country in which we may operate.

We may receive information from external applications you use to access our site, or we may receive information about you through various web technologies such as cookies, browsing history, web beacons (also known as "clear GIFs"), tags, and others. We use the information collected from you to ensure you have a good experience on the site. We may also track certain passive information received to improve our marketing and analytics, and to do this, we may work with third-party providers, including other merchants. If you wish to block our access to any passive information we receive through the use of various technologies, you can choose to disable cookies in your web browser.

7. DISCLAIMER Our site exists for communication purposes only. You acknowledge and agree that any information published on our site is not intended to be legal, medical, or financial advice, and no fiduciary relationship has been created between you and AV3 Management Inc., also operating as Prêt sans Délay. You also agree that your purchase of services on the site is at your own risk. We are not liable in any way for advice or any other information conveyed on the site.

8. REVERSE ENGINEERING AND SAFETY

You may not undertake any of the following actions:

a) reverse engineer or disassemble any code or software on or from this site;

b) violate or attempt to violate the security of the site by any unauthorized access, circumvention of encryption or any other security tool, data exploitation or interference with any host, user or network.

9. INDEMNIFICATION You agree to defend, indemnify, and hold harmless AV3 Management Inc., also operating as Prêt sans Délay, and its affiliated companies from and against any and all claims, suits, or demands, including attorneys' fees, arising out of or relating to your use or misuse of the site, your breach of these terms, or your conduct and actions. If we choose to do so, we will select our own counsel and participate in our own defense.

10. SPAM POLICY

You are strictly prohibited from using the site or any service offered on the site for illegal activities related to spam, including collecting addresses and personal information of others or sending mass commercial emails.

11. THIRD-PARTY LINKS AND CONTENT

We may publish links to third-party websites or services. We are not responsible for any damages or losses related to the use of third-party services linked to from our site.

12. INDEPENDENCE OF CLAUSES

If any of these clauses is found to be illegal, declared void or unenforceable, in whole or in part, the unenforceable portion will not affect the validity and enforceability of the other clauses of these terms of use.

13. SERVICE INTERRUPTIONS We may need to interrupt your access to the site to perform maintenance or unplanned emergency work. You agree that your access to the site may be affected by unplanned or unanticipated downtime for any reason, and that we will not be liable for any damages or losses arising from such downtime.

14. NO WARRANTY While we have made reasonable efforts to ensure the accuracy of the content on this site, we cannot guarantee that said content is error-free, up-to-date, or complete. Under no circumstances will we be liable for any damages that may arise from any error found on the site.

We assume no responsibility for any damages arising from the misuse of the site's content. We also cannot guarantee that the site will be available without interruption, error, or omission, nor that defects will be corrected. Furthermore, we cannot guarantee that the site and the servers that make it available are free of viruses or other harmful components. The site and its content are provided "as is" and "as available" without any representation, warranty, or condition of any kind, express or implied.

If you decide to subscribe to any site services or features that require a subscription, you agree to provide accurate and current information about yourself as required by the relevant registration or subscription process, and to ensure its accuracy by making any necessary updates as soon as possible. You agree to maintain the confidentiality of all passwords or other account identifiers that you choose or that are assigned to you upon registration or subscription with Gestion AV3 inc., also operating as Prêt sans dû or its partners, and to assume responsibility for all activities related to the use of such passwords or accounts. Furthermore, you agree to notify us immediately of any unauthorized use of your password or member account. We cannot be held liable, directly or indirectly, for any loss or damage of any kind arising from or related to your failure to comply with this provision.

You acknowledge that we may, at our sole and absolute discretion and without prior notice, suspend, cancel, or terminate your account, your use of or access to the Site or any of its services, and remove and delete any information or content relating to the Site or any of the services offered (and terminate your use thereof), for any reason whatsoever, including if we believe you have violated these Terms. Furthermore, you acknowledge that we will not be liable to you or anyone else as a result of any such suspension, cancellation, or termination. If you are dissatisfied with Gestion AV3 Inc., also operating as Prêt sans dû, or any of its services, or with any of these Terms, rules, policies, guidelines, or our practices relating to the operation of Gestion AV3 Inc., also operating as Prêt sans dû, or any of its services, your sole remedy is to discontinue using the Site or service in question.

15. CONFIDENTIALITY

Internet communications are subject to interception, loss or alteration; therefore, you acknowledge that any information or materials you provide electronically by accessing or using this site are neither confidential nor proprietary, except to the extent required by applicable law, and that unprotected email communications over the Internet may be intercepted, altered or lost.

For more information, please consult our Privacy Policy at the following address: http://www.pretsansdelai.ca/confidentialite

16. LIMITATION OF LIABILITY We are not liable for any damages you may incur arising from your use of the site, to the fullest extent permitted by law. The maximum liability of Gestion AV3 inc., also operating as Prêt sans durée, arising from your use of the site is limited to one hundred (100) Canadian dollars or the amount paid to Gestion AV3 inc., also operating as Prêt sans durée, within the last six months, whichever is greater. This applies to any claim including, but not limited to, lost profits or revenue, indirect or punitive damages, negligence, civil liability, or fraud of any kind.

17. QUESTIONS AND ADDITIONAL INFORMATION For any questions or to obtain further information, please contact us at the following address: info@pretsansdelai.ca