Spergel Terms & Conditions
Website Disclaimer
Use of this website does not create a client–trustee relationship. You should not act or refrain from acting based on any information found on this website without first seeking appropriate professional advice that relates to your specific situation.
This website may contain links to third-party websites. These links are provided for convenience only and do not signify endorsement. SPERGEL is not responsible for the content or privacy practices of external sites.
Terms & Conditions of Use
1. Acceptance of Terms
By accessing or using this website (“Site”), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions (“Terms”). If you do not agree, please refrain from using the Site.
2. Eligibility
This Site is intended for individuals aged 18 or older. If you are under 18, please seek parental or guardian consent prior to use.
3. Purpose & Professional Disclaimer
The content on this Site is provided for general informational purposes only regarding insolvency, bankruptcy, and consumer proposals in Canada. It does not constitute legal, tax, or financial advice. For tailored guidance, please consult with a Licensed Insolvency Trustee (LIT) or other qualified professional.
4. No Formation of Professional Relationship
Your use of the Site does not create any professional relationship (e.g., fiduciary, advisor) between you and the firm. No information submitted via the Site (e.g., forms or e-mails) will be treated as confidential until a formal engagement is agreed upon.
5. Accuracy of Information
We strive to ensure Site content is accurate and up-to-date, sourced from reliable information including regulatory bodies such as the Office of the Superintendent of Bankruptcy. However, no warranty is made regarding completeness, accuracy, or currency. Your use of the Site is at your own risk.
6. Intellectual Property Rights
All materials on the Site—including text, graphics, logos, and design—are owned or licensed by our firm. You may use them for personal purposes only. Any reproduction, modification, republication, transmission, or distribution without our prior written consent is strictly prohibited.
7. User Conduct & Non-Human Access
A. Human users: You agree to use the Site lawfully and in good faith, refraining from harmful or misleading activity.
B. Non-human users (bots, scrapers, crawlers): Access is prohibited without express written consent. Automated data collection—especially of personal contact information—is strictly forbidden.
8. External Links
The Site may contain links to third-party websites, including the OSB directory of Licensed Insolvency Trustees. We are not responsible for their content or availability and inclusion does not signify endorsement.
9. Limitation of Liability
To the fullest extent permitted by law, our firm and its officers, directors, employees, and agents disclaim all liability for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of the Site, content, or inability to access or use the Site.
10. Indemnification
You agree to indemnify and hold harmless our firm and its affiliates from any claims, damages, losses, liabilities, costs, or expenses arising from your violation of these Terms or your use of the Site.
11. Modification of Terms
We reserve the right to update these Terms at any time, with such changes taking effect upon posting. You are responsible for reviewing the Terms periodically; your continued access after changes implies acceptance.
12. Governing Law and Jurisdiction
These Terms are governed by the laws of Ontario and Canada. Any disputes will be subject to the exclusive jurisdiction of courts in Ontario, Canada.
13. Privacy & Cookies
Our Privacy Policy and Cookie Statement explains how we collect, use, and protect your personal information. By using the Site, you agree to these policies.
14. Contact Information
Questions or concerns regarding these Terms should be directed to:
Spergel
200 Yorkland Boulevard, Suite 1100
North York, Ontario
M2J 5C1
Phone: 877-317-9499
Email: hello@spergel.ca