Welcome to the website of the Canadian Observatory on De-banking Abuse (“COODA”, “we”, “us”, “our”) — accessible via cooda.ca (the “Website”). By accessing or using the Website, you agree to these Terms of Service (“Terms”). If you do not accept these Terms, please do not use the Website.

2.1. The Website provides information, advocacy resources, reports and commentary on banking access, de-banking, de-risking and related issues.
2.2. You may browse, read, download and print content from the Website for your personal, non-commercial use, provided you keep intact all copyright, trademark and other proprietary notices.
2.3. You may not reproduce, republish, transmit, distribute or otherwise use the Website content for commercial purposes without our prior written consent.

3.1. If you subscribe for updates (e.g., by email), you agree to receive communications from us.
3.2. You may unsubscribe at any time by following the instructions in the email or contacting us.

4.1. Unless otherwise stated, this Website does not provide for user-uploading or submission of content.
4.2. If you do submit any content, you grant COODA a non-exclusive, royalty-free, worldwide licence to use, reproduce and adapt such content for the Website and its advocacy purposes.

5.1. The Website may contain links to third-party websites or resources. We do not control those external sites and make no representations about their content. Use those links at your own risk.
5.2. The inclusion of a link does not imply endorsement by COODA of the linked site.

6.1. The information on this Website is for general informational purposes only. It does not constitute legal, financial, tax, investment or other professional advice.
6.2. If you require advice for a specific situation, consult an appropriate professional.

7.1. While we endeavour to ensure the accuracy of information, COODA makes no warranties or representations as to the completeness, reliability or suitability of the information.
7.2. To the extent permitted by law, COODA and its directors, officers, employees and affiliates shall not be liable for any direct, indirect, incidental, consequential or punitive damages arising out of your access to or use of the Website or reliance on any information provided.

8.1. The Website, the COODA name and logo, and all materials therein are protected by copyright, trademark and other intellectual property rights.
8.2. No part of the Website may be reproduced or distributed in any form or by any means without prior written permission from COODA, except as permitted in Section 2.
8.3. Requests for permission to use any materials from this Website should be directed to [email protected]

9.1. These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein.
9.2. Any dispute arising out of or related to these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of Ontario, Canada.

10.1. We may revise these Terms at any time without prior notice by posting an updated version on this Website.
10.2. Your continued use of the Website after such posting constitutes acceptance of the revised Terms.

 If you have questions or requests about these Terms, please contact us at [email protected]