Terms and Conditions

These Terms and Conditions (“Agreement”) governs the use of the services (“Service”) that are made available by LowLowRates.ca Inc. These Terms and Conditions represent the whole agreement and understanding between LowLowRates.ca Inc. and the individual or entity that uses our service (“Client”).

By submitting your application and by your use of the Service, you agree to comply with all of the terms and conditions set out in this Agreement. LowLowRates.ca Inc. may terminate a Client’s account at any time, with or without notice, for conduct that is in breach of this Agreement, for conduct that LowLowRates.ca Inc. believes is harmful to its business, or for conduct where the use of the Service is harmful to any other party.

Client Services
LowLowRates.ca Inc. presents participating mortgage brokers, lenders, and representatives of financial institution(s), credit union(s), trust company(s), the opportunity to post their rates and incentive offerings in accordance to our policies (Terms and Conditions) on the site for a pay per lead submission through fee during their active registration.

Services are provided on the basis of facility and availability. LowLowRates.ca Inc. reserves the right not to provide one or more Services where necessary facilities are not available, or for any other reason. Client Access to our server is terminated or expired upon inactive participation of the Service after one (1) year from the date the client signs this Client Service Agreement.

Client Incentives
Promotional offers, including special introductory rates, promotional rates, or any non-regular pricing, are only available to new Clients and are only valid for the initial term specified on our written Client Service Agreement.

Client Invoicing
1. All LowLowRates.ca Inc. pay per lead fees and charges for services rendered are billed in CDN Dollars.
2. Net Terms: Client Payment must be received by LowLowRates.ca prior to the next billing cycle.
3. Late payment on any and all outstanding balances will result in a surcharge of 18% per annum.
4. Insufficient Funds (NSF) is subject to a $48.00 processing fee.

Client Payment Options
LowLowRates.ca Inc. offers its Clients a variety of payment options in addition to an automated payment processing system. All Clients are required to maintain valid payment information on file for the processing of any applicable service fees. At its sole discretion, LowLowRates.ca Inc. may use credit card issuer-approved services, such as VISA Account Updater and MasterCard Automatic Billing Updater, to acquire updated payment information for the purpose of processing outstanding payments that are on a Clients account. LowLowRates.ca uses Intuit Online Merchant Services. Intuit Merchant Services does not accept Debit or Interact cards for payment processing.

LowLowRates.ca Inc. also accepts E Transfers, and a valid company cheque for processing a Client payment.

LowLowRates.ca Inc. may take any reasonable action to validate a Client’s payment and registration information, and collect all payments due. The Client agree to pay all attorney and collection fees arising from any efforts to collect any past due amounts owing to LowLowRates.ca. Billing inquiries and disputes should be brought to the attention of LowLowRates.ca Inc. within 30 days of the invoice date. Failure to do so will be deemed to be an admission that the invoice and charges are accurate. If any chargeback or charge dispute notices are received for a Client account, services provided to the Client may be immediately suspended pending investigation, and the Client will be subject to chargeback service charges. Where applicable,

LowLowRates.ca Inc. reserves the right to put a Client’s account on “Registrar Hold” status and deny any transfer requests for that account until the chargeback or dispute issue has been resolved. Accounts suspended in this manner can be re-activated upon payment of an Account Reactivation Fee. Any applications or requests for services will be declined if payment cannot be successfully processed within 72 hours of the order. Account Reactivation fee is $25.00 CDN.

LowLowRates.ca Inc. reserves the right to modify service fees and rates, effective upon posting on LowLowRates.ca or on this Agreement.

Client Responsibility
When a Client applies to use LowLowRates.ca Inc. services, the Client will be asked to select a Username and Password. The Username and Password are the means through which the Client can access certain services. The Client acknowledges and agrees that it is their responsibility to safeguard the Username and Password they select from any unauthorized use. In no event will LowLowRates.ca Inc. be liable for the unauthorized use or misuse of a Client’s Username or Password.
Clients are responsible for maintaining accurate account information at all times. This information can be updated in the client’s account control panel.
1. The Client agrees to provide correct brand and promotion information without being misleading to consumers at all times.
2. The Client will not add any phone numbers, email or URL website addresses into their profile
3. The Client agrees to contact each lead within 24 hours of receiving a valid lead

Client Termination
LowLowRates.ca Inc. may terminate a Client’s account under the following circumstances (non-exclusive list)
1. Non-payment of fees
2. In breach of any term or condition of this Client Service Agreement
3. Service disruptions associated the business operations of LowLowRates.ca Inc or affects on any other party
4. All Client data is removed from LowLowRates.ca Inc. servers for such terminations.

Limitation of Liability
The Service is provided on an “as is” and “as available” basis and the use of the Service is at your own risk. LowLowRates.ca Inc makes no representations or warranties, either expressed or implied, with respect to your brand or the brand service or any service or product information provided through the Service. LowLowRates.ca Inc. is not responsible for any damages, injury or economic loss arising from the use of the content or Service provided by LowLowRates.ca Inc.

In no event will LowLowRates.ca Inc. be held liable to the client for any direct, indirect, incidental or consequential damages or economic loss arising out of the Service or in connection with the client’s brand or any other services or products provided to the client. LowLowRates.ca Inc., its officers, directors, owners, agents and employees shall in no way be held liable to a client or anyone else for any loss or injury resulting from the use of its Service.

In no event shall LowLowRates.ca Inc. be held liable for any damages or economic loss, whatsoever, as a result of notifying any official of potentially illegal content posted on its site or for providing copies of your data files to the appropriate authorities or cooperating with law enforcement efforts to address lawful matters

Indemnification
The Client agrees to indemnify and hold LowLowRates.ca Inc. harmless from and against, and to reimburse LowLowRates.ca Inc. with respect to, any and all losses, damages, liabilities, claims, judgments, settlements, fines, costs and expenses (including reasonable related expenses, legal fees, costs of investigation) of every nature whatsoever incurred by LowLowRates.ca Inc by reason of or arising out of or in connection with: Any breach of this Client Service Agreement by the client.

Force Majeure
LowLowRates.ca Inc. will not be liable for any delay, interruption or failure in the provisioning of services if caused by acts of God, declared or undeclared war, fire, flood, storm, slide, earthquake, power failure, the inability to obtain equipment, supplies or other facilities that are not caused by a failure to pay, labor disputes, or other similar events beyond our control that may prevent or delay service provisioning.

Unenforceable Provisions
If any part of this Client Service Agreement is found to be invalid or unenforceable under applicable law, such part will be ineffective to the extent of such invalid or unenforceable part only, without affecting the remaining parts of this Agreement in any way.

Governing Law
The rights and obligations of the parties pursuant to this Client Service Agreement are governed by, and shall be construed in accordance with, the laws of the province of Ontario and the federal laws of Canada.

The Client may be subject to other local, provincial laws. The Client will hereby irrevocably submit to the exclusive jurisdiction of the Courts of the Province of Ontario for any dispute arising under or relating to this Client Service Agreement and waive your right to institute legal proceedings in any other jurisdiction. We shall be entitled to institute legal proceedings in connection with any matter arising under this Agreement in any jurisdiction where you reside, do business or have assets.

Age of Majority
LowLowRates.ca Inc. does not accept agreements and payments from persons under the legal age of 18 years. By submitting a registration application, the Client confirms that they are over 18 years of age or your parent or legal guardian has agreed to accept this Client Service Agreement on your behalf.

Waiver
No waiver of any of the provisions of this Client Service Agreement will be deemed to constitute a waiver of any other provision nor shall such a waiver constitute a continuing waiver unless otherwise expressly provided in writing duly executed by the party to be bound thereby.

Entire Agreement
This Agreement, as may be updated from time to time and posted at http://www.LowLowRates.ca/terms-and-conditions/, represents the complete agreement and understanding between the Client and LowLowRates.ca with respect to the Service and supersedes any other written or oral agreement.

Organization as a Client: The policies of LowLowRates.ca Inc. are terms and conditions of reason and should be interpreted with reference to the purpose for which they are intended. These terms and conditions define proper conduct of professional discipline and are obligatory without exemption.