1.Terms of Use

Credit Medical Corporation (“CMC”) maintains a web site currently located at (the “Site”) which allows consumers to access information relative to the services offered by CMC, to enter their personal information in order to apply for CMC services, and other related matters (the “Content”). The Site is provided to you subject to your compliance with these terms and conditions of use (“Terms of Use”). By accessing or using the Site you agree to be bound by these Terms of Use. If you do not agree to be bound by these Terms of Use, please do not access or use the Site.

2.Content for General Information Only

The contents of this web site are intended for the exclusive use of Canadian citizens and for general purposes only and are not intended to, nor implied to be, a substitute for informed medical advice by your physician or other health care professional. You should not rely on any information contained herein, suggested or referenced in this site in making personal, medical decisions.

3.No Endorsement by CMC

CMC does not endorse, recommend or favor the products, supplies or services of any medical practitioner, supplier or manufacturer referred to within the Site, or on any site linked to the Site.

4.Electronic Communications

When you visit or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

5.Copyrighted Content

Credit Medical Corporation either owns the intellectual property rights in the underlying HTML, text, audio clips, video clips and other content that is made available to you on our website, or has obtained the permission of the owner of the intellectual property in such content to use the content on our website.


The downloading of Content is done at your own risk. CMC cannot and does not guarantee or warrant that the Site or the Content are compatible with your computer systems or that the Site or the Content will be free of viruses, worms, trojan horses or disabling devices or other code that manifests contaminating or destructive properties. You are responsible for implementing safeguards to protect the security and integrity of your computer system and you are responsible for the entire cost of any service, repairs or connections of and to your computer system which may be necessary as a result of your use of the Site.

7.Disclaimer and Limitation of Liability

The site and the content are provided “as is” without warranty or condition of any kind. Use of the site or the content is at your own risk. CMC does not make any representations, warranties or conditions about the quality, accuracy, reliability, completeness, currency, or timeliness of the site or the content. CMC does not assume any responsibility for any errors, omissions or inaccuracies in the Site or the Content.

To the fullest extent permitted by law, CMC disclaims all warranties, representations and conditions of any kind with respect to the site and the content whether express, implied or collateral, including, without limitation, the implied warranties and conditions of merchantability, fitness for a particular purpose and non-infringement or that the site or the content are or will be error-free or will operate without interruption. In no event will CMC be liable, whether based on warranty, contract, tort, negligence, strict liability or any other legal theory, for any damages or any kind (including, without limitation, direct, indirect, incidental, consequential, special, exemplary, punitive damages, lost profits, loss of use, loss of data, personal injury, fines, fees, penalties or other liabilities), whether or not CMC is advised of the possibility of such damages, resulting from the use of, or the inability to make use of, the site or the content.

8.Communications Not Confidential

CMC does not guarantee the confidentiality of any communications made by you via e-mail or otherwise through the Site. If you wish to provide information of a confidential or sensitive nature to CMC, please contact us directly by telephone.

9.No Unlawful or Prohibited Use

You agree that you will not, without our prior written permission, use the Site and the Content for purposes other than your own personal non-commercial use and benefit. You may not frame the Site or the Content or any part thereof on any commercial or non-commercial internet web site. You acquire absolutely no rights or licences to the Site or the Content other than the limited right to use the Site and the Content in accordance with these Terms of Use. You agree that you will not use the Site for any purpose that is unlawful. Except as expressly provided in these Terms of Use, any reproduction, retransmission, distribution, sale, republication, modification, translation of or creation of derivative works based on the Site or the Content, in whole or in part, and any decompilation disassembly, reverse engineering or other exploitation of the Site, without prior written permission, is strictly prohibited.


All Content, designs, graphics, pictures, illustrations, software, artwork, video, music, sound, names, words, titles, phrases, logos and marks displayed on the Site or in the Content are owned by CMC and are protected by copyright, trade-mark and other intellectual property laws and treaty provision laws.

11.Third Party Sites

The Site may provide links to third party web sites. CMC does not endorse the information contained in those web sites or guarantee their quality, accuracy, reliability, completeness, currency, timeliness, non-infringement, merchantability or fitness for any purpose. The content in any linked web site is not under our control and if you choose to access any such web site, you do so entirely at your own risk.

12.Governing Law

All CMC Sites and Services are controlled, operated and administered by CMC from its offices within Canada. CMC makes no representation or warranty that a CMC Site or any of the Services are appropriate or available for use at any locations outside Canada. If you access a CMC Site from outside Canada, you are responsible for compliance with all applicable laws. You may not export any of the Content accessible through a CMC Site in violation of applicable export laws and regulations. These Terms and Conditions will be interpreted, construed and governed by the laws in force in the Province of Ontario, Canada, without reference to its conflict of laws principles. By accessing the Site or using the Services, you agree to submit to the jurisdiction of the courts of the Province of Ontario and to waive any objections based upon venue. The United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms and Conditions.

13.Copyright And Trade-Mark Notices

© 2014 Credit Medical Corporation.  All rights reserved. No part of the Site or the Content may be reproduced, modified, distributed, sold, published, broadcast, retransmitted or circulated in any form without the prior written consent of CMC , except to the extent that such use is for your personal, non-commercial use (to request such consent, please contact or by mail to 64 Prince Arthur Avenue,  Toronto, ON  M5R 1B4. All copies must include this copyright notice.

14.Modifications to the Terms of Use

CMC reserves the right to change these Terms of Use at any time and your continued access to or use of the Site after such changes indicates your acceptance of these Terms of Use as modified. It is your responsibility to review these Terms of Use regularly.

15.More Information

For more information about the terms and conditions of use, or to request permission to reproduce or distribute material on this site, please contact, or by mail to 64 Prince Arthur Avenue,  Toronto, ON  M5R 1B4.

Any rights not expressly granted herein are reserved.

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