1. User acknowledges that the risk of pecuniary injury, loss or damage of any and all types whatsoever occurring in connection with the use or the inability to use this web site and software provided through this website and any and all information contained herein rests solely with the User. Therefore, the User agrees to defend, indemnify and hold The TFA Wise Applications Inc. and it's officers harmless from and against all claims, demands, damages and expenses, including but not limited to court costs, attorneys fees and expenses of suit, arising out of the use by or for the account of User of any information, data or other material contained in this web site.

2. The TFA Wise Applications Inc. websites and offered software are provided on "AS AVAILABLE" and "AS IS" basis. The TFA Wise Applications Inc. makes no representation or warranties, expressed or implied, as to the operation of this site, or the content of this site, or products included on this site. User expressly agrees to use this site at User's sole risk.

3. All content on The TFA Wise Applications Inc. websites including but not limited to logos, text, graphics, digital components, data, code and software is the property of The TFA Wise Applications Inc. and its suppliers and affiliates. It is protected by Canadian and international copyright laws.

4. One or more products offered on The TFA Wise Applications Inc. websites might be protected by the Patent law on the territory of Canada and/or internationally.

5. When you use The TFA Wise Applications Inc. websites you are consenting to communicate with us electronically. You agree that all notices, disclaimers, agreements and other document we provide to you electronically satisfy legal requirement to be in writing.

6. Pricing and availability of products and services offered on The TFA Wise Applications Inc. websites are subject to change without notice and may not be made available in all countries.

7. The User is responsible to protect and maintain the confidentiality of the User ID and password and agrees to accept responsibility for all activities occurred under User's ID and password. The TFA Wise Applications Inc. reserves the right to refuse service or terminate account in its sole discretion.

8. In communication with The TFA Wise Applications Inc. you may not use a false e-mail, or impersonate any person or entity, or otherwise mislead us as per the origin of communication. If the User posts review, provides feedback or otherwise submit material the User agrees, unless stated otherwise in written form by The TFA Wise Applications Inc., to grant The TFA Wise Applications Inc. royalty-free, irrevocable right to use, reproduce and derive works from submitted content to be used worldwide. The TFA Wise Applications Inc. takes no responsibility and assumes no liability for any content posted by the User.

9. While The TFA Wise Applications Inc. uses reasonable efforts to include accurate and up to date information on its websites The TFA Wise Applications Inc. makes no warranties or representations that the information contained on the site is accurate, complete, reliable, current, or error free. The TFA Wise Applications Inc. assumes no liability or responsibility for any errors or omissions in the content of the site.

10. The services, products and information contained on The TFA Wise Applications Inc. websites are not offered as financial advice nor should they be used as such. For all financial problems and conditions the User should consult with a qualified professional.

11. The TFA Wise Applications Inc. websites may provide links to the third parties. The TFA Wise Applications Inc. takes no responsibility and assumes no liability for any content of the third parties sites. The User shall access them at the User's sole risk.

12. By using The TFA Wise Applications Inc. websites and products you agree that the laws of the province of Ontario, Canada shall govern these Terms and any dispute that might arise.

13. The TFA Wise Applications Inc. may at any time revise these Terms by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the current Terms to which you are bound.