TERMS OF USE

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TERMS OF USE

Last revision: January 29, 2021

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS
WEBSITE.

The following Terms and Conditions govern and apply to your use of or reliance upon
this website maintained by ICAP (the "Website").

Your access or use of the Website indicates that you have read, understand and agree
to be bound by these Terms and Conditions and any other applicable laws, statutes
and/or regulations. We may change these Terms and Conditions at any time without
notice, effective upon its posting to the Website. Your continued use of the Website will
be considered your acceptance to the revised Terms and Conditions.

1. INTELLECTUAL PROPERTY

All intellectual property on the Website (except for User Generated Content, as defined
below) is owned by us or our licencors, which includes materials protected by copyright,
trademark, or patent laws. All trademarks, service marks and trade names are owned,
registered and/or licensed by us. All content on the Website (except for User Generated
Content, as defined below), including but not limited to text, software, code, designs,
graphics, photos, sounds, music, videos, applications, interactive features and all other
content is a collective work under Canadian and other copyright laws and is the
proprietary property of the Company; All rights reserved.

2. USE OF COMPANY MATERIALS

We may provide you with certain information as a result of your use of the Website
including, but not limited to, documentation, data, or information developed by us, and
other materials which may assist in the use of the Website or Services ("Company
Materials"). The Company Materials may not be used for any other purpose than the use
of this Website and the services offered on the Website. Nothing in these Terms of Use
may be interpreted as granting any licence of intellectual property rights to you.

3. USER GENERATED CONTENT

"User Generated Content" is communications, materials, information, data, opinions,
photos, profiles, messages, notes, website links, text information, music, videos,
designs, graphics, sounds, and any other content that you and/or other Website users
post or otherwise make available on or through the Website, except to the extent the
content is owned by us.

4. ACCOUNT AND ACCOUNT USE

If your use of the Website requires an account identifying you as a user of the Website
(an "Account"):

a) you are solely responsible for your Account and the maintenance, confidentiality
and security of your Account and all passwords related to your Account, and any
and all activities that occur under your Account, including all activities of any
persons who gain access to your Account with or without your permission;
b) you agree to immediately notify us of any unauthorized use of your Account, any
service provided through your Account or any password related to your Account, or
any other breach of security with respect to your Account or any service provided
through it, and you agree to provide assistance to us, as requested, to stop or
remedy any breach of security related to your Account, and
c) you agree to provide true, current, accurate and complete customer information
as requested by us from time to time and you agree to promptly notify us of any
changes to this information as required to keep such information held by us current,
complete and accurate.

5. PAYMENT

When you make a purchase on the Website, you agree to provide a valid instrument to
make a payment. Pay attention to the details of the transaction, as your total price may
include taxes, fees, and shipping costs, all of which you are responsible for.
When you provide a payment instrument to us, you confirm that you are permitted to use
that payment instrument. When you make a payment, you authorize us (and our
designated payment processor) to charge the full amount of the payment instrument you
designate for the transaction. You also authorize us to collect and store that funding
instrument, along with other related transaction information.
If you pay by credit or debit card, we may obtain a preapproval from the issuer of the
card for an amount as high as the full price. If you cancel a transaction before
completion, this pre-approval may result in those funds not otherwise being immediately
available to you.

We may cancel any transaction if we believe the transaction violates these Terms, or if
we believe in doing so may prevent financial loss.

In order to prevent financial loss to you or to us, we may contact your funding instrument
issuer, law enforcement, or affected third parties (including other users) and share
details of any payments you are associated with, if we believe doing so may prevent
financial loss or a violation of law.

6. SALE OF GOODS AND SERVICES

We may sell goods or services or allow third parties to sell goods or services on the
Website. We undertake to be as accurate as possible with all information regarding the
goods and services, including product descriptions and images. However, we do not
guarantee the accuracy or reliability of any product information and you acknowledge
and agree that you purchase such products at your own risk.

7. SHIPPING/DELIVERY/RETURN POLICY

You will ensure payment for any items you purchase from us. Prices indicated on the
Website are subject to change. We reserve the right to reject or cancel an order for any
reason, including errors or omissions in the information you provide to us. If we do so
after payment has been processed, we will issue a refund to you in the amount of the
purchase price. We may also request additional information from you prior to confirming
a sale, and we reserve the right to place any additional restrictions on the sale of any of
our products. For the sale of digital products, we will charge your credit or debit card
when the product is made available to you for digital use and/or download.

For any questions, concerns, or disputes, you agree to contact us in a timely manner at
the following:

#37 - 1199 Lynn Valley Road
North Vancouver, British Columbia.
V7J 3H2, Canada

If you are unhappy with anything you have purchased on our Website, you may do the
following:

Please send an email to info@icapprofessionals.com.

8. ACCEPTABLE USE

You agree not to use the Website for any unlawful purpose, or any purpose prohibited
under this clause. You agree not to use the Website in any way that could damage the

Website, the services or the general business of ICAP.

You further agree not to use and/or access the Website:

a) To harass, abuse, or threaten others or otherwise violate any person's legal
rights;

b) To violate any intellectual property rights of us or any third party;

c) To upload or otherwise disseminate any computer viruses or other software that
may damage the property of another;

d) To perpetrate any fraud;

e) To engage in or create any unlawful gambling, sweepstakes, or pyramid scheme;

f) To publish or distribute any obscene or defamatory material;

g) To publish or distribute any material that incites violence, hate or discrimination
towards any group;

h) To unlawfully gather information about others.

9. PROTECTION OF PRIVACY

Through your use of the Website, you may provide us with certain information. By using
the Website, you authorize us to use your information in Canada and any other country
where We may operate.

When you register for an account, you provide us with a valid email address and may
provide us with additional information, such as your name and/or billing information.
Depending on how you use our Website, we may also receive information from external
applications you use to access our Website, or we may receive information through
various web technologies, such as cookies, log files, clear gifs, web beacons or others.
We use the information gathered from you to ensure your continued good experience on
our website, including through email communication. We may also track certain of the
passive information received to improve our marketing and analytics, and for this, we
may work with third-party providers.

If you would like to disable our access to any passive information we receive from the
use of various technologies, you may choose to disable cookies in your web browser.
Please be aware that we will still receive information about you that you have provided,
such as your email address.

10. ASSUMPTION OF RISK

The Website is provided for communication purposes only. You acknowledge and agree
that any information posted on our Website is not intended to be legal advice, medical
advice, or financial advice, and no fiduciary relationship has been created between you
ICAP. You further agree that your purchase of any of the products on the Website is at
your own risk. We do not assume responsibility or liability for any advice or other
information given on the Website.

11. REVERSE ENGINEERING & SECURITY

You may not undertake any of the following actions:

a) Reverse engineer, or attempt to reverse engineer or disassemble any code or
software from or on the Website;
b) Violate the security of the Website through any unauthorized access, circumvention of
encryption or other security tools, data mining or interference to any host, user or
network.

12. DATA LOSS

We are not responsible for the security of your Account or Content. Your use of the
Website is at your own risk.

13. INDEMNIFICATION

You defend and indemnify ICAP and any of its affiliates and hold us harmless against
any and all legal claims and demands, including reasonable attorney's fees, which may
arise from or relate to your use or misuse of the Website, your breach of these Terms
and Conditions, or your conduct or actions. We will select our own legal counsel and
may participate in our own defense, if we wish to so.

14. SPAM POLICY

You are strictly prohibited from using the Website or any of our services for illegal spam
activities, including gathering email addresses and personal information from others or
sending any mass commercial emails.

15. THIRD-PARTY LINKS & CONTENT

We may occasionally post links to third party websites or other services. We are not
responsible or liable for any loss or damage caused as a result of your use of any third
party services linked to from our Website.

16. VARIATION

To the extent any part or sub-part of these Terms and Conditions is held ineffective or
invalid by any court of law, the prior, effective version of these Terms and Conditions be
considered enforceable and valid to the fullest extent.

17. SERVICE INTERRUPTIONS

We may need to interrupt your access to the Website to perform maintenance or
emergency services on a scheduled or unscheduled basis. You agree that your access
to the Website may be affected by unanticipated or unscheduled downtime, for any
reason, but that the we will have no liability for any damage or loss caused as a result of
such downtime.

18. TERMINATION OF ACCOUNT

We may, in our sole discretion, suspend, restrict or terminate your Account and your use
of the Website, effective at any time, without notice to you, for any reason, including
because the operation or efficiency of the Website or our or any third party's equipment
or network is impaired by your use of the Website, any amount is past due from you to
us, we have received a third party complaint which relates to your use or misuse of the
Website, or you have been or are in breach of any term or condition of these Terms and
Conditions. We will have no responsibility to notify any third party, including any thirdparty
providers of services, merchandise or information, of any suspension, restriction or
termination of your access to the Website.

19. NO WARRANTIES

Your use of the Website is at your sole and exclusive risk and any services provided by
us are on an "as is" basis. We disclaim any and all express or implied warranties of any
kind, including, but not limited to the implied warranty of fitness for a particular purpose
and the implied warranty of merchantability. We make no warranties that the Website
will meet your needs or that the Website will be uninterrupted, error-free, or secure. We
also make no warranties as to the reliability or accuracy of any information on the
Website or obtained through the Services. Any damage that may occur to you, through
your computer system, or as a result of loss of your data from your use of the Website is
your sole responsibility and we are not liable for any such damage or loss.

20. PRIVACY

In addition to these Terms and Conditions, this Website has a Privacy Policy that
describes how your personal data is collected and how cookies are used on the
Website. For more information, you may refer to our Privacy Policy, which you may find
at the following address:
By using or browsing this Website, you also acknowledge that you have read our
Privacy Policy.

21. LIMITATION ON LIABILITY

We are not liable for any damages that may occur to you as a result of your use of the
Website, to the fullest extent permitted by law. The maximum liability of ICAP arising
from your use of the Website is limited to one hundred ($100) Canadian Dollars or the
amount you paid to ICAP in the last six (6) months. This applies to any and all claims by
you, including, but not limited to, lost profits or revenues, consequential or punitive
damages, negligence, strict liability, fraud, or torts of any kind.