Terms of use for Lascurient industrial finance content

Acceptance of terms

By accessing or using lascurient.sbs, you agree to be bound by these Terms and Conditions, together with any documents they reference, as they apply to your use of our industrial finance content. If you do not agree with any part of these terms, you should not use the site. We may update the terms from time to time, and your continued use after changes take effect will signify your acceptance of the revised version. You are responsible for reviewing this page periodically to stay informed about the current terms governing your use.

Key definitions

To help avoid ambiguity, this section explains how certain words are used in these Terms and Conditions. These definitions apply wherever the terms appear with an initial capital letter, unless the context clearly requires a different meaning. If a term is not defined here, it should be interpreted in line with its ordinary meaning under applicable Canadian law and in the context of industrial finance information services.

“Site” refers to the lascurient.sbs website and any sub pages or content made available under that Lascurient that link to these Terms and Conditions. It includes text, images, graphics, downloadable materials, and any tools or features we provide for browsing, reading, or interacting with our industrial finance content. References to using the site include accessing, viewing, or otherwise engaging with any part of this material, whether on a desktop, mobile device, or other platform we support.

“Content” means all information, text, graphics, images, diagrams, examples, scenarios, and other materials published on or made available through the site. This includes both material we create and material we lawfully use under licence or with permission from third parties. Content may be updated, corrected, or removed at any time without notice, and is provided for general informational purposes related to industrial finance topics, not as tailored advice.

“User”, “you”, and “your” refer to any person or organisation that accesses or uses the site in any manner, whether as a casual visitor, a regular reader, or someone who contacts us through available forms. Where an individual accesses the site on behalf of an organisation, that individual confirms they are authorised to accept these Terms and Conditions on the organisation’s behalf, and that the organisation will be responsible for that use.

“We”, “us”, and “our” refer to the operators of lascurient.sbs who publish and maintain the site. This includes any affiliates, representatives, or service providers acting on our behalf in connection with hosting, maintaining, or improving the site. References to our responsibilities under these Terms and Conditions are limited to the roles we actually perform and do not extend to independent third parties or external websites we may reference.

Use of the site

You may use the site only for lawful purposes and in accordance with these Terms and Conditions. Access is provided on an “as is” and “as available” basis, and we may suspend, withdraw, or restrict access to all or part of the site at any time for operational, security, or legal reasons. We do not promise that the site will be available at all times, free from errors, or compatible with every device. You are responsible for ensuring that your use of the site is appropriate for your needs and for any consequences that arise from relying on its content without suitable professional input.

Eligibility to use the site

The site is intended primarily for organisational and professional users who are interested in industrial finance questions over a medium to long term horizon. By using the site, you confirm that you have the legal capacity to enter into binding agreements in your jurisdiction and that you will comply with any local laws that apply to you. If you access the site on behalf of an organisation, you represent that you are authorised to do so and that your organisation accepts these Terms and Conditions. Where local rules restrict access to certain types of content, you are responsible for ensuring that your use of the site is permitted.

If you do not have the legal capacity to accept these terms, or if applicable law prohibits your use of the site, you must stop using lascurient.sbs and, where relevant, seek guidance from a qualified adviser or guardian.

Your responsibilities

Your use of lascurient.sbs carries certain responsibilities, both to us and to other visitors. These responsibilities help maintain a respectful environment where industrial finance topics can be explored without confusion or misuse. They also recognise that, while we provide general information, you remain in control of your own decisions and how you apply any ideas encountered here.

You are responsible for ensuring that any equipment, software, or internet connection you use to access the site is compatible and secure. This includes maintaining appropriate antivirus protection, keeping your devices updated, and taking reasonable steps to prevent unauthorised access to any information you obtain from the site. We are not responsible for any failure or inability to access the site resulting from your equipment, configuration, or connectivity.

You are responsible for evaluating whether and how to act on any information found on the site. The content is general in nature and may not be suitable for your specific situation. Before making decisions that could affect your organisation’s finances, operations, or legal position, you should seek independent professional advice. Results may vary, and past performance does not guarantee future results, so you should not rely on any example or scenario as a forecast or assurance.

If you choose to share personal data, documents, or other material with us through the site, you are responsible for ensuring that you have the right to do so and that the information is accurate and lawful. You should avoid including unnecessary sensitive personal data, such as health information or identifiers, unless explicitly requested and justified. You also remain responsible for keeping your own records of any important communications, rather than relying solely on the site as a storage location.

If you become aware of any security issue, misuse of the site, or potential breach of these Terms and Conditions, you are encouraged to notify us promptly using the contact details on the site. Providing timely information can help protect both you and other users. While we cannot guarantee particular outcomes, we will review credible reports and take reasonable steps to address confirmed issues in line with our policies and applicable law.

Prohibited uses

To keep lascurient.sbs useful and respectful for all visitors, certain types of behaviour are not allowed. These restrictions help protect the integrity of our industrial finance content, the security of the site, and the rights of other users and third parties.

You must not use the site for any unlawful purpose, including violating any applicable federal, provincial, territorial, or local law or regulation in Canada or elsewhere. This includes, without limitation, attempting to access content or areas of the site that you are not authorised to use, probing or testing the vulnerability of our systems without permission, or engaging in any activity that could damage, disable, or impair the proper functioning of the site or interfere with another user’s experience.

You must not use the site to upload, transmit, or distribute any material that is defamatory, offensive, abusive, discriminatory, or otherwise harmful. This includes content that infringes intellectual property rights, privacy rights, or other legal protections belonging to us or to third parties. You are responsible for ensuring that any material you share through forms or communications is lawful, appropriate, and does not contain sensitive personal data unless it is strictly necessary and you have the right to share it.

You must not use automated tools, scripts, bots, or scraping technologies to access, collect, or copy substantial portions of the site or its content without our prior written consent. Limited indexing by general purpose search engines in accordance with standard protocols is permitted, but any attempt to harvest data, replicate the site, or systematically download content for unrelated use is prohibited.

You must not misrepresent your identity, impersonate any person or organisation, or falsely state or imply an affiliation with us or with any other entity while using the site. This includes using the site to send misleading communications, to solicit others under false pretences, or to suggest that we endorse views, products, or services that we do not in fact endorse.

You must not use the site in any manner that could reasonably be expected to bring our reputation into unjustified disrepute, including by associating our content with misleading claims, inappropriate marketing, or unlawful activities. You may link to publicly accessible pages in a fair and honest way, but you must not frame the site, present content as your own, or create the impression that you are acting on our behalf without express permission.

Intellectual property

Unless otherwise stated, all content on the site, including text, images, graphics, logos, and layout, is owned by us or used under licence and is protected by copyright and other intellectual property laws. You may view, download, or print reasonable portions of the content for your personal or internal organisational use, provided you do not remove notices, modify materials in a misleading way, or represent our work as your own. Any broader use, such as copying substantial portions, redistributing content, or creating derivative works for commercial purposes, requires our prior written permission or the permission of the relevant rights holder.

User content

If the site allows you to submit, upload, or otherwise share content, such as messages, comments, or documents, you remain the owner of your own material, but you grant us a non exclusive, worldwide, royalty free licence to use, store, reproduce, and, where appropriate, adapt that content for the purpose of operating the site, responding to your requests, and improving our services. You are responsible for ensuring that any content you provide does not infringe the rights of others, is lawful, and is appropriate for a professional context focused on industrial finance.

Our rights regarding user content

We may remove, edit, or decline to display any user content that we reasonably consider to breach these Terms and Conditions, applicable law, or the rights of third parties. We are not obliged to monitor all user content, but we may review material as needed to maintain the quality and safety of the site. If you believe that content on the site infringes your rights, you should contact us with sufficient detail so we can investigate and, where appropriate, take action.

Privacy and data protection

We handle personal data in line with our Privacy Policy, which explains what information we collect, how we use it, how long we keep it, and which rights you may exercise under Canadian privacy laws and other applicable regulations. By using the site, you acknowledge that your personal data will be processed as described there. We aim to collect only the information needed to operate and improve the site, to store it securely, and to explain our practices in clear language that you can revisit over time.

Read our Privacy Policy

Important disclaimers

The site provides general information and thought experiments about industrial finance topics. It does not take into account your specific objectives, financial situation, operational context, or regulatory environment. Nothing on the site should be interpreted as a personal recommendation, professional opinion, or offer of services. You remain responsible for obtaining appropriate financial, legal, tax, accounting, or technical advice before acting on any information found here. Results may vary, and past performance does not guarantee future results. Please read our separate Disclaimer for more detailed statements about the limitations of our content and your responsibilities.

Use with care

Information on this site is general in nature and should not be relied on as the sole basis for important decisions. You should obtain appropriate professional advice and consider your own circumstances before acting on any content from lascurient.sbs. Results may vary, and past performance does not guarantee future results.

Limitations of liability

Because the site provides general information rather than tailored advice, we limit our responsibility for how that information is used. To the fullest extent permitted by applicable law, we are not liable for indirect, incidental, consequential, special, or punitive damages, or for loss of profit, revenue, opportunity, data, or goodwill, arising out of or in connection with your use of the site. Our total liability for any direct loss that cannot lawfully be excluded will be limited to the smallest amount permitted under applicable Canadian law. Nothing in these terms excludes or limits any liability that cannot be excluded or limited by law, including certain consumer rights, and your statutory protections remain in place.

Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless the operators of lascurient.sbs, and their representatives, from and against any claims, losses, damages, liabilities, costs, and expenses arising out of or in connection with your use of the site, your breach of these Terms and Conditions, or your violation of any rights of a third party. This obligation is intended to allocate responsibility fairly where your own actions or omissions contribute to harm. It does not require you to indemnify us for matters that result solely from our own intentional misconduct or from obligations we cannot lawfully disclaim.

Dispute resolution

If a disagreement arises between you and us in connection with these Terms and Conditions or your use of the site, we encourage you to contact us first so we can attempt to resolve the matter informally. Many concerns can be addressed through clarification, correction, or explanation. If informal efforts do not resolve the issue, the dispute may be handled through the courts or, where agreed and lawful, through an alternative process such as mediation or arbitration, as outlined in these terms.

Alternative dispute resolution

Where permitted by applicable law, the parties may agree to submit certain disputes arising out of or relating to these Terms and Conditions, or your use of lascurient.sbs, to a structured negotiation or alternative dispute resolution process, such as mediation or arbitration, before commencing court proceedings. Any such process would take place in a mutually agreed location and follow rules set out in a separate agreement or reference. Participation in alternative dispute resolution does not limit any non excludable rights you may have under Canadian law, but it may provide a calmer, more focused setting to resolve issues.

Nothing in this section requires you to waive rights that cannot lawfully be waived or to participate in any particular form of dispute resolution. Where arbitration or mediation is used, it will be subject to a written agreement that clarifies scope, procedure, and any costs, consistent with applicable Canadian legislation.

Online dispute resolution

If you are based in a jurisdiction that offers an online dispute resolution platform or similar mechanism for consumer or user disputes, you may have the option to use that platform to seek a resolution. Availability and suitability of such tools depend on your location and the nature of the dispute. Using any online dispute resolution service does not affect your right to bring a claim before the competent courts, as described in these terms, nor does it guarantee a particular outcome.

Read our Disclaimer for more context

Severability

If any provision of these Terms and Conditions is held by a court or other competent authority to be invalid, unlawful, or unenforceable, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions will continue in full force and effect. Where necessary, the invalid term will be replaced with a valid term that most closely reflects the original intent, consistent with applicable law, so that the overall balance of rights and responsibilities remains as intended.

Entire agreement

These Terms and Conditions, together with any other documents expressly referenced here, such as our Privacy Policy, Cookie Policy, and Disclaimer, form the entire agreement between you and us regarding your use of lascurient.sbs. They replace any prior understandings, discussions, or representations about the site, whether written or oral, to the extent permitted by law. If additional terms apply to specific features or engagements, those terms will be presented separately and will prevail over these terms to the extent of any direct conflict, while the remainder of these terms will continue to apply.

Applicable law

These Terms and Conditions, and any dispute or claim arising out of or in connection with them or your use of lascurient.sbs, are governed by the laws in force in the relevant Canadian jurisdiction identified in our policies, without giving effect to conflict of law rules that might choose a different law. You are responsible for ensuring that your use of the site complies with any additional local laws that apply to you, and nothing here should be read as permitting use where it would be unlawful.

Suspension and termination

We may, at our discretion and without prior notice, suspend or terminate your access to all or part of the site if we reasonably believe that you have breached these Terms and Conditions, used the site in a way that is unlawful or harmful, or interfered with the experience of other users. Upon termination, your right to use the site will cease immediately, although provisions that by their nature should survive termination, such as intellectual property, disclaimers, limitations of liability, and dispute resolution clauses, will remain in effect. You may also stop using the site at any time if you no longer agree with these terms.

Changes to these terms

We may update or modify these Terms and Conditions from time to time to reflect changes in our services, applicable law, or operational practices. When we make material changes, we will revise the effective date at the top of this page and may provide additional notice on the site. Your continued use of lascurient.sbs after the updated terms take effect constitutes your acceptance of the revised version. If you do not agree with the changes, you should stop using the site. We encourage you to review this page periodically, especially if you return after a long interval.

Contact and questions

If you have questions about these Terms and Conditions, or wish to raise a concern about how they apply to your use of lascurient.sbs, you can contact us using the details provided on our site. We will review reasonable requests carefully and respond where appropriate, although we cannot provide personalised legal or financial advice. Please avoid including sensitive personal data in your initial message unless it is strictly necessary to describe the issue.

Email: content@lascurient.sbs

Phone: +1 (%24) 157-9532

Postal address: 204 Saint-Sacrement Street, Montreal, QC H2Y 3S7 Canada

Terms and Conditions for lascurient.sbs