Effective Date and Last Revision: September 8, 2025
These Website Terms and Conditions of Use (the "Terms") represent a binding legal agreement entered into by and between you, the visitor ("you," "your"), and The Canadian Bankers’ Association (the “CBA”) acting as steward on behalf of the Canadian Anti-Scam Coalition on an interim basis ("we," "us," "our").
The following Terms, together with our Privacy Policy, which is expressly incorporated herein by reference, govern your access to and use of our website located at https://www.standagainstscams.ca/, including any content, features, and functionality offered on or through it (collectively, the "Website"). This document sets forth the conditions under which you may use our Website and its content.
BY ACCESSING, BROWSING, OR OTHERWISE USING THE WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE LEGALLY BOUND BY THESE TERMS AND OUR PRIVACY POLICY.
If you do not agree to these Terms or the Privacy Policy, you must immediately cease and desist from accessing or using the Website.
This Website is intended for users who are the legal age of majority in their jurisdiction of residence. By using this Website, you represent and warrant that you possess the legal capacity to form a binding contract with us.
We reserve the right, in our sole and absolute discretion, to revise, update, or otherwise modify these Terms at any time. Any and all such modifications are effective immediately upon their posting to the Website and apply to all subsequent access to and use thereof. Your continued use of the Website after such modifications are posted constitutes your conclusive acceptance of the revised Terms. You agree to periodically review these Terms to be aware of any such changes.
Furthermore, the information and material on this Website are subject to change, withdrawal, or termination at any time in our sole discretion without notice. The content may not always be complete or up-to-date. We are under no obligation to update such material. We will not be liable if, for any reason, all or any part of the Website is restricted or unavailable at any time or for any period.
Access to the Website is provided on a temporary basis. You are responsible for making all arrangements necessary for you to have access to the Website, including securing a stable internet connection. You are also responsible for ensuring that all persons who access the Website through your internet connection are aware of these Terms and comply with them.
As a condition of your access and use, you agree that you will use the Website only for lawful purposes and in accordance with these Terms. You are strictly prohibited from violating the security of this Website, including, without limitation:
You understand and agree that the Website and its entire contents, features, and functionality, including, but not limited to, all information, software, code, data, text, displays, graphics, photographs, images, video, audio, music, and the design, presentation, selection, and arrangement thereof, are the exclusive property of the CBA, its licensors, or other providers of such material. These materials are protected in all forms by intellectual property laws, including without limitation, copyright, trademark, patent, trade secret, and any other proprietary rights under the laws of Canada and other countries.
Names, words, titles, phrases, logos, designs, graphics, icons and trademarks displayed on our websites may constitute registered or unregistered trademarks of The Canadian Bankers’ Association or third parties. Trademarks owned by third parties are the property of their respective owners. Used under license. Any use of such names, words, titles, phrases, logos, designs, graphics, icons and trademarks, except as expressly provided for herein, without the express written consent of the applicable owner is strictly prohibited. Nothing contained in this Terms of Use or on our websites may be construed as granting, by implication, estoppel, or otherwise, any license to use such names, words, titles, phrases, logos, designs, graphics, icons and trademarks. You agree that you will not take any actions inconsistent with The Canadian Bankers’ Association’s ownership of, or any third party's ownership of, the names, words, titles, phrases, logos, designs, graphics, icons and trademarks.
While we may use certain trademarks of third parties under licence, the display of third-party trademarks on our websites should not be taken to imply any relationship between the CBA and the owner of said trademark or to imply that we endorse the wares, services or business of the owner of the said trademark.
These Terms grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website for your personal, non-commercial use only. This license is subject to the following restrictions:
You shall not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website.
You may temporarily store copies of such materials in random access memory (RAM) incidental to your accessing and viewing those materials, and you may store files that are automatically cached by your Web browser for display enhancement purposes.
Any use of the Website not expressly permitted by these Terms constitutes a breach of this agreement and may violate copyright, trademark, and other laws. If you breach these Terms, your right to use the Website will cease immediately.
Your privacy is important to us. All information we collect on this Website, if any, is subject to our Privacy Policy, found at https://www.standagainstscams.ca/privacy. Our commitment to your privacy is detailed therein, which explains our principle of data minimization and the fact that we do not actively collect personal information through forms, registrations, or user submissions. By using the Website, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.
For your convenience, this Website may provide links or pointers to third-party sites. Any provision of such links does not constitute an endorsement, guarantee, warranty, or recommendation of such third-party or third-party site. We make no representations about any other websites that may be accessed from this Website. If you choose to access any such sites, you do so entirely at your own risk. We have no control over the contents of any such third-party sites and accept no responsibility for such sites or for any loss or damage that may arise from your use of them. You are subject to the terms and conditions of any such third-party sites.
The owner of the Website is based in the Province of Ontario, Canada. We provide this Website for use primarily by persons located in Canada. This Website is not intended for use in any jurisdiction where its use is not permitted. If you access the Website from outside Canada, you do so on your own initiative and at your own risk, and you are solely responsible for compliance with all applicable local laws of your jurisdiction.
The content on our Website is provided for general informational purposes only. It is not intended to amount to professional advice (including but not limited to financial, legal, or medical advice) on which you should rely. You must obtain more specific or professional advice before taking, or refraining from, any action on the basis of the content on our site.
Information, which includes all facts, data and other information, collectively the "Information" on the pages of our websites, is of a general nature, is intended only for informational purposes, is subject to change without notice and is not intended to be relied on by visitors as legal or financial advice on any particular matter.
The Information is believed to be accurate, complete and current when posted, but we cannot guarantee that it will remain accurate or complete or that it will be current at all times.
We are not responsible for direct, indirect, special or consequential damages, regardless of the cause, arising out of the use of our websites.
Our websites contain links to other sites that may be of interest to our visitors. We have no control over the accuracy, completeness or relevance of the Information on these sites and we do not endorse the sites or their products, services or privacy policies.
YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE WEBSITE, ITS CONTENT, AND ANY SERVICES OR ITEMS FOUND OR ATTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OR CONDITIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
EXCEPT WHERE SUCH EXCLUSIONS ARE PROHIBITED BY LAW, UNDER NO CIRCUMSTANCE WILL THE CBA NOR ANY OF THE MEMBERS OF THE CANADIAN ANTI-SCAM COALITION, THEIR RESPECTIVE PARENTS, SUBSIDIARIES, AFFILIATES OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY LINKED WEBSITES, OR ANY CONTENT ON THE WEBSITE.
To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless the CBA and members of the Canadian Anti-Scam Coalition, their respective parents, subsidiaries, affiliates, and their respective directors, officers, employees, agents, service providers, contractors, licensors, and successors from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable legal fees) arising out of or relating to your breach of these Terms or your use of the Website.
The Website and these Terms will be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without giving effect to any choice or conflict of law provision. Any action or proceeding arising out of or relating to this Website and under these Terms will be instituted exclusively in the courts of the City of Toronto, Province of Ontario, and each party irrevocably submits to the exclusive jurisdiction of such courts.
This Website is operated by The Canadian Bankers’ Association acting as steward on behalf of the Canadian Anti-Scam Coalition on an interim basis.
Should you have any questions, feedback, comments, or requests for technical support, please direct your communications to antiscam@cba.ca.