PLEASE READ THE TERMS OF USE CAREFULLY before browsing the Website or using the services it describes (the “Services”).

Please read Estato’s Terms and Conditions agreement (the “Agreement”, “Terms of Service”, or “Terms”) carefully before using our Site. By using our Site, you agree to our Privacy Policy and our Site Terms and Conditions and consent to be bound by these Agreements. Your access to and use of the Site is expressly conditioned on your agreement to and compliance with the Terms of Service. By accessing, browsing, or otherwise using our Site, you acknowledge that you have read and consent to be bound by the Terms of Service.

The Terms of Service Agreement is a legal contract between you (“you”) and Estato (“Company,” “we,” “us”, or “our”) concerning your use of the website owned and controlled by us from which you are accessing this Agreement (together with any successor site(s), and all Site Services and Site Content, the “Site”), and supersedes all prior or contemporaneous agreements, representations, warranties and understandings with respect to this Site, the Site Content, Site Services, and the subject matter of this Agreement

  1. Acceptance of Terms: By using the Site, you agree to the terms of this Agreement and to any additional rules and guidelines that we post on the Site. We reserve the right to add, update, modify, or otherwise change this Agreement at our discretion at any time without notice. Any changes to this Agreement will become effective immediately once posted on the Site as noted by the “Last Updated” above. Please review it frequently, as your continued and subsequent use of the Site constitutes acceptance of the Terms and any updates; provided, however, absent your express consent, any material change to this Agreement shall not apply retroactively to any claim or dispute between you and us in connection with this Agreement that arose prior to the “Last Updated” date applicable to that version of this Agreement in which we included such material change. We may, at any time, modify or discontinue all or part of the Site; charge, modify or waive fees required to use the Site; or offer opportunities to some or all Site users.
  2. Jurisdiction: Our Site is controlled or operated from Canada, and is not intended to subject us to non-CANADIAN. jurisdiction or laws. The Site may not be appropriate or available for use in some jurisdictions outside of the Canada. In choosing to access the Site, you do so on your own initiative and at your own risk, and you are responsible for complying with all local laws and rules and regulations. We may limit the Site’s availability, in whole or in part, to any person, geographic area or jurisdiction we choose, at any time and at our sole discretion.
  3. Information Submitted Through the Site: Your submission of information through the Site is governed by the Privacy Policy of the Site (the “Privacy Policy”), which is hereby incorporated into this Agreement by this reference. You represent and warrant that any information you provide in connection with your use of the Site is and shall remain true, accurate, and complete, and that you will maintain and update such information regularly. Furthermore, you agree that if any information you provide is false, inaccurate, obsolete or incomplete, we may terminate your use of the Site.
  4. Site Services and Content: The Site provides you with access to certain services, such as referrals to products, services, and suppliers that may be of interest to you (the “Site Services”), and to certain content provided by us or by third parties, such as news and information regarding Site Services in various industries (the “Site Content”). Please carefully note the following regarding our services and content:

Services. Estato is not a service provider or seller, and does not sell any of the products or services advertised on the Site. We may provide Site users with the opportunity to submit requests for information on a wide variety of products and services offered by certain service providers (each such service provider, a “Service Provider”; each such request, a “Request”). We cannot and do not guarantee that these Service Providers will provide information for every Request received or that the Service Providers who do respond to your Request can in fact meet all of your requirements. We may reject any Request and / or elect not to forward a Request to participating Service Providers, at our sole discretion. In submitting a Request to us, you agree to allow us to refer all of the information that you provide in connection with your Request to Third Parties, including any Service Providers. If any Service Provider(s) wish to provide information to you in connection with your Request, you will be contacted regarding the offerings and related pricing. We request that the Service Providers make contact with you via the preferred medium that you have listed, but this does not prevent such Service Providers from contacting you by any other means that they deem appropriate. In working with Service Providers, we seek to work with companies that are reputable and professional; however, we strongly recommend that you perform your own due diligence on each potential Service Provider prior to selecting or entering into any agreement or arrangement with any particular Service Provider. In addition, once we refer your request to the Service Providers in the Service Provider network, we have no further involvement or responsibility in any transactions that occur between you and the Service Provider(s). We are not responsible or liable for ANY financial losses incurred in any such transactions or Service Provider’s acts or omissions (including, without limitation, with respect to any quotes or services that any such Service Provider may provide, for such Service Provider’s contact or delay or failure to contact you, for such Service Provider’s performance or failure to perform, or for any agreement or transaction between you and any such Service Provider.

Content. Estato provides any such Site Content solely for your convenience and informational purposes, and such Site Content (i) is not intended as a substitute for professional or financial advice; (ii) should not be construed as the provision of advice or recommendations; and (iii) should not be relied upon as the basis for any decision or action, including without limitation the diagnosis or treatment of any health problem, the eligibility for or appropriateness of any benefit or service, or the making of a financial decision. We are not responsible for the accuracy or reliability of any Site Content, or for losses incurred while following the information presented here. The information and features included in this Site have been compiled from a variety of sources for informational purposes, and are subject to change at any time without notice. This Site and all information it contains are provided “AS IS.” By accessing or linking to this Site, you assume the risk that the information on this Site may be incomplete, inaccurate, out of date, or may not meet your needs and requirements. It is your responsibility to evaluate the accuracy, completeness, or usefulness of any Site Content available through the Site. The relationship between you and us is not a professional or similar relationship; always seek the advice of a qualified professional with respect to any questions that you may have, and never disregard professional advice or delay in seeking it because of something that you have read on the Site. We neither recommend nor endorse any specific products, opinions, or other Site Content that may be made available through or mentioned on the Site.

  1. Rules of Conduct: While accessing and using the Site you will comply with all applicable laws, rules and regulations. In addition, we expect users of the Site to respect the rights and dignity of others. Your use of the Site is conditioned on your compliance with the rules of conduct set forth in this section; your failure to comply with such rules may result in termination of your access to the Site pursuant to this agreement. You further agree that you will not:

– Post, transmit, or otherwise make available, through or in connection with the Site:

  • Anything that is or may be (a) threatening, harassing, degrading, hateful or intimidating; (b) defamatory; (c) fraudulent or tortious; (d) obscene, indecent, pornographic or otherwise objectionable; or (e) protected by copyright, trademark, trade secret, right of publicity or other proprietary right without the express prior consent of the owner of such right
  • Any material that would give rise to criminal or civil liability; that promotes gambling; that encourages conduct that constitutes a criminal offense; or that encourages or provides instructional information about illegal activities or activities such as “hacking,” “cracking,” or “phreaking”
  • Any virus, worm, Trojan horse, Easter egg, time bomb, spyware, or other computer code, file, or program that is harmful or invasive or may or is intended to damage or hijack the operation of, or to monitor the use of, any hardware, software or equipment
  • Any unsolicited or unauthorized advertising, promotional material, “junk mail,” “spam,” “chain letter,” “pyramid scheme” or investment opportunity, or any other form of solicitation

– Use the Site for any fraudulent or unlawful purpose.

– Use the Site to defame abuse, harass, stalk, threaten or otherwise violate the legal rights of others, including without limitation others’ privacy rights or rights of publicity, or harvest or collect personally identifiable information about other users of the Site

Impersonate any person or entity, including without limitation any of our (or our affiliates) representatives; falsely state or otherwise misrepresent your affiliation with any person or entity; or express or imply that we endorse any statement or posting you make

– Interfere with or disrupt the operation of the Site or the servers or networks used to make the Site available; or violate any requirements, procedures, policies or regulations of such networks

– Restrict or inhibit any other person from using the Site (including without limitation by hacking or defacing any portion of the Site)

– Use the Site to advertise or offer to sell or buy any goods or services without our express prior written consent

– Reproduce, duplicate, copy, sell, resell or otherwise exploit for any commercial purposes, any portion of, use of, or access to the Site

– Except as expressly permitted by applicable law, modify, adapt, translate, reverse engineer, decompile or disassemble any portion of the Site

– Remove any copyright, trademark or other proprietary rights notice from the Site or materials originating from the Site

– Frame or mirror any part of the Site without our express prior written consent

– Create a database by systematically downloading and storing all or any Site content

– Use any robot, spider, site search/retrieval application or other manual or automatic device to retrieve, index, “scrape,” “data mine” or in any way gather Site content or reproduce or circumvent the navigational structure or presentation of the Site without our express prior written consent. Notwithstanding the immediately foregoing sentence (but subject to the other items listed above), we grant the operators of public search engines permission to use spiders to copy materials from the Site for the sole purpose of and solely to the extent necessary for creating publicly-available searchable indices of such materials, but not caches or archives of such materials. We reserve the right to revoke these exceptions, either generally or in specific cases, at any time.

Site Content may be provided by our employees as well as by third parties.  Please note that third parties may post messages, provide materials or make statements that are inaccurate, misleading or deceptive. We, our affiliates and our and their employees, officers, directors, agents, representatives, licensors, suppliers and service providers (collectively with us, the “Company Entities”) do not endorse and are not responsible or liable for any Site Content, or any opinion, advice, information or statements in such Site Content, or your use of any Site Content. Under no circumstances will the Company Entities be liable for any loss or damage caused by your reliance on Site Content or for any results obtained by using any such Site Content. The opinions expressed in the Company Entities reflect solely the opinions of the individuals who submitted such opinions, and may not reflect our opinions. Your use of the Site and reliance on any Site Content is solely at your own risk.

Additionally, you acknowledge and agree that you (and not the Company) are responsible for obtaining and maintaining all telecommunications, broadband, and computer hardware, equipment, and services needed to access and use the Site, and paying all charges related thereto.

  1. Submissions: You retain ownership of any content that you submit through the Site (each, a “Submission”). We do not claim ownership of your Submissions. However, with respect to Submissions, you grant the Company Entities the following transferable, perpetual, irrevocable, sub-licensable (through multiple tiers), worldwide, royalty-free and non-exclusive license(s) to use, distribute, reproduce, modify, adapt, publicly perform and publicly display and exploit such Submissions on and/or in connection with the Site (including distributing and featuring your Submissions in promotional and marketing activities and materials related to the Site). You represent and warrant that you have all rights necessary for you to grant the licenses granted in this section for the Submissions, and that such Submission, and your provision thereof to and through the Site, comply with all applicable laws, rules and regulations. Further, to the extent permitted under applicable law, you irrevocably waive any “moral rights” or other rights with respect to attribution of authorship or integrity of materials regarding each Submission that you may have under any applicable law under any legal theory so that we have all the rights we may need to provide the Services available through the Site. In addition, the Company Entities have no control over, and shall have no liability for, any damages resulting from the use (including without limitation republication) or misuse by any third party of information voluntarily made public through any other part of the Site. If you choose to make any of your personally identifiable or other information publicly available in a Submission, you do so at your risk.
  2. Monitoring: You acknowledge and agree that we reserve the right (but have no obligation) to do any or all of the following, at our sole discretion: (a) monitor, evaluate, or alter Submissions before or after they appear on the Site; (b) seek to verify that all rights, consents, releases and permissions in or relating to such Submission have been obtained by you in accordance with your representations above; and (c) refuse, reject or remove any Submission at any time or for any reason (including, without limitation, through the use of automated filtering software or if we determine, at our sole discretion, that all rights, consents, releases and permissions have not been obtained by you despite your representations above). You agree to cooperate with us in our verification or inquiries related to the foregoing. We may disclose any Submissions and the circumstances surrounding their transmission to anyone for any reason or purpose, and in accordance with our Privacy Policy. If you become aware of any unlawful, offensive or objectionable material(s) on the Site, contact us at with your name and address, and the information.
  3. Proprietary Rights: The information and materials made available through the Site are and shall remain the property of Company and its licensors and suppliers, and are protected by copyright, trademark, patent, and/or other proprietary rights and laws. Subject to your compliance with this Agreement, and solely for so long as you are permitted by us to access and use the Site, you may view one (1) copy of any content on the Site to which we provide you access hereunder on any single computer solely for your personal, non-commercial home use, provided that you keep intact all copyright and other proprietary notices. Except as expressly authorized in advance by us in writing, you agree not to reproduce, modify, rent, lease, loan, sell, distribute, or create derivative works based (whether in whole or in part) on, all or any part of the Site or any materials made available through the Site.

The company owns all trademarks and service marks, and any associated logos of Company. All trademarks and service marks on the Site not owned by us are the property of their respective owners. The trade names, trademarks, and service marks owned by Company, whether registered or unregistered, may not be used in connection with any product or service that is not ours, in any manner that is likely to cause confusion. Nothing contained on the Site should be construed as granting, by implication, estoppel or otherwise, any license or right to use any trade names, trademarks or service marks without the express prior written consent of the owner of such trade names, trademarks or service marks.

  1. External / Third Party Links: The Site may provide links to other web sites and online resources.  Because we have no control over such sites and resources, you acknowledge and agree that the Company Entities are not responsible for the availability of such external sites or resources, and the Company Entities neither endorse nor are responsible or liable for any content, advertising, products or other materials on or available through such sites or resources. Additionally, other web sites may provide links to the Site with or without our authorization. You acknowledge and agree that the Company Entities do not endorse such sites, and are not and shall not be responsible or liable for any links from those sites to the Site, any content, advertising, products or other materials available on or through such other sites, or any loss or damages incurred in connection therewith.

You agree that your use of Third Party websites and resources, including and without limitation, your use of any content, information, data, advertising, products, or other materials on or available through such website and resources, is at your own risk and is subject to the terms and conditions of use applicable to such sites and resources.

We shall have the right, but not the obligation, at any time and in our sole discretion, to block links from and to the Site through technological or other means without prior notice.

  • DISCLAIMERS; LIMITATION OF LIABILITY: THE SITE AND ANY GOODS, SERVICES. CONTENT, INFORMATION AND MATERIALS MADE AVAILABLE THROUGH OR IN CONNECTION WITH THE SITE ARE PROVIDED TO YOU “AS IS” WITHOUT ANY EXPRESS REPRESENTATIONS OR WARRANTIES OF ANY KIND, AND EACH OF THE COMPANY ENTITIES DISCLAIMS ALL STATUTORY OR IMPLIED REPRESENTATIONS, WARRANTIES, TERMS AND CONDITIONS WITH RESPECT TO THE SITE AND ALL GOODS, SERVICES, CONTENT, INFORMATION AND MATERIALS (INCLUDING WITHOUT LIMITATION, THIRD PARTY GOODS, SERVICES, CONTENT, INFORMATION AND MATERIALS) MADE AVAILABLE THROUGH THE SITE, INCLUDING ANY REPRESENTATIONS OR WARRANTIES OF SATISFACTORY QUALITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT AND TITLE. WE AND THE OTHER COMPANY ENTITIES MAKE NO REPRESENTATION OR WARRANTY THAT THE SITE (OR ANY PART THEREOF) IS OR WILL BE ACCURATE, COMPLETE OR ERROR-FREE, NOR THAT ANY PARTICULAR SOFTWARE OR HARDWARE WILL BE COMPATIBLE WITH THE SITE. YOU HEREBY AGREE THAT IT IS YOUR SOLE RESPONSIBILITY TO (A) OBTAIN AND PAY FOR ANY SOFTWARE, HARDWARE OR SERVICES (INCLUDING INTERNET CONNECTIVITY) NEEDED TO USE THE SITE AND (B) ENSURE THAT ANY SOFTWARE, HARDWARE OR SERVICES THAT YOU USE WILL FUNCTION CORRECTLY WITH THE SITE. YOU AGREE THAT YOU MUST EVALUATE, AND THAT YOU BEAR ALL RISKS ASSOCIATED WITH, THE USE OF THE SITE, INCLUDING WITHOUT LIMITATION, ANY RELIANCE ON THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY MATERIALS AVAILABLE THROUGH THE SITE.

NONE OF THE COMPANY ENTITIES SHALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR PUNITIVE DAMAGES OF ANY KIND IN CONNECTION WITH THE SITE, UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHER THEORY, INCLUDING WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OR INTERRUPTION OF BUSINESS, LOSS OF USE, LOSS OF DATA, LOSS OF OTHER INTANGIBLES, LOSS OF SECURITY OF INFORMATION YOU HAVE PROVIDED IN CONNECTION WITH YOUR USE OF THE SITE, OR UNAUTHORIZED INTERCEPTION OF ANY SUCH INFORMATION BY THIRD PARTIES, EVEN IF ADVISED IN ADVANCE OF SUCH DAMAGES OR LOSSES.  IN PARTICULAR, AND WITHOUT LIMITATION, THE COMPANY ENTITIES WILL NOT BE LIABLE FOR DAMAGES OF ANY KIND RESULTING FROM YOUR USE OF OR INABILITY TO USE THE SITE OR FROM ANY CONTENT POSTED ON THE SITE BY ANY OF THE COMPANY ENTITIES OR BY ANY THIRD PARTY. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THE SITE IS TO STOP USING THE SITE. THE MAXIMUM LIABILITY OF THE COMPANY ENTITIES FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING WITHOUT LIMITATION NEGLIGENCE) OR OTHERWISE, SHALL BE THE TOTAL AMOUNT, IF ANY, PAID BY YOU TO US TO ACCESS AND USE THE SITE.

IT IS POSSIBLE THAT APPLICABLE LAW MAY NOT ALLOW FOR LIMITATIONS ON CERTAIN IMPLIED WARRANTIES OR EXCLUSIONS OR LIMITATIONS OF CERTAIN DAMAGES; SOLELY TO THE EXTENT THAT SUCH LAW APPLIES TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

While we try to maintain the security of the Site, we do not guarantee that the Site will be secure or that any use of the Site will be uninterrupted. Additionally, Third Parties may make unauthorized alterations to the Site. If you become aware of any unauthorized Third Party alteration to the Site, please contact us at with a description of the material(s) at issue and the URL or location of such material(s).

  • Indemnity: Except to the extent prohibited under applicable law, You agree to defend, indemnify and hold harmless the Company Entities, from and against all claims, losses, costs and expenses (including attorneys’ fees) arising out of (a) your use of, or activities in connection with, the Site; (b) any violation or alleged violation of this Agreement by you; (c) any use or other exploitation, or failure or omission to use or otherwise exploit, any Submission (including any portion thereof) that you post; or (d) any claim that your Submission or any use or exploitation thereof caused damage to or infringed upon or violated the rights of a third party, including without limitation past, present or future infringement, misappropriation, libel, defamation, invasion of privacy or right of publicity or violation of rights related to the foregoing.
  • Termination: This Agreement is effective until terminated. We may, at any time and for any reason, terminate your access to or use of: (a) the Site, or (b) any files or information associated with your access of the Site. Upon any such termination, your right to use the Site will immediately cease. You agree that any termination of your access to or use of the Site may be effected without prior notice, and that we may immediately deactivate or delete all related information and files associated with your access, and/or bar any further access to such information or files. You agree that the Company Entities shall not be liable to you or any third party for any termination of your access to the Site or to any such information or files, and shall not be required to make such information or files available to you after any such termination.  Sections covering Jurisdiction, Site Services and Content, Submissions, Monitoring, Proprietary Rights, Third Party Links, Disclaimers and Limitation of Liability, Indemnity, Termination, Governing Law & Jurisdiction, Claims of Copyright Infringement, Ability to Enter into this Agreement, and Miscellaneous shall survive any expiration or termination of this Agreement.
  • Governing Law; Jurisdiction: This Agreement is governed by and shall be construed in accordance with the laws of the Province of Ontario, Canada., without regard to its principles of conflicts of law. You agree to exclusive jurisdiction of the federal and provincial courts located in Ontario, Canada., and waive any jurisdictional, venue or inconvenient forum objections to such courts. You further agree that the United Nations Convention on the International Sale of Goods will not apply to this Agreement.
  • Filtering: We hereby notify you that parental control protections (such as computer hardware, software or filtering services) are commercially available that may assist you in limiting access to material that is harmful to minors. Information identifying current providers of such protections is available on OnGuard Online (onguardonline.gov). Please note that we do not endorse any of the products or services listed at such sites.
  • Information or Complaints: If you have a question or complaint regarding the Site or the meaning of application of this Agreement, please send an email to info[@]Estato.  Please note that email communications will not necessarily be secure; accordingly you should not include information that you consider to be sensitive in your email correspondence with us.
  • Claims of Copyright Infringement: The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under CANADIAN. copyright law. If you believe in good faith that materials available on the Site infringe your copyright, you (or your agent) may send us a notice requesting that we remove the material or block access to it. If you believe in good faith that someone has wrongly filed a notice of copyright infringement against you, the DMCA permits you to send us a counter-notice. Notices and counter-notices must meet the then-current statutory requirements imposed by the DMCA. Notices and counter-notices should be sent to alan[@]isik.ca. We suggest that you consult your legal advisor before submitting a notice or counter-notice.
  • Ability to Enter Into This Agreement: BY USING THE SITE, YOU REPRESENT AND WARRANT THAT YOU ARE EITHER: (A) OF LEGAL AGE TO ENTER INTO THIS AGREEMENT AND YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT; OR (B) THE PARENT OR LEGAL GUARDIAN OF A CHILD UNDER THE LEGAL AGE TO ENTER INTO THIS AGREEMENT AND YOU AGREE TO BE BOUND BY THIS AGREEMENT ON BEHALF OF YOUR CHILD. If you are the parent or legal guardian of a child under the legal age to enter into this Agreement, then, as used in this Agreement, “you,” “yourself,” “your,” and “user” means and refers to you on behalf of yourself and your child who is the user of the Site.
  • Miscellaneous: This Agreement does not, and shall not be construed to, create any partnership, joint venture, employer-employee, agency or franchisor-franchisee relationship between you and us. If any provision of this Agreement is found to be unlawful, void or for any reason unenforceable, that provision will be deemed severable from this Agreement and will not affect the validity and enforceability of any remaining provision. You may not assign, transfer or sublicense any or all of your rights or obligations under this Agreement without our express prior written consent. We may assign, transfer or sublicense any or all of our rights or obligations under this Agreement without restriction. No waiver by either party of any breach or default hereunder will be deemed to be a waiver of any preceding or subsequent breach or default.  Any heading, caption or section title contained herein is inserted only as a matter of convenience, and in no way defines or explains any section or provision hereof. This Agreement hereby incorporates by this reference any additional terms that we post on the Site and, except as otherwise expressly stated herein, this Agreement is the entire agreement between you and us relating to the subject matter herein and supersedes any and all prior or contemporaneous written or oral agreements or understandings between you and us relating to such subject matter. Notices to you may be made via posting to the Site, by e-mail, or by regular mail, at our discretion. The Site may also provide notices of changes to this Agreement or other matters by displaying such notices or by providing links to such notices. Without limitation, you agree that a printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. We will not be responsible for failures to fulfill any obligations due to causes beyond our control.

Liability

You are using this site entirely at you own risk. We cannot guarantee the accuracy of the content and you should never rely on it. We cannot guarantee that the content will always be up to date and accurate, always available or free from errors. We have no responsibility for any arrangements you make with any third-parties as a result of you using this site. We are not responsible for any technical difficulties that you may experience when using this site due to the nature of the Internet.

Contents of this website are free of charge and serve only for information purposes. By using this information, users and owners of the site do not enter a legal relation. Views and opinions of writers, bloggers and contributors on the site are no official statements of the owner and/or community of Estato.ca.

Usage of the site

Although we are doing our best to provide the most accurate data, we cannot guarantee its accuracy all the time and are not responsible for any damage, loss or error as a result of using this site. This site serves as an information source only. We do not sell any financial products or services. Any pricing information provided is for information purposes only. The information provided on this site may be used for personal and non-commercial purposes only. This service is provided “as is” and is subject to change at any time. All uses of this site other than those explicitly specified in these terms are strictly prohibited. By using this site you prove that such usage complies with local law and regulations of the country from which you are accessing it.

This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your province. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.

Please note that www.Estato.ca does not sell any mortgage or insurance, is not a licensed insurance or mortgage broker or agent, and is not owned in whole or in part by an insurance company, agent or brokerage. Unfortunately, this means we cannot answer or address any insurance, or mortgage-related questions or concerns nor give insurance, or mortgage-related advice. We represent neither the buyer nor the seller.

Our website may include services which are performed for our customers by third party service providers. Such services are not performed or provided by us.

To help Canadians make informed decisions about the type of car insurance, we’ve partnered with Kanetix.ca to offer financial services comparison tools that allows consumers to compare quotes and deals.

This website includes affiliate links and ads. If you click on these affiliate links or ads and go visit the resulting site, that will cause www.Estato.ca to receive a commission.

Please note that we cannot be held responsible for the content and/or actions of these external websites and services that are linked to from www.Estato.ca and you will be subject to their terms and conditions when using them. Be very sure to read the terms and conditions before signing up and/or paying for any service

Visitors to www.Estato.ca are also responsible for researching offers and services and making decisions that are most suitable for their own circumstances.

The information found on this website is designed to help you choose products and does not constitute advice.

 

Acceptance of Terms of Use Whenever you browse the Website or use any of the Services, you agree to be bound by the Terms of Use. IF YOU DO NOT WANT TO ACCEPT THE TERMS OF USE, YOU SHOULD NOT USE THE WEBSITE OR THE SERVICES. Estato.ca may amend the Terms of Use at any time, at its complete discretion. Your use of the Website and/or the Services, after an amendment has been posted, shall be deemed to signify your acceptance of the revised Terms of Use. We ask that you review this page regularly.

Estato.ca reserves the right to cancel the Terms of Use and/or your right to browse and use any or all of the Website or Services, without notice, at its complete discretion.

Disclaimer of Liability: THE WEBSITE, SERVICES AND CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE”. YOU BROWSE AND USE THE WEBSITE AND ITS FUNCTIONALITIES AT YOUR OWN RISK. ESTATO.CA MAKES NO REPRESENTATION OR WARRANTY REGARDING THE WEBSITE, THE SERVICES OR THE CONTENT. ESTATO.CA ASSUMES NO RESPONSIBILITY FOR ANY MISLEADING CONTENT OR INCORRECTLY LISTED INFORMATION.

THE BLOG SECTION OF THIS WEBSITE IS MADE AVAILABLE BY THE PUBLISHER FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY. IT IS NOT BE USED AS A SUBSTITUTE FOR COMPETENT INSURANCE, LEGAL, REAL ESTATE BUYING/SELLING, MORTGAGE OR TAX ADVICE FROM A LICENSED PROFESSIONAL IN YOUR PROVINCE.

ESTATO.CA ASSUMES NO LIABILITY FOR THE FAILURE TO SELL OR COMPLETE THE SALE OF YOUR PROPERTY BY USING INFORMATION ON THIS WEBSITE.

ESTATO.CA ASSUMES NO LIABILITY IN CASE OF FORCE MAJEURE CAUSING THE PARTIAL OR COMPLETE INTERRUPTION OF THE SERVICES, TEMPORARILY OR PERMANENTLY. FOR ILLUSTRATIVE PURPOSES, WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, ESTATO.CA ASSUMES NO LIABILITY FOR THE INTERRUPTION OF THE SERVICES CAUSED BY A THIRD PARTY, INCLUDING THE TERMINATION OF ANY THIRD PARTY’S ACTIVITIES WHICH ARE ESSENTIAL TO PROVIDE THE SERVICES.

ESTATO.CA, ITS AFFILIATES, DIRECTORS, EMPLOYEES, MANDATARIES, AGENTS, AND LICENSORS, INCLUDING THEIR RESPECTIVE SUCCESSORS AND ASSIGNS, SHALL UNDER NO CIRCUMSTANCES BE LIABLE FOR DAMAGE OF ANY KIND, INCLUDING INDIRECT, SPECIAL OR FORTUITOUS DAMAGE, ARISING DIRECTLY OR INDIRECTLY FROM THE USE OR PERFORMANCE OF THE WEBSITE, THE SERVICES OR THE CONTENT CONTAINED THEREON OR ON ANY OTHER SITE YOU MAY LINK TO THROUGH THE WEBSITE, EVEN IF THEY WERE OR SHOULD HAVE BEEN AWARE OF THE POSSIBILITY OF SUCH DAMAGE.

ESTATO.CA, ITS AFFILIATES, DIRECTORS, EMPLOYEES, MANDATARIES, AGENTS AND LICENSORS, INCLUDING THEIR RESPECTIVE SUCCESSORS AND ASSIGNS, DISCLAIM ANY LIABILITY FOR THE ACTS, OMISSIONS OR CONDUCT OF ANY THIRD PARTY USING THE WEBSITE AND ITS FUNCTIONALITIES OR THAT OF ANY ADVERTISER OR SPONSOR ON THE WEBSITE (“THIRD-PARTY USERS”) AND SHALL IN NO EVENT BE LIABLE FOR ANY HARM, LOSS OR DAMAGES (INCLUDING SPECIAL, INDIRECT OR INCIDENTAL DAMAGES) OR COSTS ARISING IN ANY MANNER FROM (i) THE ACTS, OMISSIONS OR CONDUCT OF A THIRD-PARTY USER; OR (ii) THE USE OF OR INABILITY TO USE ANYTHING OR ANY SOFTWARE, CONTENT, GOODS OR SERVICES ON OR OFFERED THROUGH A SITE LINKED TO THE WEBSITE.

Governing Law: These Terms of Use, as well as your use of the Website and Services, shall be governed by the laws of the Province of Ontario and the laws of Canada, regardless of conflict of law principles. You hereby acknowledge that any litigation arising from or related to your use of the Website or Services or these Terms of Use shall be subject to the jurisdiction of the courts of the District of Toronto, Province of Ontario.

Terms of Use for On-demand Services

Acceptance

PLEASE READ THIS TERMS OF USE (“Terms of Use”) THOROUGHLY AND CAREFULLY.

The use of the Sites is subject to the following terms and conditions, the and any additional terms and conditions, rules, disclaimers and notices displayed by us elsewhere on the Sites from time to time (together, “Terms of Use”).

For the purposes of the Terms of Use the w­ord “Sites” or “Website” includes, without limitation:

  • this site; including the classified advertisements, forums, various email functions and Internet links, and all content and Estato services available through the domain and sub-domains of Estato located at www.Estato.ca
  • all websites, co-branded microsites, services, or applications owned or provided by Estato.ca (“Estato”), and all services offered or accessible through www.Estato.ca, or via other websites owned, operated or provided by Estato;
  • all mobile phone applications and other media owned, operated or provided by Estato;
  • all webpages, data, text, images, photographs, graphics, audio, video, and documents including, without limitation, offers and coupons, marketing materials, press releases, white papers, product data sheets, and other information and content on or through or submitted on or through www.Estato.ca or other websites, mobile phone applications and other media owned, operated or provided by Estato.
  • the online transactions between those Users of the Website who are offering services (each, a “Service Professional”) and those Users of the Website who are obtaining services (each, a “Service Customer”) through the Website (such services, collectively, the “Services”)

All references to “you” and “your”, as applicable, mean the person that accesses, uses, and/or participates in the Website in any manner. If you use the Website or open an Account (as defined below) on behalf of a business, you represent and warrant that you have the authority to bind that business and your acceptance of the Terms of Use will be deemed an acceptance by that business and “you” and “your” herein shall refer to that business.

By using the Sites, you agree to be bound by the Terms of Use as updated from time to time, whether you are a visitor simply browsing the Sites or you become a Service Customer or Service Professional of Estato.ca (both, “Users”). If you do not agree with any of the terms contained in the Terms of Use, do not use the Sites.

Modifications to Terms of Use or Privacy Policy

Estato reserves the right, in its sole discretion, to change, modify or otherwise amend the Terms of Use, the Policy, and any other documents incorporated by reference at any time. It is your responsibility to review the Terms of Use for any changes. Your use of the Website following any amendment of the Terms of Use will signify your assent to and acceptance of any revised Terms of Use. If you do not agree to abide by these or any future Terms of Use, please do not use or access the Website.

Privacy Policy

Estato has established a Privacy Policy that explains to Users how their information is collected and used. The Privacy Policy is hereby incorporated into this Terms of Use. Your use of this Website is governed by the Privacy Policy.

Use of the Sites

You acknowledge the Sites are owned, operated or provided by Estato and are designed to provide a place for the online distribution and publication of User-submitted information between service professionals and Service Customers, and by using or participating in the Website in any way, including the Services, you certify that:

  • you are either a service professional or a prospective Service Customer
  • you have the authority to enter into these Terms of Use
  • you authorize the transfer of payment for Services requested through the use of the Website (if any)
  • you agree to be bound by all terms and conditions of these Terms of Use and any other documents incorporated by reference.
  • you acknowledge that the information and material on the Sites is provided “as is” for general informational purposes only. You access the Sites, and rely on the information and material contained in the Sites, at your own risk.

License to Access

Estato hereby grants you a non-exclusive, revocable license to use the Website as set forth in the Terms of Use. Provided however that:

  • you will not copy, distribute, or make derivative works of the Website in any medium without Estato’s prior written consent
  • you will not alter or modify any part of the Website other than as may be reasonably necessary to use the Website for its intended purposes
  • you will otherwise act in accordance with the terms and conditions of the Terms of Use and in accordance with all applicable laws in Canada.

You represent, acknowledge, and agree that you are at least 18 years of age or otherwise use the Sites with parental or guardian consent and supervision, and that:

  • all registration or other information that you submit is truthful and accurate
  • you will maintain the accuracy of such information
  • your use of the Website and Services offered through this Website do not violate any applicable law or regulation. Your Account (defined below) may be terminated without warning if we believe that you are under the age of 18 or that you are not complying with any applicable laws, rules or regulations in Canada.

You do not need to register with Estato to simply visit and view the Website, but to access and participate in certain features of the Website, you will need to create a password-protected account (“Account”). To create an account, you must submit your name and email address through the account registration page on the Website and create a password. You will also have the ability to provide additional optional information, which is not required to register for an account but may be helpful to Estato in providing you with a more customized experience when using the Website.

Account and Additional Policies

You are solely responsible for safeguarding your Estato password (“Password”) and shall keep your Password secure at all times. You shall be solely responsible for all activity that occurs on your Account and you shall notify Estato immediately of any breach of security or any unauthorized use of your Account. Similarly, you shall never use another’s Account without permission. You agree that you will not misrepresent yourself or represent yourself as another User of the Website and/or the Services offered through the Website. Any comments you post on Estato Site may be used on any of the Sites. You hereby acknowledge and agree that Estato will not be liable for your losses caused by an unauthorized use of your Account. Notwithstanding, you may be liable for the losses of Estato or others due to such unauthorized use.

In addition and in connection with your Account, you acknowledge and agree that you shall comply with the following:

  • You will not copy or distribute any part of the Website in any medium without Estato’s prior written authorization
  • You will not alter or modify any part of the Website other than as may be reasonably necessary to use the Website for its intended purpose
  • You will provide accurate and complete information when creating you Account
  • You shall not use any automated system, including but not limited to, “robots,” “spiders,” “offline readers,” “scrapers,” etc., to access the Website for any purpose without Estato’s prior written approval
  • You shall not in any manual or automated manner collect service professionals or Service Customers information, including but not limited to, names, addresses, phone numbers, or email addresses, copying copyrighted text, or otherwise misuse or misappropriate Website information or content, including but not limited to, use on a “mirrored”, competitive, or third party site
  • You shall not in any way that transmits more request messages to the Estato servers, or any server of a Estato subsidiary or affiliate, in a given period of time than a human can reasonably produce in the same period by using a conventional online web browser; provided, however, that the operators of public search engines may use spiders or robots to copy materials from the site for the sole purpose of creating publicly available searchable indices of the materials, but not caches or archives of such material. Estato reserves the right to revoke these exceptions either generally or in specific cases.
  • You shall not recruit, solicit, or contact in any form service professionals or Service Customers for employment or contracting for a business not affiliated with Estato without express written permission from Estato
  • You shall not take any action that (i) unreasonably encumbers or, in Estato’s sole discretion, may unreasonably encumber the Website’s infrastructure; (ii) interferes or attempts to interfere with the proper working of the Website or any third-party participation in the Website; or (iii) bypasses Estato’s measures that are used to prevent or restrict access to the Website
  • You agree not to collect or harvest any personally identifiable data, including without limitation, names or other Account information, from the Website, nor to use the communication systems provided by the Website for any commercial solicitation purposes

If you do not meet, or are unable to comply with, any of the above, please do not use the Website. Should Estato find that you violated the terms of the membership eligibility criteria or any other terms stated herein, Estato reserves the right, at its sole discretion, to immediately terminate your use of the Website.

Your access to, use of, and participation in the Website is subject to the Terms of Use and all applicable Estato regulations, guidelines and additional policies that Estato may set forth from time to time, including without limitation, a copyright policy and any other restrictions or limitations that Estato publishes on the Website (the “Additional Policies”). You agree to comply with the Additional Policies and you acknowledge and agree that if you fail to adhere to any of the terms and conditions of this Terms of Use or any of the documents or policies referenced here, Estato may in its sole discretion terminate your Account at any time without prior notice to you.

User-posted content

Some parts of the Sites may allow you to submit, upload, post or transmit content or material such as text, photos, images, audio and video (including links to content or material) (“Material”) that may be accessed and viewed by others via the Sites. You are responsible for any Material they submit to the Sites and must respect the legal rights and sensibilities of other Users.

Estato reserves the right to (but has no obligation to) review, remove, edit, modify, deny access to or not display any Material submitted, uploaded, posted or transmitted to or on the Sites in its sole discretion.

By submitting, uploading, posting or transmitting Material to or on the Sites, Users:

  • grant Estato a fully paid, royalty free, perpetual, transferable, worldwide license to (and to authorize others to) use, copy, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, publicly perform and display such Material (modified or unmodified) for the purposes of operating the Sites and providing any associated services to Users and any promotional purposes of Estato and its clients (for example, Estato may reproduce testimonials in promotional materials for its own use or that of its clients (which may or may not include the relevant User name);
  • consent to Estato using and publishing (and authorizing others to use and publish) their name, character, likeness, image, voice or anything else that identifies them which is contained in the Material for the above purposes;
  • grant other Users a royalty free, fully paid, perpetual, worldwide license to use, copy and reproduce such Material for their own private, non-commercial use;
  • represent and warrant that they are legally entitled to submit, upload, post or transmit the Material to or on the Sites and have obtained all necessary licenses, consents and approvals in relation to the Material (including intellectual property licenses and in relation to the use of any name, character, likeness, image, voice or anything else that identifies any person that is included in the Material) to enable them to submit, upload, post or transmit the Material on the Sites and to permit Estato and Users to deal with the Material in accordance with the licenses granted above without infringement or violation of any third party rights;
  • represent and warrant that they provide Estato with accurate, truthful and complete registration information; and
  • consent to any act or omission that would otherwise infringe their moral rights in the Material and present and future rights of a similar nature conferred by statute anywhere in the world.

Prohibitions on Content, Messages and Services

You shall not upload, post, transmit, transfer, disseminate, distribute, or facilitate distribution of any content, including text, images, video, sound, data, information, or software, to any part of the Website, including your profile, the posting of your Service, the posting of your desired Service, or the posting of any opinions or reviews in connection with the Website, the Service, the service professional, or the Service Customer (collectively referred to as “Submitted Content”) that:

  • misrepresents the source of anything you post, including impersonation of another individual or entity of any false or inaccurate biographical information for any service professionals, provides or create links to external sites that violate this Terms of Use, is intended to harm or exploit any individual in any way or is designed to solicit, or collect personally identifiable information of any person without his or her express consent
  • invades anyone’s privacy by attempting to harvest, collect or otherwise utilize or publish any of their information without their knowledge and willing consent
  • contains falsehoods or misrepresentations that could damage Estato or any third party;
  • is pornographic, harassing, hateful, illegal, obscene, defamatory, libelous, slanderous, threatening, discriminatory, racially, culturally, or ethnically offensive; incites, advocates, or expresses pornography, obscenity, vulgarity, profanity, hatred, bigotry, racism or gratuitous violence, encourages conduct that would be considered a criminal offence, give rise to civil liability or violate any law, promotes racism, hatred or physical harm of any kind against any group or individual, contains nudity, violence or inappropriate subject matter, or is otherwise inappropriate
  • is copyrighted, protected trade secret or otherwise subject to third-party proprietary rights, including privacy and publicity rights, unless you are the owner of such rights or have permission from the rightful owner to post the material and to grant Estato all of the license rights granted therein
  • contains or promotes an illegal or unauthorized copy of another person’s copyrighted work of any kind or any other proprietary right
  • is intended to threaten, stalk, defame, defraud, degrade, victimize, or intimidate an individual or group of individuals for any reason or to incite or encourage anyone else to do so
  • intends to harm or disrupt another User’s computer or would allow others to illegally access software or bypass security on websites or servers through any means
  • advertises or solicits a business not related to or appropriate for the Website (as determined by Estato in its sole discretion)
  • contains or could be considered “junk mail”, “spam”, “chain letters”, “pyramid schemes”, “affiliate marketing”, or unsolicited commercial advertisement
  • contains advertising for ponzi schemes, discount cards, credit counseling, online surveys or online contests
  • distributes or contains viruses or any other technologies that may harm Estato, or the interests or property of Estato Users
  • contains links to commercial services or websites, except as allowed pursuant to the Terms of Use
  • is non-local or irrelevant content
  • contains identical content to other open Postings you have already posted, or uses any form of automated device or computer program that enables the submission of Postings without the express written consent of Estato.

You will not send messages to other Users containing:

  • offers to make national or international money transfers for amounts exceeding the asking price of a service, with intent to request a refund of any portion of the payment
  • unsolicited advertising or marketing of a service not offered on the Website or an external website

While using the Website, you shall not:

  • post content or items in any inappropriate category or areas on the Website
  • violate any laws, third-party rights, Account Policies, or any provision of the Terms of Use, such as the prohibitions described above
  • fail to deliver payment for Services purchased by you, unless the service professional has materially changed the description of the Service description after you negotiate an agreement for such Service, a clear typographical error is made, or you cannot authenticate the service professional’s identity
  • fail to perform Services purchased from you, unless the Service Customer fails to materially meet the terms of the mutually agreed upon
  • circumvent or manipulate any fee structure or billing process that we may have or come up with, post false, inaccurate, misleading, defamatory, or libelous content (including personal information about any Website User)
  • take any action that may undermine any feature that Estato has or may come up with for the purposes of the Website
  • leave any inappropriate feedback on a service professional and you shall at all times use careful and good judgment in leaving any feedback

Conduct of Users 

Users must not submit, upload, post or transmit Material on the Sites:

  • that contains advertising, spam or is otherwise submitted, upload, posted or transmitted for commercial purposes (except where expressly permitted by Estato);
  • about a product or service that they own or are otherwise associated with (including if they are an employee or agent of the supplier);
  • that is offensive, unlawful, harmful, indecent, defamatory, false or misleading, untruthful or inaccurate, discriminatory, unsuitable for minors or of an abusive, obscene, offensive or menacing nature;
  • that contains nudity, sexual activity, swear words or excessive violence or is otherwise inappropriate as determined by Estato in its sole discretion;
  • that is reasonably likely to offend another User;
  • that violates or infringes (or the use of which violates or infringes) the intellectual property (including without limitation any patent, trademark, trade secret or copyright) or other rights of any person or entity;
  • that contains personal information of any person (such as name, address, email address, phone number), or any third parties’ likenesses except with the relevant person’s permission;
  • that contains software viruses or other computer codes, files, worms or programs that are designed or intended to disrupt, disable, damage, limit or interfere with the proper function of any software, hardware or telecommunications equipment or to damage or obtain unauthorized access to any system data, password or other information of Estato or any third party;
  • that imposes or may impose (as determined by Estato in its sole discretion) an unreasonable or disproportionately large load on Estato’s (or its third party providers’) infrastructure; or that contains financial, legal, medical or other professional advice.

Users must not use the Sites to:

  • conduct any illegal activity;
  • cause annoyance or inconvenience to any person including other Users; or
  • harvest information about Users for the purpose of sending, or to facilitate the sending of, unsolicited commercial electronic messages.

Material posted by other Users

Estato is not responsible for, and accepts no liability with respect to, any Material submitted, uploaded, posted or transmitted on the Sites.

The views and opinions expressed in Material posted by Users on the Sites are the views and opinions of the authors and do not necessarily represent the views or opinions of Estato or its clients. Estato does not endorse or support any views or opinions posted by Users on the Sites or guarantee the accuracy, completeness, currency or suitability of any information posted by Users.

Service Professionals

Service professionals shall not:

  • list Services or offers relating to any Service in a category that is inappropriate to the Service they are offering
  • misrepresent the location at which they will provide a Service
  • include brand names or other inappropriate keywords in their Profile, title or an posting or submission made
  • use misleading titles that do not accurately describe the Service
  • include any information in their Profile that is fraudulent or otherwise incorrect
  • do anything to circumvent or avoid any fees that Estato may charge
  • use their Profile or in any way promote services or products not offered through the Website or any prohibited services
  • promote any website, service, product, party or any thing not directly related to their Service or otherwise prohibited by Estato in its sole discretion from time to time
  • solicit Users or any person to pay or do anything not specifically permitted by these Terms of Use or by Estato as it may in its sole discretion determine from time to time
  • do anything that contravenes these Terms of Use, the Privacy Policy or any law

If a service professional violates any of the above Estato may in its sole discretion take any action it deems fit, including but not limited to terminating or suspending the service professional’s account or use of the Website.

Service Customers

Service Users shall not:

  • commit to purchasing or using a Service without paying
  • sign up, negotiate a price for, use, or otherwise solicit a Service with no intention of following through with your use of or payment for the Service
  • agree to purchase a Service when you do not meet the service professional’s terms, or agree to purchase a Service with the intention of causing disruption
  • misuse any options made available now or in the future by Estato in connection with the use or purchase of any Service.

If a service User violates any of the above Estato may in its sole discretion take any action it deems fit, including but not limited to terminating or suspending the service User’s use of the Website.

No Confidentiality

The Website may now or in the future permit the submission of videos or other communications submitted by you and other Users, including without limitation, your Profile or other information about you and all Submitted Content, and the hosting, sharing, and/or publishing of such Submitted Content. You understand that whether or not such Submitted Content is published, Estato does not guarantee any confidentiality with respect to any Submitted Content.

Representation and Warranties

You are solely and fully responsible for your own Submitted Content and the consequences of posting or publishing it. You hereby affirm, represent, and/or warrant that:

  • you own or have the necessary licenses, rights, consents, and permissions to use and authorize Estato to use all patent, trademark, trade secret, copyright or other proprietary rights in and to any and all Submitted Content
  • you have the written consent, release, and/or permission of each and every identifiable individual person in the Submitted Content to use the name or likeness of each and every such identifiable individual person
  • you agree to pay for all royalties, fees, and any other monies owing any person by reason of any Submitted Content posted by you to or through the Website.

You retain all of your ownership rights in your Submitted Content. You hereby grant, and you represent and warrant that you have the right to grant to Estato a perpetual, worldwide, non-exclusive, royalty-free, sublicense able and transferable license to link to, use, reproduce, distribute, reformat, translate, prepare derivative works of, display, and perform the Submitted Content in connection with the Website and Estato’s (and its successor’s) business operations, including without limitation, for the promotion and redistribution of any part or all of the Website (and any derivative works in any media formats and through any media channels).

You also hereby grant each User of the Website a non-exclusive license to access your Submitted Content through the Website, and to use, reproduce, distribute, prepare derivative works of, display and perform such Submitted Content as permitted through the functionality of the Website and under these Terms of Use.

Estato’s Disclaimers and Right to Remove

Estato does not endorse any Submitted Content or any opinion, recommendation, or advice and Estato expressly disclaims any and all liability in connection with all Submitted Content. Estato does not permit copyright infringing activities and infringement of intellectual property rights on the Website, and Estato will remove any Data (as defined below) or Submitted Content if properly notified without prior notice as it may in its sole discretion determine. Estato may take any steps it deems fit in its sole discretion against such infringer.

Estato also reserves the right in its sole and absolute discretion to decide whether any Data or Submitted Content is appropriate and complies with these Terms of Use for any and all violations.

You acknowledge and understand that when using the Website, you will be exposed to Submitted Content from a variety of sources and that Estato is not responsible for the accuracy, usefulness, safety, or intellectual property rights of or relating to such Submitted Content. You acknowledge and understand that you may be exposed to Submitted Content that is inaccurate, offensive, indecent, or objectionable, and you agree to waive, and hereby do waive, any legal or equitable rights or remedies you have or may have against Estato, and agree to indemnify and hold Estato, its owners, members, managers, operators, directors, officers, agents, affiliates, and/or licensors, harmless to the fullest extent allowed by law regarding all matters related to your use of the Website.

You are solely responsible for the photos, profiles and other content, including, without limitation, Submitted Content, that you publish or display on or through the Website, or transmit to other Website Users. You understand and agree that Estato may, in its sole discretion and without incurring any liability, review and delete or remove any Submitted Content that violates this Terms of Use or which might be offensive, illegal, or that might violate the rights, harm, or threaten the safety of Website Users or others.

Reporting violations 

By using the Sites, you may be exposed to Material submitted, uploaded, posted or transmitted by other Users that may be offensive, indecent or objectionable. You agree that Estato is not liable for the opinions or behavior of other Users, including any Material they submit, upload, posted or transmit on the Sites and any defamatory statements or offensive conduct.

Should you believe that the behavior or Material of another User is objectionable or contrary to the Terms of Use can report the behavior or Material to Estato by using the “Report” button at the relevant place on the Sites or contacting Estato.

Termination

Estato reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Website or any part thereof with or without notice and in its sole discretion. You agree that Estato shall not be liable to you or to any third party for any modification, suspension or discontinuance of Estato’s services.

You hereby acknowledge and agree that Estato in its sole and absolute discretion has the right but not the obligation to delete, terminate, or deactivate your Account, block your email or IP address, cancel the Website or otherwise terminate your access to or participation in the use of the Website or any part thereof, or remove and discard any Submitted Content on the Website immediately and without notice and for any reason. Upon termination of your Account, your right to participate in the Website in any way shall automatically terminate. On termination your Account will be disabled and you may not be granted access to your Account or any files or other data contained in your Account. Notwithstanding the foregoing, residual data may remain in the Estato system.

Upon termination the following shall occur:

  • all licenses granted to you will immediately terminate
  • Estato shall not be liable to you or any third party for any termination of your access to the Website. Estato retains the right to use any data collected from your use of the Website
  • all related licenses you have granted Estato hereunder shall remain in effect for the foregoing purpose. In no event is Estato obligated to return any Submitted Content to you. All terms and conditions and rights in favor of Estato survive termination and remain in the full benefit of Estato

You agree to indemnify and hold Estato, and its officers, managers, members, affiliates, successor, assigns, directors, agents, service professionals, suppliers, and employees harmless from any claim or demand, including reasonable attorneys’ fees and court costs, made by any third party due to or arising out of the termination.

Intellectual Property Rights

The content on the Website (exclusive of all Submitted Content), including without limitation, the text, software, scripts, graphics, photos, sounds, music, videos, interactive features and the like (“Data”) and the trademarks, service marks and logos contained therein (“Marks”), are owned by Estato, subject to copyright and other intellectual property rights under Canadan laws and foreign laws and international conventions. Other trademarks, names and logos on this Website are the property of their respective owners.

Data on the Website is provided to you for your information and personal use only and may not be used, copied, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed, or otherwise exploited for any other purposes whatsoever without the prior written consent of the respective owners. Estato reserves all rights not expressly granted in and to the Website and the Data. You agree not to use, copy, or distribute, any of the Data other than as expressly permitted herein, including any use, copying, or distribution of Submitted Content obtained through the Website for any commercial purposes. If you download or print a copy of the Data for personal use, you must retain all copyright and other proprietary notices contained thereon. You agree not to circumvent, disable or otherwise interfere with security features of the Website or features that prevent or restrict use or copying of any Data or enforce limitations on use of the Website or the Data therein.

The Website contains Estato’s Data and Marks, which are, or may become, protected by copyright, trademark, patent, trade secret and other laws, and Estato owns and retains all rights in the Estato Data and Marks. Subject to these Terms of Use, Estato hereby grants you a limited, revocable, nontransferable, nonsublicensable license to reproduce and display the Estato Data (excluding any software source code) solely for your personal use in connection with accessing and participating in the Website. The Website may also contain Data of other Users or licensors, which you shall not copy, modify, translate, publish, broadcast, transmit, distribute, perform, display, or sell.

Fees and Taxes

Estato reserves the right at its sole discretion to charge fees to Service Customers and service professionals for any services that Estato may provide, including but not limited to fees for contacting Service Customers, responding to job leads generated by Estato, or conducting transactions with Service Customers through Estato. Estato reserves the right to charge fees for these services at its sole discretion and by using the Website, you agree to pay any such fees as Estato may prescribe from time to time.

Estato acts solely as an intermediary and is not responsible to pay any tax or comply with any laws relating to tax for any transaction, sale or service provider by any service professional to any Service Customer. You understand, acknowledge and agree that you are solely responsible for your own tax reporting and payment requirements.

Estato not Party / No Agency or Partnership

You hereby acknowledge and agree that Estato is NOT a party to any oral or written agreement for Service or any agreement or contract entered into between Service Customers and service professionals in connection with any Service offered, directly or indirectly, through the Website.

No agency, partnership, joint venture, or employment is created as a result of the Terms of Use or your use of any part of the Website, including without limitation. You do not have any authority whatsoever to bind Estato in any respect. All service professionals are independent contractors. Neither Estato nor any Users of the Website may direct or control the day-to-day activities of the other, or create or assume any obligation on behalf of the other.

Disputes

Your interactions with individuals and/or organizations found on or through the Website, including payment of and performance of any Service, and any other terms, conditions, warranties or representations associated with such transactions or dealings, are solely between you and such individual or organization. You should take reasonable precautions and make whatever investigation or inquiries you deem necessary or appropriate before proceeding with hire, payment or transaction of any kind with any party.

You understand that deciding whether to use the Services of a service professional or provide Services to a Service Customer or use information contained in any Submitted Content is your personal decision for which alone are responsible. You understand that Estato does not and cannot make representations as to the suitability of any individual you may decide to interact with on or through the Website and/or the accuracy or suitability of any advice, information, or recommendations made by any individual. In the event of any dispute between you, a Service Customer, service professional or any third party in relation to the Website, such dispute shall be resolved between you and such Service Customer, service professional or any third party and Estato shall not have or hold any responsibility, liability or obligation in relation thereof.

NOTWITHSTANDING THE FOREGOING, YOU AGREE THAT ESTATO SHALL NOT BE RESPONSIBLE OR LIABLE FOR ANY LOSS OR DAMAGE OF ANY SORT WHATSOEVER INCURRED AS THE RESULT OF ANY SUCH TRANSACTION OR DEALINGS. IF THERE IS A DISPUTE BETWEEN PARTICIPANTS ON THE WEBSITE, OR BETWEEN REGISTERED USERS OR ANY WEBSITE USER AND ANY THIRD PARTY, YOU ACKNOWLEDGE AND AGREE THAT ESTATO IS UNDER NO OBLIGATION TO BECOME INVOLVED. IN THE EVENT THAT A DISPUTE ARISES BETWEEN YOU AND ONE OR MORE WEBSITE USERS, REGISTERED USERS OR ANY THIRD PARTY, YOU HEREBY RELEASE ESTATO, ITS OFFICERS, MANAGERS, MEMBERS, DIRECTORS, EMPLOYEES, ATTORNEYS, AGENTS, AND SUCCESSORS IN RIGHTS FROM ANY CLAIMS, DEMANDS, AND DAMAGES (ACTUAL AND CONSEQUENTIAL) OF EVERY KIND OR NATURE, KNOWN OR UNKNOWN, SUSPECTED OR UNSUSPECTED, FORESEEABLE OR UNFORESEEABLE, DISCLOSED OR UNDISCLOSED, ARISING OUT OF OR IN ANY WAY RELATED TO SUCH DISPUTES AND/OR THE WEBSITE OR ANY SERVICE PROVIDED THEREUNDER.

Governing Law

These Terms of Use shall be governed by the laws of Canada and you agree to submit to the jurisdiction of the courts of Canada in the event of any claims or disputes.

Advertisements and Third Party Links

Aspects of the Website and other Estato services may be supported by advertising revenue. As such, Estato may display advertisements and promotions on the service. The manner, mode and extent of advertising by Estato on the Website are subject to change and the appearance of advertisements on the Website does not necessarily imply endorsement by Estato of any advertised products or services. You agree that Estato shall not be responsible or liable for any loss or damage of any sort incurred by you as a result of any such dealings or as the result of the presence of such advertisers on the Website.

The Website may provide, or third parties may provide, links, contact forms and/or phone numbers to other websites or resources, including, without limitation, social networking, blogging and similar websites through which you are able to log into the Website using your existing account and log-in credentials for such third-party websites. You acknowledge and agree that Estato is not responsible for the availability of such external sites or resources, and is not responsible or liable for any content, advertising, products, goods or services on or available from such websites or resources. Unless expressly stated on the Website, links to third-party sites should in no way be considered as or interpreted to be Estato’s endorsement of such third-party sites or any product or service offered through them.

You further acknowledge and agree that Estato shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, advertising, product, goods or services available on or through any such website or resource. You also acknowledge that it is your obligation to comply with any terms and conditions of any third parties that you may come into contact with either directly or indirectly through the use of the Website, and you accept all responsibility thereof. Your dealings and communications through the Website with any party other than Estato are solely between you and such third party. Any complaints, concerns or questions you have relating to materials provided by third parties should be forwarded directly to the applicable third party.

No liability for misuse by third parties

Estato does not warrant that Material submitted, uploaded, posted or transmitted by Users will be protected against misuse by third parties. In particular, Estato is not responsible for the infringement of the copyright in Material by other Users.

Competitions

Estato may run competitions from time to time on the website. All competitions will be subject to the terms and conditions specific to the competition, which are available to view on the website. To enter the competitions you must accept the terms and conditions of the contest.

Availability and Use

You must ensure that their access to, and use of, the Sites, is not illegal or prohibited by laws which apply to them or in their location.

Estato reserves the right to change or remove any feature of the Sites at any time.

Disclaimer of Warranties, Limitation of Liability and Indemnities

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT THE USE OF THE WEBSITE IS AT YOUR SOLE RISK. ESTATO, ITS OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS MAKE NO WARRANTIES AND/OR REPRESENTATIONS AND DISCLAIM ALL WARRANTIES, REPRESENTATIONS AND/OR CONDITIONS WHETHER EXPRESS OR IMPLIED ARISING OR RESULTING FROM OR UNDER AND IN CONNECTION WITH THE WEBSITE AND FROM YOUR USE OR INABILITY TO USE THEREOF INCLUDING BUT NOT LIMITED TO:-

  • THE ACCURACY, COMPLETENESS, MERCHANTABILITY, SATISFACTORY QUALITY, UNINTERRUPTED OR ERROR-FREE SERVICE OR OPERATION, CONTINUITY AND AVAILABILITY OF SERVICE OR OPERATION, COMPATIBILITY AND USABILITY WITH THIRD PARTY OR OTHER SERVICES, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, AND NON-INFRINGEMENT OF THIRD PARTY RIGHTS OF THE WEBSITE OR ANY SERVICE THAT ESTATO PROVIDES
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YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL ESTATO, ITS OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, GENERAL, PUNITIVE, EXEMPLARY, CONSEQUENTIAL DAMAGES OR ANY FORM OF DAMAGE, LOSS OR INJURY IN ANY FORM WHATSOEVER (INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, CORRUPTION OR LOSS OF DATA, FAILURE IN TRANSMISSION OF DATA OR BUSINESS INTERRUPTION REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT OR OTHERWISE) ARISING OR RESULTING FROM OR UNDER AND IN CONNECTION WITH THE WEBSITE AND FROM YOUR USE OR INABILITY TO USE THEREOF, INCLUDING BUT NOT LIMITED TO:-

  • THE ACCURACY, COMPLETENESS, MERCHANTABILITY, SATISFACTORY QUALITY, UNINTERRUPTED OR ERROR-FREE SERVICE OR OPERATION, CONTINUITY AND AVAILABILITY OF SERVICE OR OPERATION, COMPATIBILITY AND USABILITY WITH THIRD PARTY OR OTHER SERVICES, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, AND NON-INFRINGEMENT OF THIRD PARTY RIGHTS OF THE WEBSITE;
  • ANY ERRORS, MISTAKES, OMISSIONS OR INACCURACIES IN ANY MATERIAL, CONTENT, MESSAGE, TRANSMISSION OR ACT, WHETHER POSTED, EMAILED, TRANSMITTED, SUBMITTED, ADVERTISED, OFFERED OR OTHERWISE MADE AVAILABLE IN THE WEBSITE (WHETHER BY ESTATO OR ANY THIRD PARTY THROUGH THE WEBSITE, ANY WEBSITE, SUBMISSIONS OR ANY OTHER MEANS);
  • ANY UNAUTHORIZED ACCESS TO OR USE OF THE WEBSITE OR ESTATO’S SERVERS, DATA OR INFORMATION;
  • ANY CESSATION, TERMINATION OR DISTURBANCE OF TRANSMISSION TO OR FROM THE WEBSITE;
  • ANY COMPUTER VIRUSES, WORMS, TROJAN HORSES OR OTHER MALWARE OR BY TRESPASS OR BURDENING NETWORK CAPACITY WHETHER TRANSMITTED TO OR THROUGH THE WEBSITE WHETHER DUE TO THE ACTIONS OF ANY THIRD PARTIES OR OTHERWISE;
  • ANY TRANSACTION OR TRANSMISSION BETWEEN YOU AND ANY THIRD PARTY PROVIDER OF PRODUCTS OR SERVICES OF ANY KIND IN ANY MEDIUM WHATSOEVER;
  • ANY HARASSMENT, ABUSE, STALKING, THREATENING, DEFAMATORY, OFFENSIVE, INFRINGING, VIOLATING OR ILLEGAL SUBMISSION, MATERIAL, CONTENT, MESSAGE, TRANSMISSION OR ACT BY ANY USER OF THE WEBSITE OR OTHERWISE.

YOU AGREE TO INDEMNIFY AND HOLD HARMLESS TO THE FULLEST EXTENT ALLOWED BY LAW, ESTATO, ITS OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS FROM AND AGAINST ANY AND ALL CLAIMS, DAMAGES, OBLIGATIONS, LOSSES, LIABILITIES, COSTS, DEBTS AND/OR EXPENSES OF ANY NATURE WHATSOEVER ARISING FROM YOUR USE OF THE WEBSITE, YOUR BREACH AND/OR VIOLATION OF ANY TERM OF THESE TERMS OF USE, YOUR BREACH AND/OR VIOLATION OF ANY THIRD PARTY RIGHT OF ANY NATURE WHATSOEVER, INCLUDING BUT NOT LIMITED TO COPYRIGHT, INTELLECTUAL PROPERTY, PROPERTY AND/OR PRIVACY RIGHTS.

Copyright

Copyright in the material in this website is owned by Estato or its licensors.

You may download information from theSites and print out that information, but only for their own private, non-commercial use. Otherwise, except as permitted by the prevailing laws and regulations regarding Intellectual Property Rights in Canada, no part of the Sites (including any Material posted on this website) may be reproduced, copied, published, framed, or transmitted in any form or by any means without the prior written consent of Estato. Requests for consent should be directed to Estato.

Intellectual Property

We (or our associated or affiliated companies or third parties who have licensed its brands to Estato or contributed to the Sites) (“Content Owner“) own, license or have permission to use from third parties all content of the Sites. All content of the Sites remains the sole property of the applicable Content Owner and is protected under all relevant copyright, trademark and other applicable laws. Nothing on the Sites should be construed as granting any license or rights to use or distribute any content of the Sites outside of the Sites, without our express written agreement or of the other applicable Content Owner.

Jurisdiction

The content, operation and interpretation of this website and the Terms of Use will be governed by the laws of Canada. You agree to submit to the non-exclusive jurisdiction of the Courts of Canada in the event of a dispute arising out of, or in connection with, this website.

Changes to these terms and conditions

Estato may amend these terms and conditions from time to time by posting the amended version on this website. It is your responsibility to check these terms and conditions periodically for changes. Subsequent or continuing use of the Sites will constitute acceptance of any changes.

If any part of the Terms of Use is or becomes void, it will not affect the validity and enforceability of the remaining provisions. The void part will be replaced by provisions that are valid and have an effect as close as possible to the effect of the void part.

Entire Terms

The Terms of Use, together with the Privacy Policy and any other legal notices or Additional Policies published by Estato on the Website, shall constitute the entire agreement between you and Estato concerning the Website. If any provision of the Terms of Use is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of the Terms of Use, which shall remain in full force and effect.