Terms of Service

1. Acceptance of Terms

By accessing or using the NorthSignal Digital website (the "Website"), located at the domain associated with this page, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not use the Website or any of the services, content, or features we provide.

These Terms constitute a legally binding agreement between you ("User," "you," or "your") and NorthSignal Digital ("Company," "we," "us," or "our"), a business registered at 350 Bay Street, Suite 700, Toronto, ON M5H 2S6, Canada.

You represent and warrant that you are at least 18 years of age, or the age of majority in your jurisdiction, whichever is greater. If you are accessing the Website on behalf of a company, organization, or other legal entity, you represent that you have the authority to bind that entity to these Terms, and references to "you" include that entity.

Your continued use of the Website after any changes to these Terms constitutes your acceptance of the revised Terms. We encourage you to review this page periodically to stay informed about your rights and obligations.

2. Description of Services

NorthSignal Digital is a digital media intelligence and business insights platform that produces editorial content, research briefings, case study libraries, and analytical reports focused on the Canadian market. Our content is designed primarily for digital agencies, creative studios, IT consultancies, and technology service providers operating in Canada.

Our services include but are not limited to:

• Weekly and quarterly briefings covering digital media trends, payment technology developments, and regulatory compliance updates relevant to the Canadian market
• Case study libraries featuring replicable frameworks, measurable outcomes, and toolkits from agencies and IT firms
• Bilingual content published in both English and French to serve the full Canadian market
• A contact inquiry system through which users can request tailored content recommendations

NorthSignal Digital is a research and content platform. We do not provide personalized consulting, financial advisory, legal counsel, or investment management services. Content published on this Website should not be treated as a substitute for professional advice specific to your business situation.

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice, though we will make reasonable efforts to communicate significant changes to active users.

3. User Obligations

When using the Website, you agree to the following obligations:

• Lawful Use: You will use the Website only for lawful purposes and in compliance with all applicable federal, provincial, and local laws and regulations in Canada and your jurisdiction of residence.
• No Scraping or Automated Access: You will not use bots, crawlers, scrapers, or any automated tool to access, extract, download, or index content from the Website without our prior written consent. This includes data mining, harvesting email addresses, or systematically downloading articles and reports.
• No Impersonation: You will not impersonate any person or entity, or falsely state or misrepresent your affiliation with any person or entity when interacting with the Website or submitting information through our contact forms.
• No Interference: You will not attempt to interfere with, disrupt, or compromise the integrity or security of the Website, its servers, or any networks connected to the Website. This includes attempting to gain unauthorized access to any portion of the Website or any systems or networks connected to it.
• No Illegal Activity: You will not use the Website to transmit any material that is unlawful, harmful, threatening, abusive, defamatory, vulgar, obscene, or otherwise objectionable.
• Accurate Information: When submitting information through any form on the Website, you agree to provide accurate, current, and complete information.

We reserve the right to investigate and take appropriate legal action against anyone who violates these obligations, including reporting suspected violations to law enforcement authorities and cooperating with investigations.

4. Intellectual Property

All content, materials, and intellectual property available on the Website, including but not limited to text, articles, briefings, case studies, reports, graphics, logos, icons, images, audio clips, digital downloads, data compilations, software, and the overall design and layout of the Website, are the property of NorthSignal Digital or its content licensors and are protected by Canadian and international copyright, trademark, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website and its content for your personal, non-commercial reference and internal business research purposes only. This license does not include the right to:

• Republish, distribute, or publicly display any content from the Website without our written permission
• Modify, adapt, translate, or create derivative works based on any content
• Sell, resell, license, sublicense, or commercially exploit access to the Website or its content
• Remove any copyright, trademark, or other proprietary notices from any content
• Frame or mirror any portion of the Website on any other server or internet-based device

The NorthSignal Digital name, logo, and all related marks are trademarks of NorthSignal Digital. You may not use these marks without our prior written consent. All other trademarks, service marks, and trade names referenced on the Website are the property of their respective owners.

5. Disclaimers

The Website and all content, materials, information, services, and features provided on or through the Website are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied.

To the fullest extent permitted by applicable law, NorthSignal Digital disclaims all warranties, express or implied, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties that the Website will be uninterrupted, timely, secure, or error-free
• Warranties that the content or information provided will be accurate, reliable, complete, or current
• Warranties that any defects in the Website will be corrected
• Warranties regarding the results that may be obtained from use of the Website

The content published on this Website is for informational and educational purposes only. It does not constitute financial, legal, investment, tax, or professional advice. Digital media strategies, payment technology implementations, and regulatory compliance approaches vary based on individual business circumstances. You should consult qualified professionals before making business decisions based on content you read here.

NorthSignal Digital does not guarantee specific outcomes from applying any strategies, frameworks, or recommendations discussed in our publications. Past performance of any technique, tool, or technology referenced does not guarantee future results.

6. Limitation of Liability

To the maximum extent permitted by applicable law, NorthSignal Digital, its directors, officers, employees, agents, partners, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, data, business opportunities, or goodwill
• Cost of procuring substitute goods or services
• Any damages arising from your use of or inability to use the Website
• Any damages arising from unauthorized access to or alteration of your transmissions or data
• Any damages arising from statements or conduct of any third party on the Website
• Any other matter relating to the Website or these Terms

This limitation applies regardless of the theory of liability, whether based on warranty, contract, tort (including negligence), strict liability, or any other legal theory, and whether or not NorthSignal Digital has been advised of the possibility of such damages.

In no event shall our total cumulative liability to you for all claims arising from or related to the Website or these Terms exceed the greater of one hundred Canadian dollars (CAD $100.00) or the total amount you have paid to NorthSignal Digital, if any, during the twelve (12) months preceding the claim. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

7. Indemnification

You agree to indemnify, defend, and hold harmless NorthSignal Digital, its directors, officers, employees, agents, partners, licensors, and affiliates from and against any and all claims, demands, actions, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to:

• Your use of or access to the Website
• Your violation of these Terms
• Your violation of any rights of a third party, including intellectual property, privacy, or publicity rights
• Any content or information you submit to or through the Website
• Your violation of any applicable law, regulation, or ordinance

This indemnification obligation will survive the termination or expiration of these Terms and your use of the Website. NorthSignal Digital reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you agree to cooperate with our defense of such claims.

8. Third-Party Links and Resources

The Website may contain links to third-party websites, services, or resources that are not owned or controlled by NorthSignal Digital. These links are provided for your convenience and reference only. We do not endorse and are not responsible for the content, products, services, privacy practices, or policies of any third-party websites or resources.

You acknowledge and agree that NorthSignal Digital is not responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, goods, or services available on or through any third-party websites or resources.

We strongly recommend that you review the terms of service and privacy policies of any third-party websites you visit through links on our Website. Your interactions with third-party websites are solely between you and the relevant third party.

9. Privacy

Your use of the Website is also governed by our Privacy Policy, which is available at /privacy/. The Privacy Policy explains how we collect, use, store, and protect your personal information when you use our Website. By using the Website, you consent to the collection and use of your information as described in the Privacy Policy.

We encourage you to read the Privacy Policy carefully before submitting any personal information through the Website. The Privacy Policy is incorporated into and forms part of these Terms.

10. Governing Law and Jurisdiction

These Terms and any disputes arising from or related to these Terms or your use of the Website shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.

You agree that any legal action or proceeding arising out of or related to these Terms or the Website shall be brought exclusively in the courts of competent jurisdiction located in the City of Toronto, Province of Ontario, Canada. You hereby consent to the personal jurisdiction and venue of such courts and waive any objection to such jurisdiction or venue on the grounds of inconvenient forum or otherwise.

If you are accessing the Website from a jurisdiction outside of Canada, you do so at your own initiative and are responsible for compliance with local laws to the extent that local laws are applicable. Nothing in these Terms shall be construed as creating any rights enforceable by any person who is not a party to these Terms.

11. Dispute Resolution

In the event of any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, or the use of the Website (collectively, "Disputes"), the parties agree to first attempt to resolve the Dispute informally.

You agree to contact NorthSignal Digital at [email protected] with a written description of your Dispute and your proposed resolution. We will make reasonable efforts to resolve the Dispute through good-faith negotiation within thirty (30) calendar days of receiving your notice.

If the Dispute cannot be resolved informally within the thirty-day period, either party may pursue resolution through binding arbitration administered by the ADR Institute of Canada in accordance with its Arbitration Rules. The arbitration shall take place in Toronto, Ontario, Canada, and shall be conducted in the English language. The decision of the arbitrator shall be final and binding upon both parties.

Notwithstanding the above, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights, confidentiality obligations, or other proprietary rights.

12. Termination

NorthSignal Digital reserves the right, at its sole discretion, to suspend, restrict, or terminate your access to the Website at any time and for any reason, including but not limited to:

• Violation of these Terms or any applicable law
• Conduct that we determine, in our sole discretion, is harmful to other users, the Website, or the interests of NorthSignal Digital
• Request by law enforcement or other government agencies
• Unexpected technical or security issues
• Extended periods of inactivity

We may take these actions without prior notice to you. Upon termination, your right to use the Website will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including without limitation ownership provisions, warranty disclaimers, indemnification obligations, and limitations of liability.

You may discontinue your use of the Website at any time. If you wish to have any personal data we hold about you deleted, please submit a request as described in our Privacy Policy.

13. Changes to These Terms

NorthSignal Digital reserves the right to update, modify, or replace these Terms at any time. When we make material changes, we will update the "Last Updated" date at the top of this page and post a notice on the Website homepage for a minimum of fourteen (14) days before the changes take effect.

We encourage you to review these Terms periodically to stay informed about any changes. Changes to these Terms are effective when they are posted on this page, subject to the fourteen-day notice period for material changes.

Your continued use of the Website following the posting of revised Terms means that you accept and agree to the changes. If you do not agree to the revised Terms, you must stop using the Website immediately.

14. Contact Information

If you have any questions, concerns, or comments about these Terms of Service, please contact us at:

15. Severability and Miscellaneous

If any provision of these Terms is found to be unlawful, void, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, it shall be severed from these Terms without affecting the validity and enforceability of the remaining provisions.

The failure of NorthSignal Digital to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. No waiver of any term shall be deemed a further or continuing waiver of such term or any other term.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and NorthSignal Digital regarding your use of the Website, and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website.

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. NorthSignal Digital may assign its rights and obligations under these Terms without restriction. These Terms will be binding upon and inure to the benefit of the parties, their successors, and permitted assigns.