Terms & Conditions
Effective Date: January 1, 2025
1. Introduction
Welcome to Conixi.com Inc., an advertising company headquartered in Ontario, Canada. By accessing or using our website and services, you agree to these Terms and Conditions and our Privacy Policy.
2. Nature of Services
Conixi.com Inc. is an independent third-party advertising and sourcing platform. We are not a financial services provider and do not provide financial advice, underwrite, broker, or administer mortgage or lending products. We promote and connect users with independent licensed financial service providers.
3. Licensing and Compliance
Conixi.com Inc. is not a mortgage brokerage, mortgage broker, or agent. Mortgage-related services promoted through the platform are provided by independent licensed mortgage professionals subject to applicable Canadian and provincial regulation. Conixi operates as an advertising and referral platform and follows applicable referral requirements.
4. No Financial or Legal Advice
Website content is provided for general informational and advertising purposes only. Consult an appropriately licensed professional before making financial or legal decisions.
5. Third-Party Links and Content
Third-party links are provided for convenience. Conixi is not responsible for the content, accuracy, or practices of third-party websites or providers.
6. User Responsibilities
- Provide accurate and truthful information.
- Use the services only for lawful purposes.
- Do not interfere with or misuse the website or its functionality.
7. Privacy and Data Protection
Personal information is handled according to the Privacy Policy below and applicable privacy requirements.
8. Disclaimer and Limitation of Liability
Conixi strives to keep information current but does not guarantee its accuracy, completeness, or reliability. To the extent permitted by law, Conixi is not responsible for losses arising from use of the platform or third-party services obtained through it.
9. Indemnification
Users agree to indemnify and hold harmless Conixi.com Inc., its affiliates, officers, directors, and employees from claims arising from misuse of the services or violation of these terms.
10. Modifications
These terms may be updated from time to time. Changes take effect when posted with an updated effective date.
11. Marketing and Communications
Where permitted and consented to, Conixi.com Inc. and related Zerida Group companies may contact users by email, phone, text, or other means regarding products, services, promotions, or information. Marketing communications may be opted out of without affecting necessary service communications.
12. Governing Law
These terms are governed by the laws of Ontario and the applicable federal laws of Canada.
13. Contact
Questions about these terms can be directed to support@conixi.com.
Privacy Policy
Effective Date: January 1, 2025
Information We Collect
Conixi may collect contact information, inquiry details needed to support advertising and referral services, and technical information such as IP address, browser/device data, and pages visited.
How Information Is Collected
Information may be provided directly by you, collected through website technologies, or received from partners where appropriate consent has been provided.
How We Use Information
- Connect users with relevant financial service providers.
- Deliver and improve advertising and website services.
- Communicate service or promotional updates where consent applies.
- Meet legal and regulatory obligations.
Consent and Sharing
Conixi does not sell personal data. Information may be shared with financial service providers you choose to connect with, operational service providers, or where required by law. Consent may be withdrawn subject to legal or contractual limitations.
Security and Retention
Reasonable administrative, technical, and physical safeguards are used to protect information. Data is retained only as long as reasonably necessary or required by law.
Your Rights
Applicable Canadian privacy law may provide rights to access or correct personal information and withdraw consent. Privacy requests can be sent to privacy@conixi.com.
Cookie Policy and User Agreement
Effective Date: January 1, 2025
How Cookies Are Used
Conixi uses cookies and similar technologies to support website operation, remember preferences, understand usage, improve performance, and where applicable support advertising.
Types of Cookies
- Essential cookies required for website operation and security.
- Analytics and performance cookies used to understand website usage.
- Functionality cookies used to remember settings and preferences.
- Marketing and advertising cookies used where applicable and permitted.
Managing Cookies
Most browsers allow you to control, block, or delete cookies. Disabling some cookies may affect website functionality or your experience.
Contact
Questions about cookies, privacy, or these policies can be directed to support@conixi.com.