Terms of Service
Subject and Acceptance of Terms
Welcome to North Porch Paper. These Terms of Service ("Terms") constitute a legally binding agreement between you and North Porch Paper regarding your access to and use of our website and its content focused on credit score structural integrity and account closure analysis.
By accessing this website, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as all applicable laws and regulations in the province of Quebec and the federal laws of Canada. If you do not agree with any of these terms, you are prohibited from using or accessing this site.
Description of Services
North Porch Paper provides educational resources, technical guides, and analytical frameworks concerning the impact of credit account closures on consumer credit scores. Our services include:
- Technical analysis of credit account geometry.
- Structural failure reporting in credit reporting systems.
- Mitigation strategies for credit score preservation.
- Database of regional regulatory frameworks specific to Montreal and broader Canada.
All information provided is for educational purposes only and should not be interpreted as a guarantee of specific credit score outcomes.
Rules of Use and Prohibitions
As a condition of your use of the site, you warrant to North Porch Paper that you will not use the site for any purpose that is unlawful or prohibited by these Terms. You may not:
- Use the site in any manner that could damage, disable, overburden, or impair the site.
- Attempt to gain unauthorized access to any part of the website or its underlying systems.
- Use automated scripts or "bots" to harvest data from our technical guides or case studies.
- Circumvent any technological measures implemented by North Porch Paper to protect the service.
- Engage in any conduct that restricts or inhibits any other user from using or enjoying the site.
Intellectual Property
All content included on this site, such as text, graphics, logos, images, and the compilation thereof, is the property of North Porch Paper or its content suppliers and is protected by Canadian and international copyright laws. The specific "Credit Architecture" terminology and structural analysis methodologies presented are proprietary.
You are granted a non-exclusive, non-transferable, revocable license to access and use the site strictly in accordance with these Terms. No part of the content may be reproduced, distributed, or transmitted in any form without the express written consent of North Porch Paper.
Disclaimer of Warranties
Notice to Users:
The materials on North Porch Paper's website are provided on an 'as is' basis. North Porch Paper makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.
Furthermore, North Porch Paper does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.
Limitation of Liability
In no event shall North Porch Paper or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on North Porch Paper's website, even if North Porch Paper or a North Porch Paper authorized representative has been notified orally or in writing of the possibility of such damage.
Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you. However, to the maximum extent permitted by the laws of Quebec, our liability is strictly limited.
Applicable Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the Province of Quebec and the federal laws of Canada applicable therein, without regard to its conflict of law provisions.
Any dispute arising out of or related to these Terms or the use of the site shall be submitted to the exclusive jurisdiction of the courts located in the judicial district of Montreal, Quebec. You hereby waive any objection to such jurisdiction and venue.
In compliance with the Act respecting the protection of personal information in the private sector (Quebec) and the Personal Information Protection and Electronic Documents Act (PIPEDA) (Canada), we ensure your data is handled according to the highest standards of Canadian privacy law.
Changes to Terms
North Porch Paper reserves the right, in its sole discretion, to change the Terms under which the website is offered. The most current version of the Terms will supersede all previous versions. We encourage you to periodically review the Terms to stay informed of our updates.
Contact Information
If you have any questions regarding these Terms, you may contact North Porch Paper using the information below: