Mogo.ca PRODUCTS COMPANY BLOGHELP LOG INSIGN UP FOR FREE Terms of Use and MogoAccount Terms & Conditions Last Updated: November 9, 2021 These Terms of Use and MogoAccount Terms and Conditions (collectively, this “Agreement)” set forth the terms and conditions that apply to your access and use of www.mogo.ca (the “Mogo Website”) and the MogoAccount via the Mogo Website and Mogo’s mobile app (the “Mogo App”) as owned and operated by Mogo Finance Technology Inc. and its subsidiaries and/or affiliates. Mogo Finance Technology Inc., its subsidiaries, affiliates and, except as otherwise set out in this Agreement, its third-party partners (where you have applied for or obtained a product or service offered by a third party partner such as a Partner Lender) are collectively referred to in this Agreement as “Mogo”, “we” or “us”, and the Mogo Website, MogoAccount and Mogo App are collectively referred to in this Agreement as “Mogo Services”. As used in this Agreement, the term "Site" includes all Mogo Services websites, including without limitation, the Mogo Website, pages that are associated or within each website and all devices, applications or services that Mogo operates or offers that link to this Agreement. By accepting electronically (for example, clicking “Sign Me Up” or “Continue”), installing, accessing or using the Mogo Services, you agree to be bound by the terms and conditions of this Agreement and Mogo’s Privacy Policy, as they may be amended from time to time in the future (see Section 20 below). If you do not agree to this Agreement, then you may not use the Mogo Services and must leave the Site immediately. Acceptance of Agreement By using the information, tools, features, software and functionality including content, updates and new releases provided by Mogo, of the Mogo Services, you agree to be bound by this Agreement, whether you are a “visitor” (which means that you simply browse the Site), or a “customer” (which means that you have registered for a MogoAccount with us). The term “you” refers to you in your capacity as a visitor and/or a customer. If you wish to become a customer or want to make use of the Mogo Services, you must read and accept this Agreement. You may not use any of the Mogo Services and you may not accept this Agreement if you are not legally authorized to accept and be bound by these terms or are not at least the age of majority in your province or territory of residence and, in any event, of a legal age to form a binding contract with Mogo. Before you continue, you should print or save a local copy of this Agreement for your records. Terms of Use Privacy and Your Personal Information We treat privacy very seriously. Any personal information you provide to us in connection with the Mogo Services will be dealt with as described in our Privacy Policy. You can view our Privacy Policy here and on the Site. You agree to the Privacy Policy, and any changes published by Mogo. You agree that Mogo may use and maintain your personal information according to the Privacy Policy, as part of the Mogo Services. You give Mogo permission to combine information you enter or upload for the Mogo Services with that of other users of the Mogo Services and/or other Mogo products and services. For example, this means that Mogo may use your and other users’ non-identifiable, aggregated data to improve the Mogo Services or to design promotions. Mogo may access or store personal information in multiple countries, including countries outside of your own country, to the extent permitted by applicable law. If you apply for or take out a product or service that is offered through a third-party provider (such as a Partner Loan from a Partner Lender, described below), then you may be required to review and consent to that third-party provider’s privacy policy. If this occurs, then that third-party provider’s privacy policy (and not the Mogo Privacy Policy) will dictate how the third-party provider uses, stores and shares your personal information. Mogo’s Privacy Policy will continue to dictate how Mogo uses, stores and shares your personal information. Description of the Mogo Services The Mogo Services include access to the MogoAccount which includes a free Rewards Account, and which currently provides instant access to six innovative products to eligible MogoAccount holders: a free credit score with free monthly credit score monitoring (“Credit Score Monitoring”), a digital mortgage experience (“MogoMortgage”), MogoSpend (“MogoSpend”) that comes with a free Mogo Visa* Platinum Prepaid Card (the “MogoCard”), with no monthly fee, an instant decision on a pre-approval on a personal loan from Mogo (“MogoMoney”) or a loan from a Partner Lender (a “Partner Loan”), a free service that monitors your Equifax credit bureau daily for hard inquiries (“MogoProtect”), and the ability to buy and sell cryptocurrency (“MogoCrypto”). The Mogo Services are provided to you by Mogo without charge (they are free) and are meant to provide you with a new way to manage your finances through Mogo’s multi-product digital platform designed to help consumers get in control of their financial health. Certain products may not be available in all provinces and territories. The Mogo Services may also present you information relating to third party products or services (“Mogo Offers”) that you may be interested in. The Mogo Services may also provide you general tips, recommendations and educational material. Permitted Use of the Site Anyone is welcome to visit and browse the Site. Only persons who are resident in a Canadian province or territory where Mogo does business and are at least the age of majority in their province or territory of residence may apply for any account, product or services available on or through the Site, including without limitation, a MogoAccount, and by so applying you represent and warrant to Mogo that you meet those qualifications. You may not enter any false, fraudulent, indecent, obscene, profane or otherwise inappropriate information into any application or other data entry form or page located on or through the Site, and you represent, warrant and agree that you will enter only true and accurate information into any form or page related to the Site, you will keep such information updated, and that you will use the Site only in compliance with all applicable laws. You acknowledge and agree that Mogo does and will cooperate with law enforcement officials and agencies in any investigation of potential or alleged violations of any applicable law. You acknowledge and agree that Mogo may investigate (or have investigated on its behalf) allegations of infringement of third party rights or abuse or any other inappropriate use of the Site. Mogo Offers and Hyperlinks to Third Party Sites Some parts of the Mogo Services are supported by sponsored links from advertisers. The Mogo Services may display Mogo Offers that may be custom matched to you based on information stored in the Mogo Services, queries made through the Mogo Services or other information. We may disclose when a particular Mogo Offer is sponsored or otherwise provided by a third party. The Mogo Services contain various links to third party websites. These are provided solely for your convenience, and Mogo does not endorse such websites or the products or services offered by them. You should review the terms of use, privacy policy, and other agreements contained on any such third party website before using such third party websites or acquiring any product or service from them, or providing any personal information to them. YOU ACKNOWLEDGE AND AGREE THAT MOGO WILL NOT BE RESPONSIBLE OR LIABLE FOR ANY LOSSES OR DAMAGES WHATSOEVER THAT YOU MAY SUFFER IN RELATION TO THE USE OF ANY THIRD PARTY WEBSITE OR ANY PRODUCT OR SERVICE OFFERED THEREON. Your Registration Information You agree and understand that you are responsible for maintaining the confidentiality of your password which, together with your login e-mail address, allows you to access your MogoAccount. That login email address and password, together with any mobile number or other information you provide form your “Registration Information.” If you become aware of any unauthorized use of your Registration Information for the Mogo Services, you agree to notify Mogo immediately. If you believe that your Registration Information or device that you use to access the Mogo Services has been lost or stolen or that someone is using your MogoAccount without your permission, you must notify Mogo immediately in order to minimize your possible losses by using the online chat option on the Site or by writing to us at Mogo Finance Technology Inc., PO Box 2419 Station Main, Winnipeg, Manitoba R3C 4A7. Your Use of the Mogo Services Your right to access and use the Site and the Mogo Services is personal to you and is not transferable by you to any other person or entity. You are only entitled to access and use the Site and Mogo Services for lawful purposes. Accurate records enable Mogo to provide the Mogo Services to you. You must provide true, accurate, current and complete information about your accounts maintained at other websites, as requested in our Link Bank feature, and you may not misrepresent your Registration Information. In order for the Mogo Services to function effectively, you must also keep your Registration Information up to date and accurate. If you do not do this, the accuracy and effectiveness of the Mogo Services will be affected. You represent that you are the legal owner of, and that you are authorized to provide us with, all Registration Information and other information necessary to facilitate your use of the Mogo Services. Your access and use of the Mogo Services may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of the Mogo Services or other actions that Mogo, in its sole discretion, may elect to take. In no event will Mogo be liable to any party for any loss, cost, or damage that results from any scheduled or unscheduled downtime. Your sole and exclusive remedy for any failure or non-performance of the Mogo Services, including any associated software or other materials supplied in connection with such services, will be for Mogo to use commercially reasonable efforts to effectuate an adjustment or repair of the applicable service. From time to time, Mogo may include new and/or updated pre-release features (the “Beta Features”) in the Mogo Services for your use and which permit you to provide feedback. You understand and agree that your use of the Beta Features is voluntary and Mogo is not obligated to provide you with any Beta Features. Furthermore, if you decide to use the Beta Features, you agree to abide by any rules or restrictions Mogo may place on them. You understand that once you use the Beta Features, you may be unable to revert back to the earlier version of the same or similar feature. Additionally, if such reversion is possible, you may not be able to return or restore data created within the Beta Features back to the earlier version. The Beta Features are provided on an “as is” basis and may contain errors or inaccuracies that could cause failures, corruption or loss of data and/or information from any connected device. You acknowledge and agree that all use of the Beta Features is at your sole risk. Use with Your Mobile Device Use of the Mogo Services may be available through a compatible mobile device, Internet and/or network access and may require software. You agree that you are solely responsible for these requirements, including any applicable changes, updates and fees as well as the terms of your agreement with your mobile device and telecommunications provider. MOGO MAKES NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, EXPRESS, STATUTORY OR IMPLIED AS TO: (A) THE AVAILABILITY OF TELECOMMUNICATION SERVICES FROM YOUR PROVIDER AND ACCESS TO THE MOGO SERVICES AT ANY TIME OR FROM ANY LOCATION; (B) ANY LOSS, DAMAGE, OR OTHER SECURITY INTRUSION OF THE TELECOMMUNICATION SERVICES; AND (C) ANY DISCLOSURE OF INFORMATION TO THIRD PARTIES OR FAILURE TO TRANSMIT ANY DATA, COMMUNICATIONS OR SETTINGS CONNECTED WITH THE MOGO SERVICES. Intellectual Property Ownership; Use, and Limits on Use, of Site Content Unless otherwise specified, the Site and all of its elements and contents, including without limitation all graphics, text, logos and elements of design and layout of the Site, and its general look and feel (the “Mogo Content”) are subject to copyright, trade mark, and other laws protecting intellectual property, and Mogo reserves all such rights. You agree not to intentionally, and to take all reasonable steps not to inadvertently, alter, corrupt, delete or add to the Site or any of the Mogo Content, or to alter or interfere with or attempt to alter or interfere with the operation of the Site, or to transmit or otherwise install or deliver to the Site any virus, worm or other damaging, invasive or disabling computer code that may control, monitor or otherwise affect the operation of the Site. Except as specified in this Agreement or as otherwise agreed by Mogo in writing, you may not save, copy, print, display, reproduce, distribute, publish, license, resell, modify or create derivative works from, any Mogo Content, or otherwise use in any MogoContent in any manner not expressly permitted herein. Despite the previous paragraph, without waiving its copyright or any other proprietary rights in any such material, Mogo hereby grants you a fully revocable, non-exclusive license to view and print agreement terms, documents and agreement-related information visible on the Site, provided that: (a) such material may only be used for non-commercial/informational purposes; (b) subject to paragraph (c), you may not modify any such material from the form in which it prints directly from the Site, and must retain any copyright or other proprietary notices visible on the Site; (c) if you distribute any copy of such material as permitted by this clause, each copy which you distribute contains or has attached a copy of this Agreement and the Privacy Policy in their respective entireties; (d) you may not resell or otherwise charge any amount for providing such material to any other person; and (e) upon notice from Mogo of revocation of this license in writing or otherwise, you (and any person to whom you have at that time distributed a copy of any such material) will immediately cease the use of, and destroy, all such copies, except as may be required by law. Further, automated or systematic downloading or retrieval of any Mogo Content from the Site is prohibited, as are your use of the Site to sell a product or service or to increase traffic to your website for commercial reasons. Availability of Site, Products and Services The Site is visible across the world wide web and can therefore be viewed outside of Mogo’s home jurisdiction. The mere fact that you can view the Site from your jurisdiction does not imply that the products or services described on the Site are now, or will in future be, available in your jurisdiction. Access and Interference You agree that you will not: Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Mogo Services or any portion of the Mogo Services, without Mogo’s express written consent, which may be withheld in Mogo’s sole discretion; Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including, without limitation, browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Mogo Services, other than the search engines and search agents available through the Mogo Services and other than generally available third party web browsers (such as Microsoft Explorer or Safari); Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interfere with the proper working of the Mogo Services; Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Mogo Services; or Attempt to gain unauthorized access to any portion of the Mogo Services. Rules for Posting As part of the Mogo Services, Mogo may allow you to post content on blogs and at various other publicly available locations on the Site. These forums may be hosted by Mogo or by one of our third party service providers on Mogo’s behalf. You agree in posting content to follow the following rules: You are responsible for all content ("Your Content") you submit, upload, post or store through your use of the Mogo Services or the Site. You grant Mogo a worldwide, royalty-free, non-exclusive license to host and use any of Your Content provided through your use of the Mogo Services. Archive Your Content frequently. You are responsible for any of Your Content that is lost or unrecoverable. You must provide all required and appropriate warnings, information and disclosures. Mogo is not responsible for Your Content or data you submit through the Mogo Services. You have full responsibility for your Content, including its legality, reliability, appropriateness, originality, and copyright. By submitting Your Content to us, you represent that you have all necessary rights and hereby grant us a perpetual, worldwide, non-exclusive, royalty-free, sublicenseable and transferable license to use, reproduce, distribute, prepare derivative works of, modify, display, and perform all or any portion of Your Content in connection with the Mogo Services and our business, including without limitation, in future modifications of the Mogo Services, Beta Features, other products or services, and for promoting and redistributing part or all of the Site and the Mogo Services in any media formats and through any media channels. You also hereby grant each visitor a non-exclusive license to access Your Content through the Site, and to use, reproduce, distribute, prepare derivative works of, display and perform Your Content as permitted through the functionality of the Mogo Services and under this Agreement. You agree not to use, nor permit any third party to use, the Mogo Services to: (a) post or transmit any message which is libelous or defamatory, or which discloses private or personal matters concerning any person; (b) post or transmit any message, data, image or program that is indecent, obscene, pornographic, harassing, threatening, abusive, hateful, racially or ethnically offensive, that encourages conduct that would be considered a criminal offense, give rise to civil liability or violate any law, or that is otherwise inappropriate; (c) post or transmit any message, data, image or program that would violate the property rights of others, including unauthorized copyrighted text, images or programs, trade secrets or other confidential proprietary information, and trademarks or service marks used in an infringing fashion; or (d) interfere with other visitors’ and customers’ use of the Mogo Services, including, without limitation, disrupting the normal flow of dialogue in an interactive area of the Site, deleting or revising any content posted by another person or entity, or taking any action that imposes a disproportionate burden on the Mogo Services infrastructure or that negatively affects the availability of the Mogo Services to others. Except where expressly permitted, you may not post or transmit charity requests, petitions for signatures, franchises, distributorship, sales representative agency arrangements, or other business opportunities (including offers of employment or contracting arrangements), club memberships, chain letters, or letters relating to pyramid schemes, or any advertising, promotional materials or any other solicitation of other users to use goods or services. The Mogo Services may include a community forum or other social features to exchange information with other users of the Mogo Services and the public. Mogo does not support and is not responsible for the content in these community forums. Please use respect when you interact with other users. Do not reveal information that you do not want to make public. Users may post hypertext links to content of third parties for which Mogo is not responsible. Social Media Sites Mogo may provide experiences on social media platforms such as Facebook®, Twitter®, Instagram® and LinkedIn® that enable online sharing and collaboration among users who have registered to use them. Any content you post, such as pictures, information, opinions, or any personal information that you make available to other participants on these social platforms, is subject to the terms of use and privacy policies of those platforms. Please refer to those social media platforms to better understand your rights and obligations with regard to such content. Disclaimer of Representations and Warranties While Mogo uses reasonable efforts to include accurate and up-to-date information on this Site, it makes no representations or warranties, and provides no conditions, as to the truth, accuracy, reliability, usefulness, timeliness or completeness of that information. Mogo does not guarantee, and provides no warranties or conditions, that the Site or the Mogo Services will be sufficient or appropriate for every individual or situation, will be current, uninterrupted or error free. THE SITE, THE MOGO CONTENT AND THE MOGO SERVICES ARE PROVIDED ON AN “AS IS, AS AVAILABLE” BASIS, AND YOU USE THIS SITE AND THE MOGO SERVICES AT YOUR OWN RISK. THE MOGO CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. THE INFORMATION PROVIDED MAY NOT BE ACCURATE OR CURRENT, MAY NOT APPLY TO YOUR PARTICULAR SITUATION, OR MAY NOT BE SUITABLE OR APPROPRIATE FOR YOU. MOGO STRONGLY URGES YOU TO CONSULT A PROFESSIONAL OR SOME OTHER AUTHORITY IN THE APPROPRIATE FIELD BEFORE USING ANY OF THE INFORMATION IT PROVIDES, AND YOU ACKNOWLEDGE THAT THE SITE AND THE MOGO SERVICES ARE NOT INTENDED TO, AND SHOULD NOT BE CONSIDERED TO, PROVIDE ANY LEGAL, TAX, FINANCIAL PLANNING OR ACCOUNTING ADVICE. If you require advice in such fields, you should consult the appropriate professional advisors. MOGO MAKES NO WARRANTY OR REPRESENTATION, AND PROVIDES NO CONDITION, THAT THE SITE OR THE MOGO SERVICES WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, OR THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED, OR THAT THE SITE IS FREE OF VIRUSES OR OTHER HARMFUL ELEMENTS. You are strongly advised to obtain and use appropriate anti-virus and security software. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, MOGO HEREBY EXPRESSLY DISCLAIMS AND BY USING THIS SITE AND THE MOGO SERVICES YOU WAIVE ALL CONDITIONS, REPRESENTATIONS AND WARRANTIES, WHETHER LEGAL, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED CONDITIONS, REPRESENTATIONS OR WARRANTIES OF MERCHANTABILITY, COMPATIBILITY, NON-INFRINGEMENT OF THIRD PARTIES’ RIGHTS, QUALITY OR FITNESS FOR PARTICULAR PURPOSE OR THE RESULTS THAT MAY BE OBTAINED FROM THE SITE OR THE MOGO SERVICES, WHETHER ARISING FROM STATUTE, COURSE OF DEALING, USAGE OF TRADE OR OTHERWISE. THIS SECTION 13 WILL APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAWS. You specifically agree that Mogo will not be responsible for unauthorized access to or alteration of the Site or any of the Mogo Services or your transmissions or data, any material or data sent or received or not sent or received, or any transactions entered into through the Site or relating to the Mogo Services. You specifically agree that Mogo is not responsible or liable for any threatening, defamatory, obscene, offensive or illegal content or conduct of any other party or any infringement of another’s rights, including intellectual property rights. You specifically agree that Mogo is not responsible for any content sent using or included in the Site or any of the Mogo Services by any third party. Not a Financial Planner, Broker or Tax Advisor NEITHER MOGO NOR THE MOGO SERVICES ARE INTENDED TO PROVIDE LEGAL, TAX, FINANCIAL PLANNING OR ACCOUNTING ADVICE. MOGO IS NOT A FINANCIAL PLANNER, BROKER OR TAX ADVISOR. The Mogo Services are intended only to assist you in managing your finances and are broad in scope. Your personal financial situation is unique, and any information and advice obtained through the Mogo Services may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances. Limitation of Liability TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NONE OF MOGO OR ANY THIRD PARTIES MENTIONED ON THE SITE AND THEIR RESPECTIVE AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, MANDATARIES, LICENSORS, SERVICE PROVIDERS AND REPRESENTATIVES, SHALL BE LIABLE FOR ANY DAMAGES (INCLUDING, WITHOUT LIMITATION, DIRECT, SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES INCLUDING LOST PROFITS, LOSS OF DATA, LOSS OF GOODWILL, FAILURE TO REALIZE EXPECTED SAVINGS OR BUSINESS INTERRUPTION) ARISING FROM OR RELATING TO THE USE (OR INABILITY TO USE) THE SITE, THE MOGO SERVICES, THE MOGO CONTENT, THE INFORMATION ON OR ANY LINK, PRODUCT OR SERVICE AVAILABLE THROUGH THIS SITE OR ANY OF THE MOGO SERVICES, OR ARISING OUT OF ANY ACTION TAKEN IN RESPONSE TO OR AS A RESULT OF ANY INFORMATION AVAILABLE ON THE SITE OR RELATING TO THE MOGO SERVICES. THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT MOGO IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU HEREBY WAIVE ANY AND ALL CLAIMS AGAINST MOGO, AND ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, MANDATARIES, LICENSORS, SERVICE PROVIDERS AND REPRESENTATIVES IN RESPECT OF ALL MATTERS REFERRED TO IN THE PRECEDING PARAGRAPH. IF FOR ANY REASON OR IN ANY CIRCUMSTANCE MOGO IS FOUND LIABLE TO YOU, THE MAXIMUM AGGREGATE LIABILITY TO YOU, FOR ANY AND ALL CLAIMS ARISING IN ANY WAY FROM OR RELATING TO THE USE (OR INABILITY TO USE) THE SITE, THE MOGO SERVICES, THE MOGO CONTENT, THE INFORMATION ON OR ANY LINK, PRODUCT OR SERVICE AVAILABLE THROUGH THE SITE OR RELATING TO THE MOGO SERVICES, OR ARISING OUT OF ANY ACTION TAKEN IN RESPONSE TO OR AS A RESULT OF ANY INFORMATION AVAILABLE ON THE SITE, RELATING TO THE MOGO SERVICES OR OTHERWISE, SHALL BE LIMITED TO CDN$10.00. Your Indemnification of Mogo You agree to indemnify and hold harmless Mogo, its affiliates, directors, officers, agents, mandataries, employees, licensors, Partner Lender, service providers and representatives for all losses, damages, expenses and costs, including reasonable legal counsel fees, arising from or in connection with any breach by you of this Agreement and/or your use or misuse of the Site or any Mogo Services or Mogo Content. Hyperlinks from Third Party Site We hereby provide consent to you creating a single hyperlink to any page of the Site, provided that: (a) The content of the website (“your site”) from which you link to the Site is not offensive under, or in breach of, your local laws and standards or those of Canada, and in particular the content of your site does not promote or positively portray unlawful activity, violence or intolerance of any sort; (b) Your site is in compliance with all laws applicable in the jurisdiction in which it is hosted and all laws of Canada; (c) Your site does not misrepresent, overstate, exaggerate, or otherwise deceptively describe the Site, Mogo or the relationship between your site and either the Site or Mogo; (d) Your site does not disparage or in any way negatively portray Mogo, the Site, or any product or service offered by Mogo or on the Site; (e) Your site, including the link permitted under this provision, does not infringe on any intellectual property right of Mogo. More specifically (but without limiting the breadth of the previous sentence), your site does not use any material, logo, text, image, video, or graphic in which Mogo holds copyright or is a trade mark or service mark (registered or unregistered and whether or not any identifying "TM","SM", or ®/ "R" in a circle marking is used in association with such marks) of Mogo (including any logo or URL of Mogo, including the URL of the Site) except to the extent necessary to identify and link to the Site, and then only provided that a notice acknowledging Mogo’s ownership of the intellectual property is clearly displayed; (f) Your site does not, and no other website owned, controlled, or affiliated with you or your site, frames, mirrors, or otherwise displays any portion or content of the Site; and (g) You will, without any claim whatsoever arising there from, immediately upon request from a representative of the Site by telephone, facsimile, mail, email, or any other form of communication, remove any or all links to the Site from your site(s) as requested by such representative of the Site, whether or not such representative provides any reason or justification for such request. Your right to create any such link, in addition to be revocable as described above, is non-exclusive, and you acknowledge and agree that such right does not in any way provide you with any right or license (express, implied, by estoppel, or otherwise) in or to any Site content or any intellectual property of Mogo (or any third party the intellectual property of which is present or visible on the Site), including any copyright, trademark, service mark, patent, trade secret, trade dress or otherwise. Except as set out in this Section 17, you may not create any link to the Site without our express prior written consent. Claims of Copyright Infringement If you believe that material in which you hold copyright is visible on the Site without your consent, please contact us immediately at: Mogo Finance Technology Inc. PO Box 2419 Station Main Winnipeg, Manitoba R3C 4A7. Please provide details of where the material is visible along with a description of the material, as well as your own name and contact information and such other information as is reasonably necessary to allow us to determine whether the Mogo Content in question infringes. Ending Your Relationship with Mogo This Agreement will continue to apply until terminated by either you or Mogo as set out below. If you want to terminate this Agreement as it relates to your MogoAccount, you may do so by contacting us to close your MogoAccount. Your MogoAccount will be closed and your ability to log in deactivated within ten (10) days of your request. Your MogoAccount data will be removed as explained in our Privacy Policy. To remove Mogo from your mobile device(s), delete the Mogo App. However, deleting the Mogo App will not delete your MogoAccount, it will only delete the data from the device. Mogo may at any time, terminate its Agreement with you and access to the Mogo Services: (a) if you have breached any provision of this Agreement (or have acted in a manner which clearly shows that you do not intend to, or are unable to comply with the provisions of this Agreement); (b) if Mogo in its sole discretion believes it is required to do so by law (for example, where the provision of the Mogo Service to you is, or becomes, unlawful); or (c) for any reason and at any time with or without notice to you. You acknowledge and agree that Mogo may immediately deactivate or delete your MogoAccount and all related information in or relating to your MogoAccount and/or prohibit any further access to the Mogo Services by you. Further, you agree that Mogo will not be liable to you or any third party for any termination of your access to the Mogo Services. We encourage you to download and retain copies of any agreements relating to the Mogo Services before requesting that we close your MogoAccount. Modifications Mogo reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Site or Mogo Services with or without notice. Mogo reserves the right to change the Mogo Services, including applicable fees, in our sole discretion and from time to time. If you do not agree to the changes after receiving a notice of the change to the Mogo Services, you may stop using the Mogo Services. Your use of the Mogo Services after you are notified of any change(s) will constitute your agreement to such change(s). You agree that Mogo will not be liable to you or to any third party for any modification, suspensions, or discontinuance of the Mogo Services. Mogo may modify this Agreement from time to time. Any and all changes to this Agreement may be provided to you by electronic means (i.e., via email or by posting the information on the Site). In addition, this Agreement will always indicate the date it was last revised. You are deemed to accept and agree to be bound by any changes to this Agreement when you use the Mogo Services after those changes are posted. Governing Law and Forum for Disputes Except as otherwise specified in the specific terms of any agreement arising through your use of the Site or any of the Mogo Services: (a) this Agreement is to be interpreted and governed by the laws of the Province of Ontario and the laws of Canada applicable therein, without reference to principles of conflicts of laws; and (b) the courts located in Toronto, Ontario and the courts of appeal therefrom will have exclusive jurisdiction to hear and decide any and all disputes arising under this Agreement or otherwise arising from or relating to the Site, the Mogo Services and/or any Mogo Content. In the event that the laws of the Canadian jurisdiction in which you reside require that the laws of such jurisdiction apply to this Agreement and/or a venue located in such jurisdiction to hear all disputes arising under this Agreement, the foregoing governing law and/or venue, as applicable, will not apply to you. Entire Agreement; Severability; Language Unless otherwise specified in this Agreement, this Agreement constitutes the entire agreement between you and Mogo with respect to the Site and the Mogo Services and supersedes all prior or communications and agreements (whether oral, written, or electronic) between you and Mogo with respect to the Site and the Mogo Services. If any part of this Agreement is held invalid or unenforceable, the remainder of this Agreement will remain in full force and effect. It is the express wish of the parties that this Agreement and all related documents be drawn up in English. C’est la volonté expresse des parties que la présente convention ainsi que tous les documents y afférents soient rédigés en anglais. Waiver Mogo's failure to exercise or enforce any right or provision of this Agreement will not constitute a waiver of that right or provision. All such waivers will be in writing and duly signed by Mogo. Voluntary Limitation Period Regardless of any statute or law to the contrary, any claim and any cause of action against Mogo arising out of or related to use of the Site, the Mogo Services, the Mogo Content, this Agreement, or any other product or service available on or through the Site must be filed within one (1) year after the claim or cause of action arose. SUPPLEMENTAL MOGOACCOUNT TERMS AND CONDITIONS These supplemental MogoAccount Terms and Conditions apply to the MogoAccount and the benefits provided thereunder, which currently include Credit Score Monitoring, MogoProtect, the MogoCard, MogoMortgage, MogoMoney, Partner Loans, and MogoCrypto (collectively, the “MogoAccount Benefits”) and will prevail over any conflict or inconsistency with the Terms of Use set out above. Capitalized terms not otherwise defined below have the meanings provided above. MogoAccount The MogoAccount is currently available to individuals who have reached the age of majority and reside in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, New Brunswick, Prince Edward Island, Nova Scotia, Newfoundland, Yukon, the Northwest Territories or Nunavut and have passed identity verification. We will verify your identity. You authorize us to make any inquiries we consider necessary to validate your identity. These inquiries may include asking you for further information, such as your social insurance number, and/or requiring you to take steps to confirm ownership of your email address or financial instruments, ordering a credit report, or verifying information you provide against third party databases or through other sources. If you do not provide this information or Mogo cannot verify your identity, we can refuse to allow you to register for a MogoAccount. In order for Mogo to verify your identity and prevent fraudulent activity, you authorize your wireless operator (such as Bell, Rogers, Telus, or any other branded wireless operator) to disclose to Mogo Finance Technology Inc. and its third-party service providers your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, solely to verify your identity and prevent fraud for the duration of the business relationship. This information will be handled by Mogo according to our Privacy Policy. If you are eligible and register for a MogoAccount, you will be provided instant access to six innovative MogoAccount Benefits, free of charge and with no impact to your credit score: Credit Score Monitoring,which provides you with your updated credit score on a monthly basis; a digital MogoMortgage experience, which allows you to apply online in minutes for a mortgage pre-approval and includes a simple approval process that keeps you in the loop; the Mogo Card, which is designed to help you control your spending in ways that debit and credit cards cannot; an instant pre-approval decision on a MogoMoney personal loan or a Partner Loan; MogoProtect, a free service designed to help you protect yourself against identity fraud by monitoring your Equifax credit bureau daily for hard inquiries; and MogoCrypto, a simple, secure and low-cost way for Canadians to buy and sell cryptocurrency. The MogoAccount and certain of the MogoAccount Benefits may not be offered, applicable or available to you based on residency, age or other eligibility criteria or factors. MogoMortgage applications and MogoMoney are currently only available to age of majority residents of British Columbia, Alberta, Manitoba, Ontario, New Brunswick, Prince Edward Island, Nova Scotia and Newfoundland who have a MogoAccount and have passed identity verification. We may suspend or revoke your MogoAccount or any and all of your MogoAccount Benefits without notice to you at any time for any reason, including due to your inactivity or if you fail to comply with this Agreement. Without limiting the generality of the foregoing, Mogo reserves the right to suspend or revoke any existing MogoAccount Benefits if you are in default of your obligations with respect to any one or more MogoAccount Benefits and/or related products and services. Mogo reserves the right to suspend, revoke or terminate your MogoAccount and/or any of the MogoAccount Benefits (including the Rewards program) and/or to disqualify you from participating in any promotional contests, incentives if it believes, in its sole discretion, that you are engaged in actual or suspected fraudulent or other improper activities including, without limitation, engaging in “manufactured spending” on your MogoCard and/or any other similar technique or activities. FSInsights Content You may be eligible to receive and/or access certain informational content as a result of Mogo’s exclusive partnership with FS Insight LLC (“FSI”). This content is provided to you by FSI and may be contained in emails or other areas of the Mogo experience from time to time. By accessing this content, you acknowledge and agree as follows: This content is provided to you for informational purposes only, is not intended as investment advice, and is not meant to suggest that a particular investment or strategy is suitable for any particular investor. Mogo and FSI are not registered investment advisors and are not acting as a broker dealers or as investment advisors under any federal, state or provincial securities laws. Information has been obtained from sources believed to be reliable but neither Mogo nor FSI warrant its completeness or accuracy. All pricing is as of the market close for the securities or instruments discussed, unless otherwise stated. Opinions and estimates constitute FSl's judgment as of the date of the research and are subject to change without notice. Past performance is not indicative of future results. The research is not intended as an offer or solicitation for the purchase or sale of any security, financial instrument or investment. The opinions and recommendations contained in the research do not take into account individual client circumstances, risk tolerance, objectives, or needs and are not intended as recommendations of particular securities, financial instruments, investments or strategies. The recipient of any research must make his/her own independent decision regarding any securities, financial instruments, investments or strategies mentioned therein. The price of cryptocurrency can be volatile and, as a result, you may suffer losses. Always do your own research and seek independent financial advice if you are unsure of any investment. Neither Mogo nor FSI are acting as a municipal advisor. The opinions or views contained in the research are not intended to be, and do not constitute, advice or investment advice, including within the meaning of Section 15B of the Securities Act of 1934. MogoAccount Notifications By registering for a MogoAccount, you agree that we may send you account-based information and alerts regarding your MogoAccount or your MogoAccount Benefits (collectively, your “MogoAccount Notifications”) by email, text and/or push notifications on your mobile device on a periodic basis. MogoAccount Notifications will be sent by email to the email address or by text message (standard text messaging rates may apply) to the mobile phone number you provided for your MogoAccount. If your email address or your mobile phone number changes, you are responsible for informing us of that change. MogoAccount Notifications via push notifications can be turned on or off in the Account section of the Mogo App or in your mobile device settings. Mogo may add new MogoAccount Notifications from time to time, or cease to provide certain MogoAccount Notifications at any time upon its sole discretion. You understand and agree that any MogoAccount Notifications provided to you may be delayed or prevented by a variety of factors. Mogo may make commercially reasonable efforts to provide MogoAccount Notifications in a timely manner with accurate information, but cannot guarantee the delivery, timeliness, or accuracy of the content of any MogoAccount Notification. Mogo will not be liable for any delays, failure to deliver, or misdirected delivery of any MogoAccount Notification; for any errors in the content of a MogoAccount Notification; or for any actions taken or not taken by you or any third party in reliance on a MogoAccount Notification. Link Bank Feature The “Link Bank” feature is intended to verify your authority and access to external financial accounts by confirming your ability to access the external financial accounts. Your use of the Link Bank feature is subject to the terms and conditions of this Agreement. Proceeding with using the Link Bank feature constitutes your consent to and acceptance of this Agreement. You agree to provide true, accurate, current and complete information about yourself and your accounts maintained at other financial institutions and you agree to not misrepresent your identity or your Account Information (as defined below). By using the Link Bank feature, you authorize Mogo and its supplier (“Supplier”) to access third party sites designated by you, on your behalf, to retrieve information requested by you. For all purposes hereof, you hereby grant Mogo and Supplier a limited power of attorney, and you hereby appoint Mogo and Supplier as your true and lawful attorney-in-fact and agent, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third party websites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN MOGO OR SUPPLIER ACCESSES AND RETRIEVES INFORMATION FROM THIRD PARTY WEBSITES, MOGO AND SUPPLIER ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that third party account providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. You understand and agree that the Link Bank feature is not endorsed or sponsored by any third party account providers accessible through the Link Bank feature. You are licensing to Mogo and Supplier any information, data, passwords, materials or other content, including without limitation, your account balance and transaction data, (collectively, “Account Information”) you provide through or to the Link Bank feature. Mogo and Supplier may use, modify, display, distribute and create new material using such Account Information to provide the Link Bank feature to you. By submitting Account Information, you automatically agree, or promise that the owner of such Account Information has expressly agreed that, without any particular time limit, and without the payment of any fees, Mogo and Supplier may use the Account Information for the purposes set out above. You agree that the results of the Link Bank feature are for use by you and Mogo and its service providers only in connection with the MogoAccount, using the Mogo Website and/or Mogo App. You agree not to reverse engineer or reverse compile any of the service technology, including but not limited to, any Java applets associated with the Link Bank feature. YOU AGREE THAT NEITHER MOGO NOR SUPPLIER NOR ANY OF THEIR AFFILIATES, ACCOUNT PROVIDERS OR ANY OF THEIR AFFILIATES WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF MOGO OR SUPPLIER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM THE USE OR THE INABILITY TO USE THE LINK BANK FEATURE OR ANY OTHER MATTER RELATING TO THE LINK BANK FEATURE, INCLUDING BUT NOT LIMITED TO: (A) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES; (B) ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE LINK BANK FEATURE; (C) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (D) STATEMENTS OR CONDUCT OF ANYONE ON THE LINK BANK FEATURE; OR (E) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY ACCOUNT PROVIDER SITE, EVEN IF THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES. You agree to indemnify and hold harmless Mogo and Supplier and their affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorney fees) caused by or arising from your use of the Link Bank feature or your violation of the terms and conditions of this Agreement. You agree that Supplier is a third- party beneficiary of the above provisions, with all rights to enforce such provisions as if Supplier were a party to this Agreement. As part of the Link Bank feature, you will also be required to enter into an Authorization for Pre-Authorized Debits (PAD) (the “PAD Agreement”), which will allow you to use the Add Money feature of the MogoCard, as described in Section 30 below. Click here to view a copy of the PAD Agreement. Credit Score Monitoring By registering for a Mogo Account, you will be entitled to receive free Credit Scoring Monitoring, consisting of a single-bureau credit score, with monthly updates and tracking for 90 days from the time that you register. MogoCard holders will be entitled to receive free Credit Score Monitoring so long as they remain active MogoCard holders. If you do not activate your card within 30 days of receipt or make a transaction on your MogoCard for more than 90 days, then you will not be considered “active” and will be opted out of Credit Score Monitoring. You may opt in or out of receiving Credit Score Monitoring in the Account section of the MogoAccount. Mogo will obtain the credit reports from Equifax Canada Co., located at Box 190 Jean Talon Station, Montreal, Quebec H1S 2Z2. Mogo uses ERS 2.0 from Equifax, a leading score used by a variety of lenders in various industries, for the purpose of Credit Score Monitoring. The Equifax credit score is based on Equifax’s proprietary model and may not be the same score used by third parties to assess your creditworthiness. The provision of this score to you is intended for your own educational use. Third parties will take into considerations other information in addition to a credit score when evaluating your creditworthiness. As part of Credit Score Monitoring, we may also provide you with potential key factors affecting your credit score, credit score comparison to national norms and suggestions, tips and educational materials and information about other products and services that might be of interest to you. In order to receive Credit Score Monitoring, you acknowledge and agree that you must be the age of majority in your province or territory of residence and have passed identity verification and must consent to Mogo using your personal information to get a credit score or report from a credit reporting agency now and on a monthly basis for the purposes of providing you with Credit Score Monitoring and determining whether you are pre-approved for MogoMoney or Partner offers, which you are not obligated to take in order to get Credit Score Monitoring. These initial and ongoing credit checks will not impact your credit score. You acknowledge that Mogo may terminate Credit Score Monitoring for any reason at any time. YOU UNDERSTAND AND AGREE THAT CREDIT SCORE MONITORING DOES NOT INCLUDE THE PLACING OF FRAUD ALERTS WITH ANY CONSUMER REPORTING AGENCIES. YOU MUST CONTACT THE CONSUMER REPORTING AGENCIES DIRECTLY IF YOU SUSPECT ANY FRAUD ACTIVITY. You acknowledge that Mogo is not a credit bureau, credit repair company or similarly regulated organization under applicable laws, and does not provide credit repair services. Where available, information provided via Credit Score Monitoring is for your educational and reference purpose only and is provided at no additional charge. Credit Score Monitoring is intended to provide you with general information and is not intended to provide, legal, tax or financial advice. We do not provide any services to repair or improve your credit profile or credit score, nor do we provide any representation that the information we provide will actually repair or improve your credit profile or credit score. Consult the services of a competent licensed professional when you need any type of this assistance. Mogo reserves the right to temporarily suspend or permanently terminate your Credit Score Monitoring service at any time, for any reason, including due to inactivity, in its sole discretion. MogoProtect By registering for a MogoAccount, you will be entitled to receive free MogoProtect identity fraud protection for 90 days from the time that you register. MogoCard holders will be entitled to receive free MogoProtect identity fraud protection so long as they remain active MogoCard holders. If you do not fund your card within 60 days of ordering or make a transaction on your MogoCard for more than 90 days, then you will not be considered “active” and will be opted out of MogoProtect. You may opt in or out of receiving MogoProtect in the Account section of the MogoAccount. In the event that Mogo is unable to subscribe you to MogoProtect as a result of an issue caused by Equifax, you will be required to contact Equifax directly. If Equifax is unable to resolve this issue, then you will not receive MogoProtect. MogoProtect is an information-based product that delivers information to you to help you minimize the risk of identity fraud and contains features that may be of assistance to you in helping to prevent, detect and/or respond to incidents involving certain forms of misuse of your personal information. You will not receive notifications for any inquiries that are reported within 24 hours of you being enrolled in MogoProtect. If you notice an unexpected inquiry into your Equifax credit bureau that you did not authorize, you can flag the inquiry and follow the steps provided in your MogoProtect dashboard. As your privacy and security is important to us, we have read-only access to inquiries on your Equifax credit bureau and cannot view or access these inquiries. To ensure receipt of the notifications, make sure that ‘Notifications’ for the MogoApp are tuned to “ON” in your mobile device settings and your email is up-to-date in your MogoAccount settings. MOGOPROTECT DISCLAIMER: NO ONE CAN PREVENT ALL IDENTITY FRAUD AND MOGO DOES NOT MONITOR ALL TRANSACTIONS AT ALL BUSINESSES. Currently, Mogo only monitors “hard” inquiries into the Equifax credit bureau, being inquiries that affect your credit score. Mogo does not monitor “soft” inquiries into your Equifax credit score, being inquiries that do not affect your credit score. Mogo checks your Equifax credit bureau for new inquiries once a day, 7 days per week and will endeavour to provide push and/or email notifications within 24 hours of the inquiry being reported. Mogo does not guarantee the actual, complete or timely delivery of any notifications. We are not responsible for, and expressly disclaim any and all liability related to, the failure of any notification to be actually, accurately, fully or timely delivered to you for any reason whatsoever, including those caused by a technical error or other problem with our systems, those of your mobile service provider, a third-party company or issues related to your email account or mobile device. MOGO AND ITS DIRECTORS, OFFICERS, AGENTS, EMPLOYEES, SUPPLIERS, LICENSORS, AND/OR AFFILIATED COMPANIES EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO MOGOPROTECT AND WE DO NOT WARRANT THAT IT WILL MEET YOUR REQUIREMENTS OR THAT ITS OPERATION WILL BE UNINTERRUPTED OR ERROR FREE. MOGOPROTECT DOES NOT CONSTITUTE A POLICY OR CONTRACT OF INSURANCE AGAINST IDENTITY THEFT OR IDENTITY FRAUD AND/OR THE CONSEQUENCES OF IDENTITY THEFT AND IDENTITY FRAUD. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NONE OF MOGO OR ANY OF ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, SERVICE PROVIDERS AND REPRESENTATIVES, WILL BE LIABLE FOR ANY DAMAGES (INCLUDING, WITHOUT LIMITATION, DIRECT, SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES INCLUDING LOST PROFITS, LOSS OF DATA, LOSS OF GOODWILL, FAILURE TO REALIZE EXPECTED SAVINGS OR BUSINESS INTERRUPTION) ARISING FROM OR RELATING TO YOUR USE OR INABILITY TO USE OR ACCESS THE MOGOPROTECT SERVICES, OR ARISING OUT OF ANY ACTION TAKEN IN RESPONSE TO OR AS A RESULT OF ANY INFORMATION RELATING TO THE MOGOPROTECT SERVICES. THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT MOGO IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU HEREBY WAIVE ANY AND ALL CLAIMS AGAINST MOGO, AND ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, SERVICE PROVIDERS AND REPRESENTATIVES IN RESPECT OF ALL MATTERS REFERRED TO IN THE PRECEDING PARAGRAPH. IF FOR ANY REASON OR IN ANY CIRCUMSTANCE MOGO IS FOUND LIABLE TO YOU, THE MAXIMUM AGGREGATE LIABILITY TO YOU, FOR ANY AND ALL CLAIMS ARISING IN ANY WAY FROM OR RELATING TO THE USE (OR INABILITY TO USE), THE MOGOPROTECT SERVICES OR ARISING OUT OF ANY ACTION TAKEN IN RESPONSE TO OR AS A RESULT OF ANY INFORMATION RELATING TO THE MOGO SERVICES OR OTHERWISE, WILL BE LIMITED TO CDN$10.00. If you opt out of MogoProtect, we will no longer be obligated to provide the MogoProtect to you, regardless of whether or not a particular act of real and/or suspected identity theft or identity fraud occurred while your MogoProtect subscription was active.Mogo reserves the right to temporarily suspend or permanently terminate your MogoProtect service at any time, for any reason, including due to inactivity, in its sole discretion. MogoMortgage MogoMortgage applications are only available to age of majority residents of British Columbia, Alberta, Manitoba, Ontario, New Brunswick, Prince Edward Island, Nova Scotia and Newfoundland who have a MogoAccount and have passed identity verification. By registering for a MogoAccount, you will have access to a digital MogoMortgage experience, which allows you to apply online in minutes for a mortgage pre-approval offer, includes a simple approval process that keeps you in the loop, and may include an overview of all your mortgage information, including your monthly payments, and current mortgage amount, if you go forward with a MogoMortgage. If you go forward with a MogoMortgage, the lender may share with Mogo any data and information that the lender has relating to your MogoMortgage (“Lender Data”). This will allow Mogo to provide you with Lender Data as part of administering your MogoMortgage in your MogoAccount, including on the MogoMortgage dashboard, through Mogo Notifications and periodic mortgage statements. Depending on your offer, the lender may have different types of Lender Data available for us to show on your MogoMortgage dashboard. Mogo cannot always foresee or anticipate technical or other difficulties which may result in failure to obtain Lender Data or loss of Lender Data or other service interruptions. Mogo cannot assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any Lender Data. If you apply for a MogoMortgage with a co-applicant, your co-applicant will be required to register for a MogoAccount and pass identity verification if they do not already have an active MogoAccount. They will also be required to consent to and agree to the terms of our MogoMortgage consent. MogoMortgage rates are subject to change without notice at any time. Offer may change or be withdrawn at any time without notice. Other conditions and restrictions apply. The comparative rates shown on the Site may not be the provider's actual rates and are not guaranteed to always be updated in a timely fashion. MogoMortgage is offered by Mogo Mortgage Technology Inc. o/a MogoMortgage. For more information regarding your MogoMortgage, please refer to your MogoMortgage closing package, including without limitation, the disclosure statement. MogoSpend and MogoCard The following terms and conditions are supplemental to the MogoCard Terms and Conditions which can be downloaded here. The MogoCard Terms and Conditions will prevail over any conflict or inconsistency with this Agreement. MogoSpend and the MogoCard are currently only available for order through the iOS or Android MogoApp to eligible MogoMembers that have passed identify verification. MogoCard means the Mogo Visa* Platinum Prepaid Card. By registering for a MogoAccount, you will be entitled to access MogoSpend and receive a free MogoCard,. The MogoCard is currently only available for order through the iOS or Android MogoApp to MogoMembers with an invite. The MogoCard is intended for individual use only and is not suited for business use. Mogo reserves the right to terminate or suspend your MogoCard for any reason, including if you are using the card for business purposes. Active MogoCard users will also be entitled to receive free MogoProtect identity fraud protection and free Credit Score Monitoring so long as they remain active MogoCard users. If you do not fund your card within 60 days of order or make a transaction on your MogoCard for more than 90 days, then you will not be considered “active” and will be opted out of MogoProtect and Credit Score Monitoring. If you load your MogoCard using Interac e-Transfer, then Mogo will use commercially reasonable efforts to process your Interac e-Transfer in as little as 30 minutes of Mogo receiving funds from your financial institution. In the event of heavy volume of transactions, it could take up to one day to process and fund. Mogo reserves the right to reject or hold your Interac e-Transfer for any reason including if the name on your bank account does not match the name in your MogoAccount or if you have not otherwise followed the funding instructions set out in the MogoCard dashboard, including the applicable limits. Mogo will not charge a fee for you to load your MogoCard using Interac e-Transfer, however your financial institution may charge fees for using Interac e-Transfer. Mogo will not be liable for any fees or charges that you have paid or may be required to pay your financial institution to load your MogoCard using Interac e-Transfer or as a result of Mogo rejecting your Interac e-Transfer. Your use of Visa Direct to make transfers to your MogoCard is subject to the Visa Direct Terms and Conditions. Your MogoCard balance is not insured by the Canada Deposit Insurance Corporation. Code Red Mode: Mogo will plant one tree for every purchase you make on the MogoCard through its unique partnership with veritree. Mogo reserves the right to impose limits on this program without notice as it sees fit, on an individual user or program wide basis, and including minimum purchase amounts or maximum purchase quantities. Details of applicable limits from time to time (if any) will be available on our website. MogoMoney and Partner Loans MogoMoney is currently only available to age of majority residents of British Columbia, Alberta, Manitoba, Ontario, New Brunswick, Prince Edward Island, Nova Scotia and Newfoundland who have a MogoAccount and have passed identity verification. By registering for a MogoAccount, you will receive an instant decision on pre-approval for MogoMoney, Mogo’s range of personal loans of up to $35,000 from Mogo or a loan from a third-party lender (a “Partner Lender”). Pre-approval is based on information submitted in your MogoAccount application and/or other information that indicates you could meet our underwriting requirements. Your pre-approval for credit remains subject to our credit approval process which includes but is not limited to income and identity verification and validation of information submitted through the Site. To meet our underwriting requirements further documentation may be requested from you. Minimum income requirements may apply for some products. Approval is not guaranteed and we reserve the right to deny services to you. Final approval is subject to review and verification of income and supporting documents provided. MogoMoney and Partner Loan rates are subject to change without notice at any time. Offer may change or be withdrawn at any time without notice. Other conditions and restrictions apply. If you get a loan from a Partner Lender (a “Partner Loan”) then your Partner Loan will be governed by the loan agreement that you enter into with that Partner Lender. Partner Loans are not Mogo loans. Mogo is not a party to your Partner Loan agreement and the Partner Lender will service your Partner Loan. If you have any questions about your Partner Loan or your Partner Loan Agreement or if your Partner Loan becomes overdue, you will need to contact and/or coordinate with the Partner Lender directly. In addition, the Partner Lender may contact you directly about your Partner Loan. Mogo explicitly disclaims any and all liability respecting your Partner Loan and/or your Partner Loan agreement. If you go forward with a Partner Loan, the Partner Lender may share with Mogo any data and information that the Partner Lender has relating to your Partner Loan (“Partner Data”). This will allow Mogo to provide you with Partner Data as part of administering your Partner Loan in your MogoAccount, including on the MogoMoney dashboard and through Mogo Notifications. Depending on your offer, the Partner Lender may have different types of Partner Data available for us to show on your MogoMoney dashboard. Mogo cannot always foresee or anticipate technical or other difficulties which may result in failure to obtain Partner Data or loss of Partner Data or other service interruptions. Mogo cannot assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any Partner Data. If you are approved for a MogoMoney loan or a Partner Loan, please refer to your loan agreement for additional terms and conditions which will prevail over any conflict or inconsistency with this Agreement. MogoCrypto The following terms and conditions are supplemental to the MogoCrypto Terms and Conditions (the “MogoCrypto Terms”) which you will be required to read and agree to prior to using MogoCrypto and which will prevail over any conflict or inconsistency with this Agreement. MogoCrypto is a simple way for Canadians to buy and sell cryptocurrency. Currently, the only cryptocurrency available to buy or sell through MogoCrypto is bitcoin (BTC). Mogo doesn't add an additional percentage or fixed dollar amount on your purchase or sale of cryptocurrency. The exchange rate we offer you on a buy or sell transaction of cryptocurrency is calculated from our Exchange Partner's price, which may include fees or mark-ups applied by our Exchange Partner and/or other factors such as market depth and volatility, and includes a margin or spread up to 200 basis points. You can check the exchange rates we offer for cryptocurrency purchases and sales at any time from within the MogoAccount. All transactions are final and non-reversible. Price data is obtained from our exchange partner and is updated every 20 seconds subject to availability. The price of bitcoin and other cryptocurrencies is very volatile. Prices may increase or decrease significantly in very short periods of time. This means that there is a potential for huge losses when buying or selling bitcoin or other cryptocurrencies, and from cybersecurity breaches/theft of cryptocurrencies and private keys stored on cryptoexchanges. In fact, these risks have materialized previously in other cryptoexchanges. You should only invest money that you are willing to lose and should never borrow money to purchase cryptocurrency. Mogo will not provide you with any advice or recommendations for buying or selling cryptocurrency. You should do your own research before buying or selling any cryptocurrency including, but not limited to, consulting with qualified independent financial advisers. The cryptocurrencies available through MogoCrypto are not “securities” within the meaning of any securities legislation in Canada and you will not have access to any remedies or protections that would otherwise be available to purchasers of securities. Cryptocurrencies available for purchase via MogoCrypto may not be subject to ongoing public disclosure requirements and therefore it may be difficult to find accurate and current information, or any information at all, relating thereto. In addition, others trading in those cryptocurrencies may be doing so in possession of material and other information that has not been publicly disclosed. The cryptocurrencies that you may purchase through MogoCrypto are not insured and are not protected by any centralized agency. MogoCrypto is not a cryptocurrency exchange. The Canadian dollars that you may use to fund purchases through MogoCrypto are not insured. MogoMoney cannot be used to buy cryptocurrency. Rewards Program If you are an eligible MogoMember, you will be automatically enrolled in Mogo’s Rewards Program (the “Rewards Program”) and a Rewards Account (“Rewards Account”) will be opened in your name. The Rewards Account is accessible via the MogoCrypto dashboard. The Rewards Program gives eligible MogoMembers the opportunity to earn either satoshis (being the smallest denomination of bitcoin) or Canadian fiat currency, also referred to in these terms as “cash” through the Rewards Account (“Rewards”). MOGO RESERVES THE RIGHT TO DETERMINE WHETHER TO ISSUE A REWARD IN SATOSHIS OR CASH FROM TIME TO TIME IN ITS SOLE AND ABSOLUTE DISCRETION. Cash Rewards may be used to buy satoshis. All Rewards will be deposited to your Rewards Account. In order to open your Rewards Account, Mogo may need to share your personal information with its exchange partner, Coinsquare (the “Exchange Partner”). By registering for a MogoAccount you acknowledge and agree to the sharing of your personal information with the Exchange Partner. The Rewards Account, and all related features, are available for use on an “as is” basis. Eligibility: To be eligible for the Rewards Program you must be a MogoMember who: (i) has passed Mogo’s “know your client” identity verification process and been granted access to the MogoAccount dashboard, (ii) is in good standing with all of your obligations to Mogo and not flagged for actual or suspected fraudulent activity by Mogo, and (ii) has downloaded the MogoApp on your iOS or Android device (“Eligible MogoMember(s)”). Certain Rewards may be subject to additional eligibility criteria. To achieve any Rewards through the use of any Mogo product or service you must be eligible for that product or service. Unless otherwise specified, all Rewards will be deposited to a MogoMember’s Rewards Account within 30 days of earning such Reward. Rewards may be subject to a two-week withdraw hold period. Certain Rewards may be expressed as satoshis in an amount based on an approximate representative Canadian dollar figure. In this case, the number of satoshis that you will actually receive will be determined by converting the Canadian dollar amount into satoshis using the conversion rate available at or around the time that the Reward is issued to you by Mogo with reference to this price source: https://coinsquare.com/markets/bitcoin (the “Satoshi Conversion”). Obviously, the price of bitcoin changes constantly which means that the conversion rate at or around the time that Mogo issues your Reward may differ than the rate at the time the Reward was earned or the time when you actually receive the Reward and Mogo will not be liable if this, or any similar circumstance, arises. All decisions by Mogo regarding the conversion of Rewards from an approximate representative Canadian dollar figure to satoshis will be final and binding. The Rewards Program and Rewards are subject to change or termination at any time, without notice, in Mogo’s sole discretion. ALL DECISIONS BY MOGO REGARDING ELIGIBILITY FOR PARTICIPATION IN THE REWARDS PROGRAM, THE SATOSHI CONVERSION, A PARTICULAR REWARD, OR ANY OTHER MATTERS RESPECTING THE REWARDS PROGRAM ARE FINAL. MOGO RESERVES THE RIGHT TO TERMINATE YOUR REWARDS ACCOUNT AND/OR REVOKE YOUR REWARDS AT ANY TIME, FOR ANY REASON, IN ITS SOLE AND ABSOLUTE DISCRETION. Mogo will not be responsible for any technical or other impediments which may delay or prevent the delivery of any Reward to you. You must report any alleged error in your Rewards to Mogo within thirty (30) days of the date you were issued such Rewards. Mogo will investigate all such reports of errors. In the event that Mogo concludes that an error has occurred, then Mogo’s only responsibility is to correct the error. If you do not tell Mogo about the alleged error within thirty (30) days of the date you were issued such Rewards, then the Rewards will be deemed correct and you may not make any further claim against Mogo relating to such Rewards. Mogo will have the final authority on the interpretation of all rules, regulations, procedures, terms, conditions, restrictions and benefits of Rewards. Eligible MogoMembers may earn Rewards by: Achieving certain milestones or performing certain actions listed on Mogo’s website, as updated from time to time (“ Milestone Rewards ”); Participating in ongoing or ad hoc promotional contests (“ Rewards Contests ”); or Obtaining a MogoMortgage (“ Mortgage Rewards ”). Mogo may also offer additional ad hoc or time-limited Rewards from time-to-time, which will also be subject to these Terms. A. Mortgage Rewards: Eligible MogoMembers who obtain a MogoMortgage will receive a Reward in cash or satoshis (in an amount as determined by Mogo using the Satoshi Conversion) up to the following maximum amounts based on the principal amount of their mortgage: The maximum available Reward amount is $3,100. The actual Reward amount that you will be eligible to receive will depend on the specific circumstances of the mortgage that you obtain and a number of unique factors including, without limitation, the lender and the amount of commission Mogo receives for the particular mortgage that you obtain. For more information on your specific circumstances, speak with your MogoMortgage representative. B: Rewards Contests: All Rewards Contests will be subject to accompanying contest rules and/or the general contest rules as set out in section 35 of this Agreement (“General Contest Rules”). For the purposes of Rewards Contests, references to “prize” or “prizes” in the General Contest Rules should be read as “Reward” or “Rewards”, as applicable. C: Milestone Rewards: Currently, eligible MogoMembers may receive certain Rewards by achieving the milestones or performing the actions listed here. Mogo reserves the right to change or terminate any of the Milestone Rewards without notice in its sole discretion from time to time. D. Buying and Selling with Rewards: You may use cash Rewards to buy bitcoin using MogoCrypto. MogoCrypto is operated by Mogo Blockchain Technology Inc. (“Mogo Blockchain”). You may also sell any bitcoin purchased using cash Rewards or Rewards issued to you in satoshis, and withdraw or make another bitcoin purchase using any cash proceeds from such sale. To buy or sell bitcoin through MogoCrypto using your own money, you must agree to and meet the eligibility requirements outlined in the MogoCrypto Terms. By using MogoCrypto to buy or sell bitcoin using your Rewards you agree to the following terms and conditions with Mogo Blockchain: IT IS UP TO YOU TO DECIDE WHETHER YOU WANT TO USE YOUR REWARDS TO PURCHASE BITCOIN. ANY BITCOIN PURCHASES THAT YOU MAKE USING REWARDS WILL BE AT YOUR OWN RISK. YOU AGREE THAT NEITHER MOGO, NOR ITS EXCHANGE PARTNER, WILL BE LIABLE FOR ANY LOSSES OR DAMAGES THAT YOU MAY SUFFER AS A RESULT OF YOUR USE THE REWARDS ACCOUNT FOR ANY REASON, EVEN IF THAT LOSS IS CAUSED BY MOGO OR ITS EXCHANGE PARTNER. This means that if you buy bitcoin with your Rewards and/or are issued Rewards in satoshis and the value of your Rewards decreases, then neither Mogo nor its Exchange Partner will compensate you for the loss in value of your Rewards. MogoCrypto is not an exchange. All bitcoin purchases made with Rewards are made via Mogo’s Exchange Partner. Any bitcoin that you buy and your private key(s) are held on your behalf by our Exchange Partner in 95% cold storage. Mogo does not hold or store your bitcoin or private key(s). You acknowledge that MogoCrypto may be unavailable from time to time, and you may not be able to use it to buy or sell bitcoin exactly when you want to. The price of bitcoin is volatile and buying and selling bitcoin can be risky. As a result, you may suffer the loss of some or all of the value of your cash Rewards if you use them to buy or sell bitcoin and the value of any Rewards issued in satoshis may decrease over time. To buy or sell bitcoin, you must request a quote by entering the value of cryptocurrency in fiat that you wish to buy or sell. Then, you will be shown a confirmation page with a summary of the transaction, including the current rate for bitcoin as retrieved from our Exchange Partner. If you choose to accept the quote and buy or sell that cryptocurrency at the quoted rate, then Mogo will use commercially reasonable efforts to complete the action of buying or selling bitcoin with our Exchange Partner at the quoted rate. Your ability to buy or sell bitcoin is dependent on market conditions. The executed rate may differ slightly from the quoted and confirmed rate and any price difference you may see between the estimated price on the confirmation page and the actual execution price is due to market movement. Our Exchange Partner may, at their sole discretion, decline your buy or sell transaction. If your buy or sell transaction is declined by our Exchange Partner, then the original quote for your buy or sell transaction will expire and you will need to request a new quote to proceed. All buy or sell transactions confirmed by you are final and are non-reversible. You will have one opportunity to confirm your order before finalizing it. Mogo and its Exchange Partners will not be responsible for losses caused by mistyped or wrongly placed orders. An open order may be cancelled at any time by you, but Mogo and its Exchange Partner make no guarantee on whether that order will be cancelled before execution. The exchange rate we offer you on a buy or sell transaction of cryptocurrency is calculated from our Exchange Partner's price, which may include fees or mark-ups applied by our Exchange Partner and/or other factors such as market depth and volatility, and includes a 1% fee charged by us. You can check the exchange rates we offer for cryptocurrency purchases and sales at any time from within the MogoAccount. YOU MAY NOT TRANSFER YOUR CRYPTOCURRENCY HOLDINGS FROM YOUR REWARDS ACCOUNT INCLUDING TO ANY OTHER WALLET OR EXCHANGE. Withdrawals and Bank Account Verification Before you withdraw your Rewards in cash to your Canadian bank account, Mogo must verify your Canadian bank account registered in your name. The first time you withdraw your Rewards as cash to a particular bank account, you will be required to verify that bank account. To start the bank account verification process, you must provide Mogo with your bank account details, including bank name, institution number, transit number and account number. Mogo may refuse to verify your bank account at its sole discretion, including if the owner’s name on the bank account does not match the name on your MogoAccount. As a part of the bank account verification process, Mogo may deposit two small transactions into your verified bank account by means of an electronic funds transfer within 1 to 5 business days. In this case, you will be required to accurately enter the values of these two transactions into your MogoAccount. If you enter the two transaction values correctly, then you will be permitted to withdraw your Rewards as cash. If you incorrectly enter the value of the two transactions that Mogo deposited into your bank account 3 times, then you will have to start the withdrawal process over again. Mogo reserves the right to debit your bank account for the total amount of the two transactions deposited into your bank account at any time without notice. Once your bank account has been verified by Mogo, you may withdraw your available Rewards balance, subject to any applicable withdraw limits. Mogo will make commercially reasonable efforts to schedule an electronic funds transfer to your bank within 24 hours of receiving your request for withdrawal. Depending on your financial institution, it may take 1-5 additional business days for your financial institution to process this transfer. Mogo will not be responsible for any delays in depositing your Rewards as cash to your bank account or for any Rewards as cash deposits sent to any incorrectly verified bank accounts provided by you to Mogo. All such withdrawals are irreversible, and you will be responsible for any recovery of funds due to error. All withdrawals are subject to applicable limits as set out below: Method | Direct Deposit Min Limit | $1.00 Max Limit | $9,000.00 24 Hour Limit | $9,900.00 Mogo Fee | FREE General Contest Rules No purchase necessary. Odds of winning any prize depend on the total number of eligible entries received during the applicable contest period. After selecting the potential winner(s) for a draw, Mogo, acting reasonably, will attempt to contact the potential winner(s) by sending a notification email (the “Notification Email”) to the email address associated with each potential winner’s MogoAccount. To be declared a winner, a potential winner must correctly answer a skill-testing question and may be required to complete a release or other documentation confirming compliance with these General Contest Rules and/or provide documentation to validate identity. These General Contest Rules are supplemental to any specific contest Rules included in any promotional materials. Such specific rules will supersede and prevail these General Contest Rules in the event of any conflict. Unless otherwise specified, Contests are not open to employees of Mogo or any of its subsidiaries, or members of the immediate families of such employees or any person with whom such employee is domiciled. All contests are void where prohibited by law. To participate in any Mogo Contest, you must be a MogoMember that: (a) has passed Mogo Finance Technology Inc.’s (“Mogo”) Know Your Client requirements; (b) has been granted access to the MogoAccount dashboard by Mogo; (c) has not otherwise been flagged for actual or suspected fraudulent activity by Mogo in its sole and absolute discretion; (d) is not in default of your obligations with respect to any one or more of the products and/or services available through the MogoAccount and (e) has a valid e-mail address associated with your free MogoAccount. By entering any Mogo contest, you agree to (a) fully and unconditionally comply with and be bound by these General Contest Rules and Mogo’s decisions which are binding and final in all matters relating to such contest and (b) release, indemnify and hold harmless each of Mogo and its affiliates and related third parties, advertising and promotional agencies, Instagram, and each of their respective shareholders, directors, officers, employees, agents, dealers, representatives, successors and assigns (collectively, the “Released Parties”) from any liability, claim or damage (including but not limited to personal injury, bodily injury, disability, death, third party intellectual property rights, copyright infringement, identity theft, privacy and defamation actions, misappropriation of likeness actions, property damage and loss or damage of any other kind) arising directly or indirectly, in whole or in part, from or in connection with this Contest or your participation in the Contest or in any contest-related activities, or any breach by you of your obligations, or any use, collection, storage and disclosure of your personal information, or, if declared a winner, a prize (including the use and misuse of any prize). You will indemnify and hold each of the Released Parties harmless in the event it is discovered that you have departed from or not fully complied with any of these General Contest Rules. This release and indemnity will continue in force following the termination of a contest and/or the awarding of any prize. Certain contests may provide for an “Alternate Entry Option”. If the applicable contest specifies that an Alternate Entry Option is available, then you may enter that contest using the following method: On a plain piece of paper, hand write your name, address, city, province or territory, postal code, telephone number, and the e-mail address associated with your MogoAccount and a unique and original 250 word or more essay on the following topics: “What is your favourite Mogo product or service and why?” and mail your entry to: Attention: Mogo Contest, 2100 – 401 West Georgia Street, Vancouver, British Columbia V6B 5A1. Entries must be received by Mogo during the applicable Entry Period for the applicable Entry Deadline. For each fully unique essay submitted in this manner during the specified entry period, you will receive one (1) entry. If you elect to enter using the “Essay Entry” option, you represent and warrant that you have all of the rights and title to the content of your essay, that it has not been previously published and that it does not infringe on someone else’s intellectual property rights. If it is later found that your essay does infringe another’s rights, you agree to indemnify Mogo. You acknowledge and agree that Mogo may (but is not required to) reproduce your entry essay, in whole or in part, on its website, in its marketing, on social media, or any other medium, in its sole discretion, at any time, in perpetuity, and to identify you as the author of that essay by your first name and last initial, whether or not you are selected as a winner. By submitting your essay you also give Mogo the irrevocable, non-exclusive, royalty-free, worldwide licence in perpetuity to use, reproduce, store, copy, broadcast, distribute, edit, alter, combine, publish, post, commercialize and/or otherwise use your essay without limitation, in its sole discretion, at all and you waive all moral rights you may have in the essay. All entries become the sole property of Mogo and will not be returned for any reason. Entries generated by a script, macro, bot or any other automated means will be deemed void. Entries that are mechanically reproduced, copied, incomplete or inaccurate are void. An entry may be rejected if, in the sole and absolute discretion of Mogo the entry is not submitted and received in accordance with these General Contest Rules during the applicable contest period or are otherwise not in compliance with these General Contest Rules. You may not use the Alternate Entry Option to obtain additional entries in any contest and must otherwise comply with all terms of the contest. Neither Mogo nor any of its subsidiaries or affiliates assumes any responsibility or bears any liability whatsoever in any way for (i) any participation in a contest; (ii) any entries that are delayed, stolen, misdirected, lost, destroyed or damaged; (iii) any failure or slowdown of programs or software supporting, connected to or related to this Contest; (iv) any problems or technical malfunctions of any kind, including without limitation computer systems, servers, equipment or software, however caused; or (v) any inability of any winner to accept a prize for any reason. Mogo reserves the right to modify, amend, withdraw, or terminate any contest and to modify these General Contest Rules at any time, including the methods of entry and the maximum allowable number of entries per entrant, and/or the draw dates, without prior notice, subject to applicable laws. All contest entries become the property of Mogo and its subsidiaries and affiliates and none will be returned. All contests are subject to applicable federal, provincial or municipal laws and regulations. All prizes are non-transferable and must be accepted as awarded. Mogo is not responsible for typographical or other errors in the offer or administration of any contest, including but not limited to: errors in advertising, these General Contest Rules, the selection and announcement of a winner, or the distribution of a prize. Any claim or legal action arising or occurring with respect to any contest, or the awarding, acceptance, use, or misuse of any prize, will be governed exclusively by British Columbia law, and will be resolved exclusively in either the federal or provincial courts located in Vancouver, British Columbia. PRIVACY / USE OF PERSONAL INFORMATION. By participating in a Contest, you grant to Mogo and its subsidiaries and affiliates the right to use your personal information for the administration of the Contest, including contacting you if you are a potential winner and the awarding of a Prize. You hereby agree to provide and allow your first name, last initial, your city and province of residence, your picture and your social media username(s) (as applicable) to be displayed on Mogo’s website (https://www.mogo.ca/), Mogo’s Facebook page, Twitter page, and/or Instagram page, and/or related social media and other such marketing or promotional materials prepared by Mogo without additional compensation if you are declared a winner. Your personal information will be governed by Mogo’s privacy policy, which is located at https://www.mogo.ca/privacy-policy. Mogo contests are in no way sponsored, endorsed or administered by, or associated with Apple, Android, Facebook, Twitter or Instagram. By participating in any contest, you understand that you are providing your information to Mogo and not to Apple, Android, Facebook, Twitter or Instagram. Sponsor/Administrator: The Sponsor and Administrator of all Mogo contests is Mogo Finance Technology Inc., 2100-401 W Georgia Street, Vancouver, BC V6B 5A1.* Trademark of Visa International Service Association and used under licence by Peoples Trust Company. Mogo Visa Platinum Prepaid Card is issued by Peoples Trust Company pursuant to licence by Visa Int. and is subject to Terms and Conditions, visit mogo.ca for full details. Your MogoCard balance is not insured by the Canada Deposit Insurance Corporation (CDIC). Visa image COMPANY About Mogo Reviews Investors Careers Pressroom PRODUCTS Credit score Protect Card Loans Mortgage Wealth Bitcoin HELP Help & Support Contact Us Leave Feedback LEGAL STUFF Privacy & Security Policy Terms & Conditions COMMUNITY MogoBlog Facebook Twitter Instagram © 2021 Mogo Inc. All rights reserved. Mogo and the Mogo designs are trademarks of Mogo Finance Technology Inc. and used here under licence. 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