1. Introduction
Welcome to Frontier HSA ("we," "our," or "us"). By accessing or using our website (the “Site”) you agree to be bound by and comply with these terms and conditions on use (the “Terms”). If you do not agree to be bound by, and comply with the Terms, you are expressly prohibited from access or use of this site.
2. Language of Service
These Terms are written in English. If the Terms are made available in other languages, the English version will prevail in the event of any inconsistency or conflict between the versions. By using this Site, you agree that English is the language in which these Terms are provided and interpreted.
3. Intellectual Property
We are the owner or the licensee of all intellectual property rights within our Site, including all source code, databases, functionality, software, designs, audio, video, text, photographs, and graphics on the Site (collectively, the 'Content'), as well as the trademarks, service marks, and logos contained therein (the 'Marks'). Our Content and Marks are protected by copyright, trademark laws, and other intellectual property rights and unfair competition laws and treaties around the world. You agree not to modify, distribute, reproduce, or create derivative works based on the Content without prior written consent from us.
4. Notification of Changes
Frontier HSA reserves the right to update, modify, or revise these Terms at any time, at our sole discretion. Any changes will be posted on this page. The date of the most recent revision will be indicated in the footer of the document. Major changes to the Terms will be clearly communicated by notification through the site. By continuing to use the site after any such revisions, you acknowledge and agree to the updated Terms. There may be information on the Site that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Site at any time, without prior notice.
5. Legal Advice and Accuracy of Content
The Content on this Site is provided for informational purposes only and should not be relied upon as accurate, reliable, complete, current, or fit for any particular purpose. You should seek specific legal advice by consulting your own legal counsel regarding your individual legal concerns. No one should act, or refrain from acting, based solely on the Content provided on this Site.
The Content provided on this Site is intended solely for informational purposes. While the Content is accurate as of the date of its first publication, it may no longer be current or accurate due to the passage of time, changes in applicable laws, or subsequent court decisions. We do not guarantee the accuracy, completeness, or relevance of the Content and disclaim any liability for any reliance on such information.
6. Permitted Uses
We grant you a limited, non-exclusive, non-transferable right to access and view the Content available on our Site for personal, non-commercial use (the “Permitted Uses”. This includes displaying, saving, downloading, and printing copies of the Content, provided that the Content is not modified.
7. Prohibited Uses
You may not access, use, or interact with the Site or its Content in any unlawful manner or for any unlawful purpose. Without our prior written consent, you may not access or use the Site or its Content for any purpose beyond the scope of Permitted Uses, or in a way that infringes upon the rights of our company or any third party.
You may not access or use the Site for any purpose other than that for which we make the Site available. The Site may not be used in connection with any commercial endeavors except those specifically endorsed or approved by us.
Users agree not to:
- (i) violate any applicable Canadian laws or regulations;
- (ii) attempt to gain unauthorized access to our systems;
- (iii) upload or distribute malicious code or harmful Content;
- (iv) interfere with other users' access to the service;
- (v) misrepresent their identity or their relationship with us;
- (vi) scrape, harvest, or collect data from our Site without authorization; or
- (vii) use our Site for any unauthorized commercial purposes.
By using the Site, you represent and warrant that
- (i) all registration information you submit will be true, accurate, current, and complete;
- (ii) you will maintain the accuracy of such information and promptly update it as necessary;
- (iii) you have the legal capacity to agree to these Terms and comply with them;
- (iv) you are not a minor in the jurisdiction in which you reside;
- (v) you will not access the Site through automated or non-human means, including but not limited to bots, scripts, or other methods;
- (vi) you will not use the Site for any illegal or unauthorized purpose; and
- (vii) your use of the Site will not violate any applicable law or regulation.
If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof).
8. Electronic Communications
By visiting the Site, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communication be in writing.
You hereby agree to the use of electronic signatures, contracts, orders, and other records, and to electronic delivery of notices, policies, and records of transactions initiated or completed by us or via the Site. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means
9. SMS Messages
If at any time you wish to stop receiving SMS messages from us, simply reply to the text with "STOP.” You may receive an SMS message confirming your opt out. Please be aware that message and data rates may apply to any SMS messages sent or received. The rates are determined by your carrier and the specifics of your mobile plan.
If you have any questions or need assistance regarding our SMS communications, please email us at hello@frontierhsa.ca
10. Third Party Services
We may integrate with third-party services that:
- (i) have their own terms of service and privacy policies;
- (ii) may be located outside of Canada;
- (iii) are not under our direct control; and
- (iv) may require separate agreements.
We are not responsible for the actions, practices, or policies of any third-party service providers and disclaim any liability in connection with the use of such third-party services.
11. Privacy Policy
We care about data privacy and security. By using the Site, you agree to be bound by our Privacy Policy, which is incorporated into these Terms. For more information, please review our Privacy Policy.
12. Term and Termination
These Terms shall remain in full force and effect while you use or access this Site, maintain an account, or use any services provided by our company. Your continued use of the Site, your account, or our services constitutes your acceptance of these Terms, and they will remain binding upon you unless terminated or modified by us in accordance with these Terms.
You agree that Frontier HSA may, at our sole discretion, suspend or terminate your access to all or part of the Site, with or without notice, and for any reason, including, without limitation, a breach of these Terms of Service. Any suspected fraudulent, abusive, or illegal activity may result in the termination of your relationship with us and may be reported to the appropriate law enforcement authorities. This termination may include, but is not limited to, the suspension or termination of any services, benefits, or coverage associated with your account.
Upon termination or suspension, regardless of the reason, your right to use the services on this Site immediately ceases. You acknowledge and agree that Frontier HSA may deactivate or delete your account and bar any further access to the Site. Frontier HSA will not be liable to you or any third party for any claims, damages, or consequences arising from such termination or suspension, or any actions taken in connection with it.
If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.
13. DISPUTE RESOLUTION
We take disputes seriously and are committed to resolving any conflicts or claims in a fair and timely manner. For more information regarding how disputes are handled, please refer to our Dispute Resolution Policy. This policy provides detailed procedures for resolving any conflicts or claims related to these Terms of Service.
14. Disclaimer of Warranties
The information, Content, and materials available on this Site are provided for general informational purposes only. While we strive to ensure the accuracy and completeness of the information, we make no representations or warranties of any kind, express or implied, regarding the accuracy, reliability, or completeness of the Content provided. You acknowledge that any reliance on such information is at your own risk. We do not guarantee that the Site will be error-free, uninterrupted, or free of viruses or other harmful components. We are not liable for any damages arising from the use or inability to use the Site, including but not limited to direct, indirect, incidental, consequential, or punitive damages.
The Site may contain links to third-party Sites for your convenience. We are not responsible for the Content or practices of these external sites, and your use of such links is at your own risk.
15. Indemnity
You agree to indemnify, defend, and hold harmless Frontier HSA its affiliates, officers, directors, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses, including but not limited to reasonable legal fees, arising from your use of the Site, your violation of these Terms, or your infringement of any intellectual property or other rights of any third party.
16. Entire Agreement
These Terms of Use, together with any other legal notices and agreements published by us on the Site, constitute the entire agreement between you and us concerning the subject matter hereof. These Terms supersede all prior or contemporaneous communications, whether electronic, oral, or written, between you and us with respect to the Site and its services.
17. Miscellaneous
Our failure to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision. These Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Terms or use of the Site.
You agree that these Terms will not be construed against us by virtue of having drafted them. You hereby waive any and all defences you may have based on the electronic form of these Terms and the lack of signing by the parties hereto to execute these Terms
18. Governing Law
These Terms shall be governed by and defined following the laws of Canada. Frontier HSA and yourself irrevocably consent that the courts of Canada shall have exclusive jurisdiction to resolve any dispute which may arise in connection with these terms.
19. Severability
If any provision or part of a provision of these Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms and does not affect the validity and enforceability of any remaining provisions.
20. Contact Us
In order to resolve a complaint regarding the Site or to receive further information regarding use of the Site, please contact us at hello@frontierhsa.ca