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Terms of Use

Terms and Conditions on Website Usage

By accessing www.concentra.ca, you are deemed to have agreed to be bound by these terms and conditions and any further limitations that may be cited on any specific page. "Concentra" refers to Concentra Bank and its affiliates, including (without limitation), Concentra Trust, a wholly-owned subsidiary of Concentra Bank. If you do not agree with these terms and conditions, please exit this website. Please contact our Client Interface Management department if you have any questions or concerns about the use of our website.

Disclaimer

Concentra provides the website and information contained therein without making any express or implied warranties, representations or endorsements. The information, material and content provided in the pages of the website, including pricing information, is believed to be reliable when posted, but there is no guarantee that it is accurate, complete or current at all times. Concentra and its officers, directors, employees and agents have no obligation to update the information and are not liable for any failure to update information on the website. The information on the website may be changed, withdrawn or terminated at any time without notice.

Concentra is not liable to any party for any direct, indirect, special or other consequential damages that may arise by use of this website or any website hyperlinked to it. This waiver includes, but is not limited to, any lost profits, business interruption, loss of programs or other data on your information handling system or otherwise, even if we are expressly advised of the possibility of such damages.

The documents and information available on this website are provided as a service only and are not necessarily the official versions of the company’s legal disclosure documents. Internet software or transmission problems can produce inaccurate or incomplete copies of various documents when downloaded and displayed on your computer and reference should be made to the official version of such documents.

Please be advised that the information and documents available on the Concentra website are not intended to provide specific legal, accounting, financial or tax advice to you; you should not act or rely upon such information contained in this website without seeking the advice of a professional who can determine the proper course of action in your own circumstances.

Copyright and Trademarks

 

Except where stated otherwise, Concentra owns all intellectual property appearing on this website, including all copyright material, images, trademarks and corporate logos. The information contained on this website is intended for your personal use and may not be reproduced, published or distributed, in whole or in part, without express written consent of Concentra. Any unauthorized downloading, re-transmission or other copying or modification of the trademarked and/or copyrighted content of this website may be a violation of federal or other laws.

External Links

Concentra makes no representations whatsoever about any other website you may access through this site; those links are provided for convenience only. Concentra is not responsible for the content of any external website hyperlinked to this site. Please note that the use of a hyperlink does not imply that Concentra endorses or accepts any responsibility for the content or the use of such website. You are advised to take precautions to ensure that your use of such websites is protected against viruses, worms, Trojan horses or other items of a destructive nature; it is your responsibility to ensure that you employ the use of an anti-virus or other protective software on your computer to provide proper security.

When entering another website linked to this site, you may find that it has its own privacy policy or statement; you should review this statement carefully before proceeding into the website. Concentra is not liable to any party for any direct, indirect, special or other consequential damages that may arise by use of any website hyperlinked to it.

Although Concentra does not employ the use of “cookies” to collect personal information, this website may use cookies to monitor and improve operations and functionality. Please review the potential use of cookies in any external websites linked to this site as Concentra does not guarantee that cookies will not be employed to collect and store personal or financial information on these external websites. Cookies are widely used and most web browsers are configured to accept cookies automatically. If you prefer not to accept cookies, you may configure your browser to refuse cookies automatically; please refer to your browser’s documentation or online help for instructions. Refusing to accept cookies may, on some sites, impair your browser’s ability to display content or provide certain functionality.

Use of Information

Aside from our secure web applications and/or our bulk email service, Concentra Financial does not solicit information of a confidential or proprietary nature from you through this web site. General feedback you send through this site will be deemed to be not confidential. By sending Concentra Financial such information or material through this web site, you are granting Concentra an unrestricted, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute those materials or information and you agree that Concentra is free to use any ideas concepts or techniques that you send us for any purpose.

If you would like to forward confidential information to Concentra, please call our office or send information via facsimile; your direct interactions with our office will be kept in confidence.

In various places on our site, you may sign-up to receive correspondence from us via bulk email. We promise not to sell or otherwise disclose your email address to others when supplied to us in this manner. At any time, you are free to unsubscribe from any bulk email service that you have joined.

Web-based applications on (or otherwise affiliated with) the Concentra site allow the transfer of confidential information in a secure manner. For more information, please refer to the Online Security section below.


Local Laws

It is important to note that not all of the products and services contained in this web site are available in all jurisdictions outside Canada. For information specific to any jurisdiction outside Canada, please contact our office.


Updates to Confidentiality and Privacy Statement

Any changes to our Privacy and Confidentiality Statement may be updated without notice by updating the posting on our web site. We may add, modify or remove portions of the policy when it is required or appropriate to do so. You agree to review our Confidentiality and Privacy Statement regularly and your continued access to the Concentra web site will mean that you agree to these changes.


National “Do Not Call” List

On September 30, 2008, the Canadian Radio-television and Telecommunications Commission (CRTC) implemented a National Do Not Call List. The financial services industry has long supported the introduction of a national Do Not Call List and our participation in this program is an extension of our commitment to the public. Our organization may use telemarketing to inform the public of our products and services, but we also respect the wishes of people who do not want to receive such calls and have registered with the national list. Please call 1-866-580-3625 or visit www.lnnte-dncl.gc.ca/index-eng for further information or to register your cellular or home telephone numbers with the national registry. Please note that the National Do Not Call List does not apply in situations where companies contact their existing clients for marketing, operational or other purposes; if you are an existing client, you will need to notify our office directly if you do not wish to receive these calls.

 

Online Security

As a financial institution, Concentra understands first-hand the paramount importance of preserving data integrity and confidentiality; we employ industry-accepted standards in our web applications to preserve the security of information transferred to us through these channels. These measures include, but are not necessarily limited to, 128-bit secure socket layer encryption, security certificates, user authentication and web sessions.