Terms & Conditions – Finance With Riss

Terms and Conditions

Welcome to Finance With Riss, This website (the “Site”) and the services offered through this Site are provided by “Finance With Riss” (“Finance With Riss”, “we”, “us” or “our”) for the use of individual users. All rights not expressly granted to users under these Terms are hereby expressly reserved by Finance With Riss, and any additional uses of the Site or its contents and material require our prior written permission. For further information please contact info@financewithriss.ca.

The following terminology applies to these Terms and Conditions, and any or all Agreements: “User”, “You” and “Your” refers to you, the person accessing this website and accepting Finance With Riss Terms and conditions. “The Company”, “Ourselves”, “We” and “Us”, refers to our Company (Finance With Riss). “Party”, “Parties”, or “Us”, refers to both the Users and Ourselves, or either the User or Ourselves.

The Use of our Site and our services, as well as any content downloaded from or accessed through the Site, constitute a legal contract between you and Finance With Riss. Please read these Terms and Conditions in their entirety because your use of the Site, other than to review these Terms, signifies your consent to be legally bound by and to comply with these Terms. If you do not agree with these Terms, you may not access and or use the Site or use our services. We recommend that you leave the site.

These Terms and Conditions may at any time be updated without notice or liability, and for any reason, we may update, change, suspend or terminate any aspect of these Terms and Conditions or the Site. Please consult these Terms each time that you use the Site. Your continued use of the Site following the posting of changes to these Terms will mean that you accept and agree to those changes. Notwithstanding the above, unless otherwise required by law, any application that you submit to us will continue to be governed by the version of these Terms in effect at the time that the application is submitted.

License and Site Access

Subject to your agreement with these terms, Finance With Riss grants User a limited, personal revocable and nonexclusive license to access and make use of the Site. Except as otherwise permitted by Finance With Riss, use of the Site is subject to the following limitations:

  • No materials or content from the Web Site may be copied, reproduced, republished, uploaded, posted, revised, transmitted or distributed. Any material or content Finance With Riss permits the User to download is under a grant of license and the User must retain all copyright and other proprietary notices on the material or content.
  • The User is prohibited from using any data mining, gathering or extraction tools on the Web Site


Your use of the Site and our services, and our use of certain information about you, are subject to our privacy policy available at www.financewithriss.com/privacy-policy, which is incorporated by reference into these Terms. Through your use of the Site or our services you agree to the collection, storage and use of your information in accordance with the Privacy Policy. In case of any inconsistency between these Terms and any terms set out in the Privacy Policy, the terms of the Privacy Policy will prevail.

User Content and Conduct

All information, data, text, software, music, photographs, graphics, images, avatars, video, messages, ideas, reviews, opinions, suggestions and other materials (“Content”) that are posted, e-mailed, transmitted, uploaded or otherwise submitted through your use of the Site are submitted at your own risk and are your sole responsibility. You should not submit any Content that may cause harm or injury to any party. Do not publicly disclose any personal information about yourself or others.

You agree that you are responsible for your own conduct and any content that when using our site and our services. Unauthorized use of the site and its contents or information or material affiliated to the site is strictly prohibited by Finance With Riss. You agree that you will use the Site, including Content, only for purposes for which it is intended, and in ways that are legal, proper and in accordance with these Terms, accepted protocol, and applicable rules, policies or guidelines. Without limiting the generality of the foregoing, by using the Site, you agree not to:

  • upload, post, distribute, e-mail or otherwise publish or make available any unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation;
  • solicit passwords or personal identifying information for commercial or unlawful purposes from other users;
  • create usernames which are objectionable, including those which utilize typographical obfuscations;
  • defame, abuse, threaten or otherwise violate the legal rights of others, including rights regarding privacy and publicity;
  • download any file posted by someone else that you know, or should reasonably know, cannot be legally distributed;
  • impersonate anyone else, or create user accounts by automated means or under false pretenses;
  • remove any copyright, trademark or other proprietary rights notices from our materials, or from materials created by others, without prior permission;
  • submit Content that falsely expresses or implies that it is approved or endorsed by us or others;
  • upload, post, distribute, e-mail or otherwise publish or make available any Content that you know to be inaccurate, or that is libelous, defamatory, obscene, harmful, vulgar, sexually explicit, threatening, tortuous, harassing, abusive, invasive of another user’s privacy, hateful, racially or ethnically objectionable, or otherwise illegal, or which promotes physical harm or injury against any person or group;
  • upload, post, distribute, e-mail or otherwise publish or make available any Content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as insider information, and proprietary and confidential information learned or disclosed as part of an employment relationship or under non-disclosure agreements);
  • upload, post, distribute, e-mail or otherwise publish or make available any Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party, without limitation, promoting an illegal or unauthorized copy of another person’s copyrighted work, such as posting copyrighted photographs or listings, providing pirated computer programs or links to them, providing information to circumvent manufacturer-installed copy-protect devices, or providing pirated materials or links to files containing pirated materials;
  • upload, post, distribute, e-mail or otherwise publish or make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware, telecommunications, or other equipment; and
  • attempt to discover or disseminate any private information about other users.

We may, but are under no obligation to, pre-screen or monitor any Content other than our own. We reserve the right, but do not assume the obligation, to remove postings and to ban users who violate these Terms from using the Site. We also reserve the right to reveal users identities (or any other information that we may know about users, including IP address(es)) in the event of a complaint or legal action, including a request by law enforcement authorities.

You understand that by using the Site, you may be exposed to Content that is incomplete, inaccurate, high risk, unlawful, offensive, indecent or objectionable. Under no circumstances will we be liable in any way for any loss, damage or injury (including, but not limited to, death) related to, or arising from the use of, any Content (whether yours, ours or someone else’s) including, but not limited to, as a result of any errors or omissions in any Content.

Third Party Services, Dealings & Disclaimer

Finance With Riss provides the Site to you as a service, which allows you to apply for automotive financing and related services. You understand and agree that the submission of an application to us does not constitute preapproval of credit and is not an application for credit. Finance With Riss does not arrange for or facilitate credit, nor is it engaged in leasing or selling of vehicles.

Some of the products and services which may be accessed through the Site are offered and/or provided by third parties. You acknowledge that in dealings with third parties, we are not the seller or provider and that your agreement to purchase any products or services from such third party is between you and the third party, and not us. The responsibility for ensuring compliance with all applicable laws in connection with any such transactions shall be yours and/or the third party’s alone. You agree that we are not responsible or liable in any way for any loss or damage of any kind incurred as a result of, or in connection with, any such dealings or transactions. You acknowledge and agree that your correspondence or business dealings with any third parties, including any merchants or advertisers, found on, or through the use of the Site, including payment for and delivery of related goods and services, and all other terms, conditions, representations and warranties related to such dealings, are solely as between you and such third parties.

Our Intellectual Property Rights

The Site, and any Content and other information and materials created or supplied by us, and the selection and arrangement thereof, are owned by us (or our third party licensors) and protected by Canadian and worldwide copyright and other intellectual property laws and treaty provisions. Subject to your compliance with these Terms, we grant you (i) a limited, personal, non-exclusive, non-transferable license to use the Site and our Content solely for the purpose of viewing, storing and downloading information for personal, non-commercial use, review, and sharing with other users (Individual Users), or (ii) a limited, non-exclusive, non-transferable license to use the Site and our Content solely for the purpose of facilitating your client’s use of the Site, which may include programming workouts, running classes, recording client’s results, communicating with clients and organizing programs and challenges amongst individual users (Commercial Users). Except as expressly permitted in this Agreement, you agree not to reproduce, make derivative works of, retransmit, distribute, sell, publish, sublicense, communicate, broadcast or otherwise make available the Site or any Content or other information and materials obtained through or in connection with the use of the Site, including without limitation, by caching, framing, deep-linking or similar means, without the prior written consent of the respective copyright owner of such Content.

Finance With Riss and other trademarks and design marks, trade dress, service names, logos and associated designs used in the Site are trademarks and/or registered trademarks of and/or its affiliates, licensors, or related companies, and may not be used, copied, or imitated, in whole or in part, without our prior written permission. All other products, brand and company names and logos used or mentioned in the Site, any listings or other Content accessed through the Site, may be the trademarks (registered or unregistered) of their respective owners. The use of any trademarks without the express written consent of the owner of the trademark is strictly prohibited. You will not remove, alter or conceal any trademark or other proprietary rights notices incorporated into or accompanying the Site, any of our Content or any other information or materials.


You agree to defend, indemnify and hold us, our affiliates and licensors, and each of our respective officers, partners, directors, employees and agents harmless, from and against any and all claims, actions or demands, including without limitation reasonable legal and accounting fees, resulting from or related to: (a) your breach of these Terms, including the Privacy Policy which is incorporated into these Terms by reference, (b) your access to or use of the Site, or our or any other party’s Content; (c) your submission of any Content, (d) your use of or reliance upon, or publication, communication or distribution of any materials from any third party source, or (e) your violation of any other party’s rights including, without limitation, any intellectual property, privacy or proprietary right, or obligation of confidentiality. You shall use your best efforts to cooperate with us in the defense of any claim. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you.

Without prejudice to the generality of the foregoing Finance With Riss does not guarantee that any particular vehicle shown on the Site or in our advertisements is available for sale by a motor vehicle dealership in your geographic area or, even if that vehicle is available, that you will be qualified to purchase it. Availability of any vehicles or financing options (if any) is solely within the control and discretion of the motor vehicle dealership and/or financing entity, if different, and will be subject to such terms and conditions as they may determine. Further, you acknowledge and agree that Finance With Riss does not guarantee the products or services of any of the persons or organizations to whom we provide your personal information, or that any person or organization will offer or provide you with products or services at any rate or at all.

Your agreement to purchase any products or services from a third party or to otherwise enter into negotiations or transactions with a third party is solely between you and the third party, and not us. Under no circumstances will Finance With Riss be responsible or liable for any loss or damage of any kind incurred as a result of, or in connection with, any discussions, negotiations, correspondence, agreements or other business dealings by you with any third parties, including any dealers, credit organizations or advertisers found on or through the use of the Site, and including payment for and delivery of related goods and services.

There may be cases on our website when the Finance With Riss provides hyperlinks or links to other locations or websites on the Internet. These hyperlinks lead to websites published or operated by third parties who are not affiliated with or in any way related to Finance With Riss. They have been included in our website to enhance your user experience and are presented for information purposes only. We endeavor to select reputable websites and sources of information for your convenience.

However, by providing hyperlinks to an external website or webpage, Finance With Riss shall not be deemed to endorse, recommend, approve, guarantee or introduce any third parties or the services/products they provide on their websites, or to have any form of co-operation with such third parties and websites unless otherwise stated by Finance With Riss.

We are not in any way responsible for the content of any externally linked website or webpage. You use or follow these links at your own risk and Finance With Riss is not responsible for any damages or losses incurred or suffered by you arising out of or in connection with your use of the link. Finance With Riss is not a party to any contractual arrangements entered into between you and the provider of the external website unless otherwise expressly specified or agreed to by Finance With Riss.

Any links to websites that contain downloadable software are provided for your convenience only. Again we are not responsible for any difficulties you may encounter in downloading the software or for any consequences from your doing so. Please remember that the use of any software downloaded from the Internet may be governed by a licence agreement and your failure to observe the terms of such licence agreement may result in an infringement of intellectual property rights of the relevant software provider which we are not in any way responsible.

Please be mindful that when you click on a link and leave our website you will be subject to the terms of use and privacy policies of the other website that you are going to visit.

Exclusion of Warranties

Finance With Riss makes no representation or warranty regarding the functionality, the good working order of the functionalities of the website, or condition of this website, its suitability for use, or that its use will be uninterrupted or error-free. ALL MATERIAL OR INFORMATION ON THIS WEBSITE IS PROVIDED TO YOU “AS IS” WITHOUT WARRANTIES OF ANY KIND. Finance With Riss AND ITS AFFILIATES, RELATED COMPANIES, AND ITS LICENSORS AND JOINT VENTURE PARTNERS DISCLAIM ALL WARRANTIES OR CONDITIONS, WRITTEN OR ORAL, STATUTORY, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OR CONDITIONS OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. Finance With Riss maintains the website as a service to the Internet community. The website has been designed to provide general information about Finance With Riss and its products. These pages are not intended to provide instruction on the appropriate use of products produced, supplied or under development by Finance With Riss, its affiliates, related companies, or its licensors or joint venture partners. Access and use of the Finance With Riss website is subject to the terms and conditions set forth herein and all applicable laws, statutes, and/or regulations. These exclusions are in addition to any specific exclusion otherwise provided in these terms and conditions. To the extent that the jurisdiction to which you are subject does not allow exclusion of certain warranties, such exclusions which are not permitted do not apply.

Limitation of Liability



You may discontinue your use of the Site and/or our services at any time, for any reason or for no reason.

In addition to any other termination rights that we may have, we reserve the right to modify, suspend, discontinue or terminate the Site or any party’s ability to access or use the Site, our services, our materials or other Content, at any time and for any reason (or no reason), including any breach by you of these Terms.

Upon termination, you will have no further right to use the Site or our services, and any rights and licenses granted to you under these Terms will terminate. Termination or other discontinuation of your use of the Site or our services will not relieve you of any obligations arising prior to termination regarding the use and protection of intellectual property or confidential information, ownership, or indemnification nor will it relieve you of any liability for any breach of these Terms. Upon termination (subject to always to applicable laws) we will have the right, but not the obligation to retain any Content or other information that you have submitted.

Governing Law/Jurisdictional

This Site is administered by Finance With Riss, which is located in Alberta, Canada. Any matter arising out of the use of this Site shall be governed by the laws of the Province of Alberta and the federal laws of Canada applicable therein, without reference to its conflict of laws principles. You agree to submit to the non-exclusive jurisdiction of the courts of the Province of Alberta to determine any action or proceeding arising out of or in connection with this Site.

Authorized Users

Use of this Site and our services are available only to residents of Canada who have attained the age of majority in their province of residence. Any products and service offered through the Site are offered only in jurisdictions where they may be legally offered, and are offered only to persons to whom it is lawful to make a solicitation. You agree to comply with all applicable laws, rules and regulations governing your use of the Site and our services.


Entire Agreement: These Terms and Conditions make up the entire agreement between you, us and the use of the site and our services, and supersede any prior legal agreement, understanding or arrangement between you and us whether oral or in writing. The legal agreement created by the use of the site is constituted as acceptance of the terms and conditions set forth on the site.

Correspondence: All correspondence with Finance With Riss shall be written in the English language. Finance With Riss may communicate to you by email or another form of electronic communications or by posting information to our site. Unless prohibited by law, you consent to receive all communications from Finance With Riss and agree that all communications satisfy any legal requirements.

If you wish to contact us with any questions, comments or concerns regarding these Terms, the Site or our services, or to provide any notice pursuant to these Terms, please contact us at info@financewithriss.ca


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If at any time you would like to withdraw your consent, please let us know by sending a withdrawal request to info@financewithriss.ca.