FintechTO - January 21, 2019

Last updated: January 5, 2017 Welcome! We are Tech Toronto Inc. (“TechTO”, "us", "we", or "our"). Our mission is it to support the growth and development of the Toronto tech community. TechTO is a non-partisan advocate on behalf of the tech community, a tireless champion of local entrepreneurs and their companies. TechTO is subject only to Canadian laws and jurisdiction. Below is TechTO’s Terms and Conditions and is a contract between you and TechTO when you use TechTO’s sites, services, and products. If you have any questions or suggestions, feel free to email us at support@techtoronto.org Your access to and use of our sites, services and products is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who wish to access or attend our Events. Accepting the Terms of Service

Please read these Terms of Service and our Privacy Policy (collectively, the "Agreement") carefully before using techtoronto.org (the "Site") and/or the other domains, products, services, and/or content provided by TechTO. (all of those collectively with the Site, the "Services") (TechTO is an Ontario corporation, collectively with its agents, consultants, employees, officers and directors, "TechTO," "we," “our” or "us"). By using or accessing the Services, you ("Member" or "you") agree to become bound by all the terms and conditions of this Agreement. If you do not agree to all the terms and conditions of this Agreement, you shouldn't and aren't permitted to use the Services or attend our Events (as defined below). Communications TechToronto is in compliance with Canada’s Anti-Spam Legislation (“CASL”). As such, you will be given the option to opt-in and opt-out of all communications sent by, or on behalf of, TechToronto (“Communications”). Any such communications will contain the name of the sender, our mailing address, and a contact email address in addition to an unsubscribe mechanism. Should you have any concerns, please contact support@techtoronto.org. Participating in our Events It is our intention to provide you with incredible networking and learning opportunities through our Events. Our intention is that you meet some amazing people and learn from your peers. Our Events are intended to be a collaborative forum for sharing, learning, and having fun. As a Member of our community, you agree to act professionally, treat everyone with respect, and treat the event facilities with proper care. You agree that you are responsible for any accidents or damage that you cause. You also agree to not hold us, your local volunteer team, or any of the event supporters liable for any loss, damage, injury, or any other unforeseeable incident. By participating at our Events, you authorize Tech Toronto Inc., its officers, directors, organizers, and/or employees to use any photograph(s) and/or videos that are taken of you while participating in each Event at its sole discretion. You realize that there are potential risks inherent in your participation in our Events. You freely and voluntarily accept and assume all such risks, dangers and hazards and the possibility of personal injury, death, violence, property damage or loss, during all the time of each event, resulting from activities during each event. In consideration of approval to participate in each Event, you and any personal representative, hold harmless, release and forever discharge Tech Toronto Inc., its organizers, attendees, volunteers, agents, trainees, contractors or employees from any and all actions, causes of actions, including negligence, claims and demands for damages, loss or injury, resulting from or arising out of your participation in the event. You also indemnify and save harmless Tech Toronto Inc., its organizers, attendees, volunteers, agents, trainees, or employees from any and all actions, causes of actions, demands, expenses, losses and/or damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with the following: Disputes between Members, including those between you and other Members. Third party sites and services, including content found on such sites and services. Disputes concerning any use of or action taken using your Account by you or a third party. Claims relating to the unauthorized access to any data communications or content stored under or relating to your Account, including unauthorized use or alteration of such communications or your Content. Claims relating to in any way to any face-to-face meetings in any way related to TechTO Events, including without limitation claims related to the actions or omissions of any Members or third parties who organize, attend, or are otherwise involved in any Event. Accounts When you create an account with us, you guarantee that you are above the age of eighteen (18) and that the information you provide us is accurate, complete, and current at all times. Inaccurate, incomplete, or obsolete information may result in the immediate termination of your account on the Service. You are responsible for maintaining the confidentiality of your account and password, including but not limited to the restriction of access to your computer and/or account. You agree to accept responsibility for any and all activities or actions that occur under your account and/or password, whether your password is with our Service or a third-party service. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account. You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than you, without appropriate authorization. You may not use as a username any name that is offensive, vulgar or obscene.

TechTO’s Member Community

TechTO is committed to facilitating connection and open communication amongst our Members. We believe that our community should be a safe, positive, productive space for members and therefore expect that the members of our community will adhere to the General Community Guidelines below. General Community Guidelines:

Malicious Bigotry and Harassment. Don't actively promote violence or extreme hatred against individuals or groups, on the basis of race, ethnic origin, religion, disability, gender, age, veteran status, or sexual orientation. Don’t use the TechTO Events for harassment. Harassment includes, but is not limited to, offensive verbal comments related to gender, sexual orientation, disability, physical appearance, body size, race, religion, sexual images in public and online spaces, deliberate intimidation, stalking, and unwelcome sexual attention. Mass Registration and Automation. If you are registering with us as a member, you should be a real person who plans to engage positively in the member community following the other guidelines listed here. Copyright and Trademark Infringement. Respect copyrights and trademarks. If you aren't authorized to use copyrighted or trademarked work (either expressly or by legal exceptions and limitations like fair use), then don't. Privacy Violations. Don't use the TechTO Events to deceptively obtain personal information. Don't post content that violates anyone's privacy, including personally identifying or confidential information like credit card numbers, social security numbers, and unlisted contact information. If we conclude that you are violating these policies, you may receive a notice via email. If you don't explain or correct your behavior, your Account may be suspended. We do our best to ensure fair outcomes, but in all cases we reserve the right to suspend accounts or remove content, without notice, for any reason, but particularly to protect our services, infrastructure, users, or community. We reserve the right to enforce, or not enforce, these policies in our sole discretion, and these policies don't create a duty or contractual obligation for us to act in any particular manner. Anti-Harassment Policy

In addition to our general community guidelines, we also have a specific anti-harassment policy. All TechTO Events, workplaces, staff, presenters, and participants are held to the following Anti-Harassment Policy. In addition to governing its own Events by this policy, TechTO will only lend its brand and officially partner with groups which offer a similar anti-harassment policy to their attendees. TechTO is dedicated to providing a harassment free experience for everyone. We welcome everyone regardless of gender, gender identity and expression, sexual orientation, disability, physical appearance, body size, race, age, religion, faith, national origin, source of income, and language preference. We do not tolerate harassment in any form. Sexual language and imagery is not appropriate for any TechTO Event or network activity, including talks. Anyone in violation of these policies may expelled from TechTO Events or network activities; this will be at the discretion of TechTO leadership and/or event organizers. Harassment includes but is not limited to offensive verbal or written comments related to gender, gender identity and expression, sexual orientation, disability, physical appearance, body size, race, age, religion, faith, national origin, source of income, and language preference; sexual images in public spaces; deliberate intimidation; stalking; following; harassing photography or recording; sustained disruption of talks or other Events; inappropriate physical contact; unwelcome sexual attention; unwarranted exclusion; and patronizing language or action. If a participant engages in harassing behavior, TechTO leadership and/or event organizers may take any action they deem appropriate, including warning the offender and expulsion from TechTO Events and network activities. If you are being harassed, notice that someone else is being harassed, or have any other concerns, please contact a member of the event staff immediately. If you cannot reach the event organizer and/or it is an emergency, please call 911. TechTO leadership and/or event staff will be happy to help participants contact hotel/venue security or local law enforcement, provide escorts, or assist those experiencing harmful behaviour. Intellectual Property The Site and its original content, features and functionality are and will remain the exclusive property of Tech Toronto Inc. and its licensors. The Site is protected by copyright, trademark, and other laws of both Canada and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Tech Toronto Inc. Links To Other Web Sites Our Service may contain links to third party web sites or services that are not owned or controlled by Tech Toronto Inc. Tech Toronto Inc. has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third party web sites or services. We do not warrant the offerings of any of these entities/individuals or their websites. You acknowledge and agree that Tech Toronto Inc. shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such third party web sites or services. We strongly advise you to read the terms and conditions and privacy policies of any third party web sites or services that you visit. Termination If you wish to terminate your account, you may simply discontinue using the Site or attending our Events. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability. Indemnification You agree to defend, indemnify and hold harmless Tech Toronto Inc. and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of the Service, by you or any person using your account and password; b) a breach of these Terms, or c) Content posted on the Service. Limitation Of Liability TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, TECHTO, ITS DIRECTORS, OFFICERS, EMPLOYEES, REPRESENTATIVES, CONSULTANTS, AGENTS, SUPPLIERS, AND/OR DISTRIBUTORS SHALL NOT BE LIABLE FOR: (A) ANY INDIRECT, INCIDENTAL, EXEMPLARY PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER; (B) LOSS OF: PROFITS, REVENUE, DATA, USE, GOOD-WILL, OR OTHER INTANGIBLE LOSSES; (C) DAMAGES RELATING TO YOUR ACCESS TO, USE OF, OR INABILITY TO ACCESS OR USE THE SERVICES; (D) DAMAGES RELATING TO ANY CONDUCT OR CONTENT OF ANY THIRD PARTY OR MEMBER USING THE SERVICES, INCLUDING WITHOUT LIMITATION, DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OR CONTENT; AND/OR (E) DAMAGES IN ANY MANNER RELATING TO ANY CONTENT. THIS LIMITATION APPLIES TO ALL CLAIMS, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, WHETHER OR NOT TECHTO HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, AND FURTHER WHERE A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED ITS ESSENTIAL PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL LIABILITY OF TECHTO AND ITS DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, REPRESENTATIVES, CONSULTANTS, AGENTS, SUPPLIERS, AND/OR DISTRIBUTORS, FOR ANY CLAIM UNDER THIS AGREEMENT, INCLUDING FOR ANY IMPLIED WARRANTIES, IS LIMITED TO THE GREATER OF FIFTY DOLLARS ($25.00) OR THE AMOUNT YOU PAID US TO USE THE APPLICABLE SERVICE(S). Disclaimer Your may attend our Events at your sole risk. Our Events are provided on an "AS IS" and "AS AVAILABLE" basis. Our Events are provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance. Exclusions Some jurisdictions do not allow the exclusion of certain warranties or the exclusion or limitation of liability for consequential or incidental damages, so the limitations above may not apply to you. Governing Law These Terms are governed by the laws of the Province of Ontario and federal laws of Canada applicable therein. This Agreement survives termination of your voluntary participation in the Events. This Agreement cannot be modified or interpreted except in writing by Tech Toronto Inc. and no oral modification or interpretation is valid. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have had between us regarding the Service. Changes We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service. Contact Us If you have any questions about these Terms, please contact us at support@techtoronto.org

Last updated: January, 2017 We will always honour and respect your data and will not collect data and information that is not within the realm of reasonable use. What information do we collect? We collect information from you when you register on our site, subscribe to our newsletter, purchase a ticket to an event, join our meetup group and/or fill out a form.

When ordering or registering on techtoronto.org (our “Sites”), as appropriate, you may be asked to enter your: name, e-mail address, mailing address, phone number or credit card information. You may, however, visit our site anonymously.

We also use 3rd party Analytics tools to monitor anonymous site usage and collect statistics.

What do we use your information for? Any of the information we collect from you may be used in one of the following ways: to improve our website, to process transactions, to send periodic communications.

Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the service requested.

How do we protect your information? We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information. Do we use cookies? Cookies are small files that a site or its service provider transfers to your computers hard drive through your Web browser (if you allow) that enables a site or service providers systems to recognize your browser and capture and remember certain information.

We use cookies to help us save your preferences for future visits and keep track of website usage.

If you prefer, you can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies via your browser settings. Like most websites, if you turn your cookies off, some of our services may not function properly.

Do we disclose any information to outside parties? We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may disclose the information we collect about you through our Sites when we, in good faith, believe disclosure is appropriate to comply with the law (or a court order or subpoena); to prevent or investigate a possible crime, such as fraud or identity theft; to enforce the terms of use or other agreements that govern your use of our Sites; to protect the rights, property or safety of TechToronto, our users or others; or to protect your vital interests. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third party links Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

Online Privacy Policy Only This online privacy policy applies only to information collected through our website and not to information collected offline.

Terms and Conditions Please also visit our Terms and Conditions section establishing the use, disclaimers, and limitations of liability governing the use of our website. Your Consent By using our site, you consent to our online privacy policy. If you do not consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy, you are not permitted to use the Site. We will collect your consent separately from you with respect to sending you any “commercial electronic messages” as defined in Canada’s anti-spam legislation, found at S.C. 2010, c.23, as amended (“CASL”).

Changes to our Privacy Policy If we decide to change our privacy policy, we will post those changes on this page, and/or update the Privacy Policy modification date at the top of this page.

Contacting Us If there are any questions regarding this privacy policy you may contact us at the email address below: info@techtoronto.org