Terms of Use

TERMS OF USE

SMUDGEALLOT

 

OVERVIEW

ONLINE STORE TERMS

ORDER ACCEPTANCE AND CANCELLATION

NO REFUNDS

ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION

PRICES AND PAYMENT TERMS

PRODUCTS

GOODS NOT FOR RESALE OR EXPORT

SHIPMENTS, TITLE AND RISK OF LOSS

FORCE MAJEURE

ACCURACY OF BILLING AND ACCOUNT INFORMATION

OPTIONAL TOOLS

THIRD-PARTY LINKS

USER COMMENTS, FEEDBACK AND OTHER SUBMISSIONS

PERSONAL INFORMATION

INTELLECTUAL PROPERTY USE AND OWNERSHIP

ERRORS, INACCURACIES AND OMISSIONS

PROHIBITED USES

DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY

NO WARRANTY, NO LIABILITY

INDEMNIFICATION

ASSIGNMENT

SEVERABILITY

NON WAIVER

NO THIRD PARTY BENEFICIARIES

TERMINATION

ENTIRE AGREEMENT

GOVERNING LAW

CHANGES TO TERMS OF SERVICE

CONTACT INFORMATION

 

OVERVIEW

 

  1. This website is operated by Smudge Allot Inc.. (“we”, “us” “our(s)”).  Smudge Allot Inc. offers this website, including all products, information, tools and services that we may make available on it, to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.

 

  1. We provide an array of products that provide various heath benefits. We ship to Canada, the USA and internationally. If the laws in your country prohibit any of the products on our website, please do not use our website.

 

  1. Please read these Terms of Use (“Terms”) carefully before accessing or using our website. By accessing or using any part of the website, you agree to be bound by these Terms. If you do not agree, then you may not access the website. If these Terms are considered an offer, acceptance is expressly limited to these Terms.

 

  1. By visiting our website and/ or purchasing something from us, you agree to be bound by these Terms including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms apply to all users of the website, including without limitation users who are browsers, vendors, customers, merchants, and/ or contributors of content.

 

  1. Any new features or tools which are added to the current website shall also be subject to the Terms. You can review the most current version of the Terms at any time on this page.

 

  1. We reserve the right to update, change or replace any part of these Terms by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.

 

  1. Our website is hosted by Shopify Inc. They provide us with the online e-commerce platform that allows us to sell our products and services to you.

 

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NO MEDICAL ADVICE

 

  1. The products and claims made about specific products on or through the site have not been evaluated by the United States Food and Drug Administration and are not approved to diagnose, treat, cure or prevent disease.

 

  1. The website is not intended to provide diagnosis, treatment or medical advice. Products, services, information and other content provided on the website, including information that may be provided on the site directly or by linking to third-party websites are provided for informational purposes only. Please consult with a physician or other healthcare professional regarding any medical or health related diagnosis or treatment options.

 

  1. Information provided on the website and linked websites, including information relating to medical and health conditions, treatments and products may be provided in summary form. Information on the website including any product label or packaging should not be considered as a substitute for advice from a healthcare professional. The website does not recommend self-management of health issues. Information on the website is not comprehensive and does not cover all diseases, ailments, physical conditions or their treatment. Contact your healthcare professional promptly should you have any health related questions. Never disregard or delay medical advice based upon information you may have read on the website.

 

  1. Links to or access from any third party websites or resources is not an endorsement of any information, product or service. We are not responsible for the content or performance of any third party websites. Use of any third party websites is at your own risk.

 

  1. You should not use the information or services on the website to diagnose or treat any health issues or for prescription of any medication or other treatment. You should always consult with your healthcare professional and read information provided by the product manufacturer and any product label or packaging, prior to using any medication, nutritional, herbal or homeopathic product or before beginning any exercise or diet program or starting any treatment for a health issue. Individuals are different and may react differently to different products. You should consult your physician about interactions between medications you are taking and our products. Comments made in any forums on the website by employees or website users are strictly their own personal views made in their own personal capacity and are not claims made by us or do they represent our positions or views. Product ratings by any current or previous employees or website users are strictly their own personal views made in their own personal capacity and are not intended as a substitute for appropriate medical care or advice from a healthcare professional. We are not liable for any information provided on the website with regard to recommendations regarding supplements for any health purposes.

 

  1. Always check the product label or packaging prior to using any product. If there are discrepancies, customers should follow the information provided on the product label or packaging.

ONLINE STORE TERMS

 

  1. By agreeing to these Terms, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this website.

 

  1. You may not use our products for any illegal or unauthorized purpose nor may you, in the use of the website, violate any laws in your jurisdiction (including but not limited to copyright laws).

 

  1. You must not transmit any worms or viruses or any code of a destructive nature.

 

  1. A breach or violation of any of the Terms will result in an immediate termination of your access to the website.

 

  1. We reserve the right to refuse service to anyone for any reason at any time.

 

  1. You understand that your content (not including credit card information) may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.

 

  1. You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the website without express written permission by us.

 

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ORDER ACCEPTANCE AND CANCELLATION

 

  1. You agree that your order is an offer to buy, under these Terms, all products and/or services listed in your order. All orders must be accepted by us or we will not be obligated to sell the products or services to you. We may choose not to accept orders at our sole discretion, even after we send you a confirmation email with your order number and details of the items you have ordered.

 

NO REFUNDS

 

  1. All sales are final. We do not give refunds in any circumstances.

 

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ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION

 

  1. We are not responsible if information made available on this website is not accurate, complete or current. The material on this website is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this website is at your own risk.

 

  1. This website may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this website at any time, but we have no obligation to update any information on our website. You agree that it is your responsibility to monitor changes to our website.

 

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PRICES AND PAYMENT TERMS

 

  1. All prices, discounts and promotions posted on this website are subject to change without notice.

 

  1. The price charged for a product or service will be the price advertised on this website at the time the order is placed, subject to the terms of any promotions or discounts that may be applicable. The price charged will be clearly stated in your order confirmation email. Price increases will only apply to orders placed after the time of the increase.

 

  1. Posted prices do not include taxes or charges for shipping and handling. All such taxes and charges will be added to your total price and will be itemized in your shopping cart and in your order confirmation email.

 

  1. We strive to display accurate price information; however, we may, on occasion, make inadvertent typographical errors, inaccuracies or omissions related to pricing and availability. We reserve the right to correct any errors, inaccuracies or omissions at any time and to cancel any orders arising from such occurrences.

 

  1. We reserve the right at any time to modify or discontinue the website (or any part or content thereof) without notice at any time.

 

  1. We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the website.

 

  1. Terms of payment are within our sole discretion and, unless otherwise agreed by us in writing, payment must be received by us before our acceptance of an order.

 

  1. We accept most major credit cards and/or PayPal for all purchases.

 

  1. You represent and warrant that (i) the credit card information you supply to us is true, correct and complete, (ii) you are duly authorized to use such credit card for the purchase, (iii) charges incurred by you will be honoured by your credit card company, and (iv) you will pay charges incurred by you at the posted prices, including shipping and handling charges and all applicable taxes, if any, regardless of the amount quoted at the time of your order.

 

  1. We may charge a late payment interest of twenty-four percent (24%) per annum on undisputed amounts or the maximum rate permitted by law, whichever is less. Without waiving any of our other rights or remedies, we may refuse additional orders and suspend any services until all overdue amounts are paid in full.

 

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PRODUCTS

 

  1. We have made every effort to display as accurately as possible the colors and images of our products that appear on the website. We cannot guarantee that your computer monitor's display of any color will be accurate.

 

  1. We reserve the right, but are not obligated, to limit the sales of our products to any person, geographic region or jurisdiction. We may exercise this right on a case-by-case basis. We reserve the right to limit the quantities of any products or services that we offer.

 

  1. All descriptions of products or product pricing are subject to change at any time without notice, at the sole discretion of us. We reserve the right to discontinue any product at any time. Any offer for any product or service made on this website is void where prohibited.

 

  1. We do not warrant that the quality of any products, services, information, or other material purchased or obtained by you will meet your expectations, or that any errors in the website will be corrected.

 

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GOODS NOT FOR RESALE OR EXPORT

 

  1. You represent and warrant that you are buying products or services from the website for your own use only, and not for resale or export.

 

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SHIPMENTS, TITLE AND RISK OF LOSS

 

  1. We will arrange for shipment of the products to you. Please check the individual product page for specific delivery options. You will pay all shipping and handling charges unless otherwise specified in the order confirmation. International shipment rates vary based on total package weight and final destination.

 

  1. Title and risk of loss pass to you upon our transfer of the products to the carrier/delivery. Shipping and delivery dates are estimates only and cannot be guaranteed. We are not liable for any delays in shipments.

 

  1. USA Customers: The prices displayed on this website are quoted in Canadian dollars, and such prices do not include shipping and handling or sales taxes, if applicable, which will be added to your total invoice price. You agree and acknowledge that you are importing products into the USA that you buy in Canada, and that we are not exporting products from Canada into the USA. You are responsible for the payment of any and all shipping and handling charges and provincial, state and local sales or use taxes that may apply to your order. You shall also be responsible for paying all  customs duties, insurance costs, tariffs, or value-added taxes that may arise out of your importation of products from Canada into the USA.

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FORCE MAJEURE

 

  1. We will not be liable or responsible to you, nor be deemed to have defaulted or breached these Terms, for any failure or delay in our performance under these Terms, when and to the extent such failure or delay is caused by or results from acts or circumstances beyond our reasonable control, including, without limitation, acts of God, flood, fire, earthquake, tsunami, explosion, governmental actions, war, invasion or hostilities (whether war is declared or not), terrorist threats or acts, riot or other civil unrest, national emergency, revolution, insurrection, epidemic, lockouts, strikes or other labour disputes (whether or not relating to our workforce), or restraints or delays affecting carriers or inability or delay in obtaining supplies of adequate or suitable materials, materials or telecommunication breakdown, or power outage.

 

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ACCURACY OF BILLING AND ACCOUNT INFORMATION

 

  1. We reserve the right to refuse any order you place with us. We may, in our sole discretion, limit or cancel quantities purchased per person, per household or per order. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping address. In the event that we make a change to or cancel an order, we may attempt to notify you by contacting the e‑mail and/or billing address/phone number provided at the time the order was made. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers or distributors.

 

  1. You agree to provide current, complete and accurate purchase and account information for all purchases made at our website. You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed.

 

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OPTIONAL TOOLS

 

  1. We may in our discretion from time to time provide you with access to third-party tools over which we neither monitor nor have any control nor input.

 

  1. You acknowledge and agree that we provide access to such tools ”as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools.

 

  1. Any use by you of optional tools offered through the website is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s).

 

  1. We may also, in the future, offer new services and/or features through the website (including, the release of new tools and resources). Such new features and/or services shall also be subject to these Terms.

 

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THIRD-PARTY LINKS

 

  1. Certain content, products and services available via our website may include materials from third parties.

 

  1. Third-party links on this website may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third-parties.

 

  1. We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third-party's policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third party products should be directed to the third party.

 

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USER COMMENTS, FEEDBACK AND OTHER SUBMISSIONS

 

  1. If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (“comments”), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us. We are and shall be under no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments.

 

  1. We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion is unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms.

 

  1. You agree that your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the website or any related website. You may not use a false e‑mail address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third-party.

 

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PERSONAL INFORMATION

 

  1. Your submission of personal information through the website is governed by our Privacy Policy.

 

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INTELLECTUAL PROPERTY USE AND OWNERSHIP

 

  1. All content included in or made available through Smudgeallot, such as text, graphics, logos, images, and product videos are protected by Canadian, United States and international copyright laws. The compilation of all content included in or made available through Smudgeallot is the exclusive property of Smudgeallot and protected by such copyright laws.

 

  1. Smudgeallot and its licensors are and will remain the sole and exclusive owners of all intellectual property rights in and to each product made available on this website and any related specifications, instructions, documentation or other materials, including, but not limited to, all related copyrights, patents, and trademarks and other intellectual property rights, subject only to the limited license granted under the product's license agreement. You do not and will not have or acquire any ownership of these intellectual property rights in or to the products or services made available through this website, or of any intellectual property rights relating to those products.

 

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ERRORS, INACCURACIES AND OMISSIONS

 

  1. Occasionally there may be information on our website or in the website that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, product shipping charges, transit times and availability. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information in the website or on any related website is inaccurate at any time without prior notice (including after you have submitted your order).

 

  1. We undertake no obligation to update, amend or clarify information in the website or on any related website, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the website or on any related website, should be taken to indicate that all information in the website or on any related website has been modified or updated.

 

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PROHIBITED USES

 

  1. In addition to other prohibitions as set forth in the Terms, you are prohibited from using the website or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the website or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the website or any related website, other websites, or the Internet. We reserve the right to terminate your use of the website or any related website for violating any of the prohibited uses.

 

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DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY

 

  1. We do not guarantee, represent or warrant that your use of our service will be uninterrupted, timely, secure or error-free.

 

  1. We do not warrant that the results that may be obtained from the use of the service will be accurate or reliable.

 

  1. You agree that from time to time we may remove the service for indefinite periods of time or cancel the service at any time, without notice to you.

 

  1. You expressly agree that your use of, or inability to use, the service is at your sole risk. The service and all products and services delivered to you through the service are (except as expressly stated by us) provided 'as is' and 'as available' for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and noninfringement.

 

  1. In no case shall Smudgeallot, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the service or any products procured using the service, or for any other claim related in any way to your use of the service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content (or product) posted, transmitted, or otherwise made available via the service, even if advised of their possibility. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.

 

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NO WARRANTY, NO LIABILITY

 

  1. WE MAKE NO WARRANTY OR CONDITION WHATSOEVER WITH RESPECT TO THE PRODUCTS OR SERVICES PURCHASED THROUGH THE SITE, INCLUDING (i) ANY WARRANTY OR CONDITION OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR TITLE; OR (ii) WARRANTY AGAINST INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS OF A THIRD PARTY; WHETHER EXPRESS OR IMPLIED BY LAW, COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE OF TRADE OR OTHERWISE.

 

  1. WE MAKE NO REPRESENTATIONS, WARRANTIES OR CONDITIONS WITH RESPECT TO ANY THIRD-PARTY PRODUCT, INCLUDING ANY (i) WARRANTY OR CONDITION OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR TITLE; OR (ii) WARRANTY AGAINST INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS OF A THIRD PARTY; WHETHER EXPRESS OR IMPLIED BY LAW, COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE OF TRADE,\ OR OTHERWISE.

 

  1. IN NO EVENT SHALL WE BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY LOSS OF USE, REVENUE OR PROFIT, OR LOSS OF DATA OR DIMINUTION IN VALUE, OR FOR ANY CONSEQUENTIAL, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE OR AGGRAVATED DAMAGES WHETHER ARISING OUT OF BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND NOTWITHSTANDING THE FAILURE OF ANY AGREED OR OTHER REMEDY OF ITS ESSENTIAL PURPOSE.

 

  1. IN NO EVENT SHALL OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THIS AGREEMENT, WHETHER ARISING OUT OF OR RELATED TO BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, EXCEED THE AMOUNTS PAID BY YOU FOR THE PRODUCTS AND SERVICES SOLD THROUGH THE SITE.

 

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INDEMNIFICATION

 

  1. You agree to indemnify, defend and hold harmless Smudgeallot and any of our parents, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.

 

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ASSIGNMENT

 

  1. You will not assign any of your rights or delegate any of your obligations under these Terms without our prior written consent. Any purported assignment or delegation in violation of this Part is null and void. No assignment or delegation relieves you of any of your obligations under these Terms.

 

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SEVERABILITY

 

  1. In the event that any provision of these Terms is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms, such determination shall not affect the validity and enforceability of any other remaining Provisions.

 

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NON WAIVER

 

  1. The failure or delay by us to exercise or enforce any right or provision of these Terms will not constitute a waiver of future enforcement of that right or provision. The waiver of any right or provision will be effective only if in writing and signed by a duly authorized representative of Smudgeallot.

 

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NO THIRD PARTY BENEFICIARIES

 

  1. These Terms do not and are not intended to confer any rights or remedies upon any person or entity other than you.

 

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TERMINATION

 

  1. The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes.

 

  1. These Terms are effective unless and until terminated by either you or us. You may terminate these Terms at any time by notifying us that you no longer wish to use our website, or when you cease using our website.

 

  1. If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our website (or any part thereof).

 

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ENTIRE AGREEMENT

 

  1. The failure of us to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

 

  1. These Terms and any policies or operating rules posted by us on this website constitutes the entire agreement and understanding between you and us and govern your use of the website, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms).

 

  1. Any ambiguities in the interpretation of these Terms shall not be construed against the drafting party.

 

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GOVERNING LAW

 

  1. These Terms and any separate agreements whereby we provide you goods and services shall be governed by and construed in accordance with the laws of the province of Ontario and Canada.

 

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CHANGES TO TERMS OF USE

 

  1. You can review the most current version of the Terms at any time at this page.

 

  1. We reserve the right, at our sole discretion, to update, change or replace any part of these Terms by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website following the posting of any changes to these Terms constitutes acceptance of those changes.

 

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CONTACT INFORMATION

 

  1. Questions about the Terms should be sent to us atlauradandrea@smudgeallot.com

 

To You. We may provide any notice to you under these Terms by: (i) sending a message to the email address you provide or (ii) posting to the website. Notices sent by email will be effective when we send the email, and notices we provide by posting will be effective upon posting. It is your responsibility to keep your email address current.

 

To Us. To give us notice under these Terms, you must contact us at lauradandrea@smudgeallot.com

 

  1. We may update the facsimile number or address for notices to us by posting a notice on the website. Notices provided by personal delivery will be effective immediately. Notices provided by facsimile transmission or overnight courier will be effective one business day after they are sent.

 

  1. Notices provided by registered or certified mail will be effective three business days after they are sent.

 

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