Terms of Use

Welcome to the Gibraltar Mortgage Ltd. Web Site

Please read these terms and conditions of use carefully before using this site. By using this site's services, viewing, downloading, or otherwise using any materials published on this web site ("Site"), you agree to be bound by these terms. If you do not agree to these terms, do not use this Site. This Site is owned and managed by the Corporation. ("Gibraltar").

Your Access Obligations

In consideration of your use of GIBRALTAR website, you agree to: (a) provide true, accurate, current and complete information about yourself if prompted by the Site's application form(s), and (b) maintain and promptly update your data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or GIBRALTAR has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, GIBRALTAR has the right to suspend or terminate your application and refuse any and all current or future use of services.

User Conduct
You understand that all information, data, text, software, music, sound, photographs, graphics, video, messages or other materials ("Content"), whether publicly posted or privately transmitted, are the sole responsibility of the person from which such Content originated. This means that you, and not GIBRALTAR, are entirely responsible for all Content that you upload, post, e-mail or otherwise transmit via the Service. GIBRALTAR does not control the Content posted via the Service and, as such, does not guarantee the accuracy, integrity or quality of such Content. You understand that by using GIBRALTAR services, you may be exposed to Content that is offensive, indecent or objectionable. Under no circumstances will GIBRALTAR be liable in any way for any Content, including, but not limited to, any errors or omissions in any Content, or for any loss or damage of any kind incurred as a result of the use of any Content posted, emailed or otherwise transmitted via the Service.

You agree not to use GIBRALTAR Services to:

Forge headers or otherwise manipulate identifiers in order to disguise the origin of any Content transmitted through the Service;
Impersonate any person or entity, including, but not limited to, a GIBRALTAR official, forum leader, guide or host, or falsely state or otherwise misrepresent your affiliation with a person or entity;
Post, e-mail, upload, or otherwise transmit any Content that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable;
Post, e-mail, upload or otherwise transmit any Content that you do not have a right to transmit under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
Post, e-mail, upload or otherwise transmit 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 or telecommunications equipment;
Post, e-mail, upload or otherwise transmit any Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights ("Rights") of any party;
Post, e-mail, upload or otherwise transmit any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation, except in those forums (such as shopping rooms) that are designated for such purpose;
Disrupt the normal flow of dialogue, cause a screen to "scroll" faster than other users of the Service are able to type, or otherwise act in a manner that negatively affects other users' ability to engage in real time exchanges;
Interfere with or disrupt the Service or servers or networks connected to the Service, or disobey any requirements, procedures, policies or regulations of networks connected to the Service;
Intentionally or unintentionally violate any applicable local, state, national or international law, including, but not limited to, regulations promulgated by the U.S. Securities and Exchange Commission, any rules of any national or other securities exchange, including, without limitation, the Toronto Stock Exchange, Canadian Venture Exchange, the New York Stock Exchange, the American Stock Exchange or the NASDAQ, and any regulations having the force of law;
Harass or "stalk" another; or
Collect or store personal data about other users.

Materials Available on This Web Site

GIBRALTAR permits you to use materials from this Site including, but not limited to white papers, press releases, datasheets and FAQ's ("Materials") provided that you observe the following:

the below Copyright Notice as well as any other applicable proprietary notice(s) appear on all copies of the Materials,
use of such Materials is for informational and non-commercial or personal use only and will not be copied or posted on any network computer or broadcast in any media unless expressly approved by GIBRALTAR, and
no modifications of any Materials are made. This permission does not include the right to use the design or layout of the Gibraltar Mortgage Ltd. web site or any other GIBRALTAR owned, operated, licensed or controlled site. Elements of GIBRALTAR web sites are protected by copyright, trademark and other laws, and they may not be copied or imitated in whole or in part. No logo, graphic, sound or image from any GIBRALTAR web site may be copied or retransmitted unless expressly permitted by GIBRALTAR.

Your use, reproduction or redistribution of the Materials for other purposes than those set forth above are expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible.

This site is offered in the English language and is intended for use in North America and other areas where that language is spoken.

Acceptable Use Policy

GIBRALTAR's network may only be used for lawful purposes.

Use of our Services in any way that is fraudulent or violates applicable laws, court orders or regulatory policies or tariffs, or interferes with or disrupts other network users, network services or network equipment is strictly prohibited. This includes but is not limited to spamming; introduction of computer worms or viruses; use of false identities; attempt to gain unauthorized entry to any site, machine or network; distribution of child pornography, obscene or defamatory material; or infringement upon the intellectual property of others.

All Canadian export laws concerning the transmission of technical data and other regulated materials with our Services must be complied with.

Compliance with all provincial, and local laws, rules, regulations, and ordinances is required.

Unsolicited e-mail messages are a violation of this policy, as is posting the same message to one or more Usenet news group (cross posting). Relaying of e-mail or news posts via another's site is also, strictly prohibited.

Complaints regarding e-mail abuse should be sent to Email Abuse Notice
Complaints regarding SPAM should be sent to Spam Abuse Notice
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Disclaimer

The materials and related graphics and services available at this site are provided 'as is' without warranties of any kind either express or implied, oral or written, and without any representations of suitability, including but not limited to, implied warranties of merchantability, fitness for a particular purpose, accuracy and completeness, title, non-infringement, or any warranties related to viruses.

GIBRALTAR may make changes to the functions or materials at this Site at any time without notice. GIBRALTAR does not warrant that the functions contained in the site or in the materials will be uninterrupted or error-free, that defects will be corrected, or that this site or the server(s) that make it available are free of viruses or other harmful components. GIBRALTAR does not warrant or make any representation regarding the use or the results of the use of the services and materials in this site in terms of their accuracy, reliability, correctness, or otherwise.

Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

Limitation of Liability

In no event, including but not limited to negligence, will GIBRALTAR, its agents, suppliers, employees, or other third parties referenced at this site be liable for any special, incidental, indirect or consequential damages (including, without limitation, damages for personal injury, business disruption, loss of business profits, loss of business or confidential information, loss of privacy, or any other pecuniary loss) arising out of the use of or the inability to use services, functions, materials, or any information available at this site or the provision of or failure to provide technical support or other services, even if GIBRALTAR or an authorized GIBRALTAR representative has been advised of the possibility of such damages.

Applicable law may not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you.

Links to Other Web Sites

GIBRALTAR may provide links to other web sites for your convenience. GIBRALTAR is not necessarily affiliated with sites which may be linked to this site and is not responsible for their content. GIBRALTAR does not control these linked sites and makes no representation regarding the quality, nature or reliability of any other web sites. The inclusion of any link does not imply GIBRALTAR's endorsement of such linked web site. Access them at your own risk. Anyone linking to a GIBRALTAR web site must comply with the Requirements for Linking to GIBRALTAR Web Sites and all applicable laws.

Requirements for Linking to GIBRALTAR Web Sites

If you would like to link to a GIBRALTAR web site, please read and comply with the following guidelines. A site that links to a GIBRALTAR web site:

May link to and replicate GIBRALTAR content (including GIBRALTAR logos) only in accordance with the GIBRALTAR Terms of Use.
Should not create a browser or border environment around GIBRALTAR content.
Should not imply that GIBRALTAR is endorsing it or its products.
Should not misrepresent its relationship with GIBRALTAR.
Should not present false information about GIBRALTAR products or services.
Should not contain content that could be construed as distasteful, offensive or controversial.

Service Interruptions

Temporary interruptions of services provided by this Site may occur from time to time as normal events. GIBRALTAR will exercise reasonable care to prevent such occurrences, but in no event will GIBRALTAR be liable for any financial or other damages due to such interruptions.

Termination

We reserve the right to immediately discontinue Services if you are in violation of these provisions and you shall be responsible for all charges incurred as of the date of termination.
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Copyright Notice

Copyright © 2004 - 2010 GIBRALTAR Corporation. All rights reserved. GIBRALTAR, and its logo or Gibraltar Real Estate Inc and its logo are trademarks of Gibraltar Mortgage Ltd. All other trademarks and registered trademarks are properties of their respective owners.

This site is owned and operated by Gibraltar Mortgage Ltd. and contains materials created, developed, or commissioned by GIBRALTAR and is protected by international copyright and trademark laws. The copyright in all material provided on this site is held by GIBRALTAR or the original creator of the material. Except as stated herein, none of the material (including but not limited to the text, images, audio, and/or video) may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise without the prior written permission of GIBRALTAR or the copyright owner, except that one copy may be downloaded for your personal, non-commercial use on a single computer. In connection with such use, you may not modify or obscure any copyright or other proprietary notice. Modification of the materials or use of the materials for any other purpose is a violation of GIBRALTAR copyright and other proprietary rights. For purposes of these terms, the use of any such material on any other web site or networked computer environment is prohibited.

Trademarks
GIBRALTAR, the GIBRALTAR logo, Gibraltar Real Estate, are registered trademarks or trademarks of GIBRALTAR, in Canada and/or other countries. All rights reserved. All other trademarks, trade names, or company names referenced here in are used for identification only and are the property of their respective owners.

General

Any rights not expressly granted herein are reserved. GIBRALTAR owns and manages this Site from its corporate headquarters in Calgary, Alberta, Canada and these Terms will be interpreted under the laws of the Province of Alberta, excluding its conflict of law rules. All information on this Site is subject to Canadian export control laws and may also be subject to the laws of the country where you reside. If you access this Site from outside of Canada, you are responsible for compliance with applicable local laws. For information regarding GIBRALTAR products, programs and services that may be available to you, contact your local GIBRALTAR business representative. This Site may refer to products, programs or services that are not available in your country.

GIBRALTAR may revise these Terms at any time by updating this posting. You should visit this page from time to time to review the then-current Terms because they are binding on you. Expressly designated legal notices or terms located on particular pages at this Site may supersede certain provisions of these Terms.

Contact GIBRALTAR with any questions/comments.
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Privacy

Gibraltar Mortgage Ltd. Privacy Policy

Effective as of January 1, 2005

Gibraltar Mortgage Ltd. recognizes your right to confidentiality and is seriously committed to protecting the privacy of our users and account holders. This Privacy Statement describes our information practices for GIBRALTAR's web site located at the URL, www.gibraltarmortgage.com. (the "Site"). GIBRALTAR reserves the right to change our Privacy Policy from time to time. If we make any substantial changes we will notify you by posting a prominent announcement on our pages. Please revisit our Privacy Policy from time to time to make sure that you are familiar with GIBRALTAR's current policy. Your continued use of the Site following any modifications to this Privacy Policy is acceptance of such changes. Please see GIBRALTAR's Terms of Use for more information on the terms and conditions governing the use of this Site.

Why does GIBRALTAR need my personally identifying and corporate information?

We do collect some personal information to provide you with customized services and content and to operate and manage this Site. The collection of personally identifying information also allows GIBRALTAR to advertise its products and/or services or the products and/or services of others in a more efficient manner.
GIBRALTAR may send users e-mail notifications of new features or information available through our service and the Site, and other information that might be of interest to users. We collect Internet protocol (IP) addresses (the location of your computer on the Internet) for system administration and troubleshooting purposes, and to report aggregate information to our advertisers and others. GIBRALTAR also collects and transfers to our business and service partners the personal and corporate information volunteered by users requesting information or quotes for various services offered through the Site. Lastly, GIBRALTAR uses personally identifying and corporate information for identification verification purposes on our Site and our services.

How does GIBRALTAR use cookies?

"Cookies" are small pieces of information that are stored by your web browser software on your computer's hard drive or temporarily in your computer's memory. The use of cookies is now an industry standard, and users will find them on most major web sites.

GIBRALTAR sometimes uses cookies to store and track user information on the Site. We use cookies to provide users with a more personalized, relevant, and intelligent service. GIBRALTAR also uses cookies to recognize user access privileges, track site usage, add advertisements for goods or services of interest, and estimate the GIBRALTAR Site audience size.

In addition, advertisers that serve ads via the GIBRALTAR site may also use their own cookies. Although most web browsers are initially set up to accept cookies, you may be able to decline the placement of a cookie on your hard drive by using the appropriate feature(s) of your web browser software to refuse cookies. If you choose to have your browser refuse cookies, some areas of the Site may not function properly when you view them.

GIBRALTAR disclosure of Personal Information to third parties

GIBRALTAR discloses publicly available or volunteered technical or reference information of users in aggregate form only, and not specific individual data, to advertisers and certain other third parties. For example, GIBRALTAR might tell an advertiser how many people visited the GIBRALTAR site during a particular period of time.

Users are required to disclose certain personally identifying and corporate information through registration to enable GIBRALTAR to deliver certain services, and/or to request information or service quotes from third parties that offer services through GIBRALTAR. GIBRALTAR does not control third parties, and can provide no assurances that such parties will not solicit users in the future by e-mail or otherwise.

GIBRALTAR will not sell or rent your personally identifiable information to anyone.

GIBRALTAR will send personally identifiable information about you to other companies or people when:

We have your consent to share the information;
We need to share your information to provide the product or service you have requested;
We need to send the information to companies who work on behalf of GIBRALTAR to provide a product or service to you. (Unless we tell you differently, these companies do not have any right to use the personally identifiable information we provide to them beyond what is necessary to assist us.);
We respond to court orders, subpoenas, and legal processes; or
We find that your actions on our web sites violate the GIBRALTAR Terms of Use, or any of our usage guidelines for specific products or services.

If you do not wish to have your personally identifying or corporate data shared with third parties, you may elect not to use services that require the disclosure of personally identifying or corporate information.
Except as stated above, GIBRALTAR does not disclose or transfer individual, personally identifying, or corporate information records to third parties, unless we reasonably believe we are required to do so by applicable law or valid legal process or to protect our property interests. We disclose any such information when we believe in good faith that the law requires it.

GIBRALTAR endeavors to deal only with third-party advertisers, retailers or service providers offering for sale products or services that GIBRALTAR believes may be of interest to users. Nevertheless, GIBRALTAR is not and cannot be responsible for the activities or privacy policies of these third parties.

Does the GIBRALTAR Privacy Policy extend to external web sites?

Users who click on hyperlinks or banner advertisements should understand that these sites may collect personally identifiable information about them. These third-party web sites are not controlled by GIBRALTAR and are not subject to this Privacy Policy. Users should check the privacy policies of these third-party web sites to see how their personal information will be used by the proprietors of these sites.

What does GIBRALTAR do to keep its information secure?

GIBRALTAR has implemented industry-standard security features throughout our site to prevent the unauthorized release of or access to personal identifying information. For example, database information is kept separate from live servers and is firewall-protected. Moreover, only authorized personnel have access to any stored, personal identifying information GIBRALTAR may collect on its users.

Please be advised that although GIBRALTAR has endeavored to create a secure and reliable site for our users, we cannot guarantee the confidentiality of any communication or material transmitted to or from the Site. When disclosing any personally identifying or corporate information, all users should remain mindful of the fact that it is potentially accessible to the public, and consequently, can be collected and used by others without user consent. Users should consider carefully if they want to submit sensitive information that they would not want disclosed to the public and should recognize that their use of the Internet and the Site is solely at their own risk. GIBRALTAR has no responsibility or liability for the security of personally identifying and corporate information transmitted via the Internet. We urge all of our users to exercise caution when conveying personally identifying and corporate information over the Internet.

Can I opt-out of GIBRALTAR's data collection and/or distribution?

GIBRALTAR cannot offer some of its services without some form of personally identifying or corporate information collection and distribution. Consequently, GIBRALTAR does ask for the submission of some personally identifying and corporate information. GIBRALTAR maintains your personally this information so long as you are registered for the GIBRALTAR services. When you cease to use GIBRALTAR's services, or at any other time, you may contact GIBRALTAR by clicking here to send an email to have your personally identifying or corporate information removed from our database.

What about any other questions?

If you have any questions about this Privacy Policy, you can contact GIBRALTAR at:

Gibraltar Mortgage Ltd.
Suite 300 Gibraltar Place
1000, 9th Avenue SW
Calgary, Alberta
Canada T4P 2Y6
1. 888. 878.0677 (toll free phone)
1. 866. 233.8115 (toll free fax)

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