Terms and Conditions

1.1. Licence

The Sites are maintained for your personal use and viewing, and Stowe reserves the right to change the Sites, including functions, features, references, specifications, or any other information contained in or on the Sites at any time, without notice to you. Stowe hereby grants you a personal, limited, revocable, non-transferable, non-assignable and non-exclusive licence to access, use and browse the Sites from Canada for your personal, non-commercial, and not-for-profit use only. Your use of the Sites does not transfer to you any ownership or other rights in the Sites or its Content (defined below). You may use the Sites only in the manner described expressly in the Terms and subject to all applicable laws. Using the Sites for any other purpose or in any other manner is strictly prohibited.

1.2. Term

The Terms shall remain in full force and effect while you use the Sites and Services. You may delete your account at any time by contacting us at the address below. Stowe may terminate your account in accordance with the present Terms at any time. Even after termination, your obligations under the Terms will remain in effect. You understand that termination of the Terms and your account may involve deletion of your information or User Content (defined below) that you have uploaded to our databases as part of the Services using your account. You agree that Stowe will not have any liability whatsoever to you for any termination of your account or related deletion of your information or User Content (defined below).

2.1. Access Controls

You must access, use, and ensure that only you access and use, the Sites via the access methods provided or approved by Stowe, and that such access and use are at all times in accordance with the Terms. In the event that you use the Sites in a manner that poses an imminent and material security risk to Stowe or other customers, Stowe may immediately suspend access to the applicable Sites, provided that Stowe will promptly restore access to the Sites once the risk has been remediated. You will not permit any unauthorized users to use the Sites, and you are responsible and liable for any unauthorized use of the Sites.

2.2. Access Credentials

You shall also be responsible for maintaining the security of your account, passwords (collectively, “Access Credentials”) and files, and for all uses of your account with or without your knowledge or consent. You shall ensure that it has appropriate security policies in place to safeguard the use of the Access Credentials. You are responsible for the distribution, ongoing management, maintenance, security and proper use of all Access Credentials. You shall immediately inform Stowe regarding any use of Access Credentials, even if only suspected, that may violate the security rules of the Sites or that may cause damage, including the loss of data, theft or the unauthorized disclosure of Confidential Information (defined below). If Stowe reasonably suspects unauthorized use of any Access Credentials (including either by an unauthorized individual or where such Access Credentials are being used in breach of these Terms), then Stowe may, in its discretion, cancel and/or reissue such Access Credentials as appropriate. You are responsible and liable for all activities that occur under your accounts.

2.3. Disclaimer

As between you and Stowe, you will have sole authority and responsibility for any and all use, decision or other action taken by or on behalf of you through the Sites. Stowe will in no way be liable or responsible for any such use, decision or other action rendered by or on behalf of you, for ensuring appropriate licensure or other qualifications, or for ensuring that your use, decision, or other actions taken by or on behalf of you through the Sites comply with applicable laws, including without limitation any restrictions on privacy. Without limiting the generality of the foregoing, you acknowledge that the Sites use artificial intelligence to analyze data, including User Content (defined below) and generate AI Outputs (defined below). You understand that: (i) AI Outputs (defined below) assist human decision making, but do not replace it (ii) you retain full authority and responsibility for all final decisions you take based on the AI Outputs (defined below); and (iii) artificial intelligence systems can produce inaccurate or incomplete outputs. You are and remain responsible for reviewing AI Outputs (defined below) generated by the Sites and ensuring human review is performed before acting on any AI Outputs (defined below). Stowe will in no way be liable or responsible for any use, decision or other action rendered by or on your behalf following the use of the Sites its artificial intelligence features and AI Outputs (defined below). This clause shall not be construed as restricting the scope of any other limitation of liability or indemnification clause you agreed to, to the benefit of Stowe, including, without limitation, sections 9 and 10 of the Terms.

3.1. Lawful Purposes

You agree to access and use the Sites and its Content (defined below) only for lawful purposes, and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of the Sites by any third party. Such restriction or inhibition includes, without limitation, (i) conduct which is unlawful, or which may harass or cause distress or inconvenience to any person, (ii) the transmission of obscene, or offensive content, as described in further detail in section 5 below, or (iii) the disruption of normal flow of dialogue within the Sites, or anything which in the sole discretion of Stowe imposes an unreasonable or disproportionately large load on the Sites infrastructure.

3.2. Prohibited Conduct

Without limiting the generality of the foregoing, you are prohibited from attempting to circumvent and from violating any security measures of the Sites. You are also prohibited from, without limitation:

• (i) modifying, translating, reverse engineering, decompiling, disassembling the Sites, the Content (as defined below) or any part thereof;
• (ii) using any robot, spider, or other automatic device, process, or means to access the Sites for any purpose, including monitoring or copying any of the material, and Content on the Sites;
• (iii) attempting to breach or breaching the security and/or authentication measures which are not authorized;
• (iv) restricting, disrupting or disabling service to users, hosts, servers, or networks;
• (v) illicitly reproducing TCP/IP packet header;
• (vi) disrupting network services and otherwise disrupting Stowe ability to monitor the Sites;
• (vii) renting, leasing, sublicensing or transferring any rights in the Sites or the Content;
• (viii) violating, plagiarizing or infringing on the rights of Stowe or any third party, including intellectual property rights, privacy, contractual or other personal or proprietary rights;
• (ix) any unauthorized use of the Content (including use on any other website or networked computer environment);
• (x) introducing any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful;
• (xi) attacking the Sites via a denial-of-service attack, distributed denial-of-service attack, flooding, mailbombing, or crashing;
• (xii) engaging in any conduct which Stowe, in its sole discretion, determines to be detrimental to its interests, including, without limitation, acting in a manner contrary to these Terms, or intentionally interfering with the proper working of the Sites or Stowe’s computer systems; and
• (xiii) modifying any of the pages, removing or altering any visible or non-visible identification, marks, notices, or disclaimers.

3.3. No Linking, Framing, Mirroring, Scraping or Data Mining

Links to the Sites without the express written permission of Stowe are strictly prohibited. Please let us know if you wish to link directly to pages on the Sites. We do not permit our pages to be loaded into frames on your site; the Sites must load into the user’s entire window. Stowe may, in its discretion, cancel and revoke any permission it may give to link to the home page of the Sites at any time and without any notice or liability. The framing, mirroring, scraping and/or data mining of the Sites or any of its Content in any form and by any means is also strictly prohibited. Stowe reserves the right to move or change our Sites URL at any time in order to meet changing business needs and to continually improve our online service.

4.1. Content

As between the parties, the Sites, and any and all right, title and interest in and to (i) content, material, page headers, custom graphics, button icons, and scripts and the presentation, arrangement, coordination, enhancement and selection of such and other information in text, graphical, video and audio forms, images, icons, software, designs, applications, data; (ii) data, records, documents, materials, notes, templates, reports, memorandum, and other documentation produced, generated, created or otherwise resulting from the use of the artificial intelligence models, algorithms and others provided by the Sites (“AI Outputs”); (iii) improvements, enhancements or modifications thereof; (iv) inventions, and Derived Data (defined below); (v) and other elements available on or through the Sites, (collectively referred to as “Content”) are the sole and unique property of Stowe, unless otherwise provided in the Terms, and are protected by Canadian and/or international intellectual property laws. No rights or licenses are granted except as expressly set forth in these Terms. All other rights are reserved

4.2. Ownership of Trademarks and Copyrights

As between the parties, all brand names, service names, product names, titles, and copyrights used in the Sites are trademarks or copyrights of Stowe. All rights are reserved. No permission is given by Stowe for their use, distribution, modification, or reproduction by any other person, and such use may constitute an infringement of the holders’ rights. It is strictly prohibited to use in any way the trade names, trademarks and logos displayed on the Sites or any other word, expression, name or symbol which could cause confusion as to the link or association of the user with Stowe or its endorsement or sponsorship of user’s products or services. Nothing appearing on the Sites or elsewhere shall be construed as granting, by implication, estoppel, or otherwise, any licence or right to use any trade names, trademarks and logos displayed on the Sites.

4.3. Derived Data

Notwithstanding anything to the contrary, Stowe has the right to collect and analyze data, AI Outputs, and other information relating to the provision, use and performance of various aspects of the Services and related systems and technologies (“Derived Data”), and Stowe will be free to use such Derived Data to improve and enhance the Services, and for other development, analysis, statistical, diagnostic and corrective purposes in connection with the Services and other offerings solely in anonymized form in connection with its business. Stowe may use anonymized and aggregated data to refine artificial intelligence models and benchmark performance. Stowe will not sell User Content or identify you in reports. No rights or licenses are granted except as expressly set forth herein.

4.4. Feedback

In the event you send Stowe, feedbacks, comments or other types of unsolicited comments (collectively, “Feedback(s)”), you agree that Stowe is not required to (i) use any Feedback, (ii) identify you when using any Feedback you may have submitted nor (iii) treat any Feedback as confidential, and will be entitled to use the Feedbacks, or any part thereof for any purposes whatsoever. By submitting Feedback, you hereby grant (or warrant that the owner of the Feedback grants) to Stowe and its assigns a perpetual, royalty-free, irrevocable, unrestricted, non-exclusive, assignable, transferable, sublicensable, right and licence to copy, modify, publish, create derivative works from, distribute, publicly display and otherwise use the Feedback or any ideas, concepts, know-how or techniques associated with the Feedback for any purpose whatsoever. You also agree, represent and warrant that all moral rights in and to the Feedback are waived.

5.1. User Content

The Sites allow you to post, send, share or upload health and wellness records, including without limitation, laboratory results, personal notes, wearable and wellness device data exports, diagnostic imaging reports, medical reports, or other materials, files and documents (collectively, the “User Content”). In addition to section 3.2 of the Terms, when posting, sending, sharing or otherwise uploading User Content, you agree, not to:

• (i) post or transmit any unlawful, threatening, abusive, libellous, defamatory, obscene, vulgar, pornographic, profane or indecent information of any kind, including, without limitation, any User Content constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any local, state, provincial, national or international law or regulation;
• (ii) post or transmit any User Content, including, without limitation, articles, images, stories, software or other material, which violates or infringes upon the rights of others, including material which is an invasion of privacy or publicity rights or which is protected by any intellectual property rights, including, without limitation, copyright, patent, trade secrets, trademark or other proprietary rights herein, or derivative works with respect thereto, without first obtaining permission from the owner or rights holder;
• (iii) post or transmit any User Content which contains a virus or other harmful component, or provides or creates computer viruses;
• (iv) post or transmit junk mail, chain letters, unsolicited mass mailing or spam;
• (v) posting, uploading or transmitting any User Content for commercial purposes, and which contain advertising or which engage in commercial activities and/or sales, or which involve contests, sweepstakes, barter and/or advertising; and
• (vi) downloading, archiving, storing, copying, reproducing, collecting, compiling, recompiling, using, modifying, adapting, translating or preparing any summaries, digests, derivative works, of the Sites and the Content, in whole or in part, including any photograph, description, reference, picture or other data or information obtained or derived from the Sites (excluding rights you have to access, and view under the terms hereof).

5.2. Licence

As between the parties, you retain ownership of all right, title and interest in and to the User Content provided to Stowe as part of the Services. By sending, posting, sharing or uploading User Content to the Sites, you grant Stowe a royalty-free, perpetual, non-exclusive, irrevocable, unrestricted, worldwide licence to use, reproduce, store, adapt, translate, modify, make derivative works from, transmit, distribute such User Content for the purpose of the Services only. In addition, you hereby agree to waive all moral rights in any User Content in favour of Stowe. You hereby warrant that any User Content you send, post or upload on this Sites does not contravene nor infringe on third party rights, including but not limited to third-party’s intellectual property rights, titles and interests.

5.3. Removal

Stowe may from time-to-time monitor or review transmissions, uploading, and the like of, on the Sites of User Content only in response to or as part of (i) a verified support request from you; (ii) in response to a valid legal order or regulatory requirement; or (iii) a security incident investigation, with appropriate logging and authorization. Without limiting the generality of the foregoing, Stowe reserves the right, in its sole discretion, to refuse to upload or remove any User Content. You acknowledge and agree that Stowe may, in its sole discretion, monitor the Sites periodically and disclose any information as necessary to satisfy any law, regulation or other governmental or court request, to operate this Sites properly or to protect itself or other users of the Sites. Stowe is under no obligation to do so and assume no responsibility or liability arising from the User Content of any such locations nor for any error, omission, infringement, defamation, obscenity, or inaccuracy contained in any information within such locations on the Sites.

5.4. Disclaimer

You acknowledge that you remain solely responsible for any and all User Content you send, post, share or upload in and to the Sites including the legality, reliability, appropriateness and originality thereof. Stowe expressly disclaims any liability for such transmission, sharing, posting, or uploading of User Content, including but not limited to any errors, omissions, losses, or damages arising from or related to the transmission, posting, sharing or uploading of User Content. You shall assess and bear all risks and liability that may be related to such transmission, posting, sharing or uploading of User Content related to the use of the Sites. As such, you agree to indemnify, defend, and hold harmless Stowe, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with the transmission, posting, sharing or uploading of User Content. This clause shall not be construed as restricting the scope of any other limitation of liability or indemnification clause agreed by you, to the benefit of Stowe, including sections 9 and 10 of the Terms.

6.1. Confidential Information

Stowe agrees to keep your confidential information private. For the purposes of the Terms, “Confidential Information” means all data and information of a confidential or proprietary nature in any form (including written, documentary, electronic, graphic and oral forms) of any kind, whether or not identified as confidential, that is disclosed by you or that is observed by Stowe, including (i) third-party information; and personal information, (ii) information or data which, by its nature or the circumstances of its disclosure to Stowe would reasonably be considered to be proprietary or confidential, (iii) information or data that is conspicuously marked by you as “confidential,” “proprietary,” “restricted,” or with other similar markings, and (v) non-public data provided by you to Stowe to enable the provision of the Services, including, User Content.

6.2. Use of Confidential Information

Stowe agrees: (i) to take reasonable precautions to protect such Confidential Information using not less than the same care with which it treats its own proprietary or confidential Information, but at all times using at least reasonable care, (ii) implement reasonable administrative, technical, physical and organizational safeguards to protect against unauthorized use or disclosure of Confidential Information, (iii) keep strictly confidential the Confidential Information, (iv) promptly notify you of any loss as well as unauthorized access, use or disclosure of Confidential Information, (v) not to use (except in performance of the Services or as otherwise permitted herein) or divulge to any third person any such Confidential Information, (vi) not use or employ Confidential Information for any commercial or operational purpose other than as permitted under these Terms, or in any manner that is detrimental to you, and (vii) not to disclose any of the Confidential Information, unless as explicitly provided in the Terms. Stowe is responsible and liable for the acts and omissions of any such employees and agents who have been provided with Confidential Information. You agree that the foregoing obligations do not apply to any information that Stowe can demonstrate through documentary evidence (w) is or becomes generally available to the public through no fault of Stowe or a party acting on its behalf, or (x) was in Stowe’s possession or known by it prior to receipt of the information from you, or (y) was rightfully disclosed to Stowe without restriction by a third party, or (z) was independently developed by Stowe without use of, access to, reliance on or reference to any Confidential Information.

6.3. Legal Orders and Actions

When Stowe is required by a legal authority with applicable jurisdiction to disclose any Confidential Information, to the extent not prohibited by applicable law, Stowe shall immediately provide you with written notice regarding the required disclosure so that you may seek a protective order or other appropriate remedy, or waive compliance by Stowe with this section. If, in the absence of a protective order, appropriate remedy or waiver by you, Stowe is required by applicable law to disclose such Confidential Information, Stowe may disclose that portion of the Confidential Information required to be disclosed, and shall (i) use commercially reasonable efforts to obtain reasonable assurances that such disclosed Confidential Information will be kept confidential, and (ii) provide Stowe with a copy of the Confidential Information that was disclosed.

6.4. Property

No provision of the Terms shall be construed as conferring upon Stowe any right, title, interest, ownership, or license to or in your Confidential Information or to your intellectual property rights contained in such Confidential Information, except as otherwise provided in these Terms.

Stowe shall collect, use, disclose or, otherwise process personal information as part of the Services in accordance with applicable data protection laws, and the Stowe Privacy Policy.

IMPORTANT NOTICE : Warning and important information please read carefully

8.1. Informational Purposes

The information, AI Outputs and Content provided or generated via the Sites are for your general information only. The Sites, AI Outputs and Content may contain medical information that is provided for the sole and only purpose of giving general information, and is not, and is not intended to be, in any case whatsoever, a substitute for informed and professional medical advice, diagnosis or treatment provided by a doctor or other qualified health care professional, and cannot replace them in any way. Each case is unique, and the information, AI Outputs and Content provided or generated via the Sites are not and should be considered, in any circumstances whatsoever, as medical advice, diagnosis or treatment. Always seek the advice of a doctor, or other qualified healthcare practitioner properly licensed to practice medicine or general healthcare in your jurisdiction, concerning any questions you may have regarding any information, AI Outputs or Content obtained from the Sites and any medical condition you believe may be relevant to you or someone else. Never disregard professional medical advice or delay in seeking a medical consultation because of something you have seen or read on the Sites. Only a health professional can confirm that an information, AI Output or Content contained on the Sites can apply to your own situation. Always seek the advice of your doctor or other healthcare practitioner before starting any new therapy, trial, treatment, product or other program. Information obtained by using the Sites, AI Outputs or its Content is not exhaustive and does not cover all diseases, ailments, physical conditions or their treatments. We recommend referring to reliable sources for more complete information and to consult your physician or another health professional for any particular question you may have in relation to your health condition.

8.2. Medical Emergencies

DO NOT use the Sites, AI Outputs and Content for medical emergencies. If you have a medical emergency, call a doctor, a qualified healthcare practitioner, or 911 immediately. Under no circumstances should you attempt to treat yourself based on anything you have seen, heard or read on the Sites, AI Outputs and Content.

9.1. Disclaimer

The Sites, Content and material relating to Stowe information, products, and services (or to third-party information, products, and services), are provided, on an “as is” and “as available” basis. In addition to sections 2.3 and 5.4 of the Terms, Stowe disclaims any representations, warranties and conditions either express or implied, to the maximum extent permissible under applicable law, including but not limited to the implied warranties of merchantability, satisfactory quality, fitness for a particular purpose, and implied warranties and conditions arising from the course of dealing or course of performance. Nothing in these Terms limits any rights, remedies or protections available to you under applicable consumer protection laws that cannot be excluded, restricted or waived by contract. Stowe cannot guarantee and does not promise availability of the Sites and Services or any specific results from use of the Sites and Services. Without limiting the generality of the foregoing, Stowe makes no representation, warranty or condition that: (i) the Sites will be compatible with your computer and related equipment and software; (ii) the Sites will be available or will function without interruption or will be free of errors or that any errors will be corrected; or (iii) the use of the Sites will not infringe the rights (including the intellectual property rights) of any person; and Stowe hereby disclaims any and all liability regarding such matters to the fullest extent permitted by applicable law. The information, and Content included in the Sites may not be comprehensive and, despite our efforts, it may not be complete, accurate, up to date, or applicable to the circumstances of any particular case. In addition, the integrity of the Sites, and the use made of the Sites cannot be guaranteed to be secure, free from viruses, Trojan horses, worms or other destructive, or disruptive components, defects, or error-free as information could be intercepted, corrupted, lost, or destroyed.

9.2. Limitation of Liability

To the fullest extent permitted by applicable law, Stowe and its subsidiaries, affiliates, directors, officers, employees, representatives, licensors and licensees will not be liable (and it is expressly excluded to the maximum extent permitted by law) for any inaccuracies or omissions or for any damage or losses, including any indirect, incidental, consequential, special, exemplary or punitive damages,, however caused, arising out of or in connection with your access to or use of, or inability to access or use, the Sites, Services, malicious content, malware, or software viruses/defects contained in or on the Sites, as well as data corruption, failed messages, transmission errors or problems, links to third-party Sites, third-party content, products or services, the use of inability to use the Sites or the Content.

9.3. User Responsibility

Any decisions or use you make based on information contained on the Sites are your sole responsibility, and Stowe will not be liable to you, or anyone else, for any decisions or use you, or anyone else, make in relation to the information provided through the Sites and its Content.

You agree to indemnify, defend, and hold harmless Stowe, and its subsidiaries, affiliates, directors, officers, employees, representatives, licensors and licensees (collectively, the “Indemnified Parties”) from and against all claims, losses, expenses, damages and costs, including reasonable attorneys’ fees, sustained, incurred or paid by the Indemnified Parties, resulting from any violation of the Terms, or any activity related to your use of the Sites, included but not limited to posting, sending, sharing or uploading User Content that contravenes or infringes third-party rights, by you or any other person accessing the Sites on your behalf, or your violation of any law or the rights of such third party. You will assist and co-operate as fully as reasonably required by the Indemnified Parties in the defence of any such claim or demand.

11.1. General Subscription Terms

This section sets out the general terms that apply to each paid subscription offered by Stowe (each, a “Subscription”). Subscriptions may be billed monthly or annually. A detailed description of the Services and benefits included in each type of Subscription, including any applicable features, method of performance, technical requirements, eligibility conditions, usage limits, geographic restrictions and other material limitations, is available at stowehealth.com/legal/service-description (the “Service Description”). The Service Description applicable when you purchase your Subscription forms part of your agreement with Stowe. The specific terms applicable to the Subscription you select, including the applicable Service Description, the applicable subscription fee (the “Subscription Fee”) and monthly or annual billing period (the “Billing Cycle”), will be presented to you during sign-up and will form part of your agreement with Stowe (the “Subscription Details”). Stowe may update the Service Description from time to time, but any material change affecting an existing Subscription will be made only in accordance with section 11.7 and applicable law. If there is a conflict between this section and the Subscription Details, the Subscription Details will govern with respect to the applicable Subscription, subject to applicable law.

11.2. Subscription Fees and Billing

When you purchase a Subscription, you authorize Stowe and its payment service providers to charge the payment method you select for the Subscription Fee, taxes and other agreed charges for the initial Billing Cycle and each subsequent Billing Cycle until you cancel. Unless otherwise stated in the Subscription Details, all amounts are in Canadian dollars. You must keep your billing, payment and contact information current, complete and accurate.

11.3. Promotional Offers and Codes

Stowe may offer free trials, discounted periods, promotional offers or promotional codes, subject to the Subscription Details. A promotional code must be entered during sign-up and will apply only if it is valid and you satisfy any applicable eligibility, redemption and usage requirements. Unless the Subscription Details state otherwise, a Subscription will automatically convert to the applicable full-price paid Subscription when a trial, discounted period or promotional offer ends unless you cancel before the applicable cancellation deadline. Promotional offers and codes may not be combined unless Stowe expressly permits otherwise and may be withdrawn before they are accepted.

11.4. Subscription Benefits and Availability

The benefits included in your Subscription are described in the applicable Service Description and Subscription Details. Those benefits are personal to you, are not transferable and may be used only in accordance with these Terms, the Service Description and the Subscription Details. Benefits may vary by Subscription and may be subject to usage limits, geographic availability, device or system requirements and other restrictions identified in the Service Description or Subscription Details. Stowe does not guarantee that every Service or benefit will be available at all times or in every location, except as expressly provided in the applicable Service Description or Subscription Details and subject to applicable law. Stowe may take reasonable steps to prevent misuse of a Subscription or its benefits, including suspending or terminating access where permitted by applicable law.

11.5. Automatic Renewal

If the Subscription Details provide for automatic renewal, your Subscription will renew at the end of each Billing Cycle for an additional monthly or annual Billing Cycle, as applicable, until cancelled. By purchasing the Subscription, you authorize Stowe to charge the then-applicable Subscription Fee, taxes and other agreed charges to your payment method for each renewal Billing Cycle. Stowe will provide any renewal notice required by applicable law.

11.6. Cancellation and Refunds

You may cancel the renewal of your Subscription using the cancellation method set out in the Subscription Details or through your account settings. To avoid the next recurring charge, you must cancel before the next renewal date, subject to any shorter notice period or other cancellation right required by applicable law. Unless otherwise stated in the Subscription Details or required by applicable law, cancellation stops future renewals, takes effect at the end of the current paid Billing Cycle, and does not immediately terminate your access to the Subscription benefits. Amounts already paid are non-refundable and will not be prorated, except as stated in the Subscription Details or required by applicable law. Nothing in this section limits any cancellation, refund or other rights available under applicable consumer protection laws.

11.7. Changes by Stowe

Stowe may, in its discretion, update the Service Description or modify, add, remove, replace, suspend or discontinue any aspect of a Subscription, including its Services, benefits, features, functionality, eligibility requirements, usage limits, availability, restrictions and Subscription Fee, from time to time. Stowe may make such changes with or without prior notice, except where notice is required by applicable law. Changes other than a change to the Subscription Fee will take effect on the date specified by Stowe or, if no date is specified, when implemented or posted in the Service Description. A change to the Subscription Fee will take effect at the start of your next renewal Billing Cycle. If Stowe provides notice of a change before your next renewal date and you do not agree to the change, your sole and exclusive contractual remedy is to cancel the renewal of your Subscription in accordance with section 11.6 before that renewal date. If you do not cancel before the renewal date, your Subscription will renew and the change will apply to the renewed Subscription. Except as required by applicable law, a change does not entitle you to a refund, credit or other compensation. Changes to Subscriptions and the applicable Service Description are governed by this section and not by section 14.4. Nothing in this section limits any right or remedy that cannot be excluded, restricted or waived under applicable law.

11.8. Failed Payments

If Stowe cannot process a recurring payment, Stowe may make a reasonable number of further attempts to process the charge and may suspend or terminate access to the paid Services after providing any notice required by applicable law. Any late, returned-payment or administrative fee will apply only if agreed by you and permitted by applicable law.

Stowe may communicate electronically with you in connection with the Services, for promotional offers, as well as to provide you with notices, disclosures, agreements, and other communications. You may opt to stop receiving promotional or non-essential electronic communications at any time by following the instructions provided with each message. Emails will include an Unsubscribe link.

Links contained in our Sites will lead to other websites or social media platforms that are not owned, affiliated or operated by Stowe. These links are provided for your information only. We have no control over any third party website and do not endorse, sponsor or recommend your use of such website. We are not responsible for the content of third-party websites and shall not be liable for any damages or injury arising from your use of such websites. Accordingly, we recommend that you read the applicable third party terms of use and privacy policies for more information

14.1. Entire Agreement

These Terms, together with the applicable Service Description, Subscription Details and any other terms expressly incorporated by reference, constitute the entire agreement between you and Stowe with respect to your access to and use of the Sites and Services and supersede any previous and contemporaneous communications, representations, understandings and agreements, whether oral or written, relating to that subject matter.

14.2. Assignment

The provisions of the Terms shall enure to the benefit of and be binding upon Stowe and its successors and assigns and related persons, and you and your heirs, executors, administrators, successors, and personal representatives (and those of any person you represent). You cannot assign any of your rights or delegate any of your obligations under the Terms. We may, however, assign any of our rights and obligations under these Terms to a third party, without obtaining your prior consent.

14.3. Waiver

The failure or delay by us to exercise or enforce any right or provision of the Terms will not constitute a waiver of future enforcement of that right or provision.

14.4. Changes to the Terms

Stowe may, in its discretion, amend, add to, remove or replace any provision of these Terms from time to time. Stowe may make such changes with or without prior notice, except where notice is required by applicable law. The then-current version of the Terms will be posted on the Sites and will identify the date on which it was last updated. A change will take effect on the date specified by Stowe or, if no date is specified, when the updated Terms are posted. If you do not agree to a change, your sole and exclusive contractual remedy is to discontinue your use of the Sites before the change takes effect. Your continued access to or use of the Sites after a change takes effect constitutes your acceptance of the updated Terms. Changes affecting a Subscription or the applicable Service Description are governed exclusively by section 11.7, including the effective date of those changes and your right to cancel the renewal of your Subscription before the next renewal date. Except as required by applicable law, a change does not entitle you to a refund, credit or other compensation. Nothing in this section limits any right or remedy that cannot be excluded, restricted or waived under applicable law.

Jurisdiction and Governing Law

The Sites is aimed at those who access it within Canada. Those who access the Sites from other locations are responsible for compliance with local laws (where applicable). Your use of the Sites and the operation of the Terms shall be governed by and construed in accordance with the laws of the province of Ontario and applicable federal laws of Canada, excluding any rules of private international law or the conflict of laws which would lead to the application of any other laws. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Ontario, located in the judicial district of Toronto.

14.5. Severability

In the event that any or any part of the terms contained in the Terms shall be determined by any competent authority to be invalid, unlawful or unenforceable to any extent, such term shall to that extent be severed from the remaining terms which shall continue to be valid and enforceable to the fullest extent permitted by law.

14.6. Contact

If you have any questions, you may contact us as listed below: