We treat privacy very seriously. Any personal information you provide to us in connection with the Mogo Services will be dealt with as described in our Privacy Policy. You can view our Privacy Policy on the Site. You agree to the Privacy Policy, and any changes published by Mogo. You agree that Mogo may use and maintain your personal information according to the Privacy Policy, as part of the Mogo Services. You give Mogo permission to combine information you enter or upload for the Mogo Services with that of other users of the Mogo Services and/or other Mogo products and services. For example, this means that Mogo may use your and other users’ non-identifiable, aggregated data to improve the Mogo Services or to design promotions. Mogo may access or store personal information in multiple countries, including countries outside of your own country, to the extent permitted by applicable law.If you apply for or take out a product or service that is offered through a third-party provider (such as a Partner Loan from a Partner Lender, described below), then you may be required to review and consent to that third-party provider’s privacy policy. If this occurs, then that third-party provider’s privacy policy (and not the Mogo Privacy Policy) will dictate how the third-party provider uses, stores and shares your personal information. Mogo’s Privacy Policy will continue to dictate how Mogo uses, stores and shares your personal information.

The Mogo Services include access to the MogoAccount which currently provides instant access to two innovative products to eligible MogoAccount holders: a digital mortgage experience (“MogoMortgage”) and an instant decision on a pre-approval on a personal loan from Mogo (“MogoMoney”) or a loan from a Partner Lender (a “Partner Loan”). The Mogo Services are provided to you by Mogo without charge (they are free) and are meant to provide you with a new way to manage your finances through Mogo’s multi-product digital platform designed to help consumers get in control of their financial health. Certain products may not be available in all provinces and territories.

The Mogo Services may also present you information relating to third party products or services (“Mogo Offers”) that you may be interested in. The Mogo Services may also provide you general tips, recommendations and educational material.

Anyone is welcome to visit and browse the Site. Only persons who are resident in a Canadian province or territory where Mogo does business and are at least the age of majority in their province or territory of residence may apply for any account, product or services available on or through the Site, including without limitation, a MogoAccount, and by so applying you represent and warrant to Mogo that you meet those qualifications.
You may not enter any false, fraudulent, indecent, obscene, profane or otherwise inappropriate information into any application or other data entry form or page located on or through the Site, and you represent, warrant and agree that you will enter only true and accurate information into any form or page related to the Site, you will keep such information updated, and that you will use the Site only in compliance with all applicable laws.
You acknowledge and agree that Mogo does and will cooperate with law enforcement officials and agencies in any investigation of potential or alleged violations of any applicable law. You acknowledge and agree that Mogo may investigate (or have investigated on its behalf) allegations of infringement of third party rights or abuse or any other inappropriate use of the Site.

Some parts of the Mogo Services are supported by sponsored links from advertisers. The Mogo Services may display Mogo Offers that may be custom matched to you based on information stored in the Mogo Services, queries made through the Mogo Services or other information. We may disclose when a particular Mogo Offer is sponsored or otherwise provided by a third party.

The Mogo Services contain various links to third party websites. These are provided solely for your convenience, and Mogo does not endorse such websites or the products or services offered by them. You should review the terms of use, privacy policy, and other agreements contained on any such third party website before using such third party websites or acquiring any product or service from them, or providing any personal information to them. YOU ACKNOWLEDGE AND AGREE THAT MOGO WILL NOT BE RESPONSIBLE OR LIABLE FOR ANY LOSSES OR DAMAGES WHATSOEVER THAT YOU MAY SUFFER IN RELATION TO THE USE OF ANY THIRD PARTY WEBSITE OR ANY PRODUCT OR SERVICE OFFERED THEREON.

You agree and understand that you are responsible for maintaining the confidentiality of your password which, together with your login e-mail address, allows you to access your MogoAccount. That login email address and password, together with any mobile number or other information you provide form your “Registration Information.”

If you become aware of any unauthorized use of your Registration Information for the Mogo Services, you agree to notify Mogo immediately.

If you believe that your Registration Information or device that you use to access the Mogo Services has been lost or stolen or that someone is using your MogoAccount without your permission, you must notify Mogo immediately in order to minimize your possible losses by using the online chat option on the Site or by writing to us at Mogo Finance Technology Inc., PO Box 2419 Station Main, Winnipeg, Manitoba R3C 4A7.

Your right to access and use the Site and the Mogo Services is personal to you and is not transferable by you to any other person or entity. You are only entitled to access and use the Site and Mogo Services for lawful purposes. Accurate records enable Mogo to provide the Mogo Services to you. You must provide true, accurate, current and complete information about your accounts maintained at other websites, as requested in our Link Bank feature, and you may not misrepresent your Registration Information. In order for the Mogo Services to function effectively, you must also keep your Registration Information up to date and accurate. If you do not do this, the accuracy and effectiveness of the Mogo Services will be affected. You represent that you are the legal owner of, and that you are authorized to provide us with, all Registration Information and other information necessary to facilitate your use of the Mogo Services.

Your access and use of the Mogo Services may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of the Mogo Services or other actions that Mogo, in its sole discretion, may elect to take. In no event will Mogo be liable to any party for any loss, cost, or damage that results from any scheduled or unscheduled downtime.

Your sole and exclusive remedy for any failure or non-performance of the Mogo Services, including any associated software or other materials supplied in connection with such services, will be for Mogo to use commercially reasonable efforts to effectuate an adjustment or repair of the applicable service.

From time to time, Mogo may include new and/or updated pre-release features (the “Beta Features”) in the Mogo Services for your use and which permit you to provide feedback. You understand and agree that your use of the Beta Features is voluntary and Mogo is not obligated to provide you with any Beta Features. Furthermore, if you decide to use the Beta Features, you agree to abide by any rules or restrictions Mogo may place on them. You understand that once you use the Beta Features, you may be unable to revert back to the earlier version of the same or similar feature. Additionally, if such reversion is possible, you may not be able to return or restore data created within the Beta Features back to the earlier version. The Beta Features are provided on an “as is” basis and may contain errors or inaccuracies that could cause failures, corruption or loss of data and/or information from any connected device. You acknowledge and agree that all use of the Beta Features is at your sole risk.

Use of the Mogo Services may be available through the Internet and/or network access and may require software. You agree that you are solely responsible for these requirements, including any applicable changes, updates and fees as well as the terms of your agreement with telecommunications and/or Internet provider. MOGO MAKES NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, EXPRESS, STATUTORY OR IMPLIED AS TO: (A) THE AVAILABILITY OF TELECOMMUNICATION AND/OR INTERNET SERVICES FROM YOUR PROVIDER AND ACCESS TO THE MOGO SERVICES AT ANY TIME OR FROM ANY LOCATION; (B) ANY LOSS, DAMAGE, OR OTHER SECURITY INTRUSION OF THE TELECOMMUNICATION AND/OR INTERNET SERVICES; AND (C) ANY DISCLOSURE OF INFORMATION TO THIRD PARTIES OR FAILURE TO TRANSMIT ANY DATA, COMMUNICATIONS OR SETTINGS CONNECTED WITH THE MOGO SERVICES.

Unless otherwise specified, the Site and all of its elements and contents, including without limitation all graphics, text, logos and elements of design and layout of the Site, and its general look and feel (the “Mogo Content”) are subject to copyright, trade mark, and other laws protecting intellectual property, and Mogo reserves all such rights.
You agree not to intentionally, and to take all reasonable steps not to inadvertently, alter, corrupt, delete or add to the Site or any of the Mogo Content, or to alter or interfere with or attempt to alter or interfere with the operation of the Site, or to transmit or otherwise install or deliver to the Site any virus, worm or other damaging, invasive or disabling computer code that may control, monitor or otherwise affect the operation of the Site.
Except as specified in this Agreement or as otherwise agreed by Mogo in writing, you may not save, copy, print, display, reproduce, distribute, publish, license, resell, modify or create derivative works from, any Mogo Content, or otherwise use any Mogo Content in any manner not expressly permitted herein.

Despite the previous paragraph, without waiving its copyright or any other proprietary rights in any such material, Mogo hereby grants you a fully revocable, non-exclusive license to view and print agreement terms, documents and agreement-related information visible on the Site, provided that: (a) such material may only be used for non-commercial/informational purposes; (b) subject to paragraph (c), you may not modify any such material from the form in which it prints directly from the Site, and must retain any copyright or other proprietary notices visible on the Site; (c) if you distribute any copy of such material as permitted by this clause, each copy which you distribute contains or has attached a copy of this Agreement and the Privacy Policy in their respective entireties; (d) you may not resell or otherwise charge any amount for providing such material to any other person; and (e) upon notice from Mogo of revocation of this license in writing or otherwise, you (and any person to whom you have at that time distributed a copy of any such material) will immediately cease the use of, and destroy, all such copies, except as may be required by law. Further, automated or systematic downloading or retrieval of any Mogo Content from the Site is prohibited, as are your use of the Site to sell a product or service or to increase traffic to your website for commercial reasons.

The Site is visible across the world wide web and can therefore be viewed outside of Mogo’s home jurisdiction. The mere fact that you can view the Site from your jurisdiction does not imply that the products or services described on the Site are now, or will in future be, available in your jurisdiction.

You agree that you will not:

Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Mogo Services or any portion of the Mogo Services, without Mogo’s express written consent, which may be withheld in Mogo’s sole discretion;

Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including, without limitation, browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Mogo Services, other than the search engines and search agents available through the Mogo Services and other than generally available third party web browsers (such as Microsoft Explorer or Safari);

Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interfere with the proper working of the Mogo Services;

Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Mogo Services; or

Attempt to gain unauthorized access to any portion of the Mogo Services.

You are responsible for all content ("Your Content") you submit, upload, post or store through your use of the Mogo Services or the Site. You grant Mogo a worldwide, royalty-free, non-exclusive license to host and use any of Your Content provided through your use of the Mogo Services. Archive Your Content frequently. You are responsible for any of Your Content that is lost or unrecoverable. You must provide all required and appropriate warnings, information and disclosures. Mogo is not responsible for Your Content or data you submit through the Mogo Services. You have full responsibility for your Content, including its legality, reliability, appropriateness, originality, and copyright. By submitting Your Content to us, you represent that you have all necessary rights and hereby grant us a perpetual, worldwide, non-exclusive, royalty-free, sublicenseable and transferable license to use, reproduce, distribute, prepare derivative works of, modify, display, and perform all or any portion of Your Content in connection with the Mogo Services and our business, including without limitation, in future modifications of the Mogo Services, Beta Features, other products or services, and for promoting and redistributing part or all of the Site and the Mogo Services in any media formats and through any media channels. You also hereby grant each visitor a non-exclusive license to access Your Content through the Site, and to use, reproduce, distribute, prepare derivative works of, display and perform Your Content as permitted through the functionality of the Mogo Services and under this Agreement.

You agree not to use, nor permit any third party to use, the Mogo Services to: (a) post or transmit any message which is libelous or defamatory, or which discloses private or personal matters concerning any person; (b) post or transmit any message, data, image or program that is indecent, obscene, pornographic, harassing, threatening, abusive, hateful, racially or ethnically offensive, that encourages conduct that would be considered a criminal offense, give rise to civil liability or violate any law, or that is otherwise inappropriate; (c) post or transmit any message, data, image or program that would violate the property rights of others, including unauthorized copyrighted text, images or programs, trade secrets or other confidential proprietary information, and trademarks or service marks used in an infringing fashion; or (d) interfere with other visitors’ and customers’ use of the Mogo Services, including, without limitation, disrupting the normal flow of dialogue in an interactive area of the Site, deleting or revising any content posted by another person or entity, or taking any action that imposes a disproportionate burden on the Mogo Services infrastructure or that negatively affects the availability of the Mogo Services to others.

Except where expressly permitted, you may not post or transmit charity requests, petitions for signatures, franchises, distributorship, sales representative agency arrangements, or other business opportunities (including offers of employment or contracting arrangements), club memberships, chain letters, or letters relating to pyramid schemes, or any advertising, promotional materials or any other solicitation of other users to use goods or services.

The Mogo Services may include a community forum or other social features to exchange information with other users of the Mogo Services and the public. Mogo does not support and is not responsible for the content in these community forums. Please use respect when you interact with other users. Do not reveal information that you do not want to make public. Users may post hypertext links to content of third parties for which Mogo is not responsible.

Mogo may provide experiences on social media platforms such as Facebook®, Twitter®, Instagram®, TikTok®, YouTube®, Reddit®, Discord® and LinkedIn® that enable online sharing and collaboration among users who have registered to use them. Any content you post, such as pictures, information, opinions, or any personal information that you make available to other participants on these social platforms, is subject to the terms of use and privacy policies of those platforms. Please refer to those social media platforms to better understand your rights and obligations with regard to such content.

While Mogo uses reasonable efforts to include accurate and up-to-date information on this Site, it makes no representations or warranties, and provides no conditions, as to the truth, accuracy, reliability, usefulness, timeliness or completeness of that information. Mogo does not guarantee, and provides no warranties or conditions, that the Site or the Mogo Services will be sufficient or appropriate for every individual or situation, will be current, uninterrupted or error free. THE SITE, THE MOGO CONTENT AND THE MOGO SERVICES ARE PROVIDED ON AN “AS IS, AS AVAILABLE” BASIS, AND YOU USE THIS SITE AND THE MOGO SERVICES AT YOUR OWN RISK. THE MOGO CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. THE INFORMATION PROVIDED MAY NOT BE ACCURATE OR CURRENT, MAY NOT APPLY TO YOUR PARTICULAR SITUATION, OR MAY NOT BE SUITABLE OR APPROPRIATE FOR YOU. MOGO STRONGLY URGES YOU TO CONSULT A PROFESSIONAL OR SOME OTHER AUTHORITY IN THE APPROPRIATE FIELD BEFORE USING ANY OF THE INFORMATION IT PROVIDES, AND YOU ACKNOWLEDGE THAT THE SITE AND THE MOGO SERVICES ARE NOT INTENDED TO, AND SHOULD NOT BE CONSIDERED TO, PROVIDE ANY LEGAL, TAX, FINANCIAL PLANNING OR ACCOUNTING ADVICE. If you require advice in such fields, you should consult the appropriate professional advisors.
MOGO MAKES NO WARRANTY OR REPRESENTATION, AND PROVIDES NO CONDITION, THAT THE SITE OR THE MOGO SERVICES WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, OR THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED, OR THAT THE SITE IS FREE OF VIRUSES OR OTHER HARMFUL ELEMENTS. You are strongly advised to obtain and use appropriate anti-virus and security software.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, MOGO HEREBY EXPRESSLY DISCLAIMS AND BY USING THIS SITE AND THE MOGO SERVICES YOU WAIVE ALL CONDITIONS, REPRESENTATIONS AND WARRANTIES, WHETHER LEGAL, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED CONDITIONS, REPRESENTATIONS OR WARRANTIES OF MERCHANTABILITY, COMPATIBILITY, NON-INFRINGEMENT OF THIRD PARTIES’ RIGHTS, QUALITY OR FITNESS FOR PARTICULAR PURPOSE OR THE RESULTS THAT MAY BE OBTAINED FROM THE SITE OR THE MOGO SERVICES, WHETHER ARISING FROM STATUTE, COURSE OF DEALING, USAGE OF TRADE OR OTHERWISE.
THIS SECTION 13 WILL APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAWS.
You specifically agree that Mogo will not be responsible for unauthorized access to or alteration of the Site or any of the Mogo Services or your transmissions or data, any material or data sent or received or not sent or received, or any transactions entered into through the Site or relating to the Mogo Services. You specifically agree that Mogo is not responsible or liable for any threatening, defamatory, obscene, offensive or illegal content or conduct of any other party or any infringement of another’s rights, including intellectual property rights. You specifically agree that Mogo is not responsible for any content sent using or included in the Site or any of the Mogo Services by any third party.

NEITHER MOGO NOR THE MOGO SERVICES ARE INTENDED TO PROVIDE LEGAL, TAX, FINANCIAL PLANNING OR ACCOUNTING ADVICE. MOGO IS NOT A FINANCIAL PLANNER, BROKER OR TAX ADVISOR. The Mogo Services are intended only to assist you in managing your finances and are broad in scope. Your personal financial situation is unique, and any information and advice obtained through the Mogo Services may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NONE OF MOGO OR ANY THIRD PARTIES MENTIONED ON THE SITE AND THEIR RESPECTIVE AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, MANDATARIES, LICENSORS, SERVICE PROVIDERS AND REPRESENTATIVES, SHALL BE LIABLE FOR ANY DAMAGES (INCLUDING, WITHOUT LIMITATION, DIRECT, SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES INCLUDING LOST PROFITS, LOSS OF DATA, LOSS OF GOODWILL, FAILURE TO REALIZE EXPECTED SAVINGS OR BUSINESS INTERRUPTION) ARISING FROM OR RELATING TO THE USE (OR INABILITY TO USE) THE SITE, THE MOGO SERVICES, THE MOGO CONTENT, THE INFORMATION ON OR ANY LINK, PRODUCT OR SERVICE AVAILABLE THROUGH THIS SITE OR ANY OF THE MOGO SERVICES, OR ARISING OUT OF ANY ACTION TAKEN IN RESPONSE TO OR AS A RESULT OF ANY INFORMATION AVAILABLE ON THE SITE OR RELATING TO THE MOGO SERVICES. THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT MOGO IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU HEREBY WAIVE ANY AND ALL CLAIMS AGAINST MOGO, AND ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, MANDATARIES, LICENSORS, SERVICE PROVIDERS AND REPRESENTATIVES IN RESPECT OF ALL MATTERS REFERRED TO IN THE PRECEDING PARAGRAPH.
IF FOR ANY REASON OR IN ANY CIRCUMSTANCE MOGO IS FOUND LIABLE TO YOU, THE MAXIMUM AGGREGATE LIABILITY TO YOU, FOR ANY AND ALL CLAIMS ARISING IN ANY WAY FROM OR RELATING TO THE USE (OR INABILITY TO USE) THE SITE, THE MOGO SERVICES, THE MOGO CONTENT, THE INFORMATION ON OR ANY LINK, PRODUCT OR SERVICE AVAILABLE THROUGH THE SITE OR RELATING TO THE MOGO SERVICES, OR ARISING OUT OF ANY ACTION TAKEN IN RESPONSE TO OR AS A RESULT OF ANY INFORMATION AVAILABLE ON THE SITE, RELATING TO THE MOGO SERVICES OR OTHERWISE, SHALL BE LIMITED TO CDN$10.00.

You agree to indemnify and hold harmless Mogo, its affiliates, directors, officers, agents, mandataries, employees, licensors, Partner Lender, service providers and representatives for all losses, damages, expenses and costs, including reasonable legal counsel fees, arising from or in connection with any breach by you of this Agreement and/or your use or misuse of the Site or any Mogo Services or Mogo Content.

We hereby provide consent to you creating a single hyperlink to any page of the Site, provided that: (a) The content of the website (“your site”) from which you link to the Site is not offensive under, or in breach of, your local laws and standards or those of Canada, and in particular the content of your site does not promote or positively portray unlawful activity, violence or intolerance of any sort; (b) Your site is in compliance with all laws applicable in the jurisdiction in which it is hosted and all laws of Canada; (c) Your site does not misrepresent, overstate, exaggerate, or otherwise deceptively describe the Site, Mogo or the relationship between your site and either the Site or Mogo; (d) Your site does not disparage or in any way negatively portray Mogo, the Site, or any product or service offered by Mogo or on the Site; (e) Your site, including the link permitted under this provision, does not infringe on any intellectual property right of Mogo. More specifically (but without limiting the breadth of the previous sentence), your site does not use any material, logo, text, image, video, or graphic in which Mogo holds copyright or is a trade mark or service mark (registered or unregistered and whether or not any identifying "TM","SM", or ®/ "R" in a circle marking is used in association with such marks) of Mogo (including any logo or URL of Mogo, including the URL of the Site) except to the extent necessary to identify and link to the Site, and then only provided that a notice acknowledging Mogo’s ownership of the intellectual property is clearly displayed; (f) Your site does not, and no other website owned, controlled, or affiliated with you or your site, frames, mirrors, or otherwise displays any portion or content of the Site; and (g) You will, without any claim whatsoever arising there from, immediately upon request from a representative of the Site by telephone, facsimile, mail, email, or any other form of communication, remove any or all links to the Site from your site(s) as requested by such representative of the Site, whether or not such representative provides any reason or justification for such request. Your right to create any such link, in addition to be revocable as described above, is non-exclusive, and you acknowledge and agree that such right does not in any way provide you with any right or license (express, implied, by estoppel, or otherwise) in or to any Site content or any intellectual property of Mogo (or any third party the intellectual property of which is present or visible on the Site), including any copyright, trademark, service mark, patent, trade secret, trade dress or otherwise. Except as set out in this Section 17, you may not create any link to the Site without our express prior written consent.

If you believe that material in which you hold copyright is visible on the Site without your consent, please contact us immediately at: Mogo Finance Technology Inc. PO Box 2419 Station Main Winnipeg, Manitoba R3C 4A7. Please provide details of where the material is visible along with a description of the material, as well as your own name and contact information and such other information as is reasonably necessary to allow us to determine whether the Mogo Content in question infringes.

This Agreement will continue to apply until terminated by either you or Mogo as set out below. If you want to terminate this Agreement as it relates to your MogoAccount, you may do so by contacting us to close your MogoAccount. Your MogoAccount will be closed and your ability to log in deactivated within ten (10) days of your request. Your MogoAccount data will be removed as explained in our Privacy Policy.

To remove Mogo from your mobile device(s), delete the Mogo App. However, deleting the Mogo App will not delete your MogoAccount, it will only delete the data from the device.

Mogo may at any time, terminate its Agreement with you and access to the Mogo Services: (a) if you have breached any provision of this Agreement (or have acted in a manner which clearly shows that you do not intend to, or are unable to comply with the provisions of this Agreement); (b) if Mogo in its sole discretion believes it is required to do so by law (for example, where the provision of the Mogo Service to you is, or becomes, unlawful); or (c) for any reason and at any time with or without notice to you.

You acknowledge and agree that Mogo may immediately deactivate or delete your MogoAccount and all related information in or relating to your MogoAccount and/or prohibit any further access to the Mogo Services by you. Further, you agree that Mogo will not be liable to you or any third party for any termination of your access to the Mogo Services. We encourage you to download and retain copies of any agreements relating to the Mogo Services before requesting that we close your MogoAccount.

Mogo reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Site or Mogo Services with or without notice. Mogo reserves the right to change the Mogo Services, including applicable fees, in our sole discretion and from time to time. If you do not agree to the changes after receiving a notice of the change to the Mogo Services, you may stop using the Mogo Services. Your use of the Mogo Services after you are notified of any change(s) will constitute your agreement to such change(s). You agree that Mogo will not be liable to you or to any third party for any modification, suspensions, or discontinuance of the Mogo Services.

Mogo may modify this Agreement from time to time. Any and all changes to this Agreement may be provided to you by electronic means (i.e., via email or by posting the information on the Site). In addition, this Agreement will always indicate the date it was last revised. You are deemed to accept and agree to be bound by any changes to this Agreement when you use the Mogo Services after those changes are posted.

Except as otherwise specified in the specific terms of any agreement arising through your use of the Site or any of the Mogo Services: (a) this Agreement is to be interpreted and governed by the laws of the Province of Ontario and the laws of Canada applicable therein, without reference to principles of conflicts of laws; and (b) the courts located in Toronto, Ontario and the courts of appeal therefrom will have exclusive jurisdiction to hear and decide any and all disputes arising under this Agreement or otherwise arising from or relating to the Site, the Mogo Services and/or any Mogo Content. In the event that the laws of the Canadian jurisdiction in which you reside require that the laws of such jurisdiction apply to this Agreement and/or a venue located in such jurisdiction to hear all disputes arising under this Agreement, the foregoing governing law and/or venue, as applicable, will not apply to you.

Unless otherwise specified in this Agreement, this Agreement constitutes the entire agreement between you and Mogo with respect to the Site and the Mogo Services and supersedes all prior or communications and agreements (whether oral, written, or electronic) between you and Mogo with respect to the Site and the Mogo Services. If any part of this Agreement is held invalid or unenforceable, the remainder of this Agreement will remain in full force and effect. It is the express wish of the parties that this Agreement and all related documents be drawn up in English. C’est la volonté expresse des parties que la présente convention ainsi que tous les documents y afférents soient rédigés en anglais.

Mogo's failure to exercise or enforce any right or provision of this Agreement will not constitute a waiver of that right or provision. All such waivers will be in writing and duly signed by Mogo.

Regardless of any statute or law to the contrary, any claim and any cause of action against Mogo arising out of or related to use of the Site, the Mogo Services, the Mogo Content, this Agreement, or any other product or service available on or through the Site must be filed within one (1) year after the claim or cause of action arose.

The MogoAccount is currently available to individuals who have reached the age of majority and reside in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, New Brunswick, Prince Edward Island, Nova Scotia, Newfoundland, Yukon, the Northwest Territories or Nunavut and have passed identity verification. We will verify your identity. You authorize us to make any inquiries we consider necessary to validate your identity. These inquiries may include asking you for further information, such as your social insurance number, and/or requiring you to take steps to confirm ownership of your email address or financial instruments, ordering a credit report, or verifying information you provide against third party databases or through other sources. If you do not provide this information or Mogo cannot verify your identity, we can refuse to allow you to register for a MogoAccount.

If you are eligible and register for a MogoAccount, you will be provided instant access to two innovative MogoAccount Benefits, free of charge and with no impact to your credit score: (1) a digital MogoMortgage experience, which allows you to apply online in minutes for a mortgage pre-approval and includes a simple approval process that keeps you in the loop; and (2) an instant pre-approval decision on a MogoMoney personal line of credit or a Partner Loan.

The MogoAccount and certain of the MogoAccount Benefits may not be offered, applicable or available to you based on residency, age or other eligibility criteria or factors. MogoMortgage applications and MogoMoney are currently only available to age of majority residents of British Columbia, Alberta, Manitoba, Ontario, New Brunswick, Prince Edward Island, Nova Scotia and Newfoundland who have a MogoAccount and have passed identity verification. We may suspend or revoke your MogoAccount or any and all of your MogoAccount Benefits without notice to you at any time for any reason, including due to your inactivity or if you fail to comply with this Agreement. Without limiting the generality of the foregoing, Mogo reserves the right to suspend or revoke any existing MogoAccount Benefits if you are in default of your obligations with respect to any one or more MogoAccount Benefits and/or related products and services. Mogo reserves the right to suspend, revoke or terminate your MogoAccount and/or any of the MogoAccount Benefits and/or to disqualify you from participating in any promotional contests, incentives if it believes, in its sole discretion, that you are engaged in actual or suspected fraudulent or other improper activities.

By registering for a MogoAccount, you agree that we may send you account-based information and alerts regarding your MogoAccount or your MogoAccount Benefits (collectively, your “MogoAccount Notifications”) by email and/or text on a periodic basis. MogoAccount Notifications will be sent by email to the email address or by text message (standard text messaging rates may apply) to the mobile phone number you provided for your MogoAccount. If your email address or your mobile phone number changes, you are responsible for informing us of that change.

Mogo may add new MogoAccount Notifications from time to time, or cease to provide certain MogoAccount Notifications at any time upon its sole discretion.

You understand and agree that any MogoAccount Notifications provided to you may be delayed or prevented by a variety of factors. Mogo may make commercially reasonable efforts to provide MogoAccount Notifications in a timely manner with accurate information, but cannot guarantee the delivery, timeliness, or accuracy of the content of any MogoAccount Notification. Mogo will not be liable for any delays, failure to deliver, or misdirected delivery of any MogoAccount Notification; for any errors in the content of a MogoAccount Notification; or for any actions taken or not taken by you or any third party in reliance on a MogoAccount Notification.

The “Link Bank” feature is intended to verify your authority and access to external financial accounts by confirming your ability to access the external financial accounts. Your use of the Link Bank feature is subject to the terms and conditions of this Agreement. Proceeding with using the Link Bank feature constitutes your consent to and acceptance of this Agreement.

You agree to provide true, accurate, current and complete information about yourself and your accounts maintained at other financial institutions and you agree to not misrepresent your identity or your Account Information (as defined below).

By using the Link Bank feature, you authorize Mogo and its supplier (“Supplier”) to access third party sites designated by you, on your behalf, to retrieve information requested by you. For all purposes hereof, you hereby grant Mogo and Supplier a limited power of attorney, and you hereby appoint Mogo and Supplier as your true and lawful attorney-in-fact and agent, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third party websites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN MOGO OR SUPPLIER ACCESSES AND RETRIEVES INFORMATION FROM THIRD PARTY WEBSITES, MOGO AND SUPPLIER ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that third party account providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. You understand and agree that the Link Bank feature is not endorsed or sponsored by any third party account providers accessible through the Link Bank feature. You are licensing to Mogo and Supplier any information, data, passwords, materials or other content, including without limitation, your account balance and transaction data, (collectively, “Account Information”) you provide through or to the Link Bank feature. Mogo and Supplier may use, modify, display, distribute and create new material using such Account Information to provide the Link Bank feature to you. By submitting Account Information, you automatically agree, or promise that the owner of such Account Information has expressly agreed that, without any particular time limit, and without the payment of any fees, Mogo and Supplier may use the Account Information for the purposes set out above.

You agree that the results of the Link Bank feature are for use by you and Mogo and its service providers only in connection with the MogoAccount, using the Mogo Website. You agree not to reverse engineer or reverse compile any of the service technology, including but not limited to, any Java applets associated with the Link Bank feature.

YOU AGREE THAT NEITHER MOGO NOR SUPPLIER NOR ANY OF THEIR AFFILIATES, ACCOUNT PROVIDERS OR ANY OF THEIR AFFILIATES WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF MOGO OR SUPPLIER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM THE USE OR THE INABILITY TO USE THE LINK BANK FEATURE OR ANY OTHER MATTER RELATING TO THE LINK BANK FEATURE, INCLUDING BUT NOT LIMITED TO: (A) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES; (B) ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE LINK BANK FEATURE; (C) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (D) STATEMENTS OR CONDUCT OF ANYONE ON THE LINK BANK FEATURE; OR (E) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY ACCOUNT PROVIDER SITE, EVEN IF THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES.

You agree to indemnify and hold harmless Mogo and Supplier and their affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorney fees) caused by or arising from your use of the Link Bank feature or your violation of the terms and conditions of this Agreement.

You agree that Supplier is a third- party beneficiary of the above provisions, with all rights to enforce such provisions as if Supplier were a party to this Agreement.

As part of the Link Bank feature, you will also be required to enter into an Authorization for Pre-Authorized Debits (PAD) (the “PAD Agreement”).

To view a copy of the PAD Agreement. Click here

We’ve said goodbye to Credit Score Monitoring and are no longer providing this service effective March 28, 2023. As a result, any users who were eligible to receive their free credit score on a monthly basis would have received their last free credit score from us at the beginning of March 2023.Moving forward, by registering for a MogoAccount, you will be entitled to receive and view a one-time free credit score, consisting of a single-bureau credit score. You may opt in or out of receiving your credit score in the Account section of the MogoAccount. Mogo will obtain the credit reports from Equifax Canada Co., located at Box 190 Jean Talon Station, Montreal, Quebec H1S 2Z2.

Mogo uses ERS 2.0 from Equifax, a leading score used by a variety of lenders in various industries, for the purpose of providing you with your one-time free credit score. The Equifax credit score is based on Equifax’s proprietary model and may not be the same score used by third parties to assess your creditworthiness. The provision of this score to you is intended for your own educational use only. Third parties will take into considerations other information in addition to a credit score when evaluating your creditworthiness.

In order to receive your one-time free credit score, you acknowledge and agree that you must be the age of majority in your province or territory of residence and have passed identity verification and must consent to Mogo using your personal information to get a credit score or report from a credit reporting agency for the purposes of providing you with your one-time free credit score and determining whether you are pre-approved for MogoMoney or Partner offers, which you are not obligated to take in order to get your credit score. This initial credit check on sign-up will not impact your credit score.

You acknowledge that Mogo may cease providing a one-time free credit score for any reason at any time.

You acknowledge that Mogo is not a credit bureau, credit repair company or similarly regulated organization under applicable laws, and does not provide credit repair services. Any information provided via credit score is for your educational and reference purpose only and is provided at no additional charge. Your one-time free credit score is intended to provide you with general information and is not intended to provide, legal, tax or financial advice. We do not provide any services to repair or improve your credit profile or credit score, nor do we provide any representation that the information we provide will actually repair or improve your credit profile or credit score. Consult the services of a competent licensed professional when you need any type of this assistance.

Mogo reserves the right to temporarily suspend or permanently terminate providing a one-time free Credit Score at any time, for any reason, in its sole discretion.

IN ADDITION TO THE OTHER DISCLAIMERS OF LIABILITY SET OUT IN THESE TERMS, MOGO EXPLICITLY DISCLAIMS ANY AND ALL LIABILITY FOR ANY AND ALL LOSSES YOU MAY SUFFER AS A RESULT OF THE DISCONTINUANCE OF CREDIT SCORE MONITORING INCLUDING, WITHOUT LIMITATION: (A) ANY LOSSES, COSTS OR DAMAGES RELATED TO YOUR INABILITY TO USE OR ACCESS THE CREDIT SCORE MONITORING SERVICES; AND/OR (B) ANY OTHER SIMILAR LOSS.

We’ve said goodbye to MogoProtect and are no longer providing this service effective March 28, 2023.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NONE OF MOGO OR ANY OF ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, SERVICE PROVIDERS AND REPRESENTATIVES, WILL BE LIABLE FOR ANY DAMAGES (INCLUDING, WITHOUT LIMITATION, DIRECT, SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES INCLUDING LOST PROFITS, LOSS OF DATA, LOSS OF GOODWILL, FAILURE TO REALIZE EXPECTED SAVINGS OR BUSINESS INTERRUPTION) ARISING FROM OR RELATING TO YOUR USE OR INABILITY TO USE OR ACCESS THE MOGOPROTECT SERVICES, OR ARISING OUT OF ANY ACTION TAKEN IN RESPONSE TO OR AS A RESULT OF ANY INFORMATION RELATING TO THE MOGOPROTECT SERVICES. THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT MOGO IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU HEREBY WAIVE ANY AND ALL CLAIMS AGAINST MOGO, AND ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, SERVICE PROVIDERS AND REPRESENTATIVES IN RESPECT OF ALL MATTERS REFERRED TO IN THE PRECEDING PARAGRAPH.IF FOR ANY REASON OR IN ANY CIRCUMSTANCE MOGO IS FOUND LIABLE TO YOU, THE MAXIMUM AGGREGATE LIABILITY TO YOU, FOR ANY AND ALL CLAIMS ARISING IN ANY WAY FROM OR RELATING TO THE USE (OR INABILITY TO USE), THE MOGOPROTECT SERVICES OR ARISING OUT OF ANY ACTION TAKEN IN RESPONSE TO OR AS A RESULT OF ANY INFORMATION RELATING TO THE MOGO SERVICES OR OTHERWISE, WILL BE LIMITED TO CDN$10.00.

‍IN ADDITION TO THE OTHER DISCLAIMERS OF LIABILITY SET OUT IN THESE TERMS, MOGO EXPLICITLY DISCLAIMS ANY AND ALL LIABILITY FOR ANY AND ALL LOSSES YOU MAY SUFFER AS A RESULT OF THE DISCONTINUANCE OF MOGOPROTECT INCLUDING, WITHOUT LIMITATION: (A) ANY LOSSES, COSTS OR DAMAGES RELATED TO YOUR INABILITY TO USE OR ACCESS THE MOGOPROTECT SERVICES; (B) ANY IDENTITY THEFT AND/OR FRAUD WHICH YOU MAY SUFFER; AND/OR (C) ANY OTHER SIMILAR LOSS.

MogoMortgage applications are only available to age of majority residents of British Columbia, Alberta, Manitoba, Ontario, New Brunswick, Prince Edward Island, Nova Scotia and Newfoundland who have a MogoAccount and have passed identity verification.

By registering for a MogoAccount, you will have access to a digital MogoMortgage experience, which allows you to apply online in minutes for a mortgage pre-approval offer, includes a simple approval process that keeps you in the loop, and may include an overview of all your mortgage information, including your monthly payments, and current mortgage amount, if you go forward with a MogoMortgage.

If you go forward with a MogoMortgage, the lender may share with Mogo any data and information that the lender has relating to your MogoMortgage (“Lender Data”). This will allow Mogo to provide you with Lender Data as part of administering your MogoMortgage in your MogoAccount, including on the MogoMortgage dashboard, through Mogo Notifications and periodic mortgage statements. Depending on your offer, the lender may have different types of Lender Data available for us to show on your MogoMortgage dashboard. Mogo cannot always foresee or anticipate technical or other difficulties which may result in failure to obtain Lender Data or loss of Lender Data or other service interruptions. Mogo cannot assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any Lender Data.

If you apply for a MogoMortgage with a co-applicant, your co-applicant will be required to register for a MogoAccount and pass identity verification if they do not already have an active MogoAccount. They will also be required to consent to and agree to the terms of our MogoMortgage consent.

MogoMortgage rates are subject to change without notice at any time. Offers may change or be withdrawn at any time without notice. Other conditions and restrictions apply. The comparative rates shown on the Site may not be the provider's actual rates and are not guaranteed to always be updated in a timely fashion.

MogoMortgage is offered by Mogo Mortgage Technology Inc. o/a MogoMortgage.

For more information regarding your MogoMortgage, please refer to your MogoMortgage closing package, including without limitation, the disclosure statement.

Effective June 6, 2023 transactions are no longer able to be processed and MogoCard users cannot load their cards. If you were a MogoCard user, please login to your MogoAccount settings and verify your current email address and address to ensure they’re up to date. If you have questions about reimbursement of an existing MogoCard balance, transaction disputes and/or anything pertaining to your MogoCard, please login to your MogoAccount at www.mogo.ca and reach out to us via our chatbot.

Previous MogoCard users should review any pre-authorized payments that were set up on their MogoCard to ensure pre-authorizations are changed to a different payment method immediately.

The following terms and conditions are supplemental to the MogoCard Terms and Conditions which can be downloaded here, and will continue to apply to MogoCard users. The MogoCard Terms and Conditions will prevail over any conflict or inconsistency with this Agreement. MogoCard means the Mogo Visa* Platinum Prepaid Card. Your MogoCard balance is not insured by the Canada Deposit Insurance Corporation.

IN ADDITION TO THE OTHER DISCLAIMERS OF LIABILITY SET OUT IN THESE TERMS, MOGO EXPLICITLY DISCLAIMS ANY AND ALL LIABILITY FOR ANY AND ALL LOSSES YOU MAY SUFFER AS A RESULT OF THE DISCONTINUANCE OF THE MOGOCARD INCLUDING, WITHOUT LIMITATION: (A) ANY LOSS RESULTING FROM YOUR FAILURE TO SUBMIT CORRECT OR ACCURATE INFORMATION TO MOGO IN CONNECTION WITH THE TRANSFER OF ANY REMAINING MOGOCARD BALANCE TO YOU, OR OTHERWISE; (B) ANY LOSS, COST OR DAMAGE THAT RESULTS FROM THE INABILITY TO PROCESS ANY RECURRING PRE-AUTHORIZED OR SIMILAR TRANSACTION ON YOUR MOGOCARD ON OR FOLLOWING THE DATE OF MOGOCARD’S DISCONTINUANCE; (C) ANY LOSS RELATED TO MOGO’S FAILURE OR INABILITY TO TRANSFER YOU ANY REMAINING MOGOCARD BALANCE WITHIN THE SPECIFIED TIMELINE DUE TO A TECHNICAL ERROR OR OTHER PROBLEM WITH OUR SYSTEMS, A THIRD-PARTY COMPANY OR ISSUES RELATED TO YOUR EMAIL ACCOUNT OR MOBILE BANKING SERVICE.; AND/OR (D) ANY OTHER SIMILAR LOSS

MogoMoney is currently only available to age of majority residents of British Columbia, Alberta, Manitoba, Ontario, New Brunswick, Prince Edward Island, Nova Scotia and Newfoundland who have a MogoAccount and have passed identity verification.

By registering for a MogoAccount, you will receive an instant decision on pre-approval for MogoMoney, Mogo’s range of personal loans of up to $35,000 from Mogo or a loan from a third-party lender (a “Partner Lender”). Pre-approval is based on information submitted in your MogoAccount application and/or other information that indicates you could meet our underwriting requirements. Your pre-approval for credit remains subject to our credit approval process which includes but is not limited to income and identity verification and validation of information submitted through the Site. To meet our underwriting requirements further documentation may be requested from you. Minimum income requirements may apply for some products. Approval is not guaranteed and we reserve the right to deny services to you. Final approval is subject to review and verification of income and supporting documents provided.

MogoMoney and Partner Loan rates are subject to change without notice at any time. Offer may change or be withdrawn at any time without notice. Other conditions and restrictions apply.

If you get a loan from a Partner Lender (a “Partner Loan”) then your Partner Loan will be governed by the loan agreement that you enter into with that Partner Lender. Partner Loans are not Mogo loans. Mogo is not a party to your Partner Loan agreement and the Partner Lender will service your Partner Loan. If you have any questions about your Partner Loan or your Partner Loan Agreement or if your Partner Loan becomes overdue, you will need to contact and/or coordinate with the Partner Lender directly. In addition, the Partner Lender may contact you directly about your Partner Loan.

Mogo explicitly disclaims any and all liability respecting your Partner Loan and/or your Partner Loan agreement. If you go forward with a Partner Loan, the Partner Lender may share with Mogo any data and information that the Partner Lender has relating to your Partner Loan (“Partner Data”). This will allow Mogo to provide you with Partner Data as part of administering your Partner Loan in your MogoAccount, including on the MogoMoney dashboard and through Mogo Notifications. Depending on your offer, the Partner Lender may have different types of Partner Data available for us to show on your MogoMoney dashboard. Mogo cannot always foresee or anticipate technical or other difficulties which may result in failure to obtain Partner Data or loss of Partner Data or other service interruptions. Mogo cannot assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any Partner Data.

If you are approved for a MogoMoney loan or a Partner Loan, please refer to your loan agreement for additional terms and conditions which will prevail over any conflict or inconsistency with this Agreement.

As of October 13, 2022, we stopped offering our MogoCrypto product to new users, and existing users were no longer able to add fiat to their accounts or buy more bitcoin.

In accordance with our previous notices, any existing MogoCrypto (Bitcoin) account holders who did not transfer their bitcoin holdings or sell and withdraw their bitcoin holdings by 5:00pm EST on December 12, 2022 (the “Action Deadline”) have now had their bitcoin holdings liquidated. For more information, or to obtain answers to your questions, please contact us at mogocrypto@mogo.ca.

IN ADDITION TO THE OTHER DISCLAIMERS OF LIABILITY SET OUT IN THESE TERMS, MOGO EXPLICITLY DISCLAIMS ANY AND ALL LIABILITY FOR ANY AND ALL LOSSES YOU MAY SUFFER AS A RESULT OF THE DISCONTINUANCE OF THE MOGOCRYPTO PRODUCT INCLUDING, WITHOUT LIMITATION: (A) ANY GAINS OR LOSSES THAT YOU MAY INCUR AS A RESULT OF CHOOSING TO SELL YOUR BITCOIN OR AS A RESULT OF ANY SALE ON YOUR BEHALF BY MOGO; (B) ANY LOSS OF OPPORTUNITY, FEES OR CHARGES; (C) ANY LOSS RESULTING FROM YOUR FAILURE TO SUBMIT CORRECT OR ACCURATE INFORMATION TO MOGO IN CONNECTION WITH THE TRANSFER OF YOUR BITCOIN HOLDINGS TO COINSQUARE, THE WITHDRAWAL OF ANY FIAT TO YOUR BANK ACCOUNT, OR OTHERWISE; (D) ANY LOSS, COST OR DAMAGE THAT RESULTS FROM ANY INABILITY TO SELL YOUR BITCOIN HOLDINGS USING MOGOCRYPTO DUE TO TECHNICAL LIMITATIONS AFTER INITIATING A TRANSFER TO COINSQUARE DUE TO ANY HOLD PERIOD WHICH MAY BE IMPLEMENTED DUE TO A PENDING TRANSFER; (E) ANY LOSS RELATED TO THE LIQUIDATION OF YOUR BITCOIN HOLDINGS AS A RESULT OF YOU BEING INELIGIBLE FOR A COINSQUARE ACCOUNT; AND/OR (F) ANY OTHER SIMILAR LOSS.

We’ve said goodbye to our Rewards Program.

As of October 13, 2022, Mogo stopped issuing rewards in connection with the Mogo Rewards Program.

In accordance with our previous notices, any MogoMembers who: (i) held only Rewards awarded to them by Mogo; and (ii) did not transfer or sell and withdraw their Rewards by the Action Deadline, have now had their Rewards automatically forfeited.

If you are a MogoMember who: (i) had Rewards gifted to you by Mogo in your Rewards Account and held bitcoin you purchased with your own fiat in your MogoCrypto (Bitcoin) Account; and (ii) you did not transfer or sell and withdraw your Rewards and bitcoin holdings by the Action Deadline, then your Rewards and bitcoin holdings have been now been automatically liquidated. For more information, or to obtain answers to your questions, please contact us at mogocrypto@mogo.ca.

‍IN ADDITION TO THE DISCLAIMERS OF LIABILITY SET OUT IN THESE TERMS, MOGO EXPLICITLY DISCLAIMS ANY AND ALL LIABILITY FOR ANY AND ALL LOSSES YOU MAY SUFFER AS A RESULT OF THE DISCONTINUANCE OF MOGO’S REWARDS PROGRAM INCLUDING, WITHOUT LIMITATION: (A) ANY GAINS OR LOSSES THAT YOU MAY INCUR AS A RESULT OF CHOOSING TO SELL YOUR REWARDS OR AS A RESULT OF ANY SALE ON YOUR BEHALF BY MOGO; (B) ANY LOSS OF OPPORTUNITY, FEES OR CHARGES; (C) ANY LOSS RESULTING FROM YOUR FAILURE TO SUBMIT CORRECT OR ACCURATE INFORMATION TO MOGO IN CONNECTION WITH THE TRANSFER OF YOUR REWARDS TO COINSQUARE, THE WITHDRAWAL OF ANY FIAT REWARDS TO YOUR BANK ACCOUNT, OR OTHERWISE; (D) ANY LOSS, COST OR DAMAGE THAT RESULTS FROM ANY INABILITY TO SELL YOUR REWARDS DUE TO TECHNICAL LIMITATIONS AFTER INITIATING A TRANSFER TO COINSQUARE DUE TO ANY HOLD PERIOD WHICH MAY BE IMPLEMENTED DUE TO A PENDING TRANSFER; (E) ANY LOSS RELATED TO THE LIQUIDATION OF YOUR REWARDS AS A RESULT OF YOU BEING INELIGIBLE FOR A COINSQUARE ACCOUNT; AND/OR (F) ANY OTHER SIMILAR LOSS.

No purchase necessary. Odds of winning any prize depend on the total number of eligible entries received during the applicable contest period. After selecting the potential winner(s) for a draw, Mogo, acting reasonably, will attempt to contact the potential winner(s) by sending a notification email (the “Notification Email”) to the email address associated with each potential winner’s MogoAccount. To be declared a winner, a potential winner must correctly answer a skill-testing question and may be required to complete a release or other documentation confirming compliance with these General Contest Rules and/or provide documentation to validate identity. These General Contest Rules are supplemental to any specific contest Rules included in any promotional materials. Such specific rules will supersede and prevail these General Contest Rules in the event of any conflict. Unless otherwise specified, Contests are not open to employees of Mogo or any of its subsidiaries, or members of the immediate families of such employees or any person with whom such employee is domiciled. All contests are void where prohibited by law.

To participate in any Mogo Contest, you must be a MogoMember that: (a) has passed Mogo Finance Technology Inc.’s (“Mogo”) Know Your Client requirements; (b) has been granted access to the MogoAccount dashboard by Mogo; (c) has not otherwise been flagged for actual or suspected fraudulent activity by Mogo in its sole and absolute discretion; (d) is not in default of your obligations with respect to any one or more of the products and/or services available through the MogoAccount and (e) has a valid e-mail address associated with your free MogoAccount.

By entering any Mogo contest, you agree to (a) fully and unconditionally comply with and be bound by these General Contest Rules and Mogo’s decisions which are binding and final in all matters relating to such contest and (b) release, indemnify and hold harmless each of Mogo and its affiliates and related third parties, advertising and promotional agencies, Instagram, and each of their respective shareholders, directors, officers, employees, agents, dealers, representatives, successors and assigns (collectively, the “Released Parties”) from any liability, claim or damage (including but not limited to personal injury, bodily injury, disability, death, third party intellectual property rights, copyright infringement, identity theft, privacy and defamation actions, misappropriation of likeness actions, property damage and loss or damage of any other kind) arising directly or indirectly, in whole or in part, from or in connection with this Contest or your participation in the Contest or in any contest-related activities, or any breach by you of your obligations, or any use, collection, storage and disclosure of your personal information, or, if declared a winner, a prize (including the use and misuse of any prize). You will indemnify and hold each of the Released Parties harmless in the event it is discovered that you have departed from or not fully complied with any of these General Contest Rules. This release and indemnity will continue in force following the termination of a contest and/or the awarding of any prize.

Certain contests may provide for an “Alternate Entry Option”. If the applicable contest specifies that an Alternate Entry Option is available, then you may enter that contest using the following method: On a plain piece of paper, hand write your name, address, city, province or territory, postal code, telephone number, and the e-mail address associated with your MogoAccount and a unique and original 250 word or more essay on the following topics: “What is your favourite Mogo product or service and why?” and mail your entry to: Attention: Mogo Contest, 516 – 409 Granville Street, Vancouver, British Columbia. V6C 1T2. Entries must be received by Mogo during the applicable Entry Period for the applicable Entry Deadline. For each fully unique essay submitted in this manner during the specified entry period, you will receive one (1) entry. If you elect to enter using the “Essay Entry” option, you represent and warrant that you have all of the rights and title to the content of your essay, that it has not been previously published and that it does not infringe on someone else’s intellectual property rights. If it is later found that your essay does infringe another’s rights, you agree to indemnify Mogo. You acknowledge and agree that Mogo may (but is not required to) reproduce your entry essay, in whole or in part, on its website, in its marketing, on social media, or any other medium, in its sole discretion, at any time, in perpetuity, and to identify you as the author of that essay by your first name and last initial, whether or not you are selected as a winner. By submitting your essay you also give Mogo the irrevocable, non-exclusive, royalty-free, worldwide licence in perpetuity to use, reproduce, store, copy, broadcast, distribute, edit, alter, combine, publish, post, commercialize and/or otherwise use your essay without limitation, in its sole discretion, at all and you waive all moral rights you may have in the essay. All entries become the sole property of Mogo and will not be returned for any reason. Entries generated by a script, macro, bot or any other automated means will be deemed void. Entries that are mechanically reproduced, copied, incomplete or inaccurate are void. An entry may be rejected if, in the sole and absolute discretion of Mogo the entry is not submitted and received in accordance with these General Contest Rules during the applicable contest period or are otherwise not in compliance with these General Contest Rules. You may not use the Alternate Entry Option to obtain additional entries in any contest and must otherwise comply with all terms of the contest.

Neither Mogo nor any of its subsidiaries or affiliates assumes any responsibility or bears any liability whatsoever in any way for (i) any participation in a contest; (ii) any entries that are delayed, stolen, misdirected, lost, destroyed or damaged; (iii) any failure or slowdown of programs or software supporting, connected to or related to this Contest; (iv) any problems or technical malfunctions of any kind, including without limitation computer systems, servers, equipment or software, however caused; or (v) any inability of any winner to accept a prize for any reason.

Mogo reserves the right to modify, amend, withdraw, or terminate any contest and to modify these General Contest Rules at any time, including the methods of entry and the maximum allowable number of entries per entrant, and/or the draw dates, without prior notice, subject to applicable laws. All contest entries become the property of Mogo and its subsidiaries and affiliates and none will be returned. All contests are subject to applicable federal, provincial or municipal laws and regulations. All prizes are non-transferable and must be accepted as awarded.

Mogo is not responsible for typographical or other errors in the offer or administration of any contest, including but not limited to: errors in advertising, these General Contest Rules, the selection and announcement of a winner, or the distribution of a prize.

Any claim or legal action arising or occurring with respect to any contest, or the awarding, acceptance, use, or misuse of any prize, will be governed exclusively by British Columbia law, and will be resolved exclusively in either the federal or provincial courts located in Vancouver, British Columbia.

PRIVACY / USE OF PERSONAL INFORMATION. By participating in a Contest, you grant to Mogo and its subsidiaries and affiliates the right to use your personal information for the administration of the Contest, including contacting you if you are a potential winner and the awarding of a Prize. You hereby agree to provide and allow your first name, last initial, your city and province of residence, your picture and your social media username(s) (as applicable) to be displayed on Mogo’s website (https://www.mogo.ca/), Mogo’s Facebook page, Twitter page, and/or Instagram page, and/or related social media and other such marketing or promotional materials prepared by Mogo without additional compensation if you are declared a winner. Your personal information will be governed by Mogo’s privacy policy, which is located at https://www.mogo.ca/privacy-policy.

Mogo contests are in no way sponsored, endorsed or administered by, or associated with Apple, Android, Facebook, Twitter or Instagram. By participating in any contest, you understand that you are providing your information to Mogo and not to Facebook, Twitter or Instagram.

Sponsor/Administrator: The Sponsor and Administrator of all Mogo contests is Mogo Finance Technology Inc., 516 – 409 Granville Street, Vancouver, British Columbia. V6C 1T2.

* Trademark of Visa International Service Association and used under licence by Peoples Trust Company. Prior to June 6, 2023, the Mogo Visa Platinum Prepaid Card was issued by Peoples Trust Company pursuant to licence by Visa Int. and is subject to Terms and Conditions, visit mogo.ca for full details. Your MogoCard balance is not insured by the Canada Deposit Insurance Corporation (CDIC).