Note: The content presented on this Site is intended for educational and informational purposes only and should not be considered or relied upon as legal advice.

APS Inc. may update, modify, add to, or remove parts of these Terms at any time without notice. We advise checking this page periodically to stay up-to-date on any changes. The revised Terms take effect immediately upon posting. If you do not agree with the changes, please refrain from using our services and Site. Your continued use of the Site after any revisions indicates your acceptance of the updated Terms.

All the material featured on this website, including audio, videos, logos, blog posts, texts, and data compilations, unless stated otherwise, is the sole property of APS Inc. (aka NCA Forum) and is protected by Canadian and International Copyright Law. Unauthorized reproduction, storage, translation, or transmission of the contents of this website is strictly prohibited without our written consent.

The use of this Site or its contents or services, including the notes and materials sold on this website, is entirely at your own risk. APS Inc., its affiliates, agents, directors, shareholders, or service providers do not make any representations or warranties, express or implied, regarding the accuracy, completeness, quality, merchantability, fitness for a particular purpose, title, non-infringement, or absence of any computer software virus or other harmful components of the contents, materials or services provided through this Site.

NCA Forum does not guarantee or make any representations or warranties of any kind, express or implied, regarding the accuracy, completeness, or reliability of the notes or materials provided on this website. NCA Forum disclaims any and all liability for any losses, damages, or other liabilities arising from or in connection with the use or reliance on these notes or materials. Users should seek advice from a qualified legal professional before using any of the information contained on this website.

Our company, APS Inc., and its affiliates, agents, officers, shareholders, directors, or employees shall not be liable for any indirect, special, incidental, consequential, punitive, or exemplary damages arising from or in connection with the use of, or inability to use or access, this website, its contents, or merchandise, or any services provided by APS Inc. This disclaimer applies regardless of the cause of action, whether in contract, tort, strict liability, or otherwise.

This website is operated by APS Inc. from within Canada and can be accessed from various locations around the world. All matters relating to the use and access of this website and its services shall be governed by the laws of Canada and the Province of Ontario. By using this website, you expressly agree that any claim or dispute arising from its use, contents, or services shall be subject to the exclusive jurisdiction of the courts located in Ontario, Canada. If any term or provision of this disclaimer is found to be unenforceable, it shall not affect the applicability or enforceability of any other provision.