Terms of Use

Last Updated August 2026

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PLEASE READ THIS TERMS & CONDITIONS AGREEMENT CAREFULLY BEFORE USING THIS WEBSITE.

Welcome to the Phillips & Cohen website, located at www.phillips-cohen.com (the “Website“), which is operated by Phillips & Cohen Associates (Canada) Ltd (“Phillips & Cohen”, “Company”, “our”, “us”, or “we”). “You” as referenced in these Terms of Use refers to any user of the Website. This Terms of Use Agreement (the “Agreement”) governs the relationship between us and you, the Website visitor, with respect to your use of the Website. It is important that you read carefully and understand the terms and conditions of this Agreement. BY USING THE SITE, YOU AGREE TO BE BOUND BY THIS AGREEMENT. If you do not agree to these terms and conditions, you must not use the Site.  Without limiting the generality of anything else, Phillips & Cohen makes no commitment, and disclaims any duty, to update this Website or any of the information obtained through this Website, and it shall not be responsible for any errors or omissions on the Website.

The Website, the Content of the Website (as hereinafter defined) are provided to you subject to your agreement to be bound by the terms and conditions of this Agreement and the Company’s Privacy Policy. Please review our Privacy Policy, which forms part of this Agreement.

• By accessing or using the Website, you acknowledge that you have read, understood and agree to be bound by this Agreement and the Company’s Privacy Policy.
• You acknowledge that your personal information will be collected, used and disclosed in accordance with the Company’s Privacy Policy.

We may, at any time, at our sole discretion, revise or otherwise update this Agreement by posting an amended Agreement on the Website; any changes that we make to this Agreement will be effective immediately upon posting. Please check this page periodically for changes to the Agreement; you will be able to determine if this Agreement has been changed since your previous visit by viewing the “Last Updated” information that appears at the top of this Agreement. Your use of the Website following the posting of an updated Agreement constitutes acceptance of the updated Agreement.

Further, we reserve the right, at any time, to modify or discontinue, temporarily or permanently, the Website (or any part thereof) without notice. You agree that, to the fullest extent permitted by applicable law, we shall not be liable to you or to any third party for any modification, suspension, discontinuance of the Website or of any Materials (as defined below).

The Website is intended for individuals who are at least 18 or 19 years of age depending on the province. By using or accessing the Website, you represent and warrant that you are at least of the required legal age and have the legal capacity to enter into this Agreement. The Website is intended for individuals accessing it from Canada.

1. . Important Notices. 

We make available the information and materials on the Website (the “Materials”) for general informational purposes only. Further, the Materials are general in nature and may not apply to particular factual or legal circumstances. In addition, unsolicited emails and information sent to us do not create a relationship with us, will not be considered confidential and may be disclosed to others pursuant to our Privacy Policy.

• Rules of Conduct. 

You agree to comply with all applicable laws, rules and regulations in accessing and/or using the Site and/or any Materials. In addition, your use of the Site is conditioned on your compliance with the following rules of conduct. You agree not to:

• Use the Website for any fraudulent or unlawful purpose.
  • Knowingly provide false, inaccurate, misleading or incomplete information through the Website
  • Impersonate any person or entity, including, but not limited to, any Website employee, agent or representative; falsely state or otherwise misrepresent your identity or your affiliation with any person or entity; or express or imply that we endorse any statement you make.
  • Interfere with or disrupt the operation of the Website.
  • Transmit or otherwise make available in connection with the Website any virus, worm, Trojan Horse or other harmful code.
  • Restrict or inhibit any other person from using the Website, including by means of hacking or defacing any portion of the Website.
  • Interfere with or violate any other Website visitor’s or user’s right to privacy or other rights, or harvest or collect personally identifiable information about Website visitors or users, or about our attorneys, other employees and representatives identified on the Website, without their express consent.
  • Sell, resell, transfer, license or exploit, for any commercial purposes, any use of or access to the Website or the Materials.
  • Modify, adapt, translate, reverse engineer, decompile or disassemble any portion of the Website or Materials, including accessing, copying, monitoring or extracting data from the Website.
  • Frame or mirror all or any part of the Website without our prior express written authorization.
  • Submit information belonging to another individual unless you are lawfully authorized to do so.
  • Otherwise attempt to interfere with the proper working of the Website
  • Encourage, assist, or permit any third party to engage in any of the activities listed above

We reserve the right to suspend, restrict, or terminate access to the Site where we reasonably believe a user has breached this Agreement or applicable law.

• Phillips & Cohen Associates (Canada) Ltd.’s Proprietary Rights. 

You acknowledge and agree that the Website and the Materials are, and shall remain, the property of Phillips & Cohen and/or its licensors and are protected by copyright, trademark and/or other proprietary rights and laws. Except as expressly authorized in advance by us, you agree not to copy, distribute, transmit, display, perform or create derivative works of the Website or any of the Materials, provided that, subject to your compliance with this Agreement, we do grant to you a limited, personal, revocable, non-transferable and non-sub licensable license to (a) access the Website and the Materials via the Internet solely for purposes of viewing such materials and (b) to print out pages of the Website for your personal, non-commercial use.

Trade names, trademarks and service marks of Phillips & Cohen include and any associated logos. All trade names, trademarks and service marks on the Site that are not owned by us or our affiliates are the property of their respective owners. The trade names, trademarks and service marks owned by Phillips & Cohen or its affiliates, whether registered or unregistered, may not be used in connection with any product or service that is not either ours or one of our affiliate’s product or service or in any other manner that is likely to cause confusion or dilution. Nothing on the Website should be construed as granting, by implication, estoppel or otherwise, any right or license to use any of Phillips & Cohen’s (or its affiliates’) trade names, trademarks or service marks without our (or the relevant affiliate’s) prior express written permission.

• User Information

Except for personal information, which is governed by the Privacy Policy, any suggestions, feedback, comments or other communications voluntarily submitted to the Company may be used by the Company without restriction. You hereby grant to the Company a transferable world-wide perpetual, irrevocable, royalty-free, non-exclusive license, including the right to sublicense to others, to use, reproduce, distribute, publish, modify, edit, translate, transmit, adapt and display any information and/or materials provided by you (in whole or in part) and/or incorporate such information and/or materials in any form, media or technology now known or developed in the future. You grant the Company a non-exclusive, worldwide, royalty-free license to use, reproduce, modify and otherwise process information and materials that you submit solely as necessary to operate, provide and improve the Website and the Services.

• New Services and Modifications and Updates

Whenever new and/or modified services are introduced on the Website, your use of such new or modified services will be subject to this Agreement unless the Company notifies you otherwise. The Company reserves the right, in its sole discretion, to modify or update this Agreement at any time and from time to time, with or without notice.

• No Warranty

We do not limit our liability in cases where applicable law does not allow it. However, to the fullest extent permitted by applicable law, the Website is provided “as is” and “as available”.

Except as required by applicable law, the Company does not make any express or implied representations or warranties regarding the Website, its content, or the services, including any implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

USE OF THIS WEBSITE, THE CONTENT OF THE WEBSITE IS DONE SO AT YOUR OWN DISCRETION AND RISK.

To the fullest extent permitted by applicable law, the Company does not warrant that the Website will be uninterrupted, error-free, secure, or free from viruses or other harmful components, or that any defects will be corrected. The Company also does not warrant that the information or content available through the Website is accurate, complete, reliable, current, or suitable for every user’s particular circumstances.

The Website is provided for general informational and operational purposes only. While the Company makes reasonable efforts to maintain the accuracy and availability of the Website, temporary interruptions, delays, technical issues, or inaccuracies may occur.

• Limitation of Liability

To the fullest extent permitted by applicable law, the Company shall not be liable for any direct, indirect, incidental, consequential or special damages, including loss of profits, loss of revenue, loss of data, loss of business opportunities, or business interruption, arising out of or relating to the use of, or inability to use, the Website.

Nothing in this Agreement excludes, limits, or restricts the Company’s liability where such exclusion, limitation, or restriction is prohibited by applicable law, including applicable consumer protection legislation and other laws governing contractual liability (for Québec residents, the Consumer Protection Act and the Civil Code of Québec). Without limiting the foregoing, nothing in this Agreement excludes or limits liability for intentional or gross fault, bodily injury, moral injury, or any other liability that cannot lawfully be excluded or limited.

The content available on the Website is provided for general informational purposes only and does not constitute legal, financial, tax, accounting, investment, or other professional advice. Users should obtain independent professional advice before making any decision based on information obtained through the Website.

To the fullest extent permitted by applicable law, you agree to indemnify and hold harmless the Company, its affiliates, directors, officers, employees, agents, and licensors from and against any claims, losses, liabilities, damages, costs, expenses, and reasonable legal fees arising out of or relating to your breach of this Agreement, your misuse of the Website or the Services, or your violation of any applicable law or the rights of a third party.

• Geographic Restrictions. 

The owner of the Website is based in Canada. We provide this Website for use only by persons located in Canada. We make no claims that the Website or any of its content is accessible or appropriate outside of Canada. If you access the Website from outside Canada, you do so on your own initiative and are responsible for compliance with local laws.

• Compliance with Applicable Law

You agree to access and use the Website, and any information you submit through the Website only for lawful purposes and in compliance with all applicable federal, provincial, territorial, and local laws, regulations, and requirements. The Website is intended for use by individuals residing in Canada. If you access the Website from another jurisdiction, you do so at your own initiative and are responsible for ensuring that your access to and use of the Website and the services comply with the laws applicable in your jurisdiction. You may not use the Website or the services in any jurisdiction where such use is prohibited by applicable law.

1. Governing Law

The Governing law shall be the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles, except to the extent that mandatory provisions of the law applicable to a particular account, debtor, transaction or service cannot lawfully be excluded.

Phillips & Cohen Associates (Canada) Ltd is a collection agency registered in Ontario under the Collection and Debt Settlement Services Act (CDSSA) and holds a collection agency permit in Québec issued by the Office de la protection du consommateur (OPC) pursuant to the Act respecting the collection of certain debts.

Phillips & Cohen also maintains all required provincial/ territorial licenses. You may request our license number at any time.

PCA adheres to strict communication windows as prescribed by the provincial/territorial/ federal laws of Canada.

1. Dispute Resolution

In the event of a dispute, we will agree to binding arbitration with the American Arbitration Association or the Canadian Arbitration Association. We will make the selection of Arbitrator. To file a request for arbitration, contact the American Arbitration Association at http://www.adr.org or the Canadian Arbitration Association at https://canadianarbitrationassociation.ca/.

In an event of a privacy incident involving your personal information that poses a risk of serious harm, we will notify you and the Commission d’accès à l’information du Québec (CAI) or the Office of the Privacy Commissioner of Canada (OPC) as required by law.

The legal seat of the arbitration shall be Toronto, Ontario, Canada, unless the parties agree otherwise in writing.

For consumers residing in Québec, any dispute arising out of or related to this Agreement, the Privacy Policy, or the Website shall be submitted to the competent courts of the Province of Québec, and nothing in this section shall force a Québec consumer to resolve disputes via binding arbitration.

1. Waiver and Severability

A waiver of any breach of this Agreement will not constitute a waiver of any other or subsequent breach. If any provision of this Agreement is found to be invalid, illegal, or unenforceable, that provision will be severed to the extent necessary, and the remaining provisions will continue in full force and effect.

1. Electronic Communications

By accessing this Website or sending electronic mail to the Company you are communicating with the Company electronically. By doing so, you agree to receive communications from the Company electronically. The Company will communicate with you by electronic mail at the electronic mail address provided by you or by posting notices on this Website or any other Website that that may be generally designated in advance for such purpose.

1. Policy on Links to Third Party Sites

The Website may contain links to third party web sites. The Company does not represent, guarantee, or endorse any web site that you may access from this Website. In addition, if the Company provides a link to a web site, the Company does not represent, guarantee, or endorse the company or any of its offerings. Links contained on this Website are provided solely as a convenience to you. When you access a non-Company web site, please understand that the linked site and its content and the third party’s practices and policies in relation to the collection, use and disclosure of personal information are not under the Company’s control. The Company is not responsible for web casting, or any other form of transmission received from any linked sites. You are responsible for protecting your system from viruses and other invasive items.

1. Technical Specifications

This Website supports all up-to-date and commonly used internet browsers: The Company uses cookies to time your session. Cookies are small files which are stored on a user’s computer. They are designed to hold a modest amount of data specific to a particular client and Website and can be accessed either by the web server or the client computer. The information collected by such Cookies provide the Company with information and other data pertaining to any user’s utilization of the Website as well as any third-party Websites such user may have accessed prior to, and after, their use of the Company’s Website. Additional information about cookies, pixel tags, and other technology used on the Website can be found in the Privacy Policy.

1. Copyright Notice

Copyright ©2026 Phillips & Cohen Associates (Canada) Ltd. All Rights Reserved. Except as otherwise stated, The Company or its related companies own all Content contained in this Website. The Content of the Website is protected by copyright laws of the United States, Canada and other countries. The Content of the Website may not be used for any commercial purpose or copied, distributed, displayed, modified, or reverse engineered without the Company’s prior written permission. You may print or download portions of material from the Website solely for your own non-commercial use, if you do not change or delete any copyright or proprietary notices from the materials.

1. Contact Us

If you have any questions about this Agreement, please contact us at the following address:

Phillips & Cohen Associates (Canada) Ltd.
16766 TransCanada Hwy
Suite #402
Kirkland, QC H9H 4M7