IMPORTANT NOTICE TO ALL USERS OF CASTLETON FINANCIAL LTD.'S ("Castleton") WEBSITE

When using Castleton's website www.castletonfinancial.com, www.financierecastleton.com or www.hypothec.ca (collectively, (the "Web site" or the "site")), you accept the terms of use described herein, which are subject to change without notice. Furthermore, you agree to consult these conditions of use from time to time and acknowledge that continuing to use the website means you have accepted any changes that could have been made.

Governing legislation

This website will be governed by and construed in accordance with the laws of Canada and the applicable laws of the Province of Quebec, without giving effect to any principles of conflicts of laws. Any litigation, dispute or claim arising from or relative to the use of this website shall be subject to the jurisdiction of the courts of Quebec and you accept henceforth to be submitted to the exclusive jurisdiction of the courts of Quebec in this respect.

Information Purposes Only

Castleton reserves the right to suspend at any time, without warning, full or partial access to the site or to stop uploading information. In such case, you agree to indemnify and hold Castleton harmless from any liability related to damages that could result from such an initiative.

The content of the site is provided for information purposes only, unless otherwise indicated, and does not constitute an offer to purchase or sell the products or services of Castleton or its affiliates. This information, including the strategies provided on this site, is of a general nature and is not intended as specific investment, financial, accounting, legal or tax advice for any individual and should not be relied on as such. Each user must take into consideration the laws applicable in his/her jurisdiction when evaluating his/her financial position. Calculation or projections are provided for general illustrative purposes only and are not warranted to be accurate or complete.

Castleton cannot guarantee that the site will be accessible at all times, without interruption, and that it will be free of errors. Castleton cannot be held liable towards you or anyone for any damages that could result from the inaccessibility of the website or from any difficulties you might experience accessing or using the website due to, in particular, an interruption to the service, a network failure, the malfunction of any computer hardware or software, any faulty, incomplete, incomprehensible or deleted transmission, brought to its attention or not.

The contents of the website are provided for information purposes only, unless otherwise stated. This content does not constitute an offer to purchase or sell Castleton's products or services or solicitation on behalf of Castleton or its authorized third parties. Castleton products and services that may be of interest to Canadian residents are not all offered in all provinces of Canada; they are generally available in regions where they may be legally offered for sale. Furthermore, eligibility for these products and services is subject to the terms and conditions established for each of them.

Confidentiality and security

Communications via e-mail are not secure or confidential. They can be lost or intercepted, in much the same way as communications via other means (for example, cellular phone, post office mail). Castleton cannot be held liable for any damages that you may incur from any exchange of e-mail or electronic messages, between you and Castleton.

Accuracy and changes in information on our website

Even if Castleton does not guarantee that the information is exact, compliant or complete, the data and information contained on the website that comes from Castleton and other sources are believed to be reliable when posted. Despite its best efforts, however, Castleton cannot guarantee that the information is exact or complete, free from errors or omissions or that it is up to date at all times. For example, financial information (exchange rates, interest rates and other information of that nature) is considered reliable when it is posted on the website, but posting this information is not a guarantee that it is reliable when you consult the website. Castleton is in no way required to update this data and information.

The data and information available on this site may be changed, moved or deleted without notice.

Trademarks

Certain names, words, titles, phrases, graphics, logos, icons or designs used in this website may be trademarks of Castleton or of third parties who are authorized users.

Downloading

Castleton cannot be held liable by you or anyone else for any damages or losses that could be caused, directly or indirectly, in whole or in part, from downloading any internet page or software and from sending any information when using the site.

Hypertext links

The fact that the website offers links to other websites on the Internet does not mean that Castleton endorses or approves the contents of these sites or the products, services or publications that may appear on them. The content available via these hypertext links is not subject to Castleton's policies. Linking to any other site is at your sole risk.

Limitation of liability

In no event shall Castleton be liable to you or anyone else for any damages whatsoever (including without limitation direct or indirect, special, incidental or consequential, exemplary or punitive damages, losses or expenses) arising in connection with this site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, loss of data, any unauthorized use or reproduction of the site or the information or otherwise, even if Castleton, or its representatives are advised of the possibility of such damages, losses or expenses.

No Warranties

While every effort is made to ensure that the information and materials contained in the site, including text, graphics, links to other Internet resources or other items is accurate, they are provided on an "as is", where is basis. No warranty of any kind, implied, express, or statutory is given by Castleton in conjunction with the information and materials including, without limitation, the accuracy adequacy, timeliness, merchantability, operation, non-infringement, usefulness, completeness, reliability and fitness for a particular purpose or completeness of the information and materials and expressly disclaims liability for errors or omissions in this information and materials.

Miscellaneous

Should any paragraph of these conditions be declared or ruled as illegal, unenforceable or null and void by a court of competent jurisdiction, the other paragraphs will remain valid and will continue to apply within the limits permitted by law.

© 2010 Castleton

The information available on this website is protected under the copyright laws of Canada and other countries, as applicable. This information may also be the property of other parties other than Castleton.

 

At Castleton Financial Ltd. ("Castleton"), we're committed to protecting your privacy. This Privacy Policy outlines the type of personal information we collect, how we use your personal information, our policy for sharing certain types of personal information in certain limited circumstances, the procedures you should follow if you have any questions or requests in respect of your personal information or our policies and procedures and the person to whom such questions or requests should be directed, and the means by which to communicate with that person.

The words "we" and "Castleton Financial Ltd." and "Castleton" do not include third parties. Third parties involved in the delivery of services on behalf of Castleton are required to abide by the terms of our Privacy Policy.

The type of personal information we collect

If you have come to us for financing, we will collect via the loan approval process, your name, address, telephone number, and your personal financial information.

How we use your information

Information you provide is collected and stored by Castleton. The information you provide may be used:

• to determine your credit-worthiness,
• to monitor the progress of the project and the status of the loan,
• to contact and correspond with you as per the terms of our agreement,
• in some cases, to register security for the financing that we have provided to you,
• to comply with any statutory reporting obligations that we may have.

Our policy for sharing your personal information

From time to time, if we are providing you with financing we may provide your information to credit bureaus, other financial institutions or lenders or to participants or to co-investors in our loans in which case we will require that these parties keep your personal information confidential.

Finally, we may provide your personal information to other affiliates of Castleton if we feel they have a product or service which may be of interest to you.

If you would like to access your personal information or know more about our policy

You have a right to access the personal information that we have about you in your file. If we have information that is not correct, we will take steps to correct it. If you would like to withdraw or withhold consent to our use of your information, we may not be able to comply with your request if we require your personal information for administering your investment or loan or if we must use or disclosure your personal information to comply with our statutory or other legal obligations.

If you have any questions or concerns about our privacy practices, or to access your information or to ask us to correct information, you can contact our privacy officer at:

Castleton Financial Ltd.

Attention: Marc Bissell
1-877-245-4646
mbissell@castletonfinancial.com