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FEATURED ARTICLE

Toronto Condo Prices Soar 35% In A Year: Urbanation

    By Luan Ha Investor

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RECENT

The Future Of Housing: Tech Giants & Startups Are Reimagining Where & How We Live

By Luan Ha Investor

14 June 2018

Articles/Perspectives

constructing, design, market trends

Major US technology companies are constructing corporate housing, self-sufficient towns, and even entire urban neighborhoods. Adding to the mix, insurgent startups are also redefining how the homes of the future will be built.

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The Great Retail Bifurcation

By Luan Ha Investor

14 June 2018

Articles/Perspectives

Deloitte Insights Special Report on why the retail “apocalypse” is really a renaissance

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Toronto's History in Photos (by Google)

By Luan Ha Investor

24 April 2018

Presentations

market trends, ontario real estate

Google's SideWalk labs mapped Toronto's history in photos

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Different ways to invest into real estate

By Gregory Colford Investor

21 February 2018

Presentations

A feature article from the OSC about Investing Into Real Estate

As other markets cool, what will 2018 bring for Toronto new construction housing?

By Luan Ha Investor

08 February 2018

Special reports

Industry watchers are predicting a cooling Toronto housing market for the first few months of 2018, as new mortgage rules and the promise of rising interest rates take their toll. But one expert thinks there’s one corner of the residential market that could prove to be the exception.

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Capacity Issues Surface as New Condo Sales Reach Record High

By Luan Ha Investor

08 February 2018

Articles/Perspectives

Urbanation Inc., the leading source of information and analysis on the Toronto condominium market since 1981, released its year-end 2017 condo market results today.

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Altus 2018 Construction Cost Guide

By Luan Ha Investor

08 February 2018

Special reports

Altus 2018 Construction Cost Guide

Altus 2018 Construction Cost Guide

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TERMS AND CONDITIONS OF USE


Please read these terms and conditions of use as set out below (the “Terms”) carefully before using the fundscraper.com web site and the Fundscraper services offered therein (such Fundscraper services, collectively with the web site, the “Site”).  These Terms govern your access to and use of this Site, including the messages, information, data, text, software, images and other content that make up this site (the “Content,” which content is part of this Site).  These Terms exempt Fundscraper Capital Inc. (“Fundscraper,” “we,” or “us”) and others from liability and/or limit our and their liability and contain other important provisions that apply to your use of this Site.


  1. 1. Terms of Use of Site

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  1. 7. Linked Sites

Certain links on this Site may take you to other web sites that are not owned or operated by Fundscraper.  Fundscraper provides these links only as a convenience.  Fundscraper is not responsible for the content of any such linked web sites.  Fundscraper makes no representation or warranty regarding, and does not endorse, such linked web sites, the information or other content appearing thereon or any of the products or services available on or through such web sites.  If you decide to visit any linked site, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses and other destructive elements.  We welcome you to link to this Site.  However, you agree that if you link to this Site your website shall not (a) alter the visual presentation of this Site; (b) imply that Fundscraper is endorsing you or any other person, or your or such other person’s products or services; (c) imply an affiliation between you or any other person, or your or such other person’s products or services, and Fundscraper without the prior written consent of Fundscraper; (d) misrepresent the relationship of you or any other person with Fundscraper or present false, misleading or otherwise damaging information or impressions about Fundscraper or any of its products or services; or (e) contain materials that may be illegal or interpreted as distasteful, harmful, offensive, or inaccurate.

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Any non-identifiable information gathered by us through your use of this Site may be used by us for our own marketing, promotional and product development purposes and more specifically may be stored in a database and used by us to identify, customize and personalize user access, and assess utilization of this Site.  Such information may be shared with our affiliates, suppliers, licensors, partners and clients in furtherance of the forgoing purposes.

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You will indemnify and hold us and the Fundscraper Representatives (the “indemnified parties”) harmless from and against any claims brought by third parties arising out of your use of this Site, and any breach of these Terms by you, including any use of the Site other than as expressly authorized in these Terms.  You agree that the indemnified parties will have no liability in connection with any such breach or unauthorized use or modification, and agree to indemnify against any and all resulting loss, damages, judgments, awards, costs, expenses, and lawyers’ fees of the indemnified parties in connection therewith.

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All notices to us shall be in writing and shall be made via email.  Notices to us must be sent to the attention of our customer service representatives at [info@fundscraper.com].  Notices to you may be sent, in our sole discretion, to the address or email address supplied by you as part of your membership.  In addition, we may broadcast notices or messages through this Site to inform you of changes to this Site or other matters of importance, and such broadcasts shall constitute notice to you at the time of sending.

  1. 18. Language

The parties have required that this agreement and all documents relating thereto be drawn up in English.  Les parties ont demandé que cette convention ainsi que tous les documents qui s’y attachent soient rédigés en langue anglaise.

Fundscraper.com
PRIVACY STATEMENT


The purpose of this Privacy Statement is to inform you about the types of Personal Information that Fundscraper Capital Inc. (“Fundscraper,” “we,” or “us”) collects, uses and discloses in connection with the Fundscraper.com web site and the Fundscraper service (collectively, the “Site”).  It explains how we use and disclose that information, the choices you have regarding such use and disclosure, and how you may correct that information.  By accessing the Site, you agree to the terms of this Privacy Statement.


We are proud to demonstrate our commitment to your privacy, by complying with the laws and regulations under, and principles of, applicable privacy laws in Canada.


From time to time, we may make changes to this Privacy Statement.  The Privacy Statement is current as of the “last update” date which appears at the top of this page.  We will treat Personal Information in a manner consistent with the Privacy Statement under which it was collected, unless we have your consent to treat it differently.  This Privacy Statement applies to any information we collect or receive about you, from any source.


    1. 1. To which organizations does this Privacy Statement apply?

    2. This Privacy Statement applies only to the collections, uses and disclosures of Personal Information by Fundscraper and not to other web sites that we have linked to the Site.  At various points on the Site, we offer links to other web sites operated by entities other than Fundscraper, and you should check the privacy policy of any linked web site to understand their personal information collection practices.  We are not responsible for the content or information collection policies of such web sites.



    1. 2. What is Personal Information?

    2. Personal Information” is any information that is identifiable with you.  This information may include but is not limited to your name, mailing address, phone number, email address, birthday, age, address, social insurance number, educational and/or employment history, banking information, investment objectives, and investment experience. Personal Information, however, does not include your name, business title or business address and business telephone number in your capacity as an employee of an organization. 



      1. 3. How do we collect your Personal Information?

      2. We will always collect your Personal Information by fair and lawful means; for example, it will be collected when you use our Site, when you create your profile, and when making an  investment. 



        1. 4. Where do we store your Personal Information?

        2. We will keep the Personal Information that we collect at the Fundscraper offices or at the offices of our third party service providers, as applicable.



          1. 5. How do we use your Personal Information?

          2. We identify the purposes for which we use your Personal Information at the time we collect such information from you and obtain your consent, in any case, prior to such use.  We generally use your Personal Information for the following purposes (the “Purposes”):


            • registering you for a user account for the Site (“user account”) including so that we may verify your identity and your status as an eligible investor pursuant to securities laws;
            • maintaining your user account;
            • providing or performing any services requested by you;
            • providing you with information about Offerings, services or promotions that may be of interest to you if you have specifically requested this information;
            • to process any investments you make;
            • to verify your identity, creditworthiness, and to meet regulatory requirements;
            • to gather your opinion and feedback;
            • in aggregated, non-identifiable form, to better understand how our users use the resources provided on the Site;
            • improving the Site or our services;
            • personalizing any interactive tools to better facilitate your use of the Site;
            • for such other uses of Personal Information for which you provide your consent; and
            • as otherwise permitted or required by law. 


                1. 6. To whom do we provide your Personal Information?

                We identify to whom, and for what purposes, we disclose your Personal Information, at the time we collect such information from you and obtain your consent to such disclosure.  For example, we may disclose/transfer your Personal Information:



            • to our affiliates and related entities, to provide and improve the services offered through the Site and for assisting us with the Purposes;
            • to third party service providers (such as payment processors or auditors) with whom we have a contractual agreements that includes appropriate privacy standards, where such third parties are assisting us with the Purposes: for example, service providers may provide telephone support, or data storage;
            • to Issuers (as defined in the Terms), for the purposes of completing an investment in an Offering; 
            • to such persons for which you provide your consent; and
            • as otherwise permitted or required by law.

                • Generally, we will only make disclosures of Personal Information to such persons for which you provide your consent. Notwithstanding the foregoing, we may also make disclosures of Personal Information to a potential acquiror in connection with a transaction involving the sale of some or all of the business of Fundscraper (in which case the use of your Personal Information by the new entity would continue to be limited by applicable law), or as otherwise permitted or required by law.

                  In addition, we may send Personal Information outside of the country for the purposes set out above, including for process and storage by service providers in connection with such purposes. However, you should note that to the extent that any Personal Information is out of the country, it is subject to the laws of the country in which it is held, and may be subject to disclosure to the governments, courts or law enforcement or regulatory agencies of such other country, pursuant to the laws of such country.



                  1. 7. When and how do we obtain your consent?

                  2. We obtain your consent prior to collecting, and in any case, prior to using or disclosing your Personal Information for any purpose.  You may provide your consent to us either orally, electronically or in writing.  The form of consent that we seek, including whether it is express or implied, will largely depend on the sensitivity of the Personal Information and the reasonable expectations you might have in the circumstances.  Implied consent occurs when we can assume you have given consent by some other action you have taken or decided not to take. For example, if you request specific information about an Offering or otherwise use our services and you provide us with Personal Information, we infer that you consent to us using such Personal Information reasonably to provide this information or provide you with the service.  In limited circumstances, we may rely on a third party to obtain your consent to the sharing of your Personal Information with us.

                    Under Canada’s Anti-Spam Legislation, as a user of the Fundscraper services we have your implied consent to send you electronic messages unless you notify us otherwise. You may do this by using the unsubscribe feature we include in any electronic message we send you or by modifying your user account profile.



                    1. 8. How do we ensure the privacy of your Personal Information when dealing with our affiliates and other third parties?

                    2. We ensure that all third parties (including our affiliates) that are retained to perform services on our behalf and are provided with Personal Information are contractually required to observe the intent of this Privacy Statement and our internal privacy policies and practices. 



                      1. 9. How long will we utilize, disclose or retain your Personal Information?

                      2. We may keep a record of your Personal Information, correspondence or comments in a file specific to you.  We will utilize, disclose or retain your Personal Information for as long as necessary to fulfill the purposes for which that Personal Information was collected and as permitted or required by law.  We have established minimum and maximum retention periods and procedures for maintaining and destroying your Personal Information. 



                        1. 10. How can you review your Personal Information that we have collected, utilized or disclosed?

                        2. If you make a written request to review any Personal Information about you that we have collected, utilized or disclosed, we will provide you with any such Personal Information to the extent required by law.  We will make such Personal Information available to you in a form that is generally understandable, and will explain any abbreviations or codes.



                          1. 11. How do you know that the Personal Information we have on you is accurate?

                          2. We will ensure that your Personal Information is kept as accurate, complete and up-to-date as possible.  We will not routinely update your Personal Information, unless such a process is necessary.  We expect you, from time to time, to supply us with written updates to your Personal Information, when required.



                            1. 12. What if the Personal Information we have on you is inaccurate?

                            2. At any time, you can challenge the accuracy or completeness of your Personal Information in our records.  If you successfully demonstrate that your Personal Information in our records is inaccurate or incomplete, we will amend the Personal Information as required.  Where appropriate, we will transmit the amended information to third parties having access to your Personal Information.



                              1. 13. How fast will we respond to your written requests?

                              2. We will attempt to respond to each of your written requests not later than thirty (30) days after receipt of such requests.  We will advise you in writing if we cannot meet your requests within this time limit.  You have the right to make a complaint to the federal Privacy Commissioner in respect of this time limit.



                                1. 14. How do we know that it is really you requesting your Personal Information?

                                2. We may request that you provide sufficient identification to permit access to the existence, use or disclosure of your Personal Information.  Any such identifying information shall be used only for this purpose.



                                  1. 15. What safeguards have we implemented to protect your Personal Information?

                                  2. We have implemented physical, organizational, contractual and technological security measures to protect your Personal Information from loss or theft, unauthorized access, disclosure, copying, use or modification, including:


                                    • that the only employees who are granted access to your Personal Information are those with a business ‘need-to-know’ or whose duties reasonably require such information;
                                    • premises security;
                                    • deployment of technological safeguards such as security software and fire walls to prevent hacking or unauthorized computer access; and
                                    • internal password and security policies.


                                      1. 16. How do you contact us regarding access to your Personal Information or our Privacy Statement and practices?

                                      2. All comments, questions, concerns or complaints regarding your Personal Information or our Privacy Statement and practices, should be forwarded to the Concierge Desk or at info@fundscraper.com.


                                        Or by mail at:

                                        Fundscraper Capital Inc.
                                        805 - 370 King Street West
                                        Toronto - M5V 1J9
                                        Ontario, Canada

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