Terms of Use
Last Updated: October 2023
1. Acceptance of Terms
By accessing and using the website operated by Porch Stitch ("we," "us," or "our"), located in Ottawa, Ontario, you agree to be bound by these Terms of Use and all applicable laws and regulations. These terms govern your use of our digital platform focused on debt collection education and resources in Canada. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this website are protected by applicable copyright and trademark law.
2. Description of Services & Educational Purpose
Porch Stitch provides informational content regarding debt collection practices in Ottawa and Ontario, specifically focusing on the Collection and Debt Settlement Services Act. Our resources include:
- Guides on dealing with collection agencies in Canada.
- Information regarding the Ontario 2-year limitation period.
- Educational materials on credit reporting via Equifax and TransUnion.
- Resource directories for debt relief in Ottawa.
NOT LEGAL ADVICE: The content provided is for educational purposes only. Porch Stitch is not a law firm, a licensed insolvency trustee, or a debt settlement agency. No solicitor-client relationship is formed by your use of this site.
3. Prohibited Use and Conduct
Users are granted a limited, non-exclusive license to access the site. You agree NOT to:
- Modify or copy the materials for commercial purposes.
- Attempt to decompile or reverse engineer any software contained on the Porch Stitch website.
- Use the site in any way that violates the Personal Information Protection and Electronic Documents Act (PIPEDA).
- Use the site to transmit "spam" or unsolicited communications.
- Engage in data mining or similar data gathering and extraction methods.
4. Intellectual Property
All content, including text, graphics, logos, and images, is the property of Porch Stitch and is protected by Canadian and International copyright laws. The "Porch Stitch" brand, logo, and design elements are proprietary trademarks. Unauthorized use of any materials may result in legal action under the Trademarks Act (R.S.C., 1985, c. T-13).
5. Disclaimer of Warranties
The materials on Porch Stitch's website are provided on an 'as is' basis. Porch Stitch makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.
Further, Porch Stitch does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.
6. Limitation of Liability
In no event shall Porch Stitch or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Porch Stitch's website, even if Porch Stitch or a Porch Stitch authorized representative has been notified orally or in writing of the possibility of such damage.
Note: Because some jurisdictions (including certain Canadian provinces) do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
7. Governing Law and Jurisdiction
Any claim relating to Porch Stitch's website shall be governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein without regard to its conflict of law provisions. You agree that any legal action or proceeding between Porch Stitch and you for any purpose concerning these Terms of Use or the parties' obligations hereunder shall be brought exclusively in a court of competent jurisdiction sitting in the City of Ottawa, Ontario.
8. Contact Information
If you have any questions about these Terms of Use, please contact us at:
Porch Stitch
Address: 150 Metcalfe St, Ottawa, ON K2P 1P1
Phone: +1 (305) 822-9255
Email: