Category Archives for Uncategorized

Terms Of Use

TERMS AND CONDITIONS OF USE

We have taken every effort to design our Web site to be useful, informative, helpful, honest and fun. Hopefully we’ve accomplished that — and would ask that you let us know if you’d like to see improvements or changes that would make it even easier for you to find the information you need and want.

All we ask is that you agree to abide by the following Terms and Conditions. Take a few minutes to look them over because by using our site you automatically agree to them. Naturally, if you don’t agree, please do not use the site. We reserve the right to make any modifications that we deem necessary at any time. Please continue to check these terms to see what those changes may be! Your continued use of the www.joewalsh.ca Web site means that you accept those changes.

THANKS AGAIN FOR VISITING!

Restrictions on Use of Our Online Materials

All Online Materials on the www.joewalsh.ca site, including, without limitation, text, software, names, logos, trademarks, service marks, trade names, images, photos, illustrations, audio clips, video clips, and music are copyrighted intellectual property. All usage rights are owned and controlled by www.joewalsh.ca. You, the visitor, may download Online Materials for non-commercial, personal use only provided you 1) retain all copyright, trademark and propriety notices, 2) you make no modifications to the materials, 3) you do not use the materials in a manner that suggests an association with any of our products, services, events or brands, and 4) you do not download quantities of materials to a database, server, or personal computer for reuse for commercial purposes. You may not, however, copy, reproduce, republish, upload, post, transmit or distribute Online Materials in any way or for any other purpose unless you get our written permission first. Neither may you add, delete, distort or misrepresent any content on the www.joewalsh.ca site. Any attempts to modify any Online Material, or to defeat or circumvent our security features is prohibited.

Everything you download, any software, plus all files, all images incorporated in or generated by the software, and all data accompanying it, is considered licensed to you by www.joewalsh.ca or third-party licensors for your personal, non-commercial home use only. We do not transfer title of the software to you. That means that we retain full and complete title to the software and to all of the associated intellectual-property rights. You’re not allowed to redistribute or sell the material or to reverse-engineer, disassemble or otherwise convert it to any other form that people can use.

Submitting Your Online Material to Us

All remarks, suggestions, ideas, graphics, comments, or other information that you send to www.joewalsh.ca through our site (other than information we promise to protect under our privacy policy becomes and remains our property, even if this agreement is later terminated.

That means that we don’t have to treat any such submission as confidential. You can’t sue us for using ideas you submit. If we use them, or anything like them, we don’t have to pay you or anyone else for them. We will have the exclusive ownership of all present and future rights to submissions of any kind. We can use them for any purpose we deem appropriate to our www.joewalsh.ca mission, without compensating you or anyone else for them.

You acknowledge that you are responsible for any submission you make. This means that you (and not we) have full responsibility for the message, including its legality, reliability, appropriateness, originality, and copyright.

Limitation of Liability

www.joewalsh.ca WILL NOT BE LIABLE FOR ANY DAMAGES OR INJURY THAT ACCOMPANY OR RESULT FROM YOUR USE OF ANY OF ITS SITE.

THESE INCLUDE (BUT ARE NOT LIMITED TO) DAMAGES OR INJURY CAUSED BY ANY:

USE OF (OR INABILITY TO USE) THE SITE
USE OF (OR INABILITY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM OUR SITE
FAILURE OF OUR SITE TO PERFORM IN THE MANNER YOU EXPECTED OR DESIRED
ERROR ON OUR SITE
OMISSION ON OUR SITE
INTERRUPTION OF AVAILABILITY OF OUR SITE
DEFECT ON OUR SITE
DELAY IN OPERATION OR TRANSMISSION OF OUR SITE
COMPUTER VIRUS OR LINE FAILURE
PLEASE NOTE THAT WE ARE NOT LIABLE FOR ANY DAMAGES, INCLUDING:
- DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY
- DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY (KNOWN IN LEGAL TERMS AS “CONSEQUENTIAL DAMAGES.”)
- OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY (KNOWN IN LEGAL TERMS AS “INCIDENTIAL DAMAGES.”)

WE ARE NOT LIABLE EVEN IF WE’VE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR BOTH.

EXCEPTION: CERTAIN STATE LAWS MAY NOT ALLOW US TO LIMIT OR EXCLUDE LIABILITY FOR THESE “INCIDENTAL” OR “CONSEQUENTIAL” DAMAGES. IF YOU LIVE IN ONE OF THOSE STATES, THE ABOVE LIMITATION OBVIOUSLY WOULD NOT APPLY WHICH WOULD MEAN THAT YOU MIGHT HAVE THE RIGHT TO RECOVER THESE TYPES OF DAMAGES.

HOWEVER, IN ANY EVENT, OUR LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, INJURIES, AND CLAIMS OF ANY AND EVERY KIND (WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A CONTRACT, OR CLAIMED TO BE CAUSED BY NEGLIGENCE OR OTHER WRONGFUL CONDUCT, OR THEY’RE CLAIMED UNDER ANY OTHER LEGAL THEORY) WILL NOT BE GREATER THAN THE AMOUNT YOU PAID IF ANYTHING TO ACCESS OUR SITE.

Links to Other Site

We sometimes provide referrals to and links to other World Wide Web sites from our site. Such a link should not be seen as an endorsement, approval or agreement with any information or resources offered at sites you can access through our site. If in doubt, always check the Uniform Resource Locator (URL) address provided in your WWW browser to see if you are still in a www.joewalsh.ca-operated site or have moved to another site. www.joewalsh.ca is not responsible for the content or practices of third party sites that may be linked to our site. When www.joewalsh.ca provides links or references to other Web sites, no inference or assumption should be made and no representation should be inferred that www.joewalsh.ca is connected with, operates or controls these Web sites. Any approved link must not represent in any way, either explicitly or by implication, that you have received the endorsement, sponsorship or support of any www.joewalsh.ca site or endorsement, sponsorship or support of www.joewalsh.ca, including its respective employees, agents or directors.

Termination of This Agreement

This agreement is effective until terminated by either party. You may terminate this agreement at any time, by destroying all materials obtained from all www.joewalsh.ca Web site, along with all related documentation and all copies and installations. www.joewalsh.ca may terminate this agreement at any time and without notice to you, if, in its sole judgment, you breach any term or condition of this agreement. Upon termination, you must destroy all materials. In addition, by providing material on our Web site, we do not in any way promise that the materials will remain available to you. And www.joewalsh.ca is entitled to terminate all or any part of any of its Web site without notice to you.

Jurisdiction and Other Points to Consider

If you use our site from locations outside of the United States, you are responsible for compliance with any applicable local laws.

These Terms of Use shall be governed by, construed and enforced in accordance with the laws of the Ontario, as it is applied to agreements entered into and to be performed entirely within such jurisdiction.

To the extent you have in any manner violated or threatened to violate www.joewalsh.ca and/or its affiliates’ intellectual property rights, www.joewalsh.ca and/or its affiliates may seek injunctive or other appropriate relief in any state or federal court in the State of Ontario, and you consent to exclusive jurisdiction and venue in such courts.

Any other disputes will be resolved as follows:

If a dispute arises under this agreement, we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: Toronto, Ontario. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us.

If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: Toronto, Ontario, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.

www.joewalsh.ca may modify these Terms of Use, and the agreement they create, at any time, simply by updating this posting and without notice to you. This is the ENTIRE agreement regarding all the matters that have been discussed.

Privacy Policy

Last Updated: June 3, 2024

Bedrock Financial Group ("Company", "we", "our", "us") is committed to protecting your personal information and your right to privacy. If you have any questions or concerns about this privacy notice or our practices with regard to your personal information, please contact us at joe@joewalsh.ca.

When you visit our website joewalsh.ca (the "Website"), and use our services, you trust us with your personal information. We take your privacy very seriously. In this privacy notice, we describe our privacy policy. We seek to explain to you in the clearest way possible what information we collect, how we use it, and what rights you have in relation to it. We hope you take some time to read through it carefully, as it is important.

If there are any terms in this privacy policy that you do not agree with, please discontinue use of our Sites and our services.

joewalsh.ca strives to offer its visitors the many advantages of Internet technology and to provide an interactive and personalized experience. We may use Personally Identifiable Information (your name, e-mail address, street address, telephone number) subject to the terms of this privacy policy. We will never sell, barter, or rent your email address to any unauthorized third party. Period.”

How we gather information from users

How we collect and store information depends on the page you are visiting, the activities in which you elect to participate, and the services provided. For example, you may be asked to provide information when you register for access to certain portions of our site or request certain features, such as newsletters or when you make a purchase. You may provide information when you participate in sweepstakes and contests, message boards and chat rooms, and other interactive areas of our site. Like most Web sites, joewalsh.ca also collects information automatically and through the use of electronic tools that may be transparent to our visitors. For example, we may log the name of your Internet Service Provider or use cookie technology to recognize you and hold information from your visit. Among other things, the cookie may store your user name and password, sparing you from having to re-enter that information each time you visit, or may control the number of times you encounter a particular advertisement while visiting our site. As we adopt additional technology, we may also gather information through other means. In certain cases, you can choose not to provide us with information, for example by setting your browser to refuse to accept cookies, but if you do you may be unable to access certain portions of the site or may be asked to re-enter your user name and password, and we may not be able to customize the site’s features according to your preferences.

What we do with the information we collect

Like other Web publishers, we collect information to enhance your visit and deliver more individualized content and advertising. We respect your privacy and do not share your information with anyone.

Aggregated Information (information that does not personally identify you) may be used in many ways. For example, we may combine information about your usage patterns with similar information obtained from other users to help enhance our site and services (e.g., to learn which pages are visited most or what features are most attractive). Aggregated Information may occasionally be shared with our advertisers and business partners. Again, this information does not include any Personally Identifiable Information about you or allow anyone to identify you individually.

We may use Personally Identifiable Information collected on joewalsh.ca to communicate with you about your registration and customization preferences; our Terms of Service and privacy policy; services and products offered by joewalsh.ca and other topics we think you might find of interest.

Personally Identifiable Information collected by joewalsh.ca may also be used for other purposes, including but not limited to website administration, troubleshooting, processing of e-commerce transactions, administration of sweepstakes and contests, and other communications with you. Certain third parties who provide technical support for the operation of our website (our Web hosting service for example) may access such information. We will use your information only as permitted by law. In addition, from time to time as we continue to develop our business, we may sell, buy, merge or partner with other companies or businesses. In such transactions, user information may be among the transferred assets. We may also disclose your information in response to a court order, at other times when we believe we are reasonably required to do so by law, in connection with the collection of amounts you may owe to us, and/or to law enforcement authorities whenever we deem it appropriate or necessary. Please note we may not provide you with notice prior to disclosure in such cases.

Online Advertising We Utilize

In this section of our Privacy Policy, we want to outline and describe Targeted Advertising (which can also be called Remarketing or Behavioral Advertising), Google Analytics, and the choices you have related to this type of online advertising and data collection.

The third-party ad networks and ad companies we utilize, including Google and Facebook, serve our ads to you on sites across the internet based on past visits to our website. Targeted Advertising through third party ad networks, including Google, allows us the ability to better tailor our marketing and advertising to fit your needs by displaying ads that are more relevant to you.

Third party ad networks and ad companies we utilize, including Google Ads, Facebook Ads, use cookies, and may also use web beacons and similar technologies, to collect user behavior Information during any visit or visits you make to this website in order to provide measurement services and advertising optimization only. As an example, the information that is collected by the cookie may include the number of times you visited a page and viewed and/or clicked an ad. The cookie does not collect personal information or give access to your computer.

If you do not want to participate in Targeted Advertising and Google Analytics data gathering you can opt out of the automated collection of information by third party ad networks, including Google, by visiting the Digital Advertising Alliance Consumer Choice page at http://www.aboutads.info/choices/ and by visiting the Network Advertising Initiative Consumer Opt-Out page at www.networkadvertising.org/choices/. You can also edit your Google Display Network ad preferences at https://support.google.com/My-Ad-Center-Help/answer/12155451?hl=en and opt out of Google Analytics by visiting the Google Analytics Opt Out Page at https://tools.google.com/dlpage/gaoptout.

Your Privacy Rights

In some regions (like the European Economic Area, United Kingdom, Australia, and Canada), you have rights that allow you greater access to and control over your personal information. You may review, change, or terminate your account at any time.

- Data Subject Rights: Depending on the applicable law, you may have the right to access, correct, update, or request deletion of your personal information. To request to review, update, or delete your personal information, please submit a request to joe@joewalsh.ca

Data Security

We aim to protect your personal information through a system of organizational and technical security measures. We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process.

While the security of your data is important to us, remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track the activity on our Service and hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. We use cookies and similar tracking technologies for the following purposes:

- To provide and operate our services.

- To enhance your experience on our site.

- To understand how our site is used.

- To customize our advertising and marketing efforts.

Types of Cookies We Use

- Essential Cookies: These cookies are necessary for the website to function and cannot be switched off in our systems.

- Performance and Functionality Cookies: These cookies are used to enhance the performance and functionality of our website but are non-essential to their user.

- Analytics and Customization Cookies: These cookies collect information that is used either in aggregate form to help us understand how our website is being used or how effective our marketing campaigns are, or to help us customize our website for you.

- Advertising Cookies: These cookies are used to make advertising messages more relevant to you. They perform functions like preventing the same ad from continuously reappearing, ensuring that ads are properly displayed for advertisers, and in some cases selecting advertisements that are based on your interests.

Your Choices Regarding Cookies

If you prefer to avoid the use of cookies on the website, first you must disable the use of cookies in your browser and then delete the cookies saved in your browser associated with this website. You may use this option for preventing the use of cookies at any time.

Managing Cookies

You can manage your cookie preferences through your browser settings. Each browser provides different mechanisms for blocking and deleting cookies. Here is a list of some popular browsers that provide instructions for managing cookies:

- Google Chrome
- Mozilla Firefox
- Safari
- Microsoft Edge

Links to Other Sites

Our Service may contain links to other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party’s website. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party websites or services.

Children’s Privacy

Our Service does not address anyone under the age of 18 (“Children”).

We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has provided us with Personal Data, please contact us.

If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

Compliance with Legal Standards

We comply with the following data protection laws and regulations:

- General Data Protection Regulation (GDPR): For users in the European Economic Area (EEA) and the UK, we comply with the GDPR, which provides you with the right to access, correct, delete, and limit the use of your personal information. You can also object to the processing of your personal information, request data portability, and lodge a complaint with your local data protection authority.

- UK Data Protection Act: We adhere to the UK Data Protection Act, which provides similar protections to the GDPR for users in the United Kingdom.

- California Consumer Privacy Act (CCPA): For users in California, we comply with the CCPA, which grants you the right to know what personal data is being collected about you, to access your personal data, to request deletion of your personal data, to know whether your personal data is sold or disclosed and to whom, and to opt-out of the sale of your personal data without discrimination for exercising these rights.

- Australia’s Privacy Act: For users in Australia, we comply with the Privacy Act 1988 (Cth), which provides you with the right to access and correct your personal information, and to lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

- Personal Information Protection and Electronic Documents Act (PIPEDA): For users in Canada, we comply with PIPEDA, which provides you with the right to access and correct your personal information, to withdraw consent to the processing of your personal information, and to lodge a complaint with the Office of the Privacy Commissioner of Canada.

Contacting Us

We can be reached by contacting:

Bedrock Financial Group

Email: joe@joewalsh.ca

Changes to this Policy

joewalsh.ca reserves the right to change this policy at any time. Please check this page periodically for changes. Your continued use of our site following the posting of changes to these terms will mean you accept those changes. Information collected prior to the time any change is posted will be used according to the rules and laws that applied at the time the information was collected.

Governing law

This policy and the use of this Site are governed by Ontario law. If a dispute arises under this Policy we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: Hamilton, Ontario, Canada. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us.

If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: Hamilton, Ontario, Canada, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.

joewalsh.ca is controlled, operated and administered entirely within Ontario. This statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.

Back to Home