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Privacy Policy


1. Intellectual Property

All text, graphics, user interfaces, photographs, trademarks, logos, and artwork including but not limited to the design, structure, selection, coordination, expression, “look and feel” and arrangement of such content, contained on TakeCharge is owned, controlled or licensed by or to TakeCharge, and is protected by copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws.

You may use information on the TakeCharge website only for your personal, non-commercial informational purpose. No content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted or distributed in any way to any other computer, server, Web site or other medium for publication or distribution or for any commercial enterprise, without TakeCharge's prior written consent.

2. Review of transmissions

You agree that if you submit ratings, suggestions, comments or questions or post any other information on this site, you grant TakeCharge, non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicenseable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute and display such content in any form, media or technology. TakeCharge takes no responsibility and assumes no liability for any content posted or submitted by you.

3. Limitation of Liability

Under no circumstances shall TakeCharge be liable for any losses or damages whatsoever, whether in contract, tort or otherwise, from the use of, or reliance on, TakeCharge website. TakeCharge excludes all liability (including for negligence) to You or anyone else in respect of any loss or damage (including special, indirect or consequential loss or damage such as loss of revenue, unavailability of systems or loss of data) arising from or in connection with any, use of the information on or access through the TakeCharge website.

4. Personal Information

Personal Information entered knowingly and voluntarily submitted, will be forwarded to the supplier of the offer selected thus granting permission for that supplier to contact you in the future either via mail, phone or email.

5. Disclaimer of warranty

TakeCharge is providing this site and its contents on an “as is” basis and use of this site is at your own risk. The content is believed to be accurate, complete, current and reliable at the date the information was placed on the site.

TakeCharge, nor any of its respective directors, officers, employees or agents, makes any representation or warranty as to the accuracy, completeness, currency or reliability of the information contained on this site (including in relation to any products or services). To the extent permitted by law, including non-excusable statutory obligations, none of them will be liable or responsible in any way (including in negligence) for errors in, or omissions from, the information contained on this site.

To the extent permitted by law, TakeCharge expressly disclaims all warranties of any kind, whether express or implied, including (without limitation) implied warranties or conditions of merchant ability or fitness for purpose.

6. Indemnity

You agree to indemnify and hold TakeCharge and (as applicable) affiliates, officers, directors, agents, and employees, harmless from and against any claims, demands, proceedings, losses and damages (actual, special and consequential) of every kind and nature, known and unknown, including reasonable solicitors' fees, made by any third party due to or arising out of your breach of this Agreement or the terms and policies it incorporates by reference, or your violation of any law or the rights of a third party.

7. Changes

TakeCharge may change these terms and conditions at any time without notice and You agree to be bound by such changes. Those changes shall be posted on the website.