Terms of Use

Acceptance of Terms

Please read all the following terms and conditions of use (“Terms of Use”), which govern your access and use of this website and related sites, products, and services provided by BBD Insights (collectively, “Products”). By continuing to access or use the Products, you signify your acceptance of these Terms of Use. You also hereby acknowledge that you have read and understand the Privacy Policy and consent to BBD’s collection and use of your personal information as set out therein. If you do not agree to the Terms of Use or Privacy Policy, you may not access or use the Products at any time. These Terms of Use are in addition to the specific terms and conditions that may apply to the products and services provided by BBD to you.
It should not be used, however, for the following purposes without review by financial professionals:

  • Loan Decisions – BBD provides objective, quantifiable ratios and can make loan approval recommendations based on rules established by the institution. However, you should use BBD in conjunction with review by experienced analysts who understand credit risk at the institution.
  • Major Capital Purchase Decisions – Before adding fixed assets to a company, the principals of the company should give the investment serious consideration. BBD is only one solution that you or the principals of the company can use in combination with other analytical tools and the advice of competent professionals such as accountants and bankers.
  • Investment Decisions – While BBD can be helpful as part of an investment decision, you should not rely solely on BBD (or any expert system) for making an investment decision. Please do not do so – use our reports in conjunction with other investment advice, information, and tools.
BBD and/or its subsidiaries will not be responsible for the content of any BBD report where:
  • The text of the report is modified by any outside party.
  • Decision makers rely on BBD as their primary source of advice regarding business decisions. You should use BBD in combination with the advice of competent legal and financial professionals.

Use of Data

BBD will not publish or sell personally identifiable data (information that identifies a particular client/customer or other individual) without your express permission, and we agree to maintain the confidentiality of your information. BBD reserves the right to use any data and information provided by users for internal quality control and product development as necessary for supporting the Products. This may include the future development of financial models, indices, or other reports derived from the financial data entered. Do not enter data or other information into our applications if you do not want your or your client data to be used in this manner or contributed to our aggregate database.
BBD makes no claim and is not responsible for compliance with the Payment Card Industry Data Security Standard (PCI DSS) and/or the protection of credit card data. Users shall not enter Primary Account Numbers (PANs), as defined by PCI DSS, or any credit card numbers into any BBD Products. Should BBD discover credit card data during periodic audits of the system, you/your institution will be notified and required to take corrective action.

Intellectual Property

BBD, the BBD logo, and the names and content of the Products (collectively, “BBD IP”) are protected by trademarks, service marks, registered trademarks, copyrights, and/or other proprietary rights under U.S. copyright and other laws and treaties. BBD IP may not be used without the prior written approval of BBD. Customers shall utilize the information contained in any online report provided to such Customer from this Site solely for such Customer’s lawful internal business purposes; provided, however, that except for the right so to utilize any such online report, no license or other rights are hereby granted with respect to BBD IP, and all such rights therein shall be reserved solely to BBD Insights Inc. Any efforts to copy, reverse engineer, or otherwise replicate BBD IP or obtain the source code thereof, and any infringement, misappropriation, or other violation of the rights of BBD Insights Inc. in BBD IP under applicable patent, copyright, trademark, and other laws, is specifically prohibited. Customers hereby acknowledge that BBD Insights Inc. has a patent on its technology for producing narrative financial analysis reports, agree not to run reports as a basis for reverse engineering the Patented Technology and agree to not compete with a similar technology in any of the markets in which BBD competes.

Warranty and Indemnity

Users represent and warrant that they have all necessary rights and authority to provide the data and information provided through the Products and to permit BBD to use such data and information as set forth in the Terms of Use. If you do not comply with this warranty, BBD’ sole remedy and your sole obligation will be to indemnify and hold BBD and its officers, directors, and employees harmless from and against any third-party claims, actions, investigations, or liabilities (including damages, losses, costs, expenses, and reasonable attorneys’ fees) resulting from BBD’ possession or use of such data and other information (provided BBD permits you to defend BBD against any such claim). Users assume sole responsibility for results from the Products and conclusions drawn therefrom. Users will indemnify and hold BBD and its officers, directors, and employees harmless from and against any claims, actions, investigations, or liabilities (including damages, losses, costs, expenses, and reasonable attorneys’ fees) resulting from use of the Products.

Modifications to These Terms of Use

BBD reserves the right to amend, remove, or add to the Terms of Use at any time without notice. Such modifications shall be effective immediately upon posting. Users agree to review these Terms of Use regularly for changes. Continued access or use of the Products after modifications have been made will constitute user acceptance of the Terms of Use, as modified.

Contact Information

For information regarding these Terms of Use, please contact:
BBD Insights Inc.
Unit 307, 4750 Yonge St, Toronto, ON M2N 5M6
Phone: 1-647-895-0828
Email: henry.tu@bbdinsights.com