Welcome to murtex.com! If you continue to browse and use this website, you agree to the terms and conditions of use as defined in this document and our Privacy Policy that govern any interaction between you, as user, and murtex.com. In this document, the terms "murtex.com" or "we" refer to the owners of this website. The terms "you" or "the user" refer to the user of this website. Using this website is subject to the following terms and conditions:

• The contents of this website are provided as general information only. Contents may change any time without notice.

• murtex.com disclaims all warranties, express or implied, statutory or otherwise, as to the accuracy, validity, reliability, the completeness or relevance of any materials or information contained in this website for any purpose. You agree that information or contents found in this website may contain inaccuracies or errors, and that murtex.com cannot be considered legally liable for any consequences resulting from these inaccuracies or errors.

• Using information or contents of this website is done strictly at your own risk. murtex.com cannot be considered liable for any consequences of this use. You are responsible for ensuring that any services or products available through this website meet your criteria and needs.

• The contents of this website belong or are licensed to murtex.com. It includes, among others, the layout, appearance and images included in the website. Reproduction of all of part of these elements, not consistent with copyright rules, is forbidden.

• Trademarks reproduced in this website that are not owned or licensed to the owners of this website are recognized accordingly.

• Any fraudulent or illegal use of this website may be subject to criminal sanctions.

• This website may contain hyperlinks to other third party websites. These hyperlinks are provided for informative purposes only and in no way engage the responsibility of murtex.com;

• It is forbidden to create any hyperlink to this website from a third party website or document without prior written authorization from murtex.com.

Any disputes arising out of the use of this website are subject to all applicable Canadian laws.