Terms of Service

1. Acceptance of these terms

These Terms of Service (“Terms”) govern your access to and use of the website operated by ICON Collection Solutions Inc. (“ICON,” “we,” “us,” or “our”) at iconcollectionsolutions.com, and any communications you receive from us, including text messages. By using this website or opting in to our messaging programme, you agree to these Terms. If you do not agree, please do not use the site.

2. About our services

ICON is a licensed and bonded commercial collection agency serving businesses in British Columbia and Alberta. We provide accounts receivable recovery services to businesses on a contingency basis. This website provides general information about those services and allows you to contact us, book a consultation, submit accounts, and access your client portal.

Information on this website is provided for general informational purposes only. It is not legal, financial, credit, or tax advice, and it does not create a solicitor-client or advisory relationship. You should obtain professional advice appropriate to your circumstances before acting.

3. Who may use this site

This website is intended for use by businesses and by individuals acting on behalf of a business, who are of the age of majority in their province or territory of residence. By using the site you represent that you meet these requirements and that any information you provide is accurate and that you are authorised to provide it.

4. Engaging ICON as your collection agency

Nothing on this website constitutes an offer to enter into a collection agreement. A client relationship begins only when a written collection agreement is signed by both you and ICON. That signed agreement governs the commercial terms of our engagement, including commission rates, the scope of accounts placed, remittance, and termination.

Where these Terms conflict with a signed collection agreement, the signed collection agreement prevails in respect of the services it covers.

Our published “no collection, no fee” model means that collection commission is payable only on amounts recovered. Specific rates, minimum fees, and any third-party disbursements such as legal costs are set out in your collection agreement.

5. Your responsibilities as a client

• You must have the legal right to place an account with us and to share the information you provide about the debtor.
• Information you submit must be accurate and complete to the best of your knowledge, including the amount owing and any payments received.
• You must promptly notify us of any direct payment, dispute, settlement, bankruptcy, or other change affecting an account you have placed.
• You must not use our services for any unlawful purpose or to pursue an amount you know is not owed.

6. Text messaging (SMS) programme terms

Programme description

If you provide your mobile number and check the applicable consent box, ICON may send you text messages in the categories you selected:

• Service messages — appointment and discovery-call reminders, account status updates, and support follow-ups. Message frequency varies based on your account activity.
• Marketing messages — promotional offers, service announcements, and company news. Up to 4 messages per month. This category requires a separate, optional consent.

Costs

Message and data rates may apply. These charges come from your mobile carrier and are your responsibility. Contact your carrier for details of your plan.

How to get help

Reply HELP to any message for assistance, or contact us at 604-630-2700 or hello@icondebtsolutions.com.

How to opt out

Reply STOP to any message to unsubscribe. You will receive a single confirmation message and then no further messages in that programme. You may also opt out by calling or emailing us using the details above. Opting out of marketing messages does not affect service messages relating to an active account, and vice versa.

Delivery and carriers

Message delivery is subject to the effective transmission of your mobile carrier and is not guaranteed. Carriers are not liable for delayed or undelivered messages. We are not responsible for any delay or failure in delivery caused by a carrier, network, or device.

Change of number

You agree to notify us if you stop using the mobile number you provided, so that we do not send messages to a person who has not consented to receive them.

7. Debt collection practices and your rights

If you have been contacted by ICON regarding an outstanding account, that contact is made under the authority of the provincial collection legislation governing our licence — not under the website opt-in described in section 6. Consenting to, or opting out of, our website messaging programme does not start or stop communications about an account placed with us for collection. Those communications are governed by the statutes and regulations below.

Licensing and governing legislation

ICON Collection Solutions Inc. is a licensed collection agency. Our collection activity is regulated by:

• British Columbia — the Business Practices and Consumer Protection Act (BPCPA), Part 7 (Debt Collection), and the Debt Collection and Repayment Regulation, administered by Consumer Protection BC.
• Alberta — the Consumer Protection Act and the Collection and Debt Repayment Practices Regulation, administered by Service Alberta.
• Federally — the Personal Information Protection and Electronic Documents Act (PIPEDA), Canada’s Anti-Spam Legislation (CASL), and the CRTC Unsolicited Telecommunications Rules.

When we may contact you

We contact debtors only within the hours permitted by the applicable provincial regulation. Those restrictions include limits on contact in the late evening and early morning, on Sundays outside a restricted window, and on statutory holidays. The precise permitted hours are those prescribed by the regulation in force in your province, and we observe whichever is applicable to you.

Notice before collection

Before commencing collection contact, we provide the written notice required by the applicable provincial legislation, identifying the creditor, the amount owing, and our authority to collect the account.

Conduct we are prohibited from engaging in

The legislation above prohibits, and ICON does not engage in:

• Threatening, profane, intimidating, or coercive language.
• Undue, excessive, or unreasonable pressure, or harassment of any kind.
• Misrepresenting the amount owed, our identity, our authority, or the legal consequences of non-payment.
• Communicating with your employer, family, neighbours, or acquaintances, except in the limited circumstances the legislation permits (such as confirming employment or obtaining your address, or where that person has guaranteed the debt).
• Continuing to contact you directly after you have properly directed us otherwise under the sections below.
• Collecting or attempting to collect an amount not owed, or charging costs not permitted by law.

Your right to control how we communicate

You may notify us in writing that you require all further communication about your account to be:

• in writing only; or
• directed to your lawyer, and not to you.

Send that notice to the address or email in section 14 and we will comply as required by law. You may also dispute the debt, in which case we will handle the dispute in accordance with the applicable legislation.

Making a complaint

If you believe our collection conduct has breached the legislation above, please contact us first at 604-630-2700 or hello@icondebtsolutions.com so we can address it. You also have the right to complain directly to the regulator, at any time and regardless of whether you contact us:

• British Columbia — Consumer Protection BC (consumerprotectionbc.ca).
• Alberta — Service Alberta, Consumer Investigations Unit (alberta.ca/consumer-protection).
• Privacy matters — the Office of the Information and Privacy Commissioner for your province, or the Office of the Privacy Commissioner of Canada.

Nothing in these Terms limits, waives, or overrides any right or remedy available to you under the BPCPA, the Alberta Consumer Protection Act, or any other consumer protection legislation. Where any provision of these Terms conflicts with a right that legislation gives you, that legislation prevails.

Commercial electronic messages (CASL)

Any marketing message we send by text or email will identify ICON as the sender, provide our contact information, and include a working unsubscribe mechanism that remains valid for at least 60 days, as required by CASL. We act on unsubscribe requests promptly and within the statutory time limit.

8. Acceptable use

You agree not to:

• Use the site in any way that breaches applicable law or regulation.
• Attempt to gain unauthorised access to any part of the site, our client portal, or any connected system.
• Introduce malicious code, or attempt to interfere with the proper operation of the site.
• Scrape, harvest, or systematically extract content or data from the site without our written permission.
• Impersonate any person or misrepresent your affiliation with any person or organisation.

9. Third-party services

Our website links to and relies on services operated by third parties, including our scheduling provider, online form provider, client portal, and analytics provider. Your use of those services is governed by their own terms and privacy policies. We are not responsible for the availability, content, or practices of third-party services.

10. Intellectual property

All content on this website, including text, graphics, logos, and the ICON name and marks, is owned by ICON Collection Solutions Inc. or its licensors and is protected by Canadian and international intellectual property laws. You may view and print content for your own internal business use. You may not reproduce, republish, distribute, or create derivative works from our content without our prior written consent.

11. Disclaimers

This website and its content are provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components, or that any information on it is complete or current.

We do not guarantee that any particular account placed with us will be recovered, in whole or in part. Past recovery results are not a prediction of future outcomes.

12. Limitation of liability

To the maximum extent permitted by law, ICON and its directors, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, or for any loss of profits, revenue, data, goodwill, or business opportunity, arising out of or relating to your use of this website, whether based in contract, tort, negligence, statute, or otherwise, even if we have been advised of the possibility of such damages.

Where liability cannot be excluded, our total aggregate liability arising out of or relating to your use of this website is limited to one hundred Canadian dollars (CAD $100), except in respect of services governed by a signed collection agreement, in which case the liability provisions of that agreement apply.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.

13. Governing law

These Terms are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable in that province, without regard to conflict of laws principles. You agree to the exclusive jurisdiction of the courts of British Columbia, subject to any mandatory consumer or statutory protections available to you in your own province of residence.

14. Contact us

15. Changes to these terms

We may revise these Terms at any time. The revised version takes effect when posted, and the “Last updated” date at the top of this page will change. Your continued use of the website after a revision constitutes acceptance of the updated Terms. We encourage you to review this page periodically.