Terms & conditions

The following terms and conditions (“Terms and Conditions”) govern your access to and use of PRA Group Canada Inc. (“PRA Canada”) website found at www.pra-group.ca (the “Website”).

Please read these Terms and Conditions carefully before using the Website. By accessing or using the Website, you acknowledge and accept all Terms and Conditions and agree to be bound by them. You further agree to only use the Website in a manner that complies with all applicable laws and does not infringe the rights of any third parties or restrict or inhibit their use or enjoyment of the Website. If you do not agree to these Terms and Conditions, you may not use the Website, should navigate away and refrain from using the Website.

Some of the Terms and Conditions herein may be supplemented or superseded by other terms and conditions or legal notices located on particular pages of the Website. We may revise these Terms and Conditions at any time. Any change will be effective upon publication on the Website. You should review the current version of the Terms and Conditions when accessing the Website.

Accessing the Website

Access to the Website is permitted on a temporary basis. We reserve the right to make changes to the Website, withdraw any information and/or service we provide on the Website at any time without notice. If needed, we may suspend access to the Website or close it indefinitely.

We will not be liable for any damages, losses, costs, or expenses incurred by you if, for any reason, the Website is unavailable or inaccessible at any time or for any period. You are responsible for making all arrangements necessary for you to have access to the Website. You are also responsible for ensuring that all persons who access the Website through your internet connection are aware of these Terms and Conditions, and that they comply with them.

Use of the Website

You may navigate the Website and print any page(s) or download extracts of any page(s) from the Website for your personal and informational use only. You must not use any part of the information on the Website for commercial purposes without first obtaining a license to do so from us or our licensors, which can be withheld at our or our licensors’ sole discretion. Without limitation, you agree not to reproduce, re-distribute, sell, publish, broadcast, or circulate any information contained in the Website to anyone, including others in the same company or organization. You may not post content from the Website to social media, news groups, mail lists, or bulletin boards. No part of the Website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without our prior written consent.

You acknowledge and agree that you have no right to modify, edit, alter, or enhance any of the materials or information from the Website in any manner. All paper or digital copies of any information you have printed or downloaded in any way from the Website must contain all copyright and other applicable notices contained in such materials and information.

If you print off, copy, or download any part of the Website in breach of these Terms and Conditions or otherwise breach these Terms and Conditions, your right to use the Website will cease immediately and you must return or destroy any copies of the information you have made.

Proprietary Rights

All content of the Website including all designs, artwork, text, images, photos, information, animations, video materials, and audio materials are owned and controlled by PRA Group, Inc. PRA Group, Inc. does not, by allowing you to use the Website, imply any right to you or anyone else, and does not transfer or assign any ownership in any part of the Website to you or anyone else. The trade-mark PRA Group Canada is a proprietary trademark of PRA Group, Inc. and any use thereof without the express written permission of PRA Group, Inc. is strictly prohibited.


The information on the Website is provided “as is” without any express or implied warranty of any kind including warranties of merchantability, non-infringement, or fitness for any particular purpose. Information posted on the Website is general in nature. The Website does not purport to provide advice, make any offer, or otherwise create or lead to the creation of any relationship between you and us. Although we make reasonable efforts to update the information on our Website, we make no representations or warranties, express or implied, that the content of our Website is accurate, complete, or up to date. As such, no reliance should be placed on any statements made on the Website. We do not either represent or warrant that the Website will be accessible without interruption or that the Website or the server that supports it are free from errors, defects, omissions, or from viruses or other harmful components. By your use of the Website, you waive all these warranties, and you shall indemnify and keep harmless PRA Group, Inc. and PRA Canada from and against any claim.

Limitation of Liability

In no event shall PRA Group, Inc., PRA Canada, their affiliates, directors, officers, employees, successors, or assigns or other representatives be liable for any damages whatsoever (including, without limitation, damages for loss of profits, business interruption, or loss of information) arising out of the use of, or inability to use the materials, even if PRA Group, Inc. or PRA Canada have been advised of the possibility of such damages.

Links to Other Sites

The Website site may include links to other websites which are not under our control. These links are provided for your information and convenience only and are not an endorsement by us of the content of such linked websites. We expressly disclaim all responsibility for the content or availability of any linked site, or any link contained in a linked site. We may terminate any link or linking program at any time. When you access any of the third-party sites linked to this site, you do so at your own risk.

Applicable Laws

The materials in the Website are presented solely for the purpose of providing information on PRA Canada to individuals located within Canada. We make no representation that materials in the Website are appropriate or available for use in other locations. Whoever accesses this Website from other locations does so on his own initiative and is responsible for compliance with applicable local laws. Any claim relating to the materials herein shall be governed solely by the laws of the Province of Ontario or the applicable federal laws of Canada without regard to the choice or conflicts of law provisions of any jurisdiction. You hereby consent to such exclusive jurisdiction and venue for the resolution of all disputes arising from or related to these Terms and Conditions and/or your use of the Website.

April 2021