Licensed Insolvency Trustees
Licensed Insolvency Trustees
Terms and Conditions of Use
1. Application of the Terms and Conditions
By accessing and browsing this website, you agree to the terms and conditions of use set out below.
These terms and conditions apply to all content, features, forms, questionnaires, assessment tools and other services available on https://syndics.mallette.ca/.
2. Legal Entities and Liability
Mallette provides its professional services through several separate legal entities.
Insolvency, financial restructuring, consumer proposal and bankruptcy services are provided in particular by Mallette syndics et gestionnaires inc., whose activities are described on this website.
Mallette S.E.N.C.R.L. and other affiliated entities carry out their professional activities in their respective fields.
Each legal entity is responsible for its own acts and omissions, in accordance with applicable laws.
3. Intellectual Property Notice
© 2026, Mallette. All rights reserved.
Mallette owns the intellectual property rights to the content and code of this website or has obtained the necessary authorizations from the relevant rights holders.
The texts, images, graphic elements, interactive tools, questionnaires and other content published on this website are protected by applicable intellectual property laws.
4. Limited Licence
Mallette grants you a limited licence to view, print, download and use the content available on this website solely for personal, educational or non-commercial purposes, provided that you:
Do not modify the content;
Retain all copyright notices and other intellectual property notices; and
Comply with these terms and conditions of use.
No other use is permitted without Mallette's prior authorization.
In particular, you may not:
Use the website's content for commercial purposes without authorization;
Reproduce or redistribute the content on another website;
Copy or reuse the website's computer code without authorization;
Use the content for unlawful, discriminatory or misleading purposes; or
Use the website in any manner likely to harm the reputation of Mallette or others.
Nothing in these terms and conditions shall be construed as granting any additional rights to intellectual property belonging to Mallette or third parties.
5. Trademarks
“Mallette” is a trademark of Mallette.
Other trademarks, trade names, products and services mentioned on this website belong to their respective owners.
The display of these trademarks does not grant any right or licence to use them without authorization.
6. No Professional Advice
The content published on this website is provided for informational purposes only and does not constitute professional advice.
The information presented, including in articles, service pages, frequently asked questions and other informational content, is general in nature and may not take into account all aspects of your financial and personal circumstances.
Many factors may influence the solutions available to an individual dealing with debt or insolvency, including income, assets, debts, financial obligations and personal circumstances.
Accordingly, no decision should be made or action taken solely on the basis of information contained on this website without first obtaining professional advice tailored to your circumstances.
If you have any questions or require a personalized assessment, we encourage you to contact a Licensed Insolvency Trustee at Mallette.
7. Assessment Tools, Calculators and Recommendations
This website may provide interactive tools, questionnaires, calculators, simulators or other features designed to offer information or preliminary guidance regarding your financial situation.
These tools may present results, estimates or potential solutions relating to debt, consumer proposals, personal bankruptcy or other financial options.
The results, estimates, guidance and recommendations generated by these tools are provided for informational and indicative purposes only. They do not constitute legal advice, professional advice, a personalized recommendation or a decision made by a Licensed Insolvency Trustee.
Results are based on the information provided by the user and the parameters specific to each tool. They may not take into account all the factors required for a comprehensive assessment of the user's circumstances.
In particular:
Results do not guarantee eligibility for a consumer proposal, bankruptcy or any other financial solution.
The presentation of a particular solution does not necessarily mean that it is the most appropriate option for the user.
Any amounts, timeframes, potential savings or other estimates displayed may differ from the findings of a professional assessment.
Results do not constitute an approval, an offer of services or a commitment by Mallette.
Automatically generated recommendations do not replace the assessment and professional judgment of a Licensed Insolvency Trustee.
Any guidance or recommendation obtained through a tool on this website must be reviewed and validated by a Licensed Insolvency Trustee before any decision is made or action is taken.
Only a personalized assessment conducted by a qualified professional can determine which solutions may be applicable to a particular situation, subject to legal requirements and any necessary approvals.
Mallette does not guarantee that the results generated by its tools are complete, accurate or appropriate for every situation.
Using an interactive tool does not, in itself, establish a professional relationship or engagement between the user and Mallette.
8. Security of Electronic Communications
Despite the precautions taken, unsecured electronic communications over the Internet are neither entirely secure nor confidential and may be intercepted, lost or altered.
Mallette shall not be liable for damages arising from the transmission of unsecured electronic communications, to the extent permitted by applicable laws.
You acknowledge that transmitting information over the Internet involves certain risks.
Mallette may monitor access to its website and take appropriate action, including suspending certain access privileges, when it deems such action necessary to ensure the security of its systems and the proper functioning of the website.
The collection, use, disclosure and retention of personal information submitted through the website are governed by Mallette's Privacy Policy.
9. No Endorsement of Third-Party Products or Services
Information, content or hyperlinks on this website relating to products or services offered by third parties do not necessarily constitute an endorsement or approval of those products or services by Mallette.
The presentation of financial solutions such as debt consolidation, personal loans or other financial products does not mean that Mallette directly provides these services.
Users should contact the relevant professionals or financial institutions to learn about the applicable terms and conditions of these products or services.
10. No Warranty and Limitation of Liability
Mallette does not guarantee the reliability, currency, accuracy or completeness of the information presented on this website.
Such information is provided “as is”, without any warranty or condition of any kind, to the extent permitted by applicable laws.
The website may contain inaccuracies, omissions or typographical errors.
Mallette reserves the right, but assumes no obligation, to revise the assumptions, data, figures, estimates and other information contained in its publications or tools, as well as any conclusions arising from them, particularly in light of facts, trends, legislative or regulatory changes, or other information that comes to its attention after publication.
To the extent permitted by applicable laws, Mallette shall not be liable for damages of any kind, including direct, indirect or consequential damages, arising from access to this website, its use, the use or interpretation of information published on it, the results generated by its tools or the inability to access it.
Any person who consults, reproduces, transmits, distributes or uses information published on this website does so at their own risk, subject to the rights and remedies provided under applicable laws.
11. Complaints Procedure
Mallette places great importance on the quality of its services, client satisfaction and compliance with the professional and ethical obligations applicable to its activities.
If you have any concerns regarding the services received, we encourage you to first discuss them with the professional responsible for your file.
If the matter cannot be resolved directly, you may also contact the appropriate regulatory bodies responsible for overseeing the professionals concerned.
Licensed Insolvency Trustees are regulated by the Office of the Superintendent of Bankruptcy Canada, in accordance with the applicable legislative framework.
For more information, please visit the website of the Office of the Superintendent of Bankruptcy Canada.
12. Amendments
Mallette reserves the right to amend these terms and conditions of use at any time, including modifying, suspending or withdrawing certain content, features or authorizations.
Any amendments take effect upon publication on the website, subject to applicable laws.
We encourage you to review these terms and conditions periodically to stay informed of any updates.
13. Website Use
If you experience difficulties viewing a page, using an interactive tool or submitting a form, please contact Mallette using the contact information or contact form available on this website.
To obtain a personalized assessment of your financial situation, you may also schedule an appointment with our team at: