Terms of Service

Portage Collections Inc. ("Portage", "we", "us")
120 Adelaide Street West, Suite 2410, Toronto, ON M5H 1T1, Canada
info@portagecollections.com

Last updated: July 24, 2026

These Terms govern your use of this website and the general framework of our services. They are written to be read. The fine print of any actual engagement lives in a signed agreement — and where it conflicts with anything here, the signed agreement always governs.

1. What this website is — and is not

This website is informational. Nothing on it:

• constitutes legal advice, a legal opinion, or a substitute for advice from a lawyer or paralegal licensed in your jurisdiction;
• is an offer or solicitation directed at any jurisdiction where we are not authorized to operate;
• guarantees any outcome, timeline, or recovery amount;
• creates a client, agency, fiduciary or attorney–client relationship. No relationship arises from browsing, emailing, submitting a form, or receiving our free audit. A client relationship exists only once a written engagement agreement is signed by both parties.

Do not send us confidential information before an engagement is signed — we will treat pre-engagement submissions as non-confidential except as our Privacy Policy requires.

2. What Portage is — and is not

Portage Collections Inc. is a commercial debt recovery agency. We are not a law firm, and nothing we do is the practice of law. Where an engagement requires reserved legal activities — litigation, representation before courts, formal legal opinions — those are performed exclusively by independent licensed counsel in the relevant jurisdiction, retained as the matter requires. Where local law regulates collection activity, we operate within that regulation, including through appropriately authorized local partners where required.

3. How engagements are structured

Depending on the file, an engagement takes one of two forms, fixed in writing before work begins:

• Contingency collection. You retain ownership of the debt; we act on your behalf to recover it for a success fee — a percentage of funds actually recovered and remitted, agreed in writing in advance. No upfront fees.
• Assignment. The debt is assigned to us (or our affiliate) by a written deed of assignment, with formal notice to the debtor, and we pursue recovery in our own name on terms set out in the assignment agreement.

In both models:

• Third-party costs (court and filing fees, service of process, translation, notarization, apostille) may be advanced by us and reimbursed from recovered funds before the fee split, itemized in the closing statement;
• after the free audit you may decline to proceed, at no cost and with your materials handled per our Privacy Policy;
• where this summary and the signed agreement differ, the signed agreement governs.

4. The free audit

The audit is a good-faith commercial assessment of collectability based on the materials you provide. It is not a legal opinion, not a commitment to accept the engagement, and not advice on which you should base legal decisions. We may decline any file at our discretion.

5. Your warranties — this part protects us both

By submitting a file or engaging us, you represent and warrant that:

• the debt is genuine, due and enforceable to the best of your knowledge, and the amounts claimed are accurate;
• the documents you submit are authentic and unaltered, and you have the lawful right to possess and share them, including any personal information of the debtor or third parties contained in them;
• you have disclosed everything material — prior settlements, partial payments, disputes, counterclaims, known insolvency proceedings, and any limitation-period concerns you are aware of;
• your claim does not arise from fraud, illegality, or a transaction unlawful in the jurisdiction where it was made.

6. Direct payments and circumvention

Once an engagement is signed and the debtor has been notified, all payments by the debtor — whether made to us, to you directly, or to any third party — count as recovered funds for fee purposes, as detailed in your agreement. You agree to refer debtor communications to us during the engagement and not to negotiate a side settlement that deprives the engagement of its purpose.

7. No outcome guarantee — honestly

Recovery depends on things no one controls: debtor solvency, documentation quality, limitation periods, court schedules, enforcement mechanics in foreign jurisdictions. We commit to process, diligence and transparency — never to a specific result or date.

Case descriptions, statistics and any testimonials on this site are illustrative composite scenarios or anonymized past matters, presented for information only. They describe what a process can look like — not what your outcome will be. Past performance does not predict future recovery.

8. Communications

You consent to our communicating with you by the channels you provide (email, phone, WeChat, WhatsApp), and you acknowledge those channels carry their own providers' terms. Calls and messages may be logged or recorded for compliance and quality, where the law permits. Formal notices under an engagement go to the addresses stated in the signed agreement.

9. Acceptable use of this site

You agree not to:

• submit fabricated claims, forged documents, or information obtained unlawfully;
• use the site to probe, scrape, overload or compromise our systems;
• impersonate another person or misrepresent your authority to act for a company.

We may decline or terminate any engagement — and where appropriate refer the matter to authorities — if information proves materially false or instructions would require us to break the law.

10. Intellectual property

All content on this site — text, design, marks — belongs to Portage or its licensors. You may read it and share links. You may not copy, republish or use it commercially without written permission.

11. Liability and indemnity

• Website: to the maximum extent permitted by law, we accept no liability for decisions made in reliance on this website; where liability cannot be excluded, it is limited to CAD $100 in aggregate.
• Engagements: our aggregate liability arising from any engagement is limited to the fees actually received by us for that engagement. We are not liable for indirect or consequential losses — lost profits, lost opportunities, reputational harm — except where the law does not allow such exclusion.
• Indemnity: you agree to indemnify and hold us harmless against claims, losses and expenses (including reasonable legal costs) arising from your breach of section 5 — false documents, unlawful claims, or information you had no right to share.

Nothing in these Terms excludes liability that cannot be excluded by law.

12. Governing law and disputes

• Website use: governed by the laws of the Province of Ontario and the federal laws of Canada; courts of Ontario have exclusive jurisdiction.
• Engagements: governed by the law and dispute-resolution mechanism specified in the signed agreement.
• Language: these Terms may be translated for convenience; the English version prevails.

13. General

If any provision is found unenforceable, the rest continue in force. Failure to enforce a right once is not a waiver of it later. These Terms may be updated; the date above shows the current version, and material changes will be flagged on this page.

14. Contact

Portage Collections Inc.
120 Adelaide Street West, Suite 2410, Toronto, ON M5H 1T1, Canada
info@portagecollections.com · +1 (905) 932-2178