Terms of Use
These Terms of Use explain the rules, limitations, and disclaimers that apply when you access or use the Financial Guide Canada website, tools, and content in Canada.
These Terms of Use explain the rules, limitations, and disclaimers that apply when you access or use the Financial Guide Canada website, tools, and content in Canada.
Financial Guide Canada (“Financial Guide Canada”, “we”, “us”, or “our”) owns and operates this website (the “Website”). These Terms of Use (“Terms”) set out the legally binding terms and conditions that apply to all visitors and users of the Website, including users who interact with our tools and calculators, submit comments or questions, or simply browse our content (“you”).
By accessing or using the Website in any way, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree with these Terms, you must not use the Website or any of its content, tools, or services.
Financial Guide Canada provides editorial content, educational resources, and tools focused on personal finance topics for Canadians, such as budgeting, credit, debt, saving, investing, taxes, and financial planning (the “Services”). Our content is for general information and education only.
We may provide comparisons, reviews, or overviews of financial products and services offered by third-party institutions (for example, credit cards, bank accounts, loans, insurance, and investment products). Financial Guide Canada does not itself act as a bank, lender, insurer, investment dealer, or financial advisor, and we do not provide personalized financial, legal, tax, or investment advice.
The information on the Website is provided for general informational and educational purposes only and should not be interpreted as professional advice of any kind. We do not know your individual situation, risk tolerance, or objectives, and nothing on the Website should be relied on to make a specific financial or other decision.
Before acting on any information from the Website, you should conduct your own research and consider consulting a qualified professional, such as a financial planner, accountant, tax specialist, licensed insolvency trustee, insurance broker, or lawyer. You are solely responsible for any decisions you make based on information obtained from the Website.
The Website may reference, review, rank, or link to financial products and services provided by third parties (“Third-Party Providers”). While we aim to present information clearly and fairly, we do not control Third-Party Providers or their products, services, rates, fees, or eligibility criteria.
Some links on the Website may be affiliate links or referral links through which Financial Guide Canada receives compensation if you click or apply for a product or service. This compensation does not affect the price you pay but may influence how products are displayed or ordered on certain pages. We strive to keep our editorial coverage independent and transparent.
Any transaction you enter into with a Third-Party Provider is solely between you and that provider. We do not endorse, guarantee, or assume responsibility for any Third-Party Provider, product, or service, and we are not responsible for any losses or disputes that arise from your dealings with them.
We work to keep the information on the Website accurate and up to date, but financial products, rates, fees, terms, and eligibility criteria can change frequently and without notice. We do not guarantee that any information on the Website is current, complete, or free from errors.
You are responsible for verifying all important details directly with the relevant institution, including interest rates, fees, promotions, eligibility criteria, and product terms and conditions, before applying for or using any financial product or service.
We may modify, suspend, or discontinue any part of the Website or Services at any time, without notice or liability.
The Website may allow you to submit comments, questions, reviews, or other content (“User Content”). You are solely responsible for all User Content you submit or make available through the Website and for ensuring that it is accurate, lawful, and appropriate.
By submitting User Content, you represent and warrant that:
You grant Financial Guide Canada a non-exclusive, worldwide, royalty-free, transferable, and sublicensable license to use, reproduce, modify, adapt, publish, translate, distribute, and display your User Content in connection with operating, promoting, and improving the Website and Services.
We reserve the right, but have no obligation, to monitor, edit, refuse, or remove any User Content at our sole discretion.
When using the Website, you agree not to:
We may investigate suspected violations of these Terms and may cooperate with law enforcement or regulators where required.
Except for User Content submitted by you, all content and materials on the Website— including text, articles, graphics, logos, icons, images, and layout—are the property of Financial Guide Canada or our licensors and are protected by Canadian and international intellectual property laws.
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website for your personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any part of the Website for commercial purposes without our prior written permission.
The Website may contain links to third-party websites or resources that are not owned or controlled by Financial Guide Canada. These links are provided for convenience only.
We are not responsible for the content, security, policies, or practices of third-party websites. Your use of third-party websites is at your own risk and subject to the terms and policies of those sites. The presence of a link does not imply endorsement or recommendation by Financial Guide Canada.
The Website and all content, tools, and services are provided on an “as is” and “as available” basis, without any warranties of any kind, whether express, implied, or statutory. To the fullest extent permitted by law, Financial Guide Canada disclaims all warranties and conditions, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, and availability.
We do not warrant that the Website will be uninterrupted, secure, or error-free, that defects will be corrected, or that the Website or any related systems are free of viruses or other harmful components. Any use of the Website and reliance on its content is at your own risk.
To the fullest extent permitted by applicable law, Financial Guide Canada and its directors, officers, employees, contractors, and affiliates will not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages, or for any loss of profits, revenue, data, or goodwill arising out of or in connection with your use of, or inability to use, the Website or Services.
Without limiting the foregoing, our total aggregate liability to you for any claim arising out of or relating to these Terms or your use of the Website will not exceed the greater of (a) fifty Canadian dollars (CAD $50) or (b) the amount you have paid to Financial Guide Canada, if any, for access to paid features of the Website in the twelve (12) months prior to the event giving rise to the claim.
You agree to indemnify and hold harmless Financial Guide Canada and its directors, officers, employees, contractors, and affiliates from and against any and all claims, demands, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising out of or related to: (a) your use of the Website or Services; (b) your violation of these Terms; or (c) your violation of any rights of a third party.
We may, in our sole discretion and without prior notice, suspend or terminate your access to all or part of the Website for any reason, including if we believe you have violated these Terms, misused the Website, or engaged in unlawful or harmful conduct.
Upon termination, all rights and licenses granted to you under these Terms will immediately cease. Provisions of these Terms that by their nature should survive termination (such as limitations of liability, disclaimers, and indemnities) will continue to apply.
We may update or modify these Terms from time to time to reflect changes in our practices, legal requirements, or the features of the Website. When we make material changes, we will update the “Last Updated” date at the top of this page and may provide additional notice where appropriate.
Your continued use of the Website after any changes to these Terms constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the Website.
These Terms, and any disputes arising out of or relating to them or to your use of the Website, are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.
You agree that any legal action or proceeding relating to these Terms or the Website will be brought exclusively in the courts of the Province of Ontario, and you hereby submit to the jurisdiction of those courts.
If you have any questions about these Terms of Use, you may contact us at:
Financial Guide Canada – Legal Inquiries
Email: legal@financialguidecanada.ca