Acceptance of terms
These Terms & Conditions govern your access to and use of FindMyRate.ca. By using the website, you agree to these terms and to our Privacy Policy.
If you do not agree with these terms, do not use the website.
Our service
FindMyRate.ca provides general information and comparison tools for Canadian financial products, including credit cards, loans, banking products, mortgages, insurance, and related categories.
We are not a lender, bank, insurer, broker, credit reporting agency, financial planner, tax advisor, legal advisor, or investment advisor. We do not issue products, make approval decisions, underwrite applications, provide regulated advice, or guarantee that any product is suitable for you.
No financial advice or guarantees
Content on the website is provided for general informational purposes only. It should not be treated as financial, legal, tax, insurance, credit, or investment advice.
Rates, rewards, fees, approvals, funding times, eligibility criteria, product availability, cashback, bonuses, and other terms are set by third-party providers and can change without notice. Always verify final terms directly with the provider before applying for or accepting a product.
Third-party providers and links
The website may link to third-party websites, providers, affiliate networks, advertisements, tools, or forms. We do not control third-party websites or their products, decisions, security, policies, or content.
When you leave FindMyRate.ca or submit information to a third party, that third party may apply its own terms, privacy policy, eligibility rules, fees, and approval process.
Affiliate disclosure
FindMyRate.ca may receive referral fees, affiliate commissions, lead fees, or other compensation from partners when users click links, submit forms, request information, apply for products, or complete qualifying actions.
Compensation may affect how and where offers appear, but it does not guarantee approval, eligibility, pricing, or product suitability.
Your responsibilities
You agree to provide accurate information, use the website only for lawful purposes, review provider terms before making decisions, and maintain the confidentiality of any information or credentials you use with third-party providers.
You are responsible for evaluating whether a product, provider, rate, fee, or offer is appropriate for your circumstances.
Prohibited uses
You may not misuse the website, interfere with its operation, attempt unauthorized access, scrape or copy content at scale without permission, submit false or misleading information, infringe intellectual property rights, use the website for fraudulent activity, or violate applicable laws.
Intellectual property
The website, branding, design, text, graphics, layout, and other content are owned by FindMyRate.ca or its licensors and are protected by intellectual property laws. You may use the website for personal, non-commercial comparison purposes, but you may not reproduce, sell, or exploit site content without written permission.
Disclaimers
The website is provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim warranties of accuracy, completeness, availability, merchantability, fitness for a particular purpose, non-infringement, and uninterrupted or error-free operation.
We do not warrant that the website, third-party links, partner offers, or provider information will be current, complete, secure, or free from errors.
Limitation of liability
To the fullest extent permitted by law, FindMyRate.ca and its owners, operators, employees, contractors, and partners will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages, or for lost profits, lost data, lost opportunities, or financial losses arising from your use of the website or third-party products.
Nothing in these terms limits liability that cannot be limited under applicable law.
Indemnity
You agree to indemnify and hold FindMyRate.ca harmless from claims, losses, liabilities, damages, costs, and expenses arising from your misuse of the website, breach of these terms, violation of law, or infringement of third-party rights.
Changes and availability
We may update the website, change or remove content, suspend features, or revise these terms at any time. The updated terms will be posted on this page. Continued use of the website after changes are posted means you accept the updated terms.
Governing law
These terms are governed by the laws of Quebec and the federal laws of Canada applicable in Quebec, without regard to conflict-of-law rules. Disputes will be handled by the courts located in Montreal, Quebec, unless applicable law requires otherwise.
Contact
Questions about these terms can be sent to [email protected].
Mailing address: 410 Rue Saint Nicolas, suite 236, Montreal, QC H2Y 2P5.