Terms of Use

Agreement to Terms

By accessing or using WhatIsCredit.ca (the "Website"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use our Website.

These Terms constitute a legally binding agreement between you and WhatIsCredit.ca governing your access to and use of the Website, including any content, functionality, and services offered.

Educational Purpose Only

WhatIsCredit.ca provides general educational information about personal finance, credit, and related topics. Our content is intended for informational purposes only and should not be construed as:

• Professional financial advice
• Legal advice
• Tax advice
• Investment recommendations
• Credit counselling

For personalized guidance, we strongly recommend consulting with qualified professionals such as financial advisors, accountants, or lawyers who can consider your specific circumstances.

Calculator and Tool Accuracy

Our calculators and tools provide estimates based on the information you input and general assumptions. Results are for illustrative purposes only. Actual results may vary based on:

• Current interest rates and market conditions
• Individual lender policies and criteria
• Your personal financial situation
• Provincial and federal tax laws
• Changes in regulations

We strive to keep our calculators accurate and up-to-date, but we cannot guarantee their accuracy at all times. Always verify important calculations with qualified professionals.

Intellectual Property

The Website and its entire contents, features, and functionality (including but not limited to all information, text, graphics, logos, icons, images, and software) are owned by WhatIsCredit.ca and are protected by Canadian and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website without our prior written consent, except for personal, non-commercial use.

User Conduct

When using our Website, you agree not to:

• Use the Website for any unlawful purpose
• Attempt to gain unauthorized access to any part of the Website
• Interfere with or disrupt the Website or its servers
• Use automated systems to access the Website without permission
• Transmit viruses, malware, or other harmful code
• Collect or harvest user information without consent
• Impersonate any person or entity

Affiliate Relationships

We have no paid partnerships today. If that changes, we'll say so on every affiliated page. When you click on links to third-party products and services, you may be directed to external websites governed by their own terms and conditions.

Our affiliate relationships do not influence the accuracy or objectivity of our educational content. For more information, see our "How We Make Money" page.

Third-Party Links

Our Website may contain links to third-party websites or services not owned or controlled by WhatIsCredit.ca. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites.

We encourage you to review the terms and privacy policies of any third-party websites you visit.

Limitation of Liability

To the fullest extent permitted by Canadian law, WhatIsCredit.ca, its owners, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from:

• Your use or inability to use the Website
• Any errors or omissions in our content
• Unauthorized access to your data
• Any third-party conduct on the Website
• Actions taken based on our educational content

Disclaimer of Warranties

The Website is provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied. We do not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components.

Indemnification

You agree to defend, indemnify, and hold harmless WhatIsCredit.ca and its owners, employees, and affiliates from any claims, damages, obligations, losses, liabilities, costs, or expenses arising from your use of the Website or violation of these Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of Canada and the applicable province, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved in the courts of the applicable Canadian jurisdiction.

Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website after changes are posted constitutes acceptance of the modified Terms.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

Contact Us

If you have questions about these Terms of Use, please contact us at: