Terms of Use

Last updated: July 2026

These Terms of Use ("Terms") govern your use of canadianmoneyguide.ca (the "Site"), operated by Canadian Money Guide ("we," "us," or "our"). By accessing or using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

1. Informational Purposes Only

All content on this Site is for informational and educational purposes only. Nothing on this Site constitutes:

• Financial, investment, tax, or legal advice
• A recommendation to buy, sell, or hold any financial product
• An offer or solicitation of any kind
• A substitute for professional advice tailored to your personal circumstances

You should consult a qualified professional before making any financial, investment, or tax decisions. We do not know your personal financial situation, risk tolerance, or goals — and no article on this Site can account for them.

2. No Fiduciary Relationship

Your use of this Site does not create any fiduciary, advisory, brokerage, or agency relationship between you and Canadian Money Guide. We are a publisher of financial information, not a financial advisor, broker-dealer, or investment manager.

Canadian Money Guide is not registered as an investment advisor, financial planner, or securities dealer with any Canadian provincial securities commission or self-regulatory organization.

3. Accuracy of Information

We make every effort to ensure the information on this Site is accurate and current. However:

• Rates, fees, and product terms change. The information on this Site may not reflect the most current offers from financial institutions.
• We do not guarantee accuracy. While we verify information against primary sources before publication, we make no warranties about the completeness, reliability, or accuracy of any content on the Site.
• Verify with the provider. Always confirm rates, fees, terms, and product features directly with the financial institution before making a decision.

If you find an error, please contact us at [email protected]. We correct verified errors within 48 hours and log them publicly on our Corrections page.

4. Third-Party Links and Affiliate Relationships

The Site contains links to third-party websites, including financial institutions and service providers. These links are provided for your convenience and do not imply endorsement.

Many of these links are affiliate links. When you click an affiliate link and take a qualifying action (such as opening an account), we may receive a commission — at no additional cost to you. Our Affiliate Disclosure explains this in detail.

We are not responsible for the content, accuracy, or practices of any third-party website. Your interactions with third-party sites are governed by their own terms and privacy policies.

5. Intellectual Property

All content on this Site — including text, graphics, logos, infographics, and data compilations — is the property of Canadian Money Guide and is protected by Canadian and international copyright laws.

You may:

• Read, share, and link to our content for personal, non-commercial use
• Quote short excerpts with proper attribution and a link back to the original page

You may not:

• Reproduce, republish, or redistribute substantial portions of our content without written permission
• Scrape, data-mine, or systematically extract content from the Site
• Use our content to train AI/ML models without explicit written permission
• Present our content as your own or misrepresent its origin

6. Limitation of Liability

To the fullest extent permitted by applicable law, Canadian Money Guide, its owners, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

• Your use of or inability to use the Site
• Reliance on any information provided on the Site
• Actions taken or not taken based on Site content
• Technical issues, interruptions, or errors on the Site

This limitation applies regardless of whether the claim is based on contract, tort, negligence, strict liability, or any other legal theory — even if we have been advised of the possibility of such damages.

In plain language: We work hard to provide accurate, useful information — but personal finance involves real money and real consequences. You are responsible for your own financial decisions. Always verify before you act.

7. No Guarantees or Warranties

The Site is provided "as is" and "as available," without warranties of any kind — express or implied. We disclaim all warranties, including:

• Merchantability or fitness for a particular purpose
• Non-infringement of intellectual property
• Uninterrupted, error-free, or secure operation
• That defects or errors will be corrected

We do not warrant that the Site is free of viruses, malware, or other harmful components.

8. User Conduct

By using the Site, you agree not to:

• Use the Site for any unlawful purpose
• Attempt to gain unauthorized access to the Site or its systems
• Interfere with the proper functioning of the Site
• Submit false, misleading, or fraudulent information through contact forms or newsletter signups
• Use automated means (bots, scrapers, crawlers) in violation of our robots.txt policy

9. Changes to These Terms

We may update these Terms at any time. Changes take effect immediately upon posting. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

We encourage you to review this page periodically. The "Last updated" date at the top indicates when the current version took effect.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes arising from these Terms or your use of the Site shall be resolved exclusively in the courts of Ontario, Canada.

11. Severability

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

12. Contact

Questions about these Terms? Contact us →

Canadian Money Guide is an independent research publication. We are not a bank, credit union, licensed financial advisor, government agency, or regulatory body.