Terms and Conditions

Last updated: July 2, 2025

Welcome to Dollarwise ("we," "our," or "us"). These Terms and Conditions ("Terms") govern your use of our website and services. By accessing or using Dollarwise, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by the terms and provision of this agreement. Additionally, when using this website's particular services, you shall be subject to any posted guidelines or rules applicable to such services.

2. Description of Services

Dollarwise provides financial product comparison and information services, including but not limited to:

• Credit card comparisons and reviews
• Bank account comparisons and information
• Mortgage rate comparisons and calculators
• Financial education and guidance content
• Tools and calculators for financial planning

Our services are informational only and do not constitute financial advice.

3. User Responsibilities

As a user of our services, you agree to:

• Provide accurate and complete information when requested
• Use our services only for lawful purposes
• Not attempt to gain unauthorized access to our systems
• Not use our services to transmit harmful or malicious content
• Respect the intellectual property rights of Dollarwise and third parties

4. Financial Information Disclaimer

Important: The information provided on Dollarwise is for educational and comparison purposes only. We are not licensed financial advisors, and our content should not be considered personalized financial advice.

You should:

• Verify all information with financial institutions directly
• Consult with licensed financial professionals for personal advice
• Understand that rates, terms, and offers may change without notice
• Read all terms and conditions before applying for any financial product

5. Affiliate Relationships and Compensation

Dollarwise may earn compensation when you apply for or are approved for financial products through our platform. This compensation:

• Does not affect our editorial content or recommendations
• Does not influence our comparison methodology or rankings
• Is disclosed in accordance with applicable advertising standards
• Helps us maintain our free service for users

See our Advertising Disclosure for more details.

6. Intellectual Property Rights

All content on this website, including but not limited to text, graphics, logos, images, and software, is the property of Dollarwise or its content suppliers and is protected by Canadian and international copyright laws.

You may not:

• Reproduce, distribute, or display our content without permission
• Use our trademarks or brand names without authorization
• Create derivative works based on our content
• Use automated systems to extract or scrape our data

7. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which forms part of these Terms.

By using our services, you consent to:

• The collection and use of your information as described in our Privacy Policy
• The use of cookies and tracking technologies as outlined in our Cookie Policy
• Communications from us regarding our services (with opt-out options provided)

8. Limitation of Liability

To the fullest extent permitted by law, Dollarwise shall not be liable for:

• Any indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Damages resulting from your use or inability to use our services
• Actions taken by you based on information provided on our platform
• Technical issues, system downtime, or data loss

Our total liability to you for any claims arising from your use of our services shall not exceed $100 CAD.

9. Indemnification

You agree to indemnify and hold harmless Dollarwise, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any rights of another party
• Any content you submit or transmit through our services

10. Third-Party Links and Services

Our website may contain links to third-party websites and services. We are not responsible for:

• The content or practices of linked websites
• The accuracy of information on external sites
• Any transactions you conduct with third parties
• The privacy practices of other websites

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

11. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after any changes constitutes acceptance of the new Terms.

We will make reasonable efforts to notify users of material changes through:

• Email notifications to registered users
• Prominent notices on our website
• Updates to the "Last modified" date at the top of this page

12. Termination

We may terminate or suspend your access to our services immediately, without prior notice, if you violate these Terms or for any other reason at our sole discretion.

Upon termination:

• Your right to use our services ceases immediately
• We may delete any content or data associated with your account
• Provisions that should survive termination will remain in effect

13. 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 our services shall be resolved through:

1. Good faith negotiation between the parties
2. Mediation, if negotiation fails
3. The courts of Ontario, Canada, as a last resort

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will continue to be valid and enforceable to the fullest extent permitted by law.

15. Contact Information

If you have any questions about these Terms and Conditions, please contact us:

• Email: team@dollarwise.ca
• Website: Contact Us Page