Terms and Conditions
Last Updated: January 1, 2020
By using this Site, you are agreeing to be bound by these Terms and Conditions (“Terms”). These Terms are governed by the laws of the Province of Ontarioand the laws of Canada as applicable herein, without regard to any principles of conflicts of law. If you do not wish to be bound by these Terms, discontinue use of this Site. Any changes made to these Terms will posted on this page. Please note that it is your responsibility to stay abreast of any changes and updates to these Terms – to this end, we encourage you to check this page for any changes from time to time.
The information provided on this site is meant to be a starting point for users to make well-rounded and well-informed decisions about consumer rights regarding credit card rewards and benefits. However, we make no representations or warranties (express or implied) that this Site will be error-free or complete or completely accurate or current at all times or at any time. It is your responsibility to conduct further research to verify the information on this Site and ensure any actions you take meet your own personal and financial goals.
This Site exists for informational and educational purposes only, and to allow users to participate in CCRC campaigns and initiatives. All content provided on this Site is reflective of our views, and is intended for general informational purposes only. In addition, the views and opinions expressed by contributors to this Site do not necessarily reflect those of CCRC.
Everything you read on this Site is the opinion of us or our contributors only. Your use of this Site is at your own risk, and you release us from any and all liability of any kind whatsoever. By using this Site, you expressly acknowledge and agree that in no event will we or our suppliers or licensors be liable for any damages suffered by you, either directly or indirectly, as a result of the use or inability to use this Site or its contents.
We make reasonable efforts to ensure that this Site is virus-free and malware-free, but we do not and cannot guarantee that this is the case. You are responsible for the entire cost of any service, repairs or corrections necessary as a result of your use of this Site.
We have no control over the content of any linked site. This content is the sole responsibility of the owner or operator of the linked site.
All of the original content and materials made available on this Site are owned by us and/or our affiliates, and are protected by Canadian and international copyright laws, trademark, and other applicable intellectual property laws. Our content is provided for personal, non-commercial use only. Unless explicitly authorized by us, none of our content may be copied, reproduced, republished, sold, distributed, modified, uploaded, transmitted, translated or exploited, nor can derivative works be created based upon our content without our prior written consent. Any copying, reproduction, republishing, sale, distribution, modification, uploading, reverse engineering, transmission, translation or exploitation of, or creation of derivative works based upon, these materials for commercial purposes without our permission is prohibited. Only for the purpose of personal and non-commercial use, you may make one copy of extracts from this Site provided that all copyright notices are kept intact. If a dispute arises, the Canadian Copyright Act (R.S.C., 1985, c. C-42) and other legislation and common law provides recourse under Canadian law.
We cannot and do not guarantee the completeness or accuracy of the information or found on this Site. Under no circumstances shall we be liable for any direct, indirect, incidental, special or consequential damages that result from the use or downloading any content on this Site.
You agree to indemnify, defend, and hold us harmless against any and all claims, liabilities, damages, causes of action, costs and expenses, including legal fees and expenses, arising out of or related to your breach of any obligation, warranty, representation or covenant under these Terms.
This Site is targeted to users in Canada. Any disputes between us will be resolved in accordance with the laws of the Province of Ontario and applicable laws of Canada where applicable herein notwithstanding your residence or physical location. You agree to the exclusive jurisdiction of the courts of the Province of Ontario to decide and adjudicate any dispute in connection with this Site, its disclaimers or its Terms.
The products, services, and information described in this Site are available only in jurisdictions where they may be legally provided, and therefore may not be available in all regions of Canada or to residents of any other jurisdictions.
This Site is not for use by persons under the age of nineteen (19) years. Use of this Site is void where prohibited by law.
These Terms were last updated on August 9, 2018, are effective immediately, and replace any previously published terms. These Terms may be changed at any time at our discretion. Should we update these Terms, we will post the updates to this page.