GICRateCompare.com displays Guaranteed Investment Certificate ("GIC") rates and related product information for general informational and comparison purposes only. Please review this disclaimer carefully before relying on any information shown on the Website.
1. Rates subject to change
All rates displayed are subject to change at any time without notice. Rates may be withdrawn, adjusted, or discontinued by the issuing financial institution at their sole discretion. Rates shown are not guaranteed to be available at the time you submit an inquiry or complete an application.
2. Verify before proceeding
You must independently verify any rate, term, feature, deposit protection detail, and eligibility requirement directly with the issuing financial institution before making any deposit or investment decision. GICRateCompare.com does not guarantee the accuracy, completeness, or timeliness of any rate or product information displayed.
3. Availability and eligibility
Availability of any GIC product depends on the issuer's criteria, including but not limited to province of residence, account type (registered vs. non-registered), deposit amount, term length, and account status. Certain rates may be available only through specific channels (e.g., broker-only, member-only, or new-money offers).
4. Deposit protection
Deposit insurance and protection vary by institution, account type, and jurisdiction. Federally regulated banks and loan/trust companies are typically covered by the Canada Deposit Insurance Corporation (CDIC) within eligible limits. Credit unions are typically covered by provincial deposit-insurance corporations, and coverage rules and limits differ by province. You should confirm the applicable coverage with the issuing institution before depositing funds.
5. Not financial advice
Information on the Website is not, and should not be construed as, personal financial, tax, legal, or investment advice. GICRateCompare.com is not a licensed dealer, adviser, or deposit-taking institution. You should consult a qualified professional before making any financial decision.
6. No guarantee of approval or access
Submitting an inquiry through the Website does not guarantee access to any specific rate, product, or provider, nor does it constitute an application or approval. Providers may require additional information, identity verification, and eligibility checks.
7. Compensation disclosure
GICRateCompare.com may receive compensation from certain financial institutions or licensed representatives when an inquiry results in a completed placement. Compensation arrangements do not influence the ordering or display of rates, which are presented based on term, account type, and other filter criteria you select.
8. Historical or illustrative data
Any calculator or scenario shown on the Website uses hypothetical figures for illustration only. Actual returns will depend on the specific product terms, compounding method, and applicable taxes.
9. Questions
Rate accuracy questions can be sent to rates@gicratecompare.com.