These Terms of Use ("Terms") govern your access to and use of GICRateCompare.com (the "Website"). By using the Website, you agree to be bound by these Terms. If you do not agree, do not use the Website.
1. Informational purpose only
The Website provides general information about Guaranteed Investment Certificates ("GICs") available in Canada. The information is provided for educational and comparison purposes only and does not constitute financial, tax, legal, or investment advice. You should consult a qualified professional before making any financial decision.
2. No offer or solicitation
Nothing on the Website constitutes an offer, solicitation, or recommendation to buy or sell any financial product. Availability of any GIC product depends on the issuing institution's criteria, which may change without notice.
3. Accuracy of information
We strive to keep rate information accurate and current, but rates are subject to change at any time without notice. Rates displayed may not reflect real-time offers and must be verified directly with the issuing institution before proceeding. We make no representation or warranty of any kind regarding the accuracy, completeness, or timeliness of any information on the Website.
4. User submissions
Information you submit through inquiry forms must be truthful, accurate, and your own. You authorize us to contact you regarding your inquiry and to share your submission with licensed representatives who may be able to assist. You must be at least 18 years old and a Canadian resident to submit an inquiry.
5. Prohibited conduct
- Using the Website for unlawful, fraudulent, or misleading purposes;
- Attempting to interfere with, disable, or bypass any security or verification features;
- Scraping, harvesting, or systematically collecting content without our written permission;
- Submitting inquiries on behalf of another person without their consent.
6. Intellectual property
All content on the Website — including text, design, logos, and code — is owned by or licensed to the operator of GICRateCompare.com and is protected by Canadian and international intellectual-property laws. You may not reproduce or redistribute content without prior written permission.
7. Third-party links
The Website may link to third-party websites operated by financial institutions or service providers. We do not endorse and are not responsible for the content, products, or practices of those websites. Your use of a third-party site is governed by that site's terms.
8. Disclaimer of warranties
The Website and all information on it are provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, or non-infringement.
9. Limitation of liability
To the maximum extent permitted by law, GICRateCompare.com, its operators, and its service providers are not liable for any direct, indirect, incidental, consequential, or special damages arising from your use of, or inability to use, the Website — including but not limited to financial losses resulting from reliance on any rate or information displayed.
10. Indemnification
You agree to indemnify and hold harmless GICRateCompare.com and its operators from any claim, loss, or expense arising from your breach of these Terms or misuse of the Website.
11. Governing law
These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-law rules. You submit to the exclusive jurisdiction of the courts located in Ontario, Canada for any dispute.
12. Changes
We may update these Terms at any time. Continued use of the Website after changes constitutes acceptance of the updated Terms.
13. Contact
Questions about these Terms may be sent to legal@gicratecompare.com.