Terms and Conditions

1. Introduction

Welcome to Compare Now ("we," "our," or "us"). By accessing and using comparenow.ca (the "Website"), you agree to be bound by these Terms and Conditions (the "Terms"). These Terms constitute a legally binding agreement between you and Compare Now regarding your use of our GIC rate comparison services and related features.

Please read these Terms carefully before using our Website. If you do not agree with any part of these Terms, you must not use our Website or services.

2. Definitions

Throughout these Terms, the following definitions apply:

• "Service" refers to the GIC rate comparison and related financial services provided through our Website
• "User," "you," or "your" refers to any individual or entity accessing or using our Website
• "Content" includes text, images, data, information, and other materials displayed on our Website
• "Financial Institutions" refers to banks, credit unions, and other organizations offering GIC products
• "GIC" means Guaranteed Investment Certificate

3. Service Description

Compare Now provides an online platform that allows users to compare GIC rates and other investment products offered by various Canadian financial institutions. Our service includes:

• Rate comparison tools and calculators
• Educational resources and guides
• Financial institution information
• Market updates and news
• Connection services to financial institutions

4. User Obligations

By using our Website, you agree to:

• Provide accurate and truthful information
• Maintain the confidentiality of your account credentials
• Use the Website in compliance with applicable laws and regulations
• Not engage in any activity that could harm or disrupt our services
• Not attempt to access restricted areas of the Website
• Not use our service for any unlawful or unauthorized purpose

5. Intellectual Property Rights

All content on the Website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is the property of Compare Now or our licensors and is protected by Canadian and international copyright laws.

Users may not:

• Modify or copy Website materials
• Use any materials for commercial purposes
• Transfer the materials to another person or entity
• Reverse engineer or decompile any software
• Remove any copyright or proprietary notations

6. Disclaimer of Warranties

The information and services provided on our Website are provided "as is" and "as available" without any warranties of any kind, either express or implied. Compare Now does not warrant that:

• The Website will be uninterrupted or error-free
• Defects will be corrected
• The Website is free of viruses or harmful components
• The information provided is complete, accurate, or current

7. Limitation of Liability

To the maximum extent permitted by law, Compare Now and its directors, employees, partners, agents, suppliers, or affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation:

• Loss of profits, data, or use
• Business interruption
• Cost of procurement of substitute goods or services
• Any investment decisions made based on the information provided

8. Data Usage and Privacy

Your use of our Website is also governed by our Privacy Policy. By using our services, you consent to the collection and use of information as detailed in our Privacy Policy.

We may use your data to:

• Improve our services and user experience
• Communicate with you about our services
• Connect you with financial institutions
• Comply with legal obligations
• Prevent fraud and abuse

9. Third-Party Links and Content

Our Website may contain links to third-party websites or services that are not owned or controlled by Compare Now. We have no control over, and assume no responsibility for:

• The content, privacy policies, or practices of third-party sites
• Any loss or damage that may arise from your use of third-party services
• The accuracy of information provided by financial institutions
• Products or services offered by third parties

10. Termination

We reserve the right to terminate or suspend access to our services immediately, without prior notice or liability, for any reason whatsoever, including but not limited to:

• Breach of these Terms
• Fraudulent or abusive behavior
• Technical or security issues
• Extended periods of inactivity

11. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Website. Your continued use of the Website following any changes indicates your acceptance of the modified Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Ontario, Canada, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Ontario.