Effective Date: September 23, 2025
Welcome to RateWatch Canada (“we,” “our,” “us”). By accessing or using our website https://sites.google.com/view/ratewatch-canada/home (“Site”), you agree to the following Terms of Use. If you do not agree, please do not use the Site.
1. Use of the Site
Our Site provides mortgage rate information, alerts, and free consultations. You may use the Site for personal, non-commercial purposes only and in compliance with these Terms and applicable laws.
2. Informational and Entertainment Purposes Only
All content on this Site is provided strictly for informational and entertainment purposes. It should not be considered financial, legal, investment, or professional advice. You should always consult a licensed mortgage provider or financial advisor before making financial decisions.
3. Accuracy of Information
We strive to provide accurate and current information, but we make no guarantees that the content is complete, reliable, or error-free. Mortgage rates, promotions, and offers may change without notice.
4. Third-Party Links and Referrals
We may connect you with mortgage providers or link to third-party websites. We are not responsible for the content, accuracy, or practices of those third parties. Your dealings with them are solely between you and the third party.
5. Privacy
Your use of the Site is also governed by our [Privacy Policy]. By using the Site, you consent to the collection and use of your information as described there.
6. Intellectual Property
All content on the Site, including text, graphics, logos, and design, is owned by or licensed to RateWatch Canada and is protected by copyright and trademark laws. You may not copy, reproduce, or distribute any content without our prior written permission.
7. Waiver of Liability
To the fullest extent permitted by law, RateWatch Canada, its affiliates, and its partners disclaim all liability and responsibility for any loss, damage, or injury of any kind resulting from your use of the Site or reliance on its content. Your use of this Site is at your own risk, and you agree to hold us harmless from any claims arising out of your use.
8. No Warranty Disclaimer
The Site and its content are provided “as is” and “as available” without warranties of any kind, either express or implied. We do not warrant that the Site will be error-free, uninterrupted, secure, or free of viruses or other harmful components.
9. Limitation of Damages
To the maximum extent permitted by law, RateWatch Canada’s total liability to you for any claims related to the Site will not exceed one hundred Canadian dollars (CAD $100), even if a claim is valid.
10. User Responsibility
You are solely responsible for your own actions and decisions made using the information provided on the Site. You must ensure that any products, services, or opportunities pursued through information provided on this Site meet your own requirements.
11. User Conduct
You agree not to misuse the Site. This includes, but is not limited to, attempting to gain unauthorized access, introducing viruses or harmful code, scraping or data mining, using automated systems or bots, or interfering with the operation of the Site in any way.
12. Indemnification
You agree to indemnify and hold harmless RateWatch Canada, its affiliates, and its partners from any claims, damages, liabilities, or expenses arising out of your use of the Site or your violation of these Terms.
13. Termination
We reserve the right to suspend or terminate your access to the Site at any time, without notice, if you violate these Terms or use the Site unlawfully.
14. Modification of Site
We may change, suspend, or discontinue any part of the Site at any time without notice.
15. Age Restriction
The Site is intended for users who are at least 18 years old or the age of majority in their province of residence. By using the Site, you confirm that you meet this requirement.
16. Communication Consent
By submitting your information on the Site, you consent to receive email communications from us, including rate alerts, updates, and consultation follow-ups. You can opt out at any time by following the instructions in our emails or contacting us directly.
17. Force Majeure
We are not liable for any delay, disruption, or failure in performance resulting from events beyond our reasonable control, including natural disasters, internet or utility outages, cyberattacks, strikes, or government actions.
18. Assignment
We may assign or transfer our rights and obligations under these Terms without notice. You may not assign your rights or obligations without our prior written consent.
19. Severability
If any provision of these Terms is found invalid or unenforceable, the remaining provisions will continue in full force and effect.
20. Entire Agreement
These Terms, along with our Privacy Policy, constitute the entire agreement between you and RateWatch Canada and supersede any prior understandings or agreements.
21. Changes to Terms
We may update these Terms from time to time. Your continued use of the Site after changes are posted means you accept the updated Terms.
22. Governing Law and Jurisdiction
These Terms are governed by the laws of the Province of Ontario and the laws of Canada, without regard to conflict of laws principles. You agree that any disputes must be resolved exclusively in the courts of Ontario.
23. Contact
For questions about these Terms, please contact us at admin@ratewatch.ca