By using and Services, you are agreeing to be bound by these Terms and Conditions ("Terms"). These Terms are governed by the laws of the Province of New Brunswick and 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. At 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.

Our goal is to be the best credit card resource available anywhere for our Canadian users. The information provided on this Site is meant to be a starting point for users to make well-rounded and well-informed decisions. However, despite our best efforts to have the most complete and accurate guide on maximizing your money and optimizing your savings, 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. 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 ours.

Everything you read on this Site is the opinion of us or our contributors only. We do not provide personalized financial advice and we do not act as a financial advisor. The information on this Site is NOT intended to be a substitute for investment, tax, accounting or legal advice ‒ and you are responsible to obtain financial, tax, accounting, legal or other professional advice before acting on any information provided by us, to ensure that you’ve gathered all the information you need to determine what’s right for your specific circumstance. Given that you use the available information at this Site for free ‒ please note that this 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, its Services 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 use some hyperlinks from affiliate partners, and some hyperlinks are provided for your convenience only. These links do not necessarily imply an endorsement to their products and services. 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.

You have read our Privacy Policy, the terms of which appear on this website and are incorporated into these Terms. You agree that the terms of the Privacy Policy are reasonable. You consent to the collection, use, and disclosure of your personal information by us or our agents or representatives in accordance with, and for the purpose set forth in, the Privacy Policy.

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, re-published, 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.

When you post a comment on this Site and/or in our social media channels, you own any copyright on the text, provided that you are the owner of the material you posted. As well, when you post and submit text via email or social media, you grant to us a perpetual, unlimited and royalty-free license to re-publish in whole or in part that text on this Site and in print for marketing purposes.

Although we pride ourselves to be well-researched in every article, reviews, comparison, and rankings that we publish, we can’t guarantee the completeness or accuracy of the information, content or postings found on this Site. By using this Site and its Services, you acknowledge and agree to take full responsibility for your decisions by ensuring that you have done your research that is aligned to your specific personal and financial goals. 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. As such, before you apply for or use any products or Services mentioned in this Site, please ensure that: 1) you’ve read and understood these Terms; 2) verify and confirm that all the information presented is accurate and complete; and 3) conduct further research and obtain professional consultation as you see fit to ensure that the product or service meets your specific needs.

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 New Brunswick 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 New Brunswick 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 eighteen (18) years. Use of this Site is void where prohibited by law.

The following rules form part of the Terms, and apply to your use of the Site if you decide to take the creditcardGenius Challenge (the "Challenge"), and/or if you refer a friend through the Site (“Refer a Friend”).

  1. The Challenge is a limited-time promotion where users submit answers to questions about their current credit cards, spending habits, credit score, etc., and are then provided with a list of their top cards that are best for them (a "Top Card"). For example, a Top Card can either be one of their existing credit cards or another credit card that might have better rewards or lower annual fees than a user’s current credit card(s).
  2. If a user does not accept a Top Card as being the best credit card for them, by clicking "No" when prompted with the question “have we found your #1 credit card?”, the user will be eligible to receive a one-time payment of $5, via PayPal.
  3. Before such payment is made to a user, the user will be asked to provide written feedback stating each Top Card is not the best credit card for them, and will also be required to confirm that a Top Card is not the best credit card for them.
  4. If a user accepts a Top Card as better than a user’s current credit card, by clicking "Yes" when prompted with the question “have we found your #1 credit card?”, the user will be eligible to refer friends to complete the Challenge, with the user receiving $5, via PayPal, for each referred friend who in turn successfully completes the Challenge.
  5. Referrals can be made by providing an email address of a friend or family member of a user, or through sharing of a personalized link by a user.
  6. Referrals made through provision of an email address must only be made to individuals who are family members or friends of the user making such referrals. Users will be asked to confirm that any emails provided through the Challenge are email addresses associated with friends or family of the user.
  7. There is no limit to the number of referrals each user can make, but each user is only eligible to receive a total of $25 (for five (5) successful referrals). For example, a user who makes eight (8) referrals, and all eight (8) referred individuals successfully complete the Challenge, will be eligible for a total of $25, not $40 (8 x $5). If the same user made eight (8) referrals but only four (4) referred individuals successfully complete the Challenge, the user would be eligible for a total of $20 (4 x $5).
  8. Any user of the Site can participate in the Challenge, provided he or she is of the age of majority or a legal adult in the jurisdiction in which the individual resides and such jurisdiction does not impose any rules or conditions upon the Challenge in addition to these Terms.
  9. In our absolute discretion, we can refuse payment to any Challenge participant, or to any user for any and all successful referrals, if we determine there is any fraudulent activity associated with use of the Site, of the Challenge, or with respect to any referrals, or if in our determination a user is in any way not complying with the Terms.
  10. In our absolute discretion, and at any time, we may end or suspend the Challenge or the Site functionality that allows users to refer friends. We also reserve the right to limit the total amount of payments to be made to users as part of the Challenge or through referrals.
  11. Your participation in the Challenge requires having an active PayPal account and is subject to the rules and terms associated with your PayPal account, including PayPal’s privacy policy. We reserve the right to cancel any PayPal transfers that are not redeemed within thirty (30) days.

These Terms were last updated September 30, 2019, 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.

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