Terms and Conditions

Last Updated: July 1, 2025

Welcome to Canadian Returns. These terms and conditions outline the rules and regulations for the use of our website, located at canadian-returns.com.

By accessing this website, we assume you accept these terms and conditions. Do not continue to use Canadian Returns if you do not agree to take all of the terms and conditions stated on this page.

1. Definitions

For the purposes of these Terms and Conditions:

  • "Company," "We," "Us," or "Our" refers to Canadian Returns.
  • "Website" refers to Canadian Returns, accessible from canadian-returns.com.
  • "Service" refers to the financial comparison services we provide.
  • "User," "You," and "Your" refers to the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
  • "Content" refers to information, data, text, software, music, sound, photographs, videos, graphics, messages or other materials.

2. Use License

Permission is granted to temporarily download one copy of the materials on Canadian Returns' website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

  • Modify or copy the materials;
  • Use the materials for any commercial purpose or for any public display;
  • Attempt to reverse engineer any software contained on Canadian Returns' website;
  • Remove any copyright or other proprietary notations from the materials; or
  • Transfer the materials to another person or "mirror" the materials on any other server.

3. Disclaimer

The materials on Canadian Returns' website are provided 'as is'. Canadian Returns makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Canadian Returns does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this website.

4. Limitations

In no event shall Canadian Returns or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Canadian Returns' website, even if Canadian Returns or a Canadian Returns authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. Accuracy of Materials

The materials appearing on Canadian Returns' website could include technical, typographical, or photographic errors. Canadian Returns does not warrant that any of the materials on its website are accurate, complete, or current. Canadian Returns may make changes to the materials contained on its website at any time without notice. However, Canadian Returns does not make any commitment to update the materials.

6. Financial Information Disclaimer

The rate comparisons, financial information, and other content displayed on our website are for informational purposes only. While we strive to provide accurate and up-to-date information, we cannot guarantee the accuracy, completeness, or timeliness of such information. Financial institutions may change their rates and terms at any time without notice.

The information provided on this website does not constitute financial advice. Users should always verify current rates, terms, and conditions directly with the financial institution before making any investment decisions. We strongly recommend consulting with a qualified financial advisor before making any investment decisions.

7. Links

Canadian Returns has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Canadian Returns of the site. Use of any such linked website is at the user's own risk.

8. Modifications

Canadian Returns may revise these terms of service for its website at any time without notice. By using this website, you are agreeing to be bound by the then current version of these terms of service.

9. User Accounts

When you create an account with us, you guarantee that the information you provide us is accurate, complete, and current at all times. Inaccurate, incomplete, or obsolete information may result in the immediate termination of your account on the Service.

You are responsible for maintaining the confidentiality of your account and password, including but not limited to the restriction of access to your computer and/or account. You agree to accept responsibility for any and all activities or actions that occur under your account and/or password, whether your password is with our Service or a third-party service. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

10. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of Canada and you irrevocably submit to the exclusive jurisdiction of the courts in the Province of Ontario.

11. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

12. Contact Us

If you have any questions about these Terms and Conditions, please contact us:

Canadian Returns
123 Financial Street
Toronto, ON M5V 3L9
Canada
Email: legal@canadian-returns.com
Phone: +1 (705) 410-0395