TERMS OF USE

Last updated on June 13, 2013

RateSave Canada, an Ontario business and ratesavecanada.ca, ratesavecanada.com and the owners of the website and domain operate this Web site, and portions of other Web pages and Web content through which you have accessed these Terms of Use (collectively, the "Site"). By visiting, using and/or submitting information to the Site, you agree to be bound by the terms and conditions of these Terms of Use (this "Agreement") and RateSave Canada's Privacy Policy (the "Privacy Policy").

This Agreement contains an agreement to arbitrate all claims and disclaimers of warranties and liability.

Your Compliance with this Agreement

You acknowledge that this Agreement is supported by reasonable and valuable consideration, the receipt and adequacy of which is hereby acknowledged. Without limiting the foregoing, you acknowledge that such consideration includes, without limitation, your ability to visit, use and/or submit information to the Site.

You represent that you have the capacity to be bound by this Agreement, or if you are acting on behalf of a company or other entity, you have the authority to bind such company or entity. In order to determine your compliance with this Agreement, RateSave Canada may monitor your access and use of the Site in accordance with RateSave Canada's Privacy Policy.

The Site is Not Intended for Minors

The Site is intended to be accessed and used only by adults and is not directed to minors.

Your Access and Use of the Site

Your right to access and use the Site is personal to you and is not transferable by you to any other person or entity. You are only entitled to access and use the Site for lawful purposes and pursuant to the terms and conditions of this Agreement and the Privacy Policy.

Your access and use of the Site may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of the Site or other actions that RateSave Canada, in its sole discretion, may elect to take. RateSave Canada reserves the right to suspend or discontinue the availability of the Site and/or any portion or feature of the Site at any time in its sole discretion and without prior notice.

Any action by you that, in RateSave Canada's sole discretion: (i) violates the terms and conditions of this Agreement and/or the Privacy Policy; (ii) restricts, inhibits or prevents any access, use or enjoyment of the Site; or (iii) through the use of the Site, defames, abuses, harasses, offends or threatens, shall not be permitted, and may result in your loss of the right to access and use the Site. You shall not metatag, provide links to or frame the Site without RateSave Canada's prior express written permission.

Your Access and Use of Services on the Site

Subject to the terms of this Agreement and the Privacy Policy, RateSave Canada  may offer you various services on or through the Site (the "Services"). Below are terms and conditions governing these Services.

You Must Maintain the Integrity of Your Information.  To use certain Services, you may be required to provide RateSave Canada with information about you ("Your Information").  If you provide Your Information to RateSave Canada then you agree to provide true, current, complete and accurate information, and not to misrepresent your identity.  You also agree to keep Your Information current and to update Your Information if any of Your Information changes.  RateSave Canada's collection, use and disclosure of Your Information is governed by this Agreement and RateSave Canada's Privacy Policy.

You Are Responsible for Your Financial Decisions as this website is for information purposes only.

RateSave Canada and its affiliates, through the Site, provide a venue through which you can obtain information and you can find third-party service providers, such as financial institutions, credit card providers, mortgage brokers, insurance brokers, insurance agents, discount program representatives and other insurance professionals ("Service Providers").  RateSave Canada does not endorse or recommend the products or services of any Service Provider, and is not an agent or advisor to you or any Service Provider.  RateSave Canada does not validate or investigate the licensing, certification or other requirements and qualifications of Service Providers.  It is your responsibility to investigate Service Providers.  You acknowledge and agree that Service Providers are solely responsible for any services that they may provide to you and that RateSave Canada shall not be liable for any losses, costs, damages or claims in connection with, arising from or related to your use of a Service Provider's products or services.  RateSave Canada urges you to obtain the advice of financial advisors, insurance agents, brokers or mortgage agents and brokers other qualified professionals who are fully aware of your individual circumstances before you make any financial or insurance decisions.  You acknowledge and agree that you rely on your own judgment and that of such advisors in selecting any products or services offered by Service Providers.

You Acknowledge and Agree that RateSave Canada is Not a Service Provider.  RateSave Canada is not a financial institution, insurance provider or other Service Provider.  Instead, RateSave Canada, through the Site, may help to connect you with Service Providers that might meet your needs based on information provided by you.  RateSave Canada does not, and will not, make any coverage or credit decision with any Service Provider referred to you.  RateSave Canada does not issue mortgages, credit cards, insurance coverage or any other financial products.

No Guarantee of Quotes, Fees, Terms, Rates, Coverage or Services.  RateSave Canada does not make any warranties or representations regarding the quotes, fees, terms, rates, coverage or services offered or made available by Service Providers.  RateSave Canada does not guarantee that quotes, fees, terms, rates, coverage or services offered by Service Providers are the best available.

You Do Not Pay Fees to RateSave Canada.  Unless you are a Service Provider or order a specific service through the Site, RateSave Canada does not charge you a fee to use the Site.  Service Providers may pay RateSave Canada fees for services and to be matched with users of the Site, however.  RateSave Canada is not involved with and is not responsible for any fee arrangement that you may enter into with any Service Provider. You acknowledge and agree to this compensation arrangement. You hereby release Bankrate of any and all losses, costs, damages or claims in connection with, arising from or related to your use of a Service Provider's products or services, including any fees charged by a Service Provider.

Requests for Quotes or Offers.  The Site may give you the opportunity to request to be matched with and receive quotes or offers from Service Providers (a "Match Request").  Portions of the Site providing this opportunity (the "Match Request Areas") are only available to residents of Canada, and may not be available in all provinces.   

RateSave Canada and its affiliates make no guarantee that you will be matched with a financial professional listed or featured on our website.   

If you make a request to contact a financial professional listed in our directory or featured on our website, then you agree that any information that you provide in connection with your request may be used and disclosed as set forth in the Privacy Policy.  Without limiting anything in the Privacy Policy, you authorize Service Providers, and their affiliates and third-party service providers, to conduct all necessary research with your information, including checking your credit history, if applicable, for purposes of providing you with your request.

If you make a request, then you expressly authorize Service Providers to contact you by telephone, fax and email at the numbers and addresses provided in your request, for purposes of providing you with the quotes, products and services indicated in your request.  You consent to receive telephone calls from Service Providers, even if the phone number that you provided on your contact request is on any "Do Not Call" list. 

You are solely responsible for complying with applicable laws and regulations in connection with your use of any services offered by a Service Provider.

Fees and Payments

Access and use of the Site is free.  At any time, RateSave Canada may choose to charge fees for various premium features and services, and RateSave Canada will notify you of those charges at the time that RateSave Canada offers features and services for a fee.  RateSave Canada may, in its sole discretion, and by notifying you on the Site, change this policy and begin charging for access to the Site and other features and services, and RateSave Canada may, in its sole discretion, add, remove or change the features and services RateSave Canada offers or the fees (including the amount and type of fees) RateSave Canada charges at any time.  If RateSave Canada introduces a new service or charges a new fee, RateSave Canada will establish and notify you of the fees for that service at the launch of the service or start of charging a new fee.  If RateSave Canada notifies you of new fees or changes the fees for an existing service, then you agree to pay all fees and charges specified and all applicable taxes for your continued use of the applicable service.

Public Forums

The Site may act as a venue, through its blogs, messaging, chat rooms, bulletin boards and other forums (collectively, the "Forums"), allowing the users of the Site to contribute information and make statements ("User Generated Content").  RateSave Canada is not involved in the actual transmission of User Generated Content provided for in the Forums. As a result, RateSave Canada does not approve or endorse any User Generated Content in the Forums, and you hereby acknowledge and agree that RateSave Canada has no control over the quality, correctness, timeliness, safety, truth, accuracy or legality of any User Generated Content provided by you or any other person or entity in the Forums. You may find User Generated Content posted in the Forums by other users to be offensive, harmful, inaccurate or deceptive. Please use caution and common sense, and do not rely solely on User Generated Content published in the Forums. Without limiting the generality of the foregoing, and although RateSave Canada does not regularly review User Generated Content provided for in the Forums, RateSave Canada reserves the right, but not the obligation, to remove or edit any User Generated Content in the Forums.

Immediately report problems with the Forums to RateSave Canada at contactus@ratesavecanada.ca

Transmissions, Submissions and Postings to the Site

If you transmit, submit or post information to the Site that is not Federally trademarked and/or copyrighted, you automatically grant RateSave Canada and its affiliates and assigns the worldwide, fully-paid, royalty-free, exclusive right and license to use, copy, format, adapt, publish and/or incorporate any or all such information in any media whatsoever, including, without limitation, the Content (as defined below).  Provided that you have obtained prior written permission from RateSave Canada to transmit, submit or post information to the Site that is Federally trademarked and/or copyrighted, you automatically grant RateSave and its assigns the worldwide, fully-paid, royalty-free right to use, copy, format, adapt, publish and/or incorporate any or all such information in any media whatsoever, including, without limitation, the Content.

You shall not transmit, submit or post the following to the Site:

  • Information that infringes RateSave Canada's or any third party's copyright, patent, trademark, trade secret or other proprietary rights;
  • Information that violates any law, statute, ordinance or regulation;
  • Information that is trade libelous, unlawfully threatening, unlawfully harassing, defamatory, obscene, explicit or vulgar, or otherwise injurious to RateSave Canada or third parties or that infringes on RateSave Canada or any third party's rights of publicity or privacy;
  • Information that contains any viruses, worms, Trojan horses, trap doors, back doors, easter eggs, time bombs, cancelbots or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information;
  • Information containing or constituting chain letters, mass mailings, political campaigning, or any form of "spam";
  • Information that is false, inaccurate or misleading;
  • Commercial advertisements or solicitations without written permission from RateSave Canada; or
  • Federally Trademarked and/or Copyrighted information without written permission from RateSave Canada.

Although RateSave Canada does not regularly review your transmissions, submissions or postings, RateSave Canada reserves the right (but not the obligation) to edit, refuse to post or remove your transmissions, submissions or postings.  Pursuant to the Privacy Policy, RateSave Canada may review transmissions, submissions or postings made by you to determine, in its sole discretion, your compliance with this Agreement.

You are solely responsible for all your transmissions, submissions or postings (i.e., your own User Generated Content) and the consequences of transmitting, submitting or posting them.

RateSave Canada's Intellectual Property Rights

RateSave Canada's name, graphics, logos, page headers, button icons, scripts, and service names are trademarks or trade dress of RateSave Canada in Canada and the United States and/or other countries (collectively, the "Proprietary Marks").  You may not use the Proprietary Marks without the prior express written permission of RateSave Canada, which permission may be withheld in RateSave Canada's sole discretion. RateSave Canada makes no proprietary claim to any third-party names, trademarks or service marks appearing on the Site. Any third-party names, trademarks, and service marks are property of their respective owners.

The information, advice, data, software and content viewable on, contained in, or downloadable from the Site (collectively, the "Content"), including, without limitation, all text, graphics, charts, pictures, photographs, images, line art, icons and renditions, are copyrighted by, or otherwise licensed to, RateSave Canada or its Content suppliers.  RateSave Canada also owns a copyright of a collective work in the selection, coordination, arrangement, presentation, display and enhancement of the Content (the "Collective Work"). All software used on the Site (the "Software") is the property of RateSave Canada or its software vendors and is protected by Canadian and international copyright laws.  Viewing, reading, printing, downloading or otherwise using the Content and/or the Collective Work does not entitle you to any ownership or intellectual property rights to the Content, the Collective Work or the Software.

You shall be solely responsible for any damage resulting from your infringement of RateSave Canada or any third party's intellectual property rights regarding the Trademarks, the Content, the Collective Work, the Software and/or any other harm incurred by RateSave Canada or its affiliates as a direct or indirect result of your copying, distributing, redistributing, transmitting, publishing or using the same for purposes that are contrary to the terms and conditions of this Agreement.

Your Use of the Content

RateSave Canada grants you a limited license to access, print, download or otherwise make personal use of the Content and the Collective Work in the form of: (i) one machine-readable copy; (ii) one backup copy; and (iii) one print copy, for your non-commercial use; provided, however, that you shall not delete any proprietary notices or materials with regard to the foregoing manifestations of the Content and the Collective Work. You may not modify the Content or the Collective Work or utilize them for any commercial purpose or any other public display, performance, sale, or rental, decompile, reverse engineer, or disassemble the Content and the Collective Work, or transfer the Content or the Collective Work to another person or entity.  

Except as otherwise permitted under the copyright laws of Canada, no other copying, distribution, redistribution, transmission, publication or use, other than the non-commercial use of the Content and the Collective Work as permitted by this Agreement, is permitted by you without the express prior written permission of RateSave Canada, which permission may be withheld in RateSave Canada's sole discretion.

You may not use any meta tags or any other "hidden text" utilizing RateSave Canada's name or trademarks without the express written permission of RateSave, which permission may be withheld in RateSave Canada's sole discretion.

Access and Interference

The Site contains robot exclusion headers.  You agree that you will not use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Site or any portion of the Site or for any other purpose, without RateSave Canada express written permission which may be withheld in RateSave Canada's sole discretion. 

You shall not use any communication systems provided on the Site (such as Forums or email) for any commercial or solicitation purposes.  You shall not solicit for commercial purposes any users of the Site without RateSave's express, written permission, which permission may be withheld in RateSave Canada's sole discretion.

Electronic Communications

When you visit the Site or send email to RateSave, you are communicating with RateSave electronically.  You consent to receive communications from RateSave electronically.  Although RateSave may choose to communicate with you by regular mail, RateSave may also choose to communicate with you by e-mail or by posting notices on the Site.  You agree that all agreements, notices, disclosures and other communications that Bankrate provides to you electronically satisfy any legal requirement that such communications be in writing.

Your Responsibility for Equipment and Related Costs

You are responsible for obtaining and maintaining all telephone, computer hardware, Internet access services and other equipment or services needed to access and use the Site, and all costs and fees associated with Internet access or long distance charges incurred with regard to your access and use of the Site.

Third Party Links

There may be provided on the Site links to other Web sites belonging to RateSave Canada's advertisers, business partners, affiliates, Service Providers and other third parties.  Such links do not constitute an endorsement by RateSave Canada of those Web sites, nor the products or services listed on those Web sites.  RateSave Canada is not responsible for the activities or policies of those Web sites.  RateSave Canada does not endorse or recommend the products of any particular advertiser, business partner, affiliate or other third party.  RateSave Canada does not guarantee that the terms or rates offered by any particular advertiser, business partner, affiliate, Service Provider or other third party on the Site are the best terms or lowest rates available in the market.

Mobile Devices

If RateSave Canada provides aspects of the Site via an application for your mobile or other device, please be aware that your carrier's normal rates and fees may apply and that the terms of this Agreement and other agreements within the application apply to your use of such mobile application.

RateSave Canada Makes No Representations or Warranties Regarding the Content

The Content and all services and products associated with The Site are provided to you on an "as-is" and "available" basis.  RateSave Canada makes no representations or warranties of any kind, express or implied, as to the operation of The Site or the information, content, materials, products or services included on or associated with The Site.  You expressly agree that your use of The Site and all products and services included on or associated with The Site is at your sole risk.

RateSave Canada does not make any representations, warranties or guarantees, express or implied, regarding the accuracy, correctness, or completeness of the Content or the services and products associated with The Site, nor the safety, reliability, title, timeliness, completeness, merchantability, conformity or fitness for a particular purpose of the Content or the services and products associated with The Site. It is your sole responsibility to independently evaluate the accuracy, correctness or completeness of the Content and the services and products associated with The Site.  RateSave Canada makes no representation, warranty or guarantee that the Content that may be available for downloading from The Site is free of infection from any viruses, worms, Trojan horses, trap doors, back doors, easter eggs, time bombs, cancelbots or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information.  RateSave Canada does not make any representations, warranties or guarantees, express or implied, regarding any quotes OR OFFERS provided on or through the site.

WITHOUT LIMITING THE FOREGOING, YOU ACKNOWLEDGE AND AGREE THAT RATESAVE CANADA, RATESAVECANADA.CA, RATESAVECANADA.COM AND ITS OWNERS ARE NOT A FINANCIAL INSTITUTION, INSURANCE PROVIDER, CREDIT CARD PROVIDER OR OTHER SERVICE PROVIDER.  YOU ACKNOWLEDGE AND AGREE THAT RATESAVE CANADA IS SOLELY AN INTERMEDIARY BETWEEN YOU AND SUCH SERVICE PROVIDERS AND, THEREFORE, RATESAVE EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY FOR ANY CONTENT, PRODUCTS OR SERVICES PROVIDED BY SUCH SERVICE PROVIDERS.

The Content is intended only to assist you with financial decisions and is broad in scope and does not consider your personal financial situation. Your personal financial situation is unique and the information and advice may not be appropriate for your situation.  Accordingly, before making any final decisions or implementing any financial strategy, RateSave Canada recommends that you obtain additional information and advice of your accountant and other financial advisors who are fully aware of your individual circumstances.

The Site is controlled and offered by RateSave Canada from RateSave's facilities in Canada.  RateSave Canada makes no representations that the Site is appropriate or available for use in other jurisdictions.  If you access or use the Site from other jurisdictions, then you do so by your own volition and are solely responsible for compliance with local law.

Limitations on RateSave Canada's Liability

RateSave Canada shall in no event be responsible to, or liable to, you, or any third party, whether in contract, warranty, tort (including negligence) or otherwise, for any damages, including, but not limited to, special, incidental, indirect or consequential damages that include, but are not limited to, damages for any loss of profit, revenue or business, as a direct or indirect result of: (i) your breach or violation of the terms and conditions of this Agreement; (ii) your access and use of The Site; (iii) your DELAY IN ACCESSING OR inability to access or use The Site for any reason; (iv) your downloading of any of the Content or the Collective Work for your use; (v) your reliance upon or use of the Content or the Collective Work, OR (VI) ANY INFORMATION, SOFTWARE, PRODUCTS OR SERVICES OBTAINED THROUGH The Site, OR OTHERWISE ARISING OUT OF THE USE OF The Site, WHETHER RESULTING IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTUOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF BANKRATE AND/OR ITS SUPPLIERS HAD BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.  BANKRATE'S LIABILITY AND THE LIABILITY OF ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, INDEPENDENT CONTRACTORS, SHAREHOLDERS, REPRESENTATIVES, AND AGENTS ARISING OUT OF THIS AGREEMENT SHALL NOT EXCEED $100.

YOU SPECIFICALLY ACKNOWLEDGE THAT RATESAVE CANADA SHALL NOT BE LIABLE FOR USER GENERATED CONTENT OR THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY THIRD PARTY, AND THAT THE RISK OF HARM OR DAMAGE FROM SUCH USER GENERATED CONTENT AND THIRD-PARTY CONDUCT RESTS ENTIRELY WITH YOU.

YOU AND RATESAVE CANADA AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE SITE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES.  OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.

Certain federal and provincial laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages.  If these laws apply to you, some or all of the above disclaimers, exclusions or limitations may not apply to you.

Your Indemnification of RateSave Canada

You shall defend, indemnify and hold harmless RateSave Canada, its owners, and its officers, directors, shareholders, employees, independent contractors, agents, representatives and affiliates from and against all claims and expenses, including, but not limited to, attorneys' fees, arising out of, or attributable to: (i) any breach or violation of this Agreement by you; (ii) your failure to provide accurate, complete and current personally identifiable information requested or required by RateSave Canada; (iii) your access or use of the Site; (iv) access or use of the Site under any password that may be issued to you; (v) your transmissions, submissions or postings (i.e., your own User Generated Content); and/or (vi) any personal injury or property damage caused by you.

Amendments of this Agreement

RateSave Canada reserves the right to update, amend and/or change this Agreement at any time in its sole discretion and without notice. Updates to this Agreement will be posted here. Amendments will take effect immediately upon RateSave Canada posting the updated Agreement on the Site.  You are encouraged to revisit this Agreement from time to time in order to review any changes that have been made. The date on which this Agreement was last updated will be noted immediately above this Agreement.  Your continued access and use of the Site following the posting of any such changes shall automatically be deemed your acceptance of all changes.

All covenants, agreements, representations and warranties made in this Agreement, as may be amended by RateSave Canada from time to time, shall survive your acceptance of this Agreement and the termination of this Agreement.

This Agreement and the Privacy Policy represent the entire understanding and agreement between you and RateSave Canada regarding the subject matter of the same, and supersede all other previous agreements, understandings and/or representations regarding the same.

If you have questions, comments, concerns or feedback regarding this Agreement or the Site, please contact RateSave Canada via email: contactus@ratesavecanada.ca


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