Please read these terms carefully before using our services
Last Updated: January 1, 2025
These Terms and Conditions ("Terms," "Terms and Conditions") constitute a legally binding agreement between you ("User," "you," or "your") and GIC Rates Canada ("Company," "we," "us," or "our") concerning your access to and use of the gicratescanada.com website (the "Site") and any related services, tools, calculators, and content provided by us (collectively, the "Services").
By accessing or using our Site, you agree to be bound by these Terms and all applicable laws and regulations. If you do not agree with any of these Terms, you are prohibited from using or accessing this Site. The materials contained in this Site are protected by applicable copyright and trademark law.
PLEASE READ THESE TERMS CAREFULLY BEFORE USING OUR SERVICES. BY USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS.
For the purposes of these Terms and Conditions:
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use our Site and Services for your personal, non-commercial use.
You agree not to:
When you create an account or submit information through our Site, you agree to provide accurate, current, and complete information and to update such information to keep it accurate, current, and complete. You are responsible for safeguarding any passwords or login credentials and for all activities that occur under your account.
You must immediately notify us of any unauthorized use of your account or any other breach of security. We will not be liable for any loss or damage arising from your failure to comply with these security obligations.
We reserve the right to suspend or terminate your account and access to the Services at our sole discretion, without notice, for conduct that we believe violates these Terms, is harmful to other users, us, or third parties, or for any other reason.
The information provided on our Site regarding GIC rates, investment products, and financial services is for general informational and educational purposes only. It does not constitute financial, investment, legal, or tax advice. GIC rates and product features are subject to change without notice and may vary by institution, term, and individual circumstances.
We are not a financial institution, investment advisor, broker, or registered investment advisor. The information and tools provided on our Site, including our GIC calculator, should not be relied upon as the sole basis for making financial decisions. You should consult with qualified financial, legal, and tax professionals before making any investment decisions.
When you express interest in or apply for GIC products or services through our Site, you may be connected with third-party financial institutions. Any transactions, agreements, or relationships you enter into with these third parties are solely between you and the third party. We are not a party to such transactions and are not responsible for the products, services, actions, or policies of third-party financial institutions.
While we strive to provide accurate and up-to-date information, we make no representations or warranties regarding the accuracy, reliability, completeness, or timeliness of any information on the Site. GIC rates and product details displayed on our Site may not reflect current rates or terms offered by financial institutions.
The Site and Services, including all content, features, functionality, design, graphics, logos, text, software, and other materials, are owned by GIC Rates Canada or our licensors and are protected by Canadian and international copyright, trademark, patent, trade secret, and other intellectual property laws.
The GIC Rates Canada name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of GIC Rates Canada or our affiliates or licensors. You must not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans on this Site are the trademarks of their respective owners.
By submitting, posting, or displaying content on or through our Services, you grant us a worldwide, non-exclusive, royalty-free, transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform that content in connection with providing and promoting the Services.
Your use of our Site and Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your personal information.
By using our Services, you consent to our collection and use of personal information as outlined in our Privacy Policy. You represent and warrant that any information you provide to us is accurate and that you have the right to provide such information.
THE SITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.
We do not warrant that:
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL GIC RATES CANADA, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION EXCEED THE AMOUNT YOU HAVE PAID US IN THE LAST SIX (6) MONTHS, OR, IF GREATER, ONE HUNDRED CANADIAN DOLLARS ($100 CAD).
Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.
You agree to defend, indemnify, and hold harmless GIC Rates Canada, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:
Our Site may contain links to third-party websites or services that are not owned or controlled by GIC Rates Canada. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.
When we connect you with financial institutions or partners, those institutions operate independently and are subject to their own terms, conditions, and privacy policies. We are not responsible for their actions, products, services, or any agreements you may enter into with them. You should carefully review their terms before proceeding with any transactions.
We reserve the right to modify, suspend, or discontinue the Site or Services (or any part thereof) at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Site or Services.
We may revise and update these Terms from time to time at our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the Site thereafter. Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes.
These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to its conflict of law provisions.
Any dispute, controversy, or claim arising out of or relating to these Terms or the breach, termination, or invalidity thereof shall be resolved through the following procedures:
The parties shall first attempt to resolve any dispute through informal negotiation. Either party may initiate negotiations by providing written notice to the other party describing the dispute.
If the dispute cannot be resolved through informal negotiation within 30 days, the parties agree to attempt to resolve the dispute through mediation administered by a mutually agreed-upon mediator in Toronto, Ontario.
If mediation is unsuccessful, the dispute shall be settled by binding arbitration in accordance with the Arbitration Act, 1991 (Ontario). The arbitration shall be conducted in Toronto, Ontario, in the English language, before a single arbitrator agreed upon by the parties or, failing agreement, appointed in accordance with the Arbitration Act.
You agree to submit to the personal and exclusive jurisdiction of the courts located in Toronto, Ontario, for any actions for which the parties retain the right to seek injunctive or other equitable relief.
These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and GIC Rates Canada regarding the use of the Site and Services and supersede all prior and contemporaneous agreements, proposals, or representations, written or oral.
No waiver by us of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.
If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of these Terms will continue in full force and effect.
These Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by you but may be assigned by us without restriction. Any attempted transfer or assignment by you in violation hereof shall be null and void.
We shall not be liable for any failure or delay in performance under these Terms due to causes beyond our reasonable control, including but not limited to acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.
All provisions of these Terms which by their nature should survive termination shall survive termination, including without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
These Terms are written in English. Any translated version is provided solely for your convenience. To the extent any translated version conflicts with the English version, the English version controls.
If you have any questions about these Terms, please contact us:
GIC Rates Canada
Email: legal@gicratescanada.com
BY USING OUR SITE AND SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS AND AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ACCESS OR USE THE SITE OR SERVICES.