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Terms of Use

Updated

Effective date: May 16, 2026
Last updated: May 16, 2026

Please read these Terms of Use carefully before using cardnorth.ca. By accessing or using the Site, you agree to be bound by these terms. If you do not agree to these terms, please do not use the Site.

1. Acceptance of Terms

These Terms of Use (“Terms”) govern your use of cardnorth.ca (the “Site”), operated by CardNorth (“we,” “us,” or “our”). These Terms apply to all visitors, users, and others who access or use the Site.

2. Not Financial Advice

The content published on cardnorth.ca is for informational and educational purposes only. It does not constitute financial, investment, legal, or tax advice.

CardNorth is not a licensed financial adviser, mortgage broker, insurance agent, or credit counsellor. The information on this Site is general in nature. Every person’s financial situation is unique — before making any financial decision, including applying for a credit card, you should consult a qualified financial adviser licensed in your province.

Credit card terms, rates, fees, and offers described on this Site are subject to change at any time. Always verify current terms directly with the card issuer before applying.

3. Accuracy of Information

We make reasonable efforts to ensure that information on cardnorth.ca is accurate, current, and complete. However, we do not warrant that all information is error-free. Card details — including annual fees, earn rates, welcome bonuses, interest rates, and income requirements — are sourced from issuer websites and may change without notice.

We expressly disclaim all warranties, express or implied, regarding the accuracy, completeness, currency, or reliability of any content on this Site.

4. Affiliate and Advertising Relationships

CardNorth participates in affiliate marketing programs. We may earn a commission if you click on a link to a credit card issuer’s website and subsequently apply for or are approved for a product. This compensation does not affect the price you pay for any product.

For full details on our commercial relationships, see our Advertiser Disclosure.

5. Intellectual Property

All content on cardnorth.ca — including text, graphics, logos, and the selection and arrangement of content — is the property of CardNorth or its content suppliers and is protected by Canadian copyright law.

You may:

  • Read and share individual articles for personal, non-commercial purposes, with attribution to CardNorth and a link to the original URL

You may not:

  • Reproduce, distribute, or republish substantial portions of this Site’s content without written permission
  • Scrape, crawl, or systematically download content from this Site for commercial purposes
  • Use CardNorth content to train machine learning models without a separate written licence agreement

To request permission for content use, contact [email protected].

6. User Conduct

By using this Site, you agree not to:

  • Use the Site for any unlawful purpose or in violation of any applicable laws
  • Attempt to gain unauthorised access to any portion of the Site or its related systems
  • Interfere with the Site’s operation, security, or accessibility
  • Upload or transmit any harmful, offensive, or misleading content
  • Use automated tools to scrape or harvest information from this Site for commercial purposes

cardnorth.ca contains links to external websites, including credit card issuers, banks, government agencies, and other resources. These links are provided for your convenience. CardNorth does not endorse, control, or guarantee the accuracy of content on external websites. Visiting external websites is at your own risk.

8. Limitation of Liability

To the maximum extent permitted by applicable law, CardNorth shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this Site or its content.

This includes, without limitation, damages arising from:

  • Reliance on any information published on cardnorth.ca
  • Errors, inaccuracies, or omissions in our content
  • Unauthorised access to your personal information

9. Disclaimer of Warranties

cardnorth.ca is provided on an “as is” and “as available” basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that:

  • The Site will be uninterrupted, timely, secure, or error-free
  • The results obtained from using the Site will be accurate or reliable
  • Any errors on the Site will be corrected

10. Privacy

Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

11. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to this page. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

12. Governing Law

These Terms are 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 conflict of law principles. Any disputes arising from these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts of Ontario.

13. Contact

Questions about these Terms should be directed to:

Email: [email protected]
Website: cardnorth.ca/contact/