My Rate Compass
 

Terms Of Service


Welcome to myratecompass.ca (the “Website”), a website belonging to Rate Compass Inc, with a registered address at 1 Yonge St #1801, Toronto, ON M5E 1W7.  By using the Website, you are confirming that you have read, understood, and agree to be bound by this Agreement and all applicable laws and regulations governing the Website and the Services.  If you do not agree to be bound by this Agreement, do not visit or use the Website.

As used in this Agreement, “www.myratecompass.ca ", "we," "us," and "our" shall mean Company and its subsidiaries and affiliates. By accessing or using the services available through our Website (the "Services"), you agree to be bound by these Terms and Conditions and our Privacy Policy currently found at https://myratecompass.ca/privacy-policy  and incorporated herein by reference (collectively, the “Agreement”). This Agreement does not alter in any way the terms or conditions of any other agreement you may have with Company for products, services or otherwise.

 

We may, at our sole discretion, modify or revise the terms of this Agreement at any time by giving notice on our Website and/or through the Services, and you agree to be bound by such modifications or revisions. Although Company may attempt to notify you, when major changes are made to this Agreement, you should periodically click on our Terms and Conditions to review any updates. All changes shall be effective immediately when we post them and shall apply to all access to and use of our Website thereafter. Nothing in this Agreement shall be deemed to confer any third-party rights or benefits hereunder. 

Company may review and delete any User Content that, in its sole judgment, that violates this Agreement, applicable law, rule or regulation, is offensive or illegal or violates the rights, harms or threatens the safety of Users of Company’s. The Company reserves the right to expel Users and prevent their further access to Company for violating this Agreement or applicable law, rule or regulation and the right to remove User Content which is in violation of this Agreement, abusive, illegal, or disruptive.

Company’s website is for informational purposes only and does not constitute a complete description of our investment services or performance. Information throughout this site, whether credit card service quotes, charts, articles, or any other statement or statements regarding market or other financial information, is obtained from sources which we believe reliable, but we do not warrant or guarantee the timeliness or accuracy of this information. Nothing on this website should be interpreted to imply that past results are an indication of future performance. We shall be not be liable for any errors or inaccuracies, regardless of cause, or the lack of timeliness of, or for any delay or interruption in the transmission thereof to the user. There are no warranties, expressed or implied, as to accuracy, completeness, or results obtained from any information posted on this or any "linked" website. The services described on this site are available only in jurisdictions where they may be lawfully offered for sale

Restriction on Visitors

By visiting the Website, you represent and warrant that you are an individual over 18 years of age and have the capacity to enter a contract, or that you are a company being represented by an agent who is authorized to bind you.

Ambit of Service

All care is taken to collect the reliable information and present it correctly. However, we make no representation of its usefulness or completeness or accuracy. The information supplied to you via this site is for your personal use and is only intended to help you in making informed financial decisions. As we do not offer services of a certified financial planner, it is recommended that for arriving at financial decisions help of different financial advisors should be sought without relying exclusively on any of the advice given. Therefore, exclusive reliance on the information or advice supplied by us is not advised. Any reliance by you on any information or advice will be at your own risk.

You understand and agree that notwithstanding the foregoing, Company shall not be liable for any loss or damage resulting from Company’s reliance on any instruction, notice, document or communication reasonably believed by Company to be genuine and originating from an authorized representative of Customer's corporate entity. In order to permit Company to protect the quality of its products and services, you hereby consent to Company staff being able to access your account and records on a case by case basis to investigate complaints or other allegations.

Members will not use the Services if any applicable law in their country prohibits them from doing so and or have not previously been their right to use the Services suspended or terminated. Furthermore, the Website and Content available through the Website may contain links to third party Website ("Third Party Websites"). If you link to Third Party Websites, you may be subject to those Websites' terms and conditions and policies. Your linking to any other Website is completely at your own risk and Company disclaims all liability thereto. Any and all contents and services (including advertising)
that are not owned by Company are "third party content and services." Company acts merely as an intermediary service provider of, and accepts no responsibility or liability for third party content and services. Those Websites may collect data or solicit personal information from you, as the Company does not control such Websites it is not responsible for their policies, content or use of any information, such Websites may collect.   

Credit Cards Search Available On Our Platform

We provide an independent free credit card comparison online service which enables you to research and compare credit cards provided by issuers. We may receive compensation from participating credit card issuers when we introduce them to you. The results of our credit card comparison tool and reviews are based on quantitative and qualitative assessments of product features and benefits.

Not an Application

This site offers a passive platform without actively and directly engaging in any transaction between you and the third party. This platform does not make any promise or offer to provide a specific credit card or that any participating credit card issuer will offer you a credit card on specific terms or for any specific purpose. In the event that you contact a credit card issuer listed on the site and submit a credit card application, your information remains between you and the credit card issuer. This Website shall not be responsible or liable for any materials displayed, purchased or obtained via our platform.  
 
Electronic Communications 

When you send an e-mail or chat electronically with Company you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail. You agree that all agreements, notices, disclosures and other communications that Company provided to you electronically satisfy legal requirements that such communications be in writing. 

Use Of The Services 

Except as otherwise agreed, we hereby grant you a limited, nonexclusive, non-sub-licensable license to access, and use the Platform and is conditioned with the compliance with these Terms. You will not use, copy, adapt, modify, decompile, reverse engineer, disassemble, decrypt, attempt to derive the source code, prepare derivative works based upon, distribute, license, sell, rent, transfer, publicly display, publicly perform, transmit, stream, broadcast or otherwise exploit the Platform and Content, except as expressly permitted by Company or as permitted under applicable law. Any unauthorized use of the Services is strictly prohibited and will terminate the license granted in these Terms. No licenses or rights are granted to you by implication or otherwise, except the licenses and rights expressly granted to you. 

Company will not be liable for account of any inaccuracy of information on this Website. It is the responsibility of the visitor to further research the information on the Website. The user undertakes not to duplicate, download, publish, modify or distribute any material of Company unless specifically authorized by Company in this regard.

You acknowledge and agree not to upload, post, transmit, publish, or distribute any material or information that is unlawful, or which may potentially be perceived as being harmful, threatening, libelous, ethnically, or otherwise objectionable. You acknowledge and agree that you are solely responsible for your own Content posted on, transmitted through, or linked from the Service and the consequences of posting, filling in, transmitting, linking or publishing it. More specifically, you are solely responsible for all Content that you upload or otherwise make available via the Service. In connection with such Content posted on, transmitted through, or linked from the Service by you, you affirm, acknowledge, represent, warrant and covenant that: (i) you own or have the necessary licenses, rights, consents, and permissions to use such Content on the Service and Website. 

You agree to release Company, its parent company, partners, contractors and affiliates together with their respective employees, agents, officers, directors and shareholders, from any and all liability and obligations whatsoever in connection with, or arising from, your use of  our Services. If at any time you are not happy with the Website or the Services or object to any Content, your sole remedy is to cease using them.

Proper Use

As a condition to your use of the Website, you agree:

  • To accurately identify yourself to us, not to impersonate another person or organization, and not to misrepresent your affiliation with any organization;
  • To use the Website solely for personal use;
  • To follow all of the guidelines as published on the Website;
  • Not to attempt to collect other visitors’ personal information; and
  • Not to use the Website to send us or visitors any material;

To use the Services for lawful and authorized purposes only.  You must not violate any laws in your country or province of residence, Canada, or the Province of Ontario through your use of the Services.

Indemnification

You agree to indemnify, defend, and hold harmless the Company, its affiliates, officers, directors, employees, consultants, contractors, agents, and suppliers from any and all third party claims, liability, damages and/or costs (including, but not limited to, attorneys fees as and when incurred) arising from your use of the Services, your use of the Website, your violation of this Agreement or the infringement or violation by you or anyone acting on your behalf, of any intellectual property relating to the Service or other right of any person or entity. 

You are solely responsible for your actions when using the Website.

 

Ownership and Intellectual Property Rights

The Website and all content forming part of the Website, including without limitation, all photographs, ideas, images, designs, information, interfaces, text, graphics, brand names, logos and trademarks (together the “Content”), are protected by copyright, trade mark and other intellectual property laws of Canada. 

You acknowledge and agree that Company owns, controls or is licensed all legal rights, titles and interest in the Website, including all intellectual property rights. All Content posted on the Website remains the valuable intellectual property of its owner(s) and you agree to abide by all copyright notices, information and restrictions contained in or displayed with any Content.  You acknowledge that you do not acquire any rights in Content by accessing it.  You may only use the Website in accordance with the “Proper Use” Section below, and for the sake of clarity, you may not:

  • modify or copy the idea of trade, layout or appearance of the Website or any computer software or code contained in the Website;
  • display portions of the Website in a manner to suggest an affiliation with Company; and/or
  • decompile or disassemble, reverse engineer or otherwise attempt to discover or access any source code related to the Website.

If you believe that anything on or available through the Services infringes upon any copyright which you own or control, you may contact us at [email protected].

Limitation of Liability

“COMPANY” DOES NOT GUARANTEE THE CUSTOMER SATISFACTION AND RELIABILITY OF THE INFORMATION AND SHALL NOT BE LIABLE FOR INFORMATION EXPRESSED HEREIN.

a.Applicable to non-Quebec residents: TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, UNDER NO CIRCUMSTANCES, INCLUDING WITHOUT LIMITATION, NEGLIGENCE, GROSS NEGLIGENCE, NEGLIGENT MISREPRESENTATION AND FUNDAMENTAL BREACH, SHALL THE COMPANY BE LIABLE TO YOU OR ANY THIRD PARTY FOR:

    1. ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, ECONOMIC OR PUNITIVE DAMAGES (INCLUDING LOSS OF PROFIT OR REVENUE, FINANCIAL LOSS, LOSS OF BUSINESS OPPORTUNITIES, LOSS, DESTRUCTION, INTERCEPTION, MISDELIVERY OR ALTERATION OF DATA, FILES, SOFTWARE OR OTHER INFORMATION, BREACH OF PRIVACY OR SECURITY, PROPERTY DAMAGE, PERSONAL INJURY, DEATH OR ANY OTHER FORESEEABLE OR UNFORESEEABLE LOSS, HOWEVER CAUSED) OR ANY LOSS THAT RESULTS FROM THE SERVICES OR WEBSITE, THE USE OF, OR THE INABILITY TO USE, THE SERVICES OR THE WEBSITE, INFORMATION, MATERIAL, OR POSTINGS ON THE WEBSITE, DIRECTLY OR INDIRECTLY, OR THE TRANSMISSION OF CONFIDENTIAL OR SENSITIVE INFORMATION OVER THE INTERNET. THESE LIMITATIONS APPLY REGARDLESS OF WHETHER THE PARTY LIABLE OR ALLEGEDLY LIABLE WAS ADVISED, HAD OTHER REASON TO KNOW, OR IN FACT KNEW OF THE POSSIBILITY OF DAMAGES. YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT THE COMPANY SHALL NOT BE LIABLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER, INCLUDING YOU; AND
    2. ANY LOSSES, CLAIMS, DAMAGES, EXPENSES, LIABILITIES OR COSTS (INCLUDING, WITHOUT LIMITATION, REASONABLE LEGAL FEES AND OTHER LITIGATION EXPENSES) RESULTING DIRECTLY OR INDIRECTLY OUT OF, OR OTHERWISE ARISING IN CONNECTION WITH, ANY CLAIM THAT THE USE OR INTENDED USE OF THE WEBSITE OR SERVICES INFRINGES THE COPYRIGHT, PATENT, TRADEMARK, TRADE SECRET, CONFIDENTIALITY, PRIVACY, OR OTHER INDUSTRIAL OR INTELLECTUAL PROPERTY RIGHTS OR CONTRACTUAL RIGHTS OF ANY THIRD PARTY. THESE LIMITS APPLY TO ANY ACT OR OMISSION OF THE COMPANY, WHETHER OR NOT THOSE ACTS OR OMISSIONS WOULD OTHERWISE GIVE RISE TO CLAIMS OR CAUSES OF ACTION IN CONTRACT, TORT, PURSUANT TO STATUTE OR PURSUANT TO ANY OTHER DOCTRINE OF LAW.
b.Applicable only to residents of Quebec: EXCEPT FOR DAMAGES RESULTING FROM THE COMAPNY’S OWN ACT, THE COMPANY WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR:
    1. ANY DAMAGES (INCLUDING LOSS OF PROFIT OR REVENUE, FINANCIAL LOSS, LOSS OF BUSINESS OPPORTUNITIES, LOSS, DESTRUCTION, INTERCEPTION, MISDELIVERY OR ALTERATION OF DATA, FILES, SOFTWARE OR OTHER INFORMATION, BREACH OF PRIVACY OR SECURITY OR PROPERTY DAMAGE) OR ANY LOSS THAT RESULTS FROM THE WEBSITE, THE SERVICES, THE USE OF, OR THE INABILITY TO USE, THE WEBSITE, THE SERVICES, INFORMATION, MATERIAL, OR POSTINGS ON THE WEBSITE, DIRECTLY OR INDIRECTLY, OR THE TRANSMISSION OF CONFIDENTIAL OR SENSITIVE INFORMATION OVER THE INTERNET. YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THE COMPANY SHALL NOT BE LIABLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER, INCLUDING YOU; AND
    2. ANY LOSSES, CLAIMS, DAMAGES, EXPENSES, LIABILITIES OR COSTS (INCLUDING, WITHOUT LIMITATION, REASONABLE LEGAL FEES AND OTHER LITIGATION EXPENSES) RESULTING DIRECTLY OR INDIRECTLY OUT OF, OR OTHERWISE ARISING IN CONNECTION WITH, ANY CLAIM THAT THE USE OR INTENDED USE OF THE WEBSITE OR SERVICES INFRINGES THE COPYRIGHT, PATENT, TRADEMARK, TRADE SECRET, CONFIDENTIALITY, PRIVACY, OR OTHER INDUSTRIAL OR INTELLECTUAL PROPERTY RIGHTS OR CONTRACTUAL RIGHTS OF ANY THIRD PARTY.


Reliance on Information Posted

The information presented on or through the Website is made available solely for general/recommendatory purposes. We do not warrant the accuracy, completeness or usefulness of this information. Any reliance you place on such information is strictly at your own risk and responsibility. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.

 

Entire Agreement/ Severability

These Terms and Conditions incorporate our  www.myratecompass.com/privacypolicy which together constitutes the entire Agreement between You and Company, in relation to Your use of the Website and/ or the Services and supersedes any prior representations, inducements or agreements relating to its subject matter. You agree that this Agreement is not intended to confer and do not confer any rights or remedies upon any third party. If any part of this Agreement is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect. This Agreement, including all terms and policies referenced herein, contain the entire understanding, and supersede all prior agreements, between you and Company relating to this subject matter, and cannot be changed or terminated orally. 

 

Non-waiver

 

Failure by either Company or You to exercise or enforce any right conferred shall not be deemed to be a waiver of any such right nor operate so as to bar that exercise or enforcement thereof or of any other right on any later occasion.

 

Limitation on Action

 

You agree that regardless of any statute or law to the contrary, any claim or cause of action brought against the Company, its affiliates, officers, directors, employees, consultants, contractors, agents, and suppliers arising out of or related to use of the Services or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred.

Governing Law

 

a.Governing Law. The Parties hereby agree that all actions brought in respect of this Agreement, or any Services delivered pursuant to this Agreement, shall be brought before a Competent Court of Canada, and the parties hereby acknowledge the exclusive jurisdiction of the Competent Courts of Ontario. Therefore, you agree that the Service shall be deemed a passive one that does not give rise to personal jurisdiction over us, either specific or general, in jurisdictions other than Ontario. This Agreement shall be governed by the internal substantive laws of the province of Ontario, without respect to its conflict of law’s principles. The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded. You agree to submit to the personal jurisdiction of a competent court located in, Ontario or the Canada District Court, for any actions for which we retain the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation or violation of a our copyrights, trademarks, trade secrets, patents, or other intellectual property or proprietary rights, as further set forth in the Arbitration provision below.

b. Arbitration. For any dispute with us, you agree to first contact us and attempt to resolve the dispute with us informally. In the unlikely event that we are unable to resolve a dispute, we each agree to resolve any claim, dispute, or controversy (excluding any claims we have for injunctive or other equitable relief) arising out of or in connection with or relating to this Agreement, or the breach or alleged breach thereof (collectively, “Claims”), by binding arbitration by the Commercial Arbitration Act (R.S.C., 1985, c. 17 (2nd Supp.)) under the Commercial Arbitration Rules and Supplementary Procedures for Consumer Related Disputes then in effect, except as provided herein. Unless we agree otherwise, the arbitration will be conducted in the city/town where we reside. Each party will be responsible for paying any filing, administrative and arbitrator fees in accordance with Commercial Arbitration Act (R.S.C., 1985, c. 17 (2nd Supp.)) rules. The award rendered by the arbitrator shall include costs of arbitration, reasonable attorneys’ fees and reasonable costs for expert and other witnesses, and any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. Nothing in this Section shall prevent either party from seeking injunctive or other equitable relief from the courts as necessary to prevent the actual or threatened infringement, misappropriation, or violation of that party’s data security, Intellectual Property Rights, or other proprietary rights. ALL CLAIMS MUST BE BROUGHT IN THE PARTIES’ INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING, AND, UNLESSWE AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS. YOU AGREE THAT, BY ENTERING INTO THIS AGREEMENT, WE ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.
 

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