1. Use of the Site

You may use the Site for personal, non-commercial purposes in accordance with these Terms. You must be at least the age of majority in your province or territory of residence.

2. Sponsored and Paid Content

The content on the Site—such as rankings, “top” lists, reviews, and comparisons—is promotional in nature and influenced by commercial partnerships. We may receive payment, affiliate commissions, or other benefits from third parties featured on the Site.

The inclusion, order, and rating of companies, products, or services may be determined in part by these financial relationships and do not necessarily reflect a comprehensive or independent evaluation.

While we strive to provide accurate information, you should assume all content is commercial in nature. We encourage you to do your own due diligence before engaging with any product or service listed on the Site.

3. No Professional Advice

All content on the Site is for informational purposes only and does not constitute professional, medical, financial, or legal advice. Please consult a qualified professional if you require such guidance.

4. Disclaimer of Warranties

The Site and its content are provided “as is” and “as available,” without any warranties of any kind—express or implied—including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

5. Limitation of Liability

To the fullest extent permitted by applicable law, we (including our owners, affiliates, partners, and employees) shall not be liable for any indirect, incidental, consequential, punitive, or exemplary damages arising out of or relating to your use of or inability to use the Site, even if advised of the possibility of such damages.

6. User Conduct

You agree not to use the Site for any unlawful purpose, to attempt to disrupt or interfere with the Site’s security or functionality, or to upload harmful, offensive, or illegal content.

7. Intellectual Property

All content, including text, graphics, logos, images, and website design, is owned or licensed by us. You may not reproduce, distribute, or otherwise use the Site’s content without prior written permission from us.

8. Third‑Party Links

The Site may contain links to third-party websites that we do not control. We are not responsible for their content, policies, or practices.

9. Governing Law and Jurisdiction

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any dispute arises under these Terms shall be resolved exclusively in the courts located in Toronto, Ontario, Canada, and you agree to submit to their jurisdiction.

10. Severability

If any provision of these Terms is found invalid or unenforceable under applicable law, that provision shall be limited or removed to the minimum extent necessary so that these Terms otherwise remain in full force and effect.

11. Entire Agreement

These Terms constitute the entire agreement between you and us regarding your use of the Site and supersede any prior agreements or understandings.

12. Changes to Terms

We may modify these Terms at any time. Your continued use of the Site after changes have been posted constitutes your acceptance of the updated Terms.

1. Information We Collect

We may collect personal data such as IP address, browser type, device information, pages visited, referral URLs, and any information you provide voluntarily via forms or email.

2. Cookies & Tracking Technologies

We use cookies and similar technologies to analyze Site usage, remember your preferences, track clicks on sponsored or affiliate content, and measure advertising performance. You can manage cookie preferences through your browser, but some Site functionality may be affected if cookies are disabled.

3. Use of Information

We use collected information to operate and improve the Site, personalize content and ads, communicate with you, and comply with legal obligations.

4. Sponsored and Affiliate Links

When you click on affiliate or sponsored links, we may receive compensation. Third-party partners may use cookies or tracking technologies in accordance with their own privacy policies.

5. Disclosure of Information

We do not sell your personal information. We may share it with trusted service providers (e.g., for hosting or analytics) or disclose it if required by law.

6. Data Storage & Retention

Your personal information is stored securely and retained only as long as needed to fulfill the purposes described or to comply with legal obligations.

7. Your Rights

Under Canada’s PIPEDA, you have the right to access and correct your personal information, or withdraw consent where applicable. To exercise these rights, contact us.

8. Security

We implement reasonable technical and organizational safeguards to protect personal data. However, no system is completely secure—use the Site at your own risk.

9. International Data Transfers

Our servers may be located in Canada or foreign jurisdictions with different privacy laws. By using the Site, you consent to transfer and storage of your information in these regions.

10. Changes to Privacy Policy

We may update this Privacy Policy from time to time. Updates will be posted here with revised effective dates.

11. Contact Us

For questions or concerns about our Terms or Privacy Policy, please contact us