Legal
Terms of use
The rules for using creditlibrary.ca.
Welcome to Credit Library (“we”, “us”, “our”). By using creditlibrary.ca (the “site”), you agree to these Terms of Use. If you don’t agree, please don’t use the site.
Educational information only
Everything on this site, including articles, guides, glossary entries and calculators, is general educational information about credit in Canada. It is not financial, legal, tax or credit counselling advice, and it doesn’t take your personal circumstances into account. Always confirm details with a qualified professional before making a financial decision.
No lender or advisor relationship
Credit Library is not a lender, bank, credit bureau, credit counsellor, Licensed Insolvency Trustee or financial advisor. Using the site doesn’t create any advisory, fiduciary or client relationship.
Calculators and examples
Calculator results and worked examples are estimates based on the inputs and assumptions described. Actual rates, fees, minimum payment formulas and outcomes vary by lender and product. We don’t guarantee the accuracy or completeness of any result.
Accuracy and changes
We work to keep content accurate and current, but rates, rules and products change often. Content may contain errors or become outdated. We may update, change or remove content at any time without notice.
Referral relationships and third-party links
Some links may be referral links, and we may earn a fee if you apply for a product or contact a provider through them. This never affects what we write. We aren’t responsible for the content, products, terms or privacy practices of third-party sites.
Intellectual property
The site’s content, design, logo and calculators are owned by Credit Library and protected by copyright and other laws. You may share links and brief quotes with attribution, but you may not copy, republish or sell our content without written permission.
Acceptable use
Don’t use the site in a way that is unlawful, harms the site or other users, or attempts to gain unauthorized access to our systems.
Limitation of liability
To the fullest extent permitted by law, Credit Library is not liable for any loss or damage arising from your use of, or reliance on, the site or its content.
Governing law
These terms are governed by the laws of the Province of Ontario and the federal laws of Canada that apply there.
Contact
Questions about these terms? Email info@creditlibrary.ca.