Terms and Conditions

1. Introduction

1.1 Any access to and use of this website are subject to these General Terms and Conditions ("Terms of Use"). By accessing and using this website, you agree to be bound by these Terms of Use. If you do not agree to these Terms of Use, you are no longer authorized to access or use this website.

1.2 Should it be determined that you have violated these Terms of Use, your right to access and use this website will be immediately revoked.

1.3 This website is intended solely for Canadian residents aged 18 and older. Please note that this website (including products, prices, and product descriptions) is updated frequently. Products previously advertised may be withdrawn at any time without prior notice.

1.4 We may modify or change these Terms of Use at any time. We recommend that you refer to these Terms of Use each time you use this website. The modified Terms of Use shall become effective on the date of their publication on this website. Your continued use of this website constitutes acceptance of the modified Terms of Use.

2. Privacy Policy

2.1 We attach the utmost importance to your privacy. Please consult our Privacy Policy to learn how we use, store, and transfer the information you provide to us. Your use of this website is, at all times, subject to the provisions of our Privacy Policy.

3. Third-Party Products

3.1 You may request a number of different products via this website and the associated web applications hosted on this site. These products are not provided by us, but by third parties. We exercise no control over these third parties. It is your responsibility to verify and satisfy your personal preferences and requirements before requesting or obtaining any product. Before requesting or purchasing a product provided by a third party, you must consult the statements or information documents regarding the product in question. The presence of a product on this website does not constitute an endorsement by us of the provider, the product, the content of the provider's website, or the provider's activities.

3.2 All product prices are listed in Canadian dollars (CAD $).

3.3 We are not liable for any loss or damage that you or a third party may suffer in connection with a product obtained by you after using this website. We are not responsible for the acts, omissions, errors, or complications of any third party in connection with such product.

3.4 This website contains statements regarding product terms and conditions, including features and inclusions. Some of these statements are generalized and/or simplified to facilitate product comparison. However, not all products are identical, and you must confirm the precise terms and conditions of any product you intend to purchase before doing so. The product information provided on this website is accessible only to Canadian residents, unless expressly stated otherwise.

3.5 By submitting your personal data via this website, you may make an offer to obtain a product from a third-party supplier. This offer may be accepted or rejected. The contract relating to the product shall be concluded only once your offer has been accepted by the relevant third-party supplier. If your offer is accepted, this triggers the provision of said product by the third party, subject to the third-party supplier's terms and conditions. You will receive written confirmation if your offer has been accepted.

4. The Funding club Service and Remuneration Model

4.1 On this website, we offer a range of services enabling users to search for and compare life insurance, car insurance, car loans, business loans, mortgages, energy and broadband products, and credit cards—all of which are provided by third parties.

4.2 Use of our comparison service is free of charge, subject to these Terms of Use. We receive a payment (a commission) from third-party product providers in the event of a successful purchase by you.

5. Authorized Use

5.1 You are authorized to use this website solely for personal purposes, provided that you comply with these Terms of Use. Commercial use of this website is strictly prohibited.

5.2 You are not authorized to take any action that could affect—whether positively or negatively—the security of this website or of any information or material stored thereon.

5.3 You agree not to:

5.5 You agree that if you provide information on this website, such information shall be true, accurate, and complete, and free from intentional errors.

6. Account Registration

6.1 This Website (fundingclub) allows you to create a personal account linked to you in order to access certain member services provided by Funding club and this Website. This Website may allow you to log in to your personal account by generating a username and password, or by using your social media username and password, utilizing a combination of internal and third-party authentication. Any account or access details provided or created by you shall be collectively referred to as "Login Details."

6.2 In all cases, if you create a personal account, you agree that:

6.3 If you believe that the security of your login credentials has been compromised, you must notify us immediately in writing. As a precautionary measure, you must change your password immediately. We shall not be held liable for any loss or damage caused by the unauthorized use of your login credentials (including instances where another person accesses your account using credentials you have provided to them, or where you are in breach of these Terms of Use).

6.4 We may deactivate your account at any time following any actual or suspected unauthorized use of your login credentials, and we will notify you of such action using the contact methods you have provided to us.

6.2 In all cases, if you create a personal account, you agree that:

6.3 If you believe that the security of your login credentials has been compromised, you must notify us immediately in writing. As a precautionary measure, you must change your password immediately. We shall not be held liable for any loss or damage caused by the unauthorized use of your login credentials (including instances where another person accesses your account using credentials you have provided to them, or where you are in breach of these Terms of Use).

6.4 We may deactivate your account at any time following any actual or suspected unauthorized use of your login credentials, and we will notify you of such action using the contact methods you have provided to us.

8. Intellectual Property Rights

8.1 The word or mark "Funding club"—regardless of its representation—all associated logos and symbols, and all combinations with any other word or mark, are the trademarks of Funding club or of one of its subsidiaries or registered entities.

8.2 All intellectual property rights in any material or content contained within or accessible via this website are either the property of Funding club or licensed to Funding club for exclusive or unrestricted use.

8.3 You shall make only fair use of the trademarks featured on this website and shall not use them:

8.4 Except as otherwise provided in these Terms of Use, none of the intellectual property rights vested in Funding club or our licensors in and relating to this Website (including any content or materials displayed on this Website) may be used, copied, published, or distributed by you without our prior written consent.

9. Exclusion of Liability

9.1 This Website, its content, and its services are provided to you strictly "as is," and we make no warranties, express or implied, regarding their satisfactory quality, fitness for a particular purpose, reliability, timeliness, accuracy, completeness, security, or freedom from error.

9.2 We strive to ensure that the information displayed on this website is up-to-date and accurate. However, your use of this website, and any action you take based on the information obtained from it, is entirely at your own risk. Funding club accepts no liability for any losses you may suffer as a result.

9.3 We provide no guarantee that the website is free from viruses, malware, or any other elements that may have a detrimental effect on any technology.

9.4 We strive to ensure the continuous availability of this website, but we provide no guarantee regarding the extent of its uptime. We reserve the right to suspend, restrict, or terminate your access to this website at any time.

9.5 We shall not be liable for any loss of use, profits, or data, nor for any indirect, special, or consequential damages or losses, whether such losses or damages arise in contract, negligence, or tort, or are otherwise related to:

10. Indemnification

10.1 You agree to indemnify us, as well as our directors, employees, agents, and contractors, against any loss incurred or expense that may be incurred arising from a breach of these Terms of Use or from your use of this website.

11. Contact Us

11.1 We provide a number of links on this website. These links direct you to other websites, which are neither controlled by nor endorsed by Funding club. The purpose of these links is to facilitate access to additional information you may require to make a purchasing decision. Under no circumstances do we make any representations regarding the accuracy of the information contained on other websites. We disclaim all liability for any loss, damage, cost, or expense you may incur by accessing or attempting to access a third-party website.

11.1 If you have any questions regarding this website or the services and products we provide, please contact us.

12. General Provisions 12.1 If any part of these Terms of Use is deemed legally invalid or unenforceable, that provision shall be replaced by a valid and enforceable provision that reflects the spirit and letter of the original provision. The remaining provisions shall remain in full force and effect.

12.2 The failure of either party to exercise any right granted under these Terms of Use shall not preclude either party from taking further action.

12.3 These Terms of Use constitute the entire agreement between you and us regarding your access to and use of this website, and supersede any prior agreements (including any prior terms of use for this website).

13. Governing Law

13.1 These Terms of Use, as well as your access to and use of this Website, are governed by and shall be construed in accordance with the laws of Canada.

13.2 Both you and we submit to the non-exclusive jurisdiction of the courts of Canada with respect to these Terms of Use and your access to and use of this Website.