Terms, Privacy, & Disclosure

Disclosure

HowToSaveMoney.ca only exists because of you trusting me.

I think it's important for you to be informed, so I want to be transparent about how this site is funded which includes:

  • Affiliate links - they work the same way as regular links - but when clicked they may generate income to the site. Articles are always written with the goal of saving you money and affiliate links are only added for quality products and services that can help you save money in some way.
  • Sponsorships - from time to time, I may write a sponsored post or e-mail on their behalf. Before doing so, I ensure that their products and services may be relevant and useful to you.
  • Display advertisements - these are generally graphical ad banners or text blocks provided by either Google AdSense or a similar advertising network usually placed in the sidebar or at the top or bottom of a page.

This ensures that HTS can remain free to use for everyone.

I want to be crystal clear: I only recommend products and services that I believe in and that I either do use or would use myself based on my research. And if, for any reason, my opinion has changed about a product or service, I will post my revised review as soon as I'm able.

I always give my honest opinion of any product or service I'm discussing regardless if there is funding involved or not. Any product or service claim, statistic, quote or other representation about a product or service should be verified and confirmed with the manufacturer or provider.

If you have any questions about how this site makes money, please send them to me using my contact form.

Privacy Policy

Our Privacy Policy governs the flow of information on HowToSaveMoney.ca (the “site”). It outlines the type of information that the site’s operator WeyMedia Inc. and its directors, officers, employees and affiliates (collectively “we” or “us”) gather about the user of this site (“you”) while you are using this site and how we use that information. Please read this Privacy Policy as, by using this site, you agree that your use of this site is governed by this Privacy Policy.

We collect and store your e-mail address if you voluntarily supply it to us when you register to receive our free e-mail with money saving tips. Typically, we send out our e-mail once or twice a week. Your information is stored at the list server that delivers howtosavemoney.ca content and can only be accessed by those who help manage those lists in order to deliver e-mail to those who would like to receive our material. As well, we collect and use data contained in log files which include: your Internet Protocol (IP) address, your Internet Service Provider (ISP), the browser you used, the time you visited this site, and the pages you visited throughout this site, which is a standard practice on almost every website.

Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your web browser that enables the site’s or service provider’s systems to recognize your browser and capture and remember certain information. We use cookies to understand and save your preferences for future visits. In addition, because we use third-party advertisements to support this site (ie: Google AdSense), DART cookies and web beacons may be used by them in order to deliver more relevant advertising.

We do not sell your personal information to any third parties. However, we do share some information with trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe such release is necessary to comply with the law, enforce our site policies, or protect ours or others’ rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Please note that links to third-party websites and advertisers on this site are not bound to this Privacy Policy. These third party sites have separate and independent privacy policies that may be different from our own. We therefore have no responsibility or liability for the content and activities of these linked sites. As such, if you wish to know more about their privacy policies, please visit their website and review its privacy policy.

The security of the information you provide is very important to us. As such, we do our best to ensure your information remains secure; however, you understand that there are inherent risks of providing information online. As such, by using this site, you release us of any responsibility for any breach of security.

If there are any questions regarding this privacy policy you may contact us using our contact form.

Terms and Conditions

By using HowToSaveMoney.ca, you are agreeing to be bound by these Terms and Conditions (“Terms”). These Terms are governed by the laws of the Province of New Brunswick, Canada giving effect to any conflict of law. If you decide that you don’t wish to be bound by these Terms, then we believe that the only remedy is that you should not use our site. At any time that we need to make changes to these Terms, we will post them here on this page. Please note that it is the user’s responsibility to stay abreast of potential changes and updates - to this end, we encourage you to check this page for any changes from time to time.

Our goal is to be the best money saving resource available anywhere for our Canadian users. The information provided on this site is meant to be a starting point for users to make well-rounded and well-informed decisions on how they spend their money. Despite our best efforts to have the most complete and accurate guide on maximizing your money and optimizing your savings - mistakes can be made and information does become stale over time. As such, no representations or warranties are given (express or implied) that the Site will be error-free or complete or completely accurate or current at all times or any time. It is your responsibility to conduct further research to verify the information and ensure any actions you take meet your own personal and financial goals.

Our site exists for informational and educational purposes only. All content provided on this site is reflective of our views on how to maximize every dollar spent and optimize the dollar you save and is intended for general informational purposes only. In addition, the views and opinions expressed by contributors to the site do not necessarily reflect those of ours.

Everything you read on this site is the opinion of us or our contributors only. We do not provide personalized financial advice and we do not act as a financial advisor. The information on this site is NOT intended to be investment, tax, accounting or legal advice - and you are responsible to obtain financial, tax, accounting, legal or other professional advice before acting on any information provided by us. This is to ensure that you’ve gathered all the information you need to determine what’s right for your specific circumstance. Given that you use the available information at this site for free - please note that this is at your own risk and you waive any and all liability from us.

Links throughout this site to sites maintained by third-parties do not necessarily imply an endorsement or sponsorship of such sites. The information offered throughout the site and by the third-party sites whose links appear on this site are provided “As Is” and without warranties of any kind either expressed or implied.

Your privacy is of extreme importance to us. Please read our Privacy Policy carefully for more information on how we manage the information you share with us.

All of the original content and materials made available on this site are owned by us and/or our affiliates, and are protected by Canadian and international copyright laws, trademark, and other intellectual property laws. Our content is provided for personal, non-commercial use only. Unless explicitly authorized by us, none of our content may be copied, reproduced, republished, sold, distributed, modified, uploaded, transmitted, translated, exploited, or create derivative works without our prior written consent. Only for personal and non-commercial use, you may make one copy of extracts from this site provided that all copyright notices are kept intact. If a dispute arise, the Canadian Copyright Act (R.S.C., 1985, c. C-42) and other legislation and common law provides recourse under Canadian law.

When you post a comment on our site and/or in our social media channels, you own any copyright on the text, provided that you are the owner of the material you posted. As well, when you post and submit text via email or social media, you grant to us a perpetual and unlimited free license to republish in whole or in part that text on our site and in print for marketing purposes.

Although we pride ourselves to be well-researched in every article that we publish, we can’t guarantee the completeness or accuracy of the information, content or postings found on this site. By using this site, you acknowledge and agree to take full responsibility for your decisions by ensuring that you have done your research that is aligned to your specific personal and financial goals. Under no circumstances shall we be liable for any direct, indirect, incidental, special or consequential damages that result from the use or downloading any content on this site. As such, before you apply to any products or services mentioned in our site, please ensure that: 1) you’ve read and understood these Terms; 2) verify and confirm that all the information presented is accurate and complete; 3) conduct further research and obtain professional consultation as you see fit to ensure that the product or service meets your specific needs.

You agree to indemnify, defend, and hold us harmless against any and all claims, liabilities, damages, causes of action, costs and expenses, including legal fees and expenses, arising out of or related to your breach of any obligation, warranty, representation or covenant under these Terms.

Our site is targeted to users in Canada. Any disputes between us will be resolved in accordance with the laws of the Province of New Brunswick and applicable laws of Canada exclusively notwithstanding your residence or physical location. You agree to the exclusive jurisdiction of the courts of the Province of New Brunswick to decide and adjudicate any dispute in connection with this site, its disclaimers or its Terms.

These Terms were published on September 19, 2016, are effective immediately, and replace any previously published terms. These Terms may be changed at any time at our discretion. Should we update these Terms, we will post the updates to this page.