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 for 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 email for a company. Before doing so, I verify that their products and services have some relevance and usefulness to HTS readers.
- 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 our contact form.
We collect and store your e-mail address if you voluntarily supply it to us when you register. Your information is stored at the email list server and can only be accessed by those who help manage those lists in order to deliver e-mails to those who signed-up 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, such collection and use being a standard practice on almost every website. We use this information to better understand how visitors use the Site, and to improve the Site to better meet your needs. The amount of information that is sent by your web browser depends upon the browser and settings you use. Please refer to the instructions provided by your browser if you want to learn more about what information it sends to websites you visit, or how you may change or restrict this.
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 this Site, 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 this Site’s 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.
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.
We reserve the right to transfer personal information collected in the event that we merge with or are acquired by a third party. We may also disclose your personal information for any other purpose permitted by law or to which you consent.
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 and the laws of Canada as applicable herein, without regard to any principles of conflicts 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 this 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 this Site will be error-free or complete or completely accurate or current at all times or at any time. It is your responsibility to conduct further research to verify the information on this Site and ensure any actions you take meet your own personal and financial goals.
This Site exists for informational and educational purposes only. All content provided on this Site is reflective of our views, and is intended for general informational purposes only. In addition, the views and opinions expressed by contributors to this 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 a substitute for 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 release us from any and all liability of any kind whatsoever. By using this Site, you expressly acknowledge and agree that in no event will we or our suppliers or licensors be liable for any damages suffered by you, either directly or indirectly, as a result of the use or inability to use this Site or its contents.
We make reasonable efforts to ensure that this Site is virus-free and malware-free, but we do not and cannot guarantee that this is the case. You are responsible for the entire cost of any service, repairs or corrections necessary as a result of your use of this Site.
We use some hyperlinks from affiliate partners, and some hyperlinks are provided for your convenience only. These links do not necessarily imply an endorsement to their products and services. We have no control over the content of any linked site. This content is the sole responsibility of the owner or operator of the linked site.
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 applicable 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 or exploited, nor can derivative works be created based upon our content without our prior written consent. Any copying, reproduction, republishing, sale, distribution, modification, uploading, reverse engineering, transmission, translation or exploitation of, or creation of derivative works based upon, these materials for commercial purposes without our permission is prohibited. Only for the purpose of 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 arises, 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 this 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, unlimited and royalty-free license to republish in whole or in part that text on this 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 for any products or services mentioned in this 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; and 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.
This 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 where applicable herein 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.
The products, services, and information described in this Site are available only in jurisdictions where they may be legally provided, and therefore may not be available in all regions of Canada or to residents of any other jurisdictions.
This Site is not for use by persons under the age of eighteen (18) years. Use of this Site is void where prohibited by law.
These Terms were published on June 15, 2017, 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.