Terms of Service

1. Introduction

These Terms of Service govern your use of CalcSolutions services. By accessing or using our services, you agree to be bound by these terms and our Privacy Policy. These terms are governed by the laws of Canada and the province of [Province].

2. Service Description

CalcSolutions is a financial technology service that:

• Provides loan comparison tools and calculators
• Facilitates connections with licensed Canadian financial institutions
• Offers financial education resources
• Monitors and compares financial product rates

We are not a lender, financial advisor, or credit counselor. We do not provide financial advice or make lending decisions.

3. Regulatory Compliance

Our services comply with applicable Canadian laws and regulations, including:

• Personal Information Protection and Electronic Documents Act (PIPEDA)
• Canada's Anti-Spam Legislation (CASL)
• Consumer Protection Laws
• Financial Services Regulations

4. User Eligibility and Responsibilities

To use our services, you must:

• Be at least 18 years old
• Be a Canadian resident
• Provide accurate and truthful information
• Keep your account credentials confidential
• Use the services in compliance with Canadian laws

5. Consent to Information Sharing

By using our services, you consent to:

• The collection and verification of your information as described in our Privacy Policy
• Sharing your information with potential lenders and financial institutions
• Credit checks when required (with your explicit consent)
• Receiving communications from us and our partners

You may withdraw your consent at any time, subject to our obligations under law and any outstanding commitments.

6. Fees and Charges

Our comparison service is free to users. However:

• We may receive compensation from financial institutions when you obtain their products
• Financial products you obtain may have their own fees and charges
• All fees and charges will be clearly disclosed before you commit to any product

7. Disclaimers and Limitations

Our services are provided "as is" and we do not guarantee:

• Loan approval or specific rates
• The accuracy of third-party information
• Uninterrupted service availability
• The suitability of any financial product for your needs

These limitations apply to the extent permitted by Canadian law and do not affect your statutory rights.

8. Dispute Resolution

Any disputes will be resolved according to Canadian law through the following process:

• Initial attempt at informal resolution
• Mediation if informal resolution fails
• Legal proceedings in Canadian courts if necessary

9. Changes to Terms

We may modify these terms with notice. Continued use of our services after changes constitutes acceptance. Material changes will require your explicit consent where required by law.

10. Contact Information

For questions about these Terms of Service, contact us at:

Legal Department
Email: legal@calcsolutions.ca
Phone: 1-800-XXX-XXXX
Address: XXX Street, City, Province, Postal Code