Terms and Conditions

These Terms and Conditions (the “Terms”) form a binding legal agreement between you (“you”, “your”, or “User”) and the operator of cadtoinr.ca (“cadtoinr.ca”, “we”, “us”, or “our”), governing your access to and use of the website cadtoinr.ca and any related subdomains, mobile applications, widgets, APIs, content, tools and services (collectively, the “Service”). By accessing, browsing, or otherwise using the Service in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy and Affiliate Disclosure, all of which are incorporated by reference. If you do not agree to these Terms in full, you must not access or use the Service.

1. Eligibility

You represent and warrant that you are at least eighteen (18) years of age (or the age of majority in your jurisdiction, whichever is greater), have the legal capacity to enter into a binding contract, and are not barred from using the Service under any applicable law. The Service is not directed to children, and we do not knowingly collect personal information from individuals under the age of 18.

2. No Advice; We Are Not Financial Advisors

cadtoinr.ca is not a financial advisor, investment advisor, tax advisor, accounting advisor, legal advisor, foreign-exchange dealer, money services business, broker, dealer, agent, fiduciary, or financial planner — in any form, capacity, or jurisdiction. We are an independent informational comparison website. We are not registered with, licensed by, authorised by, supervised by, or otherwise regulated by the Investment Industry Regulatory Organization of Canada (IIROC / CIRO), the Canadian Investment Regulatory Organization, the Autorité des marchés financiers (AMF) of Quebec, the Ontario Securities Commission (OSC), the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) as a money services business, the U.S. Securities and Exchange Commission (SEC), FINRA, the U.K. Financial Conduct Authority (FCA), or any other securities, banking, payments, or financial-services regulator. Use of the Service does not create any advisor-client, fiduciary, agency, brokerage, or professional relationship between you and us.

All content on the Service — including, without limitation, exchange rates, mid-market rates, fee comparisons, conversion tables, calculator outputs, charts, graphs, historical data, forecasts, predictions, models, scenarios, articles, blog posts, guides, FAQs, commentary, rankings, ratings, recommendations, “best of” lists, “Editor's Pick” designations, and any other text, graphic, video, or interactive feature (collectively, the “Content”) — is provided strictly for general informational, educational, and illustrative purposes.

Nothing on the service constitutes, and nothing on the service should be construed, interpreted, or relied upon as: financial advice; investment advice; tax advice; accounting advice; legal advice; regulatory advice; foreign-exchange advice; trading, hedging, or risk-management advice; an offer to buy, sell, exchange, or transfer any currency, security, or financial product; a solicitation of any offer; a recommendation, endorsement, rating, or opinion to engage in or refrain from any transaction; or professional advice of any kind. No content on the service is tailored to your individual circumstances, objectives, financial situation, risk tolerance, residency, tax position, or needs.

Your decisions are yours alone. You are solely and exclusively responsible for evaluating the merits and risks of any currency exchange, money transfer, remittance, investment, hedging, business, accounting, or tax decision you make. Before acting on any Content, you must consult an appropriately qualified, independent, and licensed professional — such as a registered financial advisor, investment advisor, accountant, tax professional, lawyer, or notary — who can take your individual circumstances into account. Any reliance you place on any Content is strictly at your own risk.

3. Exchange Rates, Comparison Data, Charts, Historical Data, and Forecasts

All rate-related content on the Service is provided strictly “as is” and “as available” for general informational and illustrative purposes only. This includes, without limitation: mid-market rates, interbank rates, retail rates, indicative rates, provider rates, transfer fees, foreign-exchange margins, spreads, delivery times, payout amounts, ratings, rankings, conversion tables, calculator outputs, charts, graphs, historical data, archived data, screenshots, embedded widgets, third-party data, news, commentary, forecasts, predictions, projections, scenarios, trend indicators, and any other numeric, graphical, or textual representation of currency exchange information (collectively, “Rate Content”).

Rate Content is sourced from third-party data providers, public APIs, provider websites, partner widgets (including the Wise calculator widget), and other external sources that we do not own or control. Rate Content may be inaccurate, incomplete, delayed, stale, cached, rounded, mis-quoted, mis-attributed, mis-formatted, suspended, or unavailableat any time, with or without notice, and may differ materially from the actual rate, fee, or amount that any provider, bank, or financial institution will offer or apply to any specific transaction at any specific moment. Rates change continuously; any number you see on the Service may already be out of date by the time you read it.

Without limiting the foregoing, we expressly disclaim any representation, warranty, condition, covenant, or guarantee — express, implied, statutory, or otherwise — that any Rate Content:

• is accurate, current, live, real-time, complete, correct, timely, reliable, continuous, uninterrupted, or error-free;
• reflects the actual mid-market, interbank, wholesale, retail, or any other rate at any specific moment;
• matches, approximates, or predicts the rate, fee, margin, spread, or amount that any Third-Party Provider will quote, honour, lock in, or apply to any actual transaction;
• will be available, displayed, refreshed, or updated at any particular frequency or at all;
• has been independently verified, audited, certified, or endorsed; or
• is suitable or fit for any decision-making, transaction, hedging, accounting, tax, regulatory, or other purpose.

Forecasts, predictions, and forward-looking statements. Any forecast, prediction, projection, scenario, target, trend, signal, model output, or other forward-looking statement displayed on the Service is a speculative estimate based on historical or third-party data and on assumptions that may prove materially incorrect. Currency markets are volatile and influenced by countless factors that no model can reliably anticipate. Past performance is not indicative of future results. No forecast, prediction, or model output on the Service constitutes a recommendation, forecast of actual rates, financial advice, investment advice, or any form of professional advice, and none should be relied upon for any transactional, investment, hedging, business, accounting, tax, or other decision.

No duty to update; reliance is at your own risk. We have no obligation to update, correct, refresh, recompute, retract, or maintain any Rate Content, even if we know or should know it is inaccurate, stale, or misleading. Any reliance you place on any Rate Content is strictly at your own risk. You agree that, before entering into, relying on, or making any decision in connection with any currency transaction, you will independently verify the applicable rate, fee, margin, spread, delivery time, and all other terms directly with the relevant Third-Party Provider, and that you will not rely on any Rate Content displayed on the Service for that purpose.

No liability for Rate Content. To the maximum extent permitted by applicable law (and subject only to the Quebec carve-out in Section 10 below), the cadtoinr.ca Parties shall have no liability whatsoever to you or to any third party for any loss, damage, cost, expense, lost profit, lost opportunity, missed transaction, unfavourable rate, adverse market move, tax consequence, regulatory consequence, business interruption, or other harm of any kind arising out of or relating to any Rate Content, including, without limitation, any rate that is wrong, stale, delayed, changed, mis-quoted, mis-displayed, withdrawn, unavailable, miscalculated, mis-rounded, mis-converted, or different from the rate actually offered or applied by any Third-Party Provider, and including any forecast, prediction, or model output that proves incorrect. You assume full and sole responsibility for any decision you make in reliance on Rate Content.

4. Third-Party Providers and Links

The Service displays information about and links to independent third-party money transfer services, banks, remittance providers, financial institutions, and other websites (collectively, “Third-Party Providers”). We do not own, operate, control, endorse, sponsor, or audit any Third-Party Provider. Any transaction you enter into with a Third-Party Provider is solely between you and that provider and is governed by that provider's own terms, conditions, fees, privacy practices, and applicable law. We are not a party to, and assume no responsibility or liability for, any transaction, transfer, dispute, delay, loss, fraud, or other matter arising from or relating to your dealings with any Third-Party Provider. Your use of any Third-Party Provider is at your sole risk.

5. Affiliate Compensation

We may receive commissions, referral fees, or other compensation when you click on certain links and subsequently sign up for, use, or transact with a Third-Party Provider. This does not affect the price you pay. Full details are set out in our Affiliate Disclosure, which is incorporated into these Terms by reference.

6. Acceptable Use

You agree that you will not, and will not permit any third party to:

• use the Service in any manner that violates any applicable federal, provincial, state, local, or international law or regulation;
• scrape, harvest, crawl, mine, copy, replicate, mirror, or otherwise extract data, rates, content, or code from the Service by any automated means, bot, script, spider, or scraper;
• resell, redistribute, sublicense, or otherwise commercialize any content from the Service without our prior written consent;
• frame, embed, or republish the Service or any portion thereof except via tools we expressly provide for that purpose;
• reverse-engineer, decompile, disassemble, or attempt to derive the source code of any portion of the Service;
• interfere with, disrupt, overload, attack, probe, or test the vulnerability of the Service or any related infrastructure;
• upload, transmit, or introduce any virus, worm, malware, trojan horse, time bomb, or other malicious code;
• impersonate any person or entity or misrepresent your affiliation with any person or entity;
• use the Service to engage in money laundering, terrorist financing, fraud, sanctions evasion, or any other illegal activity;
• collect, harvest, or process personal information of other users; or
• use the Service in any manner that could damage, disable, overburden, or impair our systems or networks, or interfere with any other party's use of the Service.

7. Intellectual Property

All content on the Service — including text, graphics, logos, icons, images, audio, video, data compilations, software, and the design, selection, and arrangement thereof — is owned by us, our licensors, or other content suppliers and is protected by Canadian and international copyright, trademark, patent, trade secret, and other intellectual property laws. Subject to your compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and view the Service for your personal, non-commercial use. All other rights are expressly reserved.

8. User Submissions

If you submit any feedback, suggestions, comments, or other materials to us (“Submissions”), you grant us a perpetual, irrevocable, worldwide, royalty-free, fully paid-up, transferable, sublicensable license to use, reproduce, modify, distribute, and exploit such Submissions in any manner and for any purpose, without attribution or compensation. You represent that you own or have all necessary rights to make such Submissions and that they do not infringe any third-party rights.

9. Disclaimer of Warranties

The service and all content, data, materials, products, and services made available through the service are provided “as is” and “as available”, with all faults and without warranty of any kind, express, implied, statutory, or otherwise. To the maximum extent permitted by applicable law, we and our officers, directors, employees, agents, affiliates, partners, suppliers, licensors, and data providers (collectively, the “cadtoinr.ca parties”) expressly disclaim all warranties of any kind, including, without limitation, warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, currency, reliability, availability, security, and quiet enjoyment, and any warranties arising from course of dealing, course of performance, usage, or trade practice. Without limiting the foregoing, we do not warrant that the service will be uninterrupted, timely, secure, or error-free; that defects will be corrected; that any rate, quote, comparison, or content will be accurate, complete, or current; or that the service or any servers used in connection with the service are free of viruses or other harmful components.

10. No Liability; Limitation of Liability

The service is provided to you free of charge and on an “as is” and “as available” basis. To the maximum extent permitted by applicable law, the cadtoinr.ca parties shall have no liability whatsoever to you or to any third party for any loss, damage, cost, expense, or harm of any kind — whether direct, indirect, incidental, special, consequential, exemplary, punitive, or enhanced; whether for loss of profits, revenue, savings, business, goodwill, data, opportunity, or use; and whether arising in contract, tort or extra-contractual liability (including negligence), strict liability, statute, restitution, or any other legal or equitable theory — arising out of or relating in any way to these terms, the service, any content (including any rate content), any third-party provider, or your access to, use of, reliance on, or inability to use the service. This applies whether or not we have been advised of, knew of, or should have known of the possibility of such loss or damage, and notwithstanding the failure of essential purpose of any limited remedy.

You acknowledge and agree that you assume full and sole responsibility for any decision you make based on your access to or use of the Service, and that you have no expectation of recovering any amount from us.

Mandatory Quebec carve-out. Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited under applicable law. Without limiting the generality of the foregoing, and as required by article 1474 of the Civil Code of Québec, nothing in these Terms shall be construed to exclude or limit our liability for (i) intentional fault or gross fault; or (ii) bodily or moral injury caused to a person. If, and only to the extent that, applicable law would not permit the complete exclusion of liability set out above (for example, under the Consumer Protection Act (Quebec) in respect of a Quebec consumer), then the aggregate liability of the cadtoinr.ca parties for all claims arising out of or relating to these Terms or the Service shall be limited to the minimum amount required by such applicable law, and in any event shall not exceed the greater of (a) the total amount, if any, paid by you to us in the twelve (12) months preceding the event giving rise to the claim, or (b) fifty Canadian dollars (CAD $50). The Service is free, so amounts paid by you to us are zero.

11. Indemnification

You agree to defend, indemnify, and hold harmless the cadtoinr.ca Parties from and against any and all claims, demands, actions, proceedings, losses, liabilities, damages, judgments, awards, costs, and expenses (including reasonable legal fees on a solicitor-and-own-client basis) arising out of or relating to: (a) your access to or use of the Service; (b) your breach of these Terms; (c) your violation of any law or the rights of any third party; (d) any transaction you enter into with a Third-Party Provider; or (e) any content or Submission you provide. We reserve the right, at your expense, to assume the exclusive defence and control of any matter subject to indemnification, in which case you will fully cooperate with us.

12. Modifications to the Service and Terms

We reserve the right, at our sole discretion and without prior notice or liability, to modify, suspend, discontinue, or terminate the Service (or any feature or part thereof) at any time and for any reason. We may also revise these Terms from time to time. The revised Terms will be effective upon posting unless we indicate otherwise. Your continued use of the Service following any change constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically.

13. Termination

We may suspend or terminate your access to the Service at any time, with or without cause and with or without notice, for any reason or no reason, including for any breach (or suspected breach) of these Terms. Upon termination, all provisions of these Terms which by their nature should survive termination shall survive, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

14. Governing Law

These Terms and any dispute, claim, or controversy arising out of or in connection with them or their subject matter (including extra-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the Province of Quebec and the federal laws of Canada applicable therein, without regard to any conflict-of-laws principles.

15. Dispute Resolution

Informal resolution. Before commencing any formal proceeding, you agree to first contact us at info@wecr8it.com and attempt in good faith to resolve the dispute informally for at least sixty (60) days.

Forum (non-consumer disputes). Subject to the Quebec consumer carve-out below, any dispute, controversy, or claim arising out of or relating to these Terms or the Service that cannot be resolved informally shall be finally resolved by binding arbitration seated in Montréal, Québec, Canada, in accordance with the ADR Institute of Canada's Arbitration Rules, by a single arbitrator. The language of the arbitration shall be English unless the parties agree otherwise. Judgment upon the award may be entered in any court of competent jurisdiction. You and we agree to bring any such proceeding only on an individual basis and not in any class, consolidated, representative, or collective action, to the maximum extent permitted by law.

Quebec consumer carve-out. If you are a “consumer” within the meaning of the Consumer Protection Act (Quebec), R.S.Q. c. P-40.1, then, notwithstanding the foregoing: (i) the binding arbitration requirement, the requirement to proceed in Montréal, and the class-action waiver in this Section 15 do notapply to you, in accordance with article 11.1 of that Act; (ii) you may bring proceedings in the district of your domicile or, at your option, in the district of Montréal; and (iii) nothing in these Terms is intended to deprive you of any right granted to consumers by mandatory provisions of Quebec law.

Injunctive relief. Notwithstanding anything to the contrary, we may seek injunctive or other equitable relief in any court of competent jurisdiction to protect our intellectual property or confidential information.

16. Sanctions and Export Compliance

You represent and warrant that you are not located in, ordinarily resident in, or organized under the laws of any country or region subject to comprehensive Canadian, U.S., U.K., E.U., or U.N. sanctions, and that you are not on any government list of restricted or prohibited parties. You agree to comply with all applicable sanctions, anti-money-laundering, and export control laws.

17. General

• Entire agreement. These Terms, together with the Privacy Policy and Affiliate Disclosure, constitute the entire agreement between you and us regarding the Service and supersede all prior agreements and understandings.
• Severability. If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall continue in full force and effect, and the invalid provision shall be modified to the minimum extent necessary to be enforceable.
• No waiver. Our failure to enforce any right or provision shall not constitute a waiver of such right or provision.
• Assignment. You may not assign or transfer these Terms or any rights hereunder without our prior written consent. We may freely assign these Terms.
• Force majeure. We shall not be liable for any delay or failure to perform resulting from any cause beyond our reasonable control.
• Headings. Section headings are for convenience only and shall not affect interpretation.
• Language / Langue. The parties hereby acknowledge that they have expressly required that these Terms and all related documents, notices, and proceedings be drawn up in the English language. Les parties reconnaissent par les présentes avoir expressément exigé que cette entente et tous les documents, avis et procédures qui s'y rattachent soient rédigés en langue anglaise. A French-language version of these Terms is available on request at info@wecr8it.com.

18. Contact

Questions about these Terms can be sent to info@wecr8it.com.