Walton Systems Development Group Inc. (“Maplerate,” “we,” “us”) operates the website found at www.maplerate.ca (“Website”). These Terms of Use are applicable to all individuals who access the Website, including those who upload content, utilize services offered through the Website, or simply browse its information (“Users,” “you”).

These Terms also extend to any third-party sites or platforms, such as partner blogs or social media channels, that feature content from Maplerate.ca (including the Maplerate.ca X page).

By accessing or using this Website and/or its services (as defined below), you agree to be bound by these Terms of Use. If you do not agree with these Terms, please refrain from using the Website or its content. Maplerate may update or modify these Terms from time to time without prior notice, and it is your responsibility to review them regularly. Your continued use of the Website following any changes will constitute your acceptance of the revised Terms. Any new features added to the Website will also be governed by these Terms unless stated otherwise. We encourage you to periodically check this page for updates.

To access certain functionalities of the Website, you may need to provide personal information. Any personal information you submit will be handled according to our Privacy Policy, which is incorporated by reference into these Terms of Use.

Maplerate.ca offers a comparison platform for various financial products, including mortgage rates, personal loans, payday loans, and auto loans (collectively referred to as “Financial Products”). This service enables Users to compare rates and assess the pros and cons of different Financial Products, helping them find those that best meet their requirements. Note that some Financial Products listed on our Website may not have detailed information regarding their features and benefits. For these cases, Users can submit their contact details (as outlined in Section 3 below), and we will relay your information and request to the relevant third-party provider or broker (“Vendor”), who will reach out with further details about the Financial Product in question (the “Services”).

By utilizing the Services, you acknowledge and accept that Maplerate.ca serves as a platform for Users to access information and compare third-party Financial Products. Maplerate.ca is neither a provider nor vendor of Financial Products, nor does it offer financial advice. The information presented on this Website is for informational purposes only and should not be interpreted as financial advice or any other form of guidance. Maplerate.ca does not guarantee the accuracy of the information available on the Website and will not be liable for any inaccuracies, misrepresentations, or omissions. Some content may not be up to date. Additionally, certain details about Financial Products may be supplied directly by Vendors, rather than Maplerate.ca (“Vendor Content”). Vendors are solely responsible for Vendor Content, and Maplerate.ca accepts no liability for inaccuracies, losses, claims, or damages resulting from such content. Users should employ discretion, conduct their own research, and seek advice from an independent professional (such as an accountant, real estate agent, mortgage broker, insurance broker, or attorney) prior to engaging with any Vendor regarding Financial Products. We are not accountable for any advice given by professionals you consult, nor for the actions or omissions of any Vendor or User, or for any transactions—successful, failed, or discussed—related to your use of the Services. By using this Website, Users agree to assume all risks associated with the information provided.

For certain Financial Products, you can click on a link on our Website that will redirect you to the Vendor's site to apply for the Financial Product you wish to pursue. For other Financial Products, you may need to complete a request form (“Request Form”) to obtain more information. When you fill out a Request Form, you will be required to provide additional personal information, such as your name, phone number, location, preferred contact method, and the best time to reach you, along with specific details related to the Financial Product of interest (for example, if you are interested in personal loan rates, you may need to indicate the approximate loan amount you seek). We will forward your completed Request Form to the relevant Vendor(s), who will then reach out to you using your preferred contact method. By submitting the Request Form, you consent to the collection and processing of your information and its submission to the Vendor(s) associated with the Financial Product you are interested in.

Maplerate.ca does not function as a provider, broker, or vendor of any Financial Products listed on the Website. All Financial Products available are supplied by third-party vendors. Apart from CanWise, Maplerate.ca has no affiliation with any of these Vendors and does not endorse any of the Financial Products or services offered by Vendors featured on our Website. References to the term “partner” should not be construed as an endorsement of any Financial Product from any Vendor mentioned on or linked to our Website.

Users acknowledge and agree that any transactions involving Financial Products happen solely between the User and the Vendor. Users may not qualify for some or all of the Financial Products or rates showcased on the Website. Approval or denial of applications for Financial Products rests entirely with the Vendor, not Maplerate.ca.

ca Fees. Access to the Website and Services is free for Users; however, Users understand and consent to the possibility that Maplerate.ca may earn fees for submitting Request Forms or making referrals to specific Vendors and/or partner organizations.

All information, data, text, comments, software, music, sound, photographs, graphics, videos, messages, or any other materials—whether publicly shared or privately transmitted by Users through the Website, including forums or other means (“User Content”)—are the sole responsibility of the Users who submit them. This means that Users, not Maplerate.ca, are fully accountable for any material uploaded, posted, emailed, transmitted, or otherwise shared through the Service. Maplerate.ca does not oversee or actively monitor User Content and, therefore, cannot guarantee the accuracy, reliability, or quality of such content. Users recognize that by utilizing the Service, they may encounter materials that are offensive, inappropriate, or objectionable. Under no circumstances shall Maplerate.ca be held liable for any materials, including but not limited to errors or omissions in such materials, defects, or mistakes in any printing or production, or for any loss or damage incurred as a result of viewing or using any User Content shared through the Service.

Maplerate.ca reserves the right, at its discretion, to remove or refuse to distribute any User Content and may terminate user accounts or reclaim usernames. We may access, read, preserve, and disclose any information as deemed necessary to; comply with applicable laws, regulations, legal processes, or government requests; enforce these Terms of Use, including investigating potential violations; detect and address fraud, security, or technical issues; respond to user support inquiries; and safeguard the rights, property, or safety of our users and the public.
When using the Website and/or Services, you agree not to:

1. Copy any content unless specifically permitted herein.
2. Upload, post, email, transmit, or otherwise share any material that:
   • is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, pornographic, libelous, invasive of privacy, hateful, or objectionable in any way;
   • violates any law or encourages criminal behavior, or could lead to civil liability;
   • you are not authorized to share under any law or contractual obligation;
   • infringes upon any intellectual property rights of any party;
   • contains unsolicited advertising, promotional materials, or any form of solicitation;
   • includes viruses or any code designed to interrupt or limit the functionality of software, hardware, or telecommunications equipment;
   • contains falsehoods or misrepresentations, or that could harm minors.
3. Impersonate any individual or entity or misrepresent your affiliation with any individual or entity.
4. Disrupt or interfere with the Website or associated servers and networks, or fail to comply with the associated protocols and regulations.
5. Intentionally or unintentionally violate any applicable local, state, national, or international laws or regulations.
6. Collect or store personal information from other users.
7. License, sell, rent, lease, or otherwise commercially exploit the Website.
8. Modify, translate, create derivative works, disassemble, or reverse engineer any software that is part of the Website, except where prohibited by law.
9. Register for the Service on behalf of an organization or corporate entity.
   Failure to adhere to these restrictions may result in the termination of your access to the Website and Services.

By sharing, posting, or displaying User Content through the Service, you grant us (and our agents) a non-exclusive, royalty-free license to utilize, copy, modify, transmit, display, and distribute your User Content. You affirm that you possess all necessary rights, power, and authority to grant these rights concerning any User Content you submit, ensuring we can use it without any hindrances.

With the exception of User Content and Vendor Content, all materials, information, and analyses found on this Website—including our financial comparisons—are the intellectual property of Maplerate.ca and its partners, safeguarded by copyright, trademark, and other intellectual property laws. Under the terms of this Agreement, Maplerate.ca grants you a non-exclusive, non-transferable license to access and use the Website for personal purposes. However, you may not use the Maplerate.ca name, trademarks, logos, domain names, or any distinctive brand features without our express written consent. Future enhancements or updates to the Website or Maplerate.ca App will also fall under the guidelines set forth in these Terms.

Should you provide Maplerate.ca with any suggestions, comments, or feedback regarding the Website and/or Service (“Feedback”), we reserve the right to integrate such Feedback into the Website and other offerings (collectively, “Maplerate.ca Offerings”). By sharing your Feedback, you agree that: (a) Maplerate.ca is not bound by any confidentiality obligations concerning the Feedback; (b) your Feedback is non-confidential and you possess the necessary rights to share it; (c) Maplerate.ca (along with its successors and assigns) may freely utilize, reproduce, publish, license, distribute, and exploit Feedback in connection with any Maplerate.ca Offerings; and (d) you will not receive any compensation or reimbursement from Maplerate.ca or other users for your Feedback.

You acknowledge that the Website may feature advertisements for Vendor Financial Products as well as various third-party products and services. Should you choose to engage in any transactions with a Vendor or third party whose offerings are advertised on the Website, you recognize that these interactions are exclusively between you and the advertiser. Consequently, Maplerate.ca assumes no liability or responsibility for any losses or damages you may encounter as a result of these dealings. You are responsible for securing access to the Website, which may entail third-party fees, such as those from Internet service providers or data charges. You will be solely accountable for these fees and for securing any necessary equipment to access the Website. Additionally, it is up to you to ensure that any information or materials downloaded from the Website are free from viruses, worms, Trojan horses, or other harmful elements that could pose a risk to your devices.

This Website, including User Content, may contain links to external websites that are not owned or controlled by Maplerate.ca, including our personal lending partners. Any mention of third parties, their products, or services, including Vendor Financial Products, should not be construed as an endorsement or approval by Maplerate.ca. We are not responsible for the content of any linked sites, and accessing third-party websites or services via our Website is done at your own risk. When navigating away from our Website, you are responsible for understanding and adhering to the terms and conditions set forth by those third-party sites. The inclusion of a link on our Website does not imply that Maplerate.ca endorses or accepts responsibility for the content or use of such external websites. You hereby release Maplerate.ca from any liability or damages that may occur as a result of your use of these external sites or the services they provide. While we do not prohibit links to third-party sites, we do not wish to be associated with any websites that host prohibited content as outlined in Section 3 of these Terms of Use. Maplerate.ca reserves the right to remove or request the removal of any link to our Website at any time, especially if it connects to content that does not align with our guidelines or that we find objectionable.

Recognizing that we do not manage the interactions between Users and Vendors, and given our limited capacity to oversee the legality, accuracy, and integrity of various aspects of the Website and Services, you acknowledge and accept all inherent risks. Accordingly, you agree to release Maplerate.ca, along with its officers, directors, shareholders, agents, employees, affiliates, subsidiaries, and third-party partners, from any and all claims—whether direct or consequential—of any nature, be they known, unknown, suspected, or unsuspected, arising in any way from your use of the Services, your dealings with Vendors, your interactions with third parties, and any disputes that may arise among Users. Moreover, you waive any rights or protections afforded by any applicable statutory or non-statutory laws in any jurisdiction that could potentially limit the breadth of this release or waiver. This means you assume complete responsibility for any consequences that may arise from your interactions and transactions with others.

The Website, Service, Maplerate.ca App, and all materials available through them are provided on an "AS IS" basis. Maplerate.ca expressly disclaims any representations, warranties, or conditions, whether they are direct, implied, statutory, arising from trade practices, or otherwise. This includes, but is not limited to, any implied warranties of merchantability, non-infringement, title, satisfactory quality, or fitness for a specific purpose. Any information or material downloaded or accessed through the Service is done at your own risk, and you assume full responsibility for any resulting damage to your computer system, data loss, or any other adverse outcomes. Maplerate.ca does not warrant, endorse, or guarantee any products or services advertised by third parties through the Website, nor does it assume any responsibility for any site linked from our Website or featured in any advertisements. Maplerate.ca will not be involved in any transactions you engage in with these third parties. We disclaim liability for any content exchanged through the Service.

To the fullest extent permitted by law, neither Maplerate.ca nor its affiliates, officers, directors, employees, or agents (collectively, “Maplerate Parties”) shall be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use or inability to use the Website or Services, even if advised of such possibilities. This includes, but is not limited to: 17. Loss of Data: Any loss of data or information submitted to the Website. 18. Service Disruptions: Failures or errors related to the Services, including reliance on information provided. 19. Third-Party Interactions: Disputes with Vendors or other third parties. 20. Content Inaccuracies: Inaccuracies or omissions in Website content. 21. Unauthorized Access: Any unauthorized access to or use of our servers. 22. Malicious Software: Viruses or harmful code affecting your access.

Your total liability for any claims shall not exceed the lesser of the amount paid to Maplerate.ca in the past twelve (12) months or fifty Canadian dollars (CAD 50.00).
Some jurisdictions do not allow for the exclusion of certain damages, so these limitations may not apply to you. You acknowledge that any reliance on Website information is at your own risk.

You agree to indemnify and hold harmless Maplerate.ca along with its subsidiaries, affiliates, officers, agents, and employees from any and all claims, actions, proceedings, demands, damages, losses, costs, and expenses, including reasonable attorneys' fees, arising from or related to any materials you submit, post, transmit, or otherwise make available through the Service. Additionally, this obligation covers any violations of these Terms of Use by you. Your commitment to indemnify Maplerate.ca protects us from the consequences of your actions in connection with the Service.

Maplerate.ca reserves the right to terminate your access to the Website or any part of it immediately and without prior notice under specific circumstances. Reasons for such termination may include, but are not limited to:

• Breaches of these Terms of Use or any other agreement you may have with Maplerate.ca, including failure to pay any owed fees.
• Requests from law enforcement or government authorities.
• A request initiated by you.
• Significant changes or discontinuation of the Website or its features.
• Unforeseen technical, security, or legal issues.
• Engagement in fraudulent or illegal activities, either directly or indirectly.

Should your access be terminated, it may also result in the removal of some or all materials you have uploaded to the Website. You understand and accept that Maplerate.ca has the sole discretion to make these termination decisions and will not be liable to you or any third parties for the termination of your access or for the removal of your materials. Any termination of these Terms by Maplerate.ca does not diminish any other rights or remedies available to it.

Information transmitted over the Internet is inherently unsecure, and Maplerate.ca cannot guarantee the security of any communications sent to or from the Website. This includes any assurances regarding the interception of personal or other information by third parties. You are responsible for protecting the password used to access the Service and for any activities conducted under your account. It is your duty to maintain the confidentiality of your password. Maplerate.ca will not be liable for any loss or damage resulting from your failure to adhere to these security measures.

Maplerate.ca reserves the right to modify, suspend, or discontinue the Website at any time and for any reason, with or without prior notice. Consequently, the Website and its Services may occasionally be unavailable due to maintenance, technical malfunctions, or other factors. Additionally, Maplerate.ca may update or add information and materials on the Website periodically without any prior announcement.

These Terms of Use, in conjunction with any privacy policy published on the Website, represent the complete and exclusive agreement between you and Maplerate.ca concerning the Website and its Services, as well as any associated activities. Modifications to these Terms can only be made in writing, either through mutual consent signed by both parties or by a new version posted by Maplerate.ca.
If any provision within these Terms is deemed unlawful, void, or unenforceable, that specific clause will be severed, leaving the remaining provisions intact and enforceable. The failure of Maplerate.ca to exercise any right or enforce any provision in these Terms does not constitute a waiver of such rights, and any waiver must be documented in writing to apply to a specific instance outlined therein.
You may not assign or transfer any part of these Terms or your rights under them, whether voluntarily or through legal processes, without obtaining prior written approval from Maplerate.ca. These Terms of Use are governed by the laws of Ontario and the applicable federal laws of Canada, without regard to any conflict of law principles. Should any disputes arise, both parties agree to submit to the exclusive jurisdiction of the Courts of Ontario, specifically in the city of Ottawa.
For any questions, complaints, or claims regarding the Maplerate.ca App or Services, please reach out to us at: info@maplerate.ca.