Terms & Conditions

Effective Date: March 1st, 2026
Last Updated: March 3rd, 2026​

Welcome to Friendly Finance (“we”, “us”, “our”, or “FriendlyFinance.ca”). These Terms and Conditions (“Terms”) govern your access to and use of the FriendlyFinance.ca website, any content, tools, features, products, and services provided by us (collectively, the “Website” and “Services”). By accessing or using the Website or Services, you agree to be bound by these Terms. If you do not agree, you must not use or access the Website.

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1. About Us

This Website is owned and operated by Friendly Finance. The Website provides financial information, guidance, comparison tools, and may include referrals to third-party financial products or services. These Terms are a legally binding agreement between you and Friendly Finance regarding your use of the Website.

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2. Eligibility

To use our Website and Services:

• You must be at least 18 years old or the age of majority in your jurisdiction;

• You must have the legal capacity to enter into these Terms; and

• You must comply with all applicable local, provincial, and federal laws.
  Users prohibited from accessing or using the Website include anyone barred by law from using financial information or services.

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3. Use of the Website and Services

3.1 License

We grant you a limited, non-exclusive, non-transferable, revocable license to use the Website and related content in accordance with these Terms.

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3.2 User Conduct

You agree not to:

• violate any laws, regulations, or these Terms;

• use the Website for unauthorized or harmful purposes;

• interfere with or disrupt the Website’s servers, security, or integrity;

• copy, reproduce, distribute, or exploit content in any unauthorized way.

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4. Commercial Terms & Financial Services

4.1 Services Description

Friendly Finance may offer access to financial information, comparisons, and links to third-party financial products, loan providers, or services. We are not a lender, creditor, broker, or financial institution unless explicitly stated otherwise. Any financial decisions you make based on information from this Website are at your own risk.

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4.2 Fees & Pricing

Any services that carry a fee will be clearly described before purchase. Fees, pricing, and payment terms will be disclosed on the relevant page prior to your purchase or subscription.

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4.3 Refunds & Cancellations

Refund and cancellation policies will be provided on the service or product pages themselves and, where required, in a separate refund policy document.

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5. Changes to Services & Terms

We reserve the right to:

• modify, suspend, or discontinue any aspect of the Website or Services at any time;

• update or revise these Terms at our sole discretion.

When changes to Terms are material, we will notify you by updating the “Last Updated” date and posting the revised version. Continued use after changes means you accept the new Terms.

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6. Intellectual Property

All content on this Website, including text, graphics, logos, images, software, and other material (“Content”), is owned by or licensed to Friendly Finance and protected by intellectual property laws. You may only use Content as expressly allowed under these Terms and may not reproduce, copy, distribute, or create derivative works without prior written consent from us.

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7. Disclaimers & No Warranties

The Website and Services are provided “AS IS” without warranties of any kind, whether expressed or implied. We do not guarantee the accuracy, reliability, completeness, or timeliness of any Content. Your use of the Website is at your own risk, and we disclaim all warranties to the fullest extent permitted by law.

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8. Limitation of Liability

To the fullest extent permitted by applicable law, neither Friendly Finance nor its affiliates shall be liable for any indirect, incidental, consequential, special, or punitive damages arising out of your use of the Website, including loss of profits, data, or business opportunities, even if not advised of the possibility of such damages.

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9. Indemnification

You agree to indemnify, defend, and hold harmless Friendly Finance and its officers, directors, employees, agents, and partners from any claims, liabilities, losses, damages, costs, and expenses (including reasonable legal fees) arising from:

• your use of the Website or Services;

• your violation of these Terms; or

• your violation of any applicable law or third-party rights.

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10. Governing Law & Dispute Resolution

These Terms are governed by the laws of Canada, and the laws of the province in which Friendly Finance operates (e.g., Quebec, Canada). Any dispute arising from these Terms will be resolved in the courts of that jurisdiction.

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11. Notices & Contact Information

For questions, support, or legal notices regarding these Terms, please contact us:

Friendly Finance
Email: friendly.finance.education@gmail.com
 

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12. Additional Provisions

If you receive promotional emails from us, you may opt out at any time by following the unsubscribe instructions included in the messages or by contacting us directly.

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Thank you for using FriendlyFinance.ca.