By accessing and using cardpiq.com, you accept and agree to the following strict Terms and Conditions. If you do not agree with any part, please discontinue use of this website.
1. Acceptance of Terms
Use of this site constitutes your full acceptance of these Terms and Conditions and any policies referenced herein. These terms may be updated at any time, with changes effective upon posting. Continued use of the website after changes constitutes acceptance.
2. Website Purpose and Content
cardpiq.com provides information on the PC Financial MasterCard and related Canadian financial topics for general informational purposes only. Content is collected from official and third-party sources but does not guarantee the accuracy, completeness, or timeliness of any information presented. No official relationship with PC Financial, Loblaws Inc., or financial institutions exists.
3. Intellectual Property
All original content (text, graphics, logos, design) is the property of cardpiq.com and protected by copyright law. Visitors may not duplicate, distribute, sell, or commercially exploit any content without prior written consent, except as permitted by law (e.g., for personal use).
4. Use of Website
You agree to use this website lawfully and not to:
- Violate any applicable laws or regulations.
- Upload malicious code, viruses, or attempt unauthorized access.
- Post or transmit defamatory, obscene, or infringing materials.
- Impersonate any person or misrepresent your affiliation.
We reserve the right to restrict or terminate access to users who violate these Terms.
5. User-Generated Content
If you submit comments or content:
- You grant cardpiq.com a worldwide, royalty-free, perpetual license to use, display, reproduce, and distribute your submissions.
- We reserve the right to moderate or remove any content at our discretion.
6. Third-Party Links and AdSense
This website displays advertisements via Google AdSense and may link to third-party sites. We have no control over, and assume no responsibility for, the content, privacy practices, or accuracy of any external site or ad. You access external links at your own risk.
7. Limitation of Liability
All content is provided “as is” and without warranties of any kind. cardpiq.com, its owners, and contributors expressly disclaim all liability for any errors, omissions, or damages resulting from your use of this website, including reliance on information for financial decisions. No warranties, either express or implied, are made regarding the information, products, or services provided.
8. Indemnification
You agree to indemnify and hold harmless cardpiq.com and its affiliates from any claims, damages, liabilities, or expenses resulting from your violation of these Terms or misuse of the website.
9. Privacy and Cookies
Use of the site is also governed by our Privacy Policy, including Cookie Policy, which explains how personal data and cookies are collected, used, and protected.
10. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario, Canada, and applicable federal law. All disputes shall be subject to the exclusive jurisdiction of the courts located in Ontario, Canada.
11. Termination
We reserve the right, at our sole discretion, to restrict, suspend, or terminate your access to any part or all of the Site at any time, with or without notice, for any or no reason.
12. Modification of Terms
We may revise these Terms at any time. It is your responsibility to review the Terms regularly. Continued use of the Site after changes are posted constitutes your acceptance of the changes.
13. Contact Information
For any questions, concerns, or requests regarding these Terms and Conditions, please contact us via the information provided on our Contact Us page.
By continuing to use cardpiq.com, you acknowledge and agree to abide by these strict Terms and Conditions and recognize your responsibilities and risks as a website user.