1. Who We Are

Credit Pulse is an education-based cashback membership platform designed for Canadians. We provide access to financial education content, budgeting resources, credit education tools, membership materials, and eligible cashback benefits based on selected packages and completion of required steps.

Credit Pulse is not a lender, loan provider, credit card company, credit repair company, financial advisor, legal advisor, or financial product provider.

2. Information We Collect

When you use Credit Pulse, we may collect the following types of information:

• Personal Identification: Full name, email address, phone number, and mailing address provided during registration or checkout.
• Payment Information: Credit or debit card details processed through our secure third-party payment processor. We do not store full card numbers on our servers.
• Identity Verification Data: Documents or information provided to verify your identity as part of the cashback eligibility process.
• Usage Data: Information about how you interact with our website, including pages visited, time spent, clicks, and navigation paths.
• Device & Technical Data: IP address, browser type, operating system, device identifiers, and referral URLs collected automatically via cookies and server logs.
• Communications: Any messages, inquiries, or correspondence you submit through our contact form or support channels.

3. How We Use Your Information

We use the information we collect to:

• Process and fulfil your membership registration and package selection.
• Verify your identity and eligibility for cashback benefits.
• Process payments and manage billing.
• Deliver educational content, membership materials, and platform updates.
• Communicate with you about your account, orders, and support requests.
• Send promotional emails and offers (where you have consented).
• Analyze usage patterns to improve our website and services.
• Comply with legal obligations and enforce our Terms of Service.
• Detect, prevent, and address fraud or security issues.

4. Cashback & Verification

To process and fulfill cashback benefits, Credit Pulse may require identity verification. This may involve collecting a copy of a government-issued photo ID, proof of address, or other documentation as required to confirm eligibility and prevent fraudulent claims.

Verification documents are used solely for the purposes of confirming eligibility and are handled with strict confidentiality. They are not sold, rented, or shared with third parties except as required by law or to complete the verification process through authorized service providers.

Cashback amounts, eligibility conditions, timing, and results may vary. Completion of required educational steps is not a condition of cashback eligibility.

5. Payment Information

All payment transactions are processed through secure, PCI-DSS-compliant third-party payment processors. Credit Pulse does not store, transmit, or have access to your full credit or debit card number.

We retain limited payment-related data (such as the last four digits of your card, transaction IDs, and billing amounts) for the purposes of record-keeping, customer support, and dispute resolution.

6. Cookies & Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small text files stored on your device. We use them to:

• Remember your preferences and session state.
• Analyze traffic and usage patterns through analytics tools.
• Serve relevant content and improve site performance.

You may disable cookies through your browser settings, but doing so may affect the functionality of certain features on our website. By continuing to use our website, you consent to our use of cookies in accordance with this policy.

7. How We Share Your Information

Credit Pulse does not sell, rent, or trade your personal information to third parties. We may share your information only in the following limited circumstances:

• Service Providers: Trusted third-party vendors who assist us in operating our platform (payment processing, email delivery, identity verification, analytics) under strict confidentiality obligations.
• Legal Requirements: When required by law, regulation, court order, or government authority.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, your data may be transferred as part of that transaction.
• Fraud Prevention: To detect, investigate, or prevent fraudulent or illegal activity.
• With Your Consent: In any other case where you have explicitly authorized us to share your information.

8. Email & Communication

By providing your email address, you consent to receive transactional emails related to your account and membership (order confirmations, payment receipts, account updates). These communications are necessary to deliver our services and cannot be opted out of while you maintain an active account.

With your separate consent, we may also send marketing emails, newsletters, or promotional offers. You may opt out of marketing communications at any time by clicking the "Unsubscribe" link in any marketing email or by contacting us directly. Opting out of marketing emails will not affect transactional communications.

9. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include SSL/TLS encryption for data in transit, access controls, and secure server infrastructure.

However, no method of electronic transmission or storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. In the event of a data breach that affects your rights and freedoms, we will notify you as required by applicable law.

10. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, maintain your active membership, comply with legal obligations, resolve disputes, and enforce our agreements.

When your account is closed or your data is no longer required, we will securely delete or anonymize it in accordance with applicable privacy laws and our internal data retention schedules.

11. Your Privacy Rights

Depending on your province of residence, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request that we correct inaccurate or incomplete personal information.
• Deletion: Request that we delete your personal information, subject to legal retention requirements.
• Withdrawal of Consent: Withdraw consent for the processing of your personal information at any time, where processing is based on consent.
• Data Portability: Request your personal information in a structured, commonly used format where technically feasible.

To exercise any of these rights, please contact us at the details listed in Section 16. We will respond to your request within the timeframes required by applicable law.

12. Third-Party Links

Our website may contain links to third-party websites, tools, or resources that are not operated by Credit Pulse. We are not responsible for the privacy practices or content of those third-party sites. We encourage you to review the privacy policy of every website you visit. This Privacy Policy applies solely to information collected by Credit Pulse.

13. Children's Privacy

Credit Pulse is intended for adults aged 18 years or older. We do not knowingly collect personal information from individuals under the age of 18. If you believe that a minor has provided us with personal information, please contact us immediately and we will take steps to delete that information.

14. No Financial Services

Credit Pulse is an education-based membership platform only. Nothing on our website or in our membership materials constitutes financial advice, investment advice, credit counselling, debt management, legal advice, or any regulated financial service. The cashback benefits offered through our platform are a membership benefit and are not a financial product or investment return.

You should consult a licensed financial professional before making any significant financial decision.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Last Updated" date at the top of this page and, where appropriate, notify you by email.

Your continued use of our website and services after any changes to this Privacy Policy constitutes your acceptance of the revised policy. We encourage you to review this page periodically.

16. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us:

• Email: privacy@creditpulse.ca
• Mailing Address: Credit Pulse, Canada
• Contact Form: Visit our Contact page

We will respond to all privacy-related inquiries within 30 days.

1. Definitions

"Activation Date" means the date Credit Pulse confirms that an approved Membership is active.

"Applicant" or "you" means the individual who submits an Application and, after activation, the Member.

"Application" means the information, authorizations, documents, and verification steps submitted to request a Membership.

"Cashback" means the membership reward associated with the approved package, as stated in the Membership Summary.

"Credit Pulse," "we," "us," or "our" means the operator of the Credit Pulse website and membership platform identified in the Membership Summary or checkout confirmation.

"Member" means an Applicant whose Application has been approved and whose Membership has been activated.

"Membership" means fixed-term access to the applicable Credit Pulse package and its included services and benefits.

"Membership Summary" means the final electronic disclosure provided before activation showing the approved package, total price, taxes, instalment schedule, term, access period, Cashback amount, payment method, and other material terms.

"Services" means the website, membership platform, educational content, tools, savings resources, support, and other benefits included in a package.

"Successful Signup" means completion of all conditions in Section 7, resulting in an active Membership. Merely submitting an Application is not a Successful Signup.

"Website" means creditpulse.ca and any related Credit Pulse application or member portal.

2. Acceptance of These Terms and Electronic Agreement

By accessing the Website or submitting an Application, you agree to the provisions that apply to website use, privacy, communications, verification, fraud prevention, and the Application review. The Membership purchase, payment obligation, and Cashback provisions become binding only when a Successful Signup occurs, except for any separate authorization that expressly takes effect earlier.

You consent to transact electronically. Checking an acceptance box, clicking an acceptance button, signing electronically, or otherwise indicating agreement has the same legal effect as a handwritten signature, subject to applicable law.

You should save or print these Terms, the Privacy Policy, your Application consents, and your Membership Summary. Credit Pulse will provide an electronic copy of the completed agreement and transaction confirmation as required by law.

3. About Credit Pulse

Credit Pulse is an application-based, education-focused membership platform for eligible Canadian residents. Approved Members receive access to the educational content, budgeting and debt-organization tools, savings resources, partner offers, support features, and Cashback associated with the selected package.

Credit Pulse is not a bank, lender, loan broker, credit card issuer, credit bureau, investment dealer, credit repair company, or provider of legal, tax, investment, or individualized financial advice. A Membership is not represented as a loan or credit product, and Credit Pulse does not charge interest. Membership fees are the price of the package and Services described in the Membership Summary.

Credit Pulse uses an underwriting-style eligibility review to assess whether an Applicant qualifies for the requested Membership and payment schedule. That review does not by itself make the Membership a loan or guarantee that any regulator or court will characterize the arrangement in a particular way.

4. Applicant Eligibility

To apply, you must:

• be a resident of a Canadian province or territory in which Credit Pulse accepts applications;
• be at least 18 years of age;
• have the legal capacity to enter into a binding agreement;
• apply only for yourself and provide information that is accurate, complete, current, and not misleading;
• use only bank accounts, payment methods, contact information, and payout destinations that you are authorized to use;
• provide all consents and information reasonably required to complete the review; and
• not be prohibited from using the Services under applicable law.

Meeting the basic eligibility criteria does not guarantee approval. Credit Pulse may limit application availability by province, package, or operational capacity, subject to applicable law.

5. Membership Application and Underwriting Review

5.1 Application Process

The Application may request personal, contact, identity, employment, income, banking, payment, and reference information. Credit Pulse may also request supporting documents or clarification. An Application is incomplete until all required information and authorizations have been received.

You may withdraw an Application before Membership activation by contacting Credit Pulse. Withdrawal ends the review and no Cashback is earned. Credit Pulse may retain records as permitted or required by law, including records needed for fraud prevention, complaints, and legal compliance.

5.2 Underwriting and Eligibility Assessment

Credit Pulse underwriters may assess the Application using the information you provide and information obtained through authorized verification sources. The review may consider identity, residency, income deposits, employment, account ownership, transaction patterns, recurring obligations, returned or failed payments, affordability of the proposed payment schedule, inconsistencies, fraud indicators, prior dealings with Credit Pulse, and other factors reasonably connected to Membership eligibility and payment administration.

Credit Pulse may approve the requested package, offer a different package or payment schedule, request additional information, place the Application on hold, or decline it. Any different offer requires your acceptance before activation. Credit Pulse is not obligated to approve an Application merely because a package was selected or an initial verification was completed.

Credit Pulse will not make an eligibility decision on a prohibited discriminatory basis. Where applicable law requires a notice, explanation, or reconsideration process, Credit Pulse will provide it.

5.3 Incomplete, Inaccurate, or Expired Applications

Credit Pulse may close or decline an Application that is incomplete, cannot be verified, contains materially inaccurate or misleading information, presents a security or fraud concern, or remains inactive beyond a reasonable period. You may be required to submit a new Application if information has changed or the original Application expires.

6. Verification and Applicant Consent

6.1 Identity and Contact Verification

Credit Pulse may verify your name, date of birth, address, telephone number, email address, government-issued identification, device information, and other identifiers. We may use document verification, knowledge-based questions, one-time passcodes, database checks, or other reasonable methods.

6.2 Instant Bank Verification

Credit Pulse may require you to connect an eligible Canadian bank account through an instant bank verification provider. The information made available may include account ownership, account type, balances, income deposits, transaction history, recurring obligations, returned items, overdrafts, and other account activity reasonably relevant to the eligibility review, payment administration, fraud prevention, and Cashback processing.

You authorize your financial institution and the verification provider to make the relevant account information available to Credit Pulse for these purposes. Credit Pulse will not ask you to send your online-banking password directly to Credit Pulse. If credentials or another authentication method are required by the verification provider, they are entered through that provider's interface and are handled under the provider's terms and privacy practices.

If you do not complete required bank verification, revoke access before the review is complete, or connect an account that cannot be verified, Credit Pulse may be unable to approve or administer the Membership.

6.3 Employment and Income Verification

Credit Pulse may contact your employer, payroll department, income source, or another person or organization reasonably necessary to verify employment status, job title, length of employment, income amount, pay frequency, expected pay dates, and related information provided in the Application. You authorize those parties to disclose relevant verification information to Credit Pulse or its verification agent, although they are not required to do so where law or policy prevents disclosure.

Credit Pulse will limit its inquiries and disclosures to what is reasonably necessary for verification and will not intentionally disclose your detailed banking activity, selected Cashback amount, or other unrelated financial information to an employer.

6.4 Reference Verification

Credit Pulse may contact the personal or professional references you provide to confirm your identity, contact information, relationship to the reference, or other information relevant to the Application. By providing a reference's information, you represent that you have informed the reference and are authorized to provide their contact information for this verification purpose.

A reference is not a guarantor and is not responsible for your Membership fees unless the reference separately enters into a written agreement expressly creating that obligation. Credit Pulse will not use references for collection contact merely because they were listed in the Application, except as permitted by applicable law and a separate lawful basis.

6.5 Credit Bureau Inquiries

Credit Pulse does not conduct a credit bureau inquiry as part of its standard Membership review. If Credit Pulse proposes to obtain a consumer credit report or perform a credit bureau inquiry in the future, it will provide a separate clear disclosure and obtain any consent required by law before doing so.

6.6 Verification Results and Further Information

Verification information may be compared with the Application and with other authorized sources. Credit Pulse may request updated information if records are inconsistent, incomplete, stale, or reasonably suspected to be inaccurate or fraudulent. Providing false or altered documents may result in denial, termination, and other action permitted by law.

6.7 Withdrawal of Consent

You may withdraw consent to optional collection, use, or disclosure by contacting Credit Pulse. Some verification is necessary to assess and administer the Membership. Withdrawing necessary consent before approval may result in closure or denial of the Application; withdrawing it after activation may prevent Credit Pulse from providing certain Services, processing Cashback, or administering the payment arrangement. Withdrawal does not affect processing already lawfully completed and is subject to legal retention requirements.

7. Approval, Membership Activation, and Successful Signup

7.1 Approval Is Conditional Until Activation

An indication that you may qualify, a preliminary approval, a package selection, or a request for payment information is not final approval. Approval is final only when Credit Pulse issues or displays the final Membership Summary and confirms activation.

7.2 Successful Signup

A Successful Signup occurs only when all of the following have occurred:

• you submitted a complete Application and all required consents;
• Credit Pulse completed the required underwriting and verification review;
• Credit Pulse approved a package and payment schedule;
• you reviewed and accepted the final Membership Summary, these Terms, and the Privacy Policy;
• you provided a valid payment authorization and payout destination;
• any amount expressly shown as due before or at activation was successfully processed or otherwise accepted by Credit Pulse; and
• Credit Pulse confirmed that the Membership is active.

The Activation Date is the date of the Successful Signup and the date on which digital Membership access is supplied, unless the Membership Summary states a later supply date.

7.3 Declined Applications

If an Application is declined or closed before activation, no Membership is created, no future Membership installments are due, and no Cashback is earned. Any temporary payment authorization that was not captured should be released in accordance with the payment provider's procedures. A declined Applicant may reapply only if invited or if Credit Pulse permits a new Application.

8. Membership Packages, Term, and Access

Available packages, benefits, Membership price, Cashback amount, taxes, payment frequency, number and amount of instalments, Membership term, access period, and supply date will be disclosed in the Membership Summary before activation. The Membership Summary controls if a package detail displayed elsewhere on the Website conflicts with the final approved terms.

Unless the Membership Summary expressly states otherwise, a Membership is a fixed-term purchase paid either in full or by instalments. Instalment billing does not convert the fixed package price into an automatically renewing subscription. The Membership will not automatically renew unless that feature is separately and clearly disclosed and you expressly agree to it.

Membership access is personal, limited, revocable, non-transferable, and for non-commercial use. Access starts on the Activation Date and continues for the access period stated in the Membership Summary, subject to payment, these Terms, and applicable law.

9. Membership Fees and Payment Authorization

9.1 Price Disclosure

Before activation, Credit Pulse will disclose the total Membership price, applicable taxes, all mandatory charges, the amount and due date of each instalment, the payment method, and the Services supplied. All amounts are in Canadian dollars unless clearly stated otherwise.

Amounts shown as daily equivalents are illustrations only and are not daily charges. Where equal instalments cannot exactly equal the total price because of rounding, the final instalment may be adjusted by a few cents, as disclosed in the payment schedule.

9.2 Payment Authorization

By accepting the Membership Summary and providing payment information, you authorize Credit Pulse and its payment processor to charge or debit the disclosed amounts on the disclosed dates using the approved payment method. This authorization continues until all scheduled amounts are paid, the authorization is lawfully revoked, or the agreement is cancelled in a manner that ends future payment obligations.

If payment is made by pre-authorized debit or another payment method subject to separate rules, the applicable authorization and cancellation rights form part of the agreement.

9.3 Your Payment Responsibilities

You must keep payment and contact information current and ensure that the authorized account can accept scheduled charges. You must promptly notify Credit Pulse of an unauthorized transaction, account closure, or change that may affect payment processing.

A failed or missed payment does not retroactively cancel Cashback validly earned at a Successful Signup. It also does not cancel the fixed Membership price or amounts otherwise due. Subject to applicable law, Credit Pulse may retry a payment, request another payment method, suspend access, terminate Services, or take reasonable collection action. Any returned-payment fee must have been clearly disclosed and must be permitted by law.

9.4 Payment Processor

Payments are processed by third-party providers. Credit Pulse generally receives transaction information, such as status, amount, date, payment token, and limited account details, rather than complete card credentials. Payment providers may apply their own terms and privacy practices.

10. Cashback Reward

10.1 When Cashback Is Earned

Submitting an Application, completing bank verification, receiving a preliminary approval, or selecting a package does not by itself earn Cashback. Cashback is earned only after final underwriting approval and Membership activation under Section 7.

10.2 Cashback Processing and Delivery

After Cashback is earned, Credit Pulse may require reasonable payout, identity, anti-fraud, payment-authorization, tax, and security checks before sending it. You must provide an eligible payout destination in your name and complete reasonable instructions. Processing may be delayed while information is incomplete, inconsistent, under investigation, or while a provider or financial institution reviews the transaction.

Credit Pulse will communicate the approved Cashback amount and available processing information. Processing times may vary and are not guaranteed unless a specific deadline is included in the Membership Summary or required by law. A processing delay does not reduce the amount earned.

10.3 No Course-Completion or Future-Payment Condition

Educational content is an included Membership benefit. Completing courses, lessons, quizzes, worksheets, or other educational steps is encouraged but is not a condition for earning Cashback. A future Membership instalment that has not yet become due is also not a condition for earning Cashback.

10.4 Invalid or Fraudulent Signup

Credit Pulse may withhold, reverse, cancel, or recover Cashback only where reasonably necessary and permitted by law because:

• the Application, verification, payment authorization, or payout request was fraudulent, materially misleading, duplicated, automated, unauthorized, or made using another person's identity, bank account, payment method, or information without authority;
• the Applicant was not eligible or the Successful Signup was created because of a material error that the Applicant knew or reasonably should have known about;
• an amount required before or at activation was reversed, charged back, refunded, or never settled;
• Credit Pulse cannot lawfully make the payment or cannot verify the Member or payout destination after reasonable attempts;
• the Membership transaction is lawfully rescinded, declared void, or unwound; or
• the Member materially manipulates or abuses the Cashback program.

Credit Pulse will not forfeit earned Cashback solely because a Member has not completed educational content or because a later instalment is unpaid. Payment default may be addressed separately under Section 9. Before making a final adverse Cashback decision, Credit Pulse may request information and will provide any notice required by law.

10.5 Nature of Cashback

Cashback is a promotional Membership reward associated with the approved package. It is not interest, a loan advance, a deposit, an investment return, wages, credit, or guaranteed income. Cashback does not reduce the Membership price unless the Membership Summary expressly states that it will be applied as a credit.

11. Educational Content and Other Benefits

Credit Pulse provides general educational information about personal finance, credit awareness, budgeting, saving, debt organization, and financial wellness. Packages may also include templates, tools, coupon or savings resources, partner offers, priority support, or other benefits described in the Membership Summary.

Educational content is general information and is not individualized financial, legal, tax, investment, insolvency, debt-management, or credit-repair advice. Credit Pulse does not guarantee a credit-score increase, debt reduction, savings amount, approval for any financial product, employment income, business income, or other financial result. You remain responsible for your decisions and should consult a qualified professional where appropriate.

Coupon values and partner offers may be based on potential aggregate savings and may require separate purchases, eligibility, location, expiry dates, or third-party terms. Credit Pulse does not guarantee that every Member will use or realize the stated potential value.

12. Accounts and Member Responsibilities

You must maintain accurate account information, protect login credentials and verification codes, and promptly report suspected unauthorized access. You are responsible for activity conducted through your account unless caused by Credit Pulse's failure to use reasonable safeguards.

You may not transfer, sell, share, or sublicense your account, Membership, Cashback entitlement, or platform access. Credit Pulse may require re-verification before changing sensitive account, banking, payment, or payout information.

13. Communications and Electronic Records

You consent to receive transactional communications necessary to process and administer the Application and Membership, including verification requests, approval or decline notices, Membership documents, payment reminders and receipts, security notices, service updates, support messages, and Cashback status communications, by email, SMS, telephone, or portal message using the contact information you provide.

Marketing communications require any consent required by law and may be unsubscribed from without cancelling necessary transactional communications. Standard message and data rates may apply.

Electronic records and notices are considered delivered when sent to the email address, phone number, or account inbox on file, subject to applicable law. You must keep that information current.

14. Cancellation, Refunds, and Statutory Rights

Membership purchases are generally non-refundable once educational content has been accessed or the cashback verification process has been initiated. If you wish to cancel your membership before accessing any content, please contact us within 48 hours of purchase.

Cancellation of your membership will result in the termination of your access to platform content and forfeiture of any pending cashback benefits. Any outstanding instalment payments remain due and payable upon cancellation.

Credit Pulse reserves the right to cancel or suspend your membership at any time for breach of these Terms of Service, fraudulent activity, or failure to make required payments, without refund of fees paid.

15. Suspension and Termination

Credit Pulse may restrict, suspend, or terminate an Application, account, or Membership for a material breach of these Terms, fraud or identity risk, unlawful conduct, abuse of the platform, a security threat, failure to complete necessary verification, or failure to pay amounts due, subject to applicable law.

Where reasonably possible, Credit Pulse will provide notice and an opportunity to correct a remediable issue. Immediate action may be taken for fraud, security, illegal activity, or serious harm. Termination does not eliminate accrued payment obligations, refund rights, earned Cashback rights, or provisions intended to survive termination.

16. Privacy and Personal Information

Credit Pulse's collection, use, disclosure, safeguarding, retention, and disposal of personal information are governed by the Privacy Policy and applicable privacy law. Financial records, identity documents, income information, and bank-transaction information are sensitive and will be handled with safeguards appropriate to their sensitivity.

Credit Pulse may disclose relevant information to authorized service providers for bank verification, identity verification, employment or reference verification, payment processing, payout delivery, communications, hosting, analytics, security, fraud prevention, customer support, legal compliance, and professional advice. Providers may process information in Canada or other jurisdictions disclosed in the Privacy Policy.

Credit Pulse does not sell personal information. You may request access or correction, ask privacy questions, or withdraw consent where applicable by contacting privacy@creditpulse.ca. Some records must be retained for legal, regulatory, accounting, fraud-prevention, complaint, or dispute purposes.

17. Third-Party Providers and Links

The Services may rely on third-party bank-verification, identity-verification, payment, payout, communications, hosting, analytics, course-delivery, and savings-offer providers. Their services may be subject to separate terms and privacy notices. Credit Pulse is responsible for selecting and overseeing providers as required by law but does not control every interruption, bank decision, payment-network delay, or third-party system.

The Website may link to third-party websites or offers. A link does not imply endorsement unless stated. Credit Pulse is not responsible for third-party content, products, availability, pricing, or privacy practices.

18. Intellectual Property

The Website, platform, branding, software, educational content, videos, text, graphics, worksheets, templates, databases, and other materials are owned by Credit Pulse or its licensors and are protected by intellectual property law.

During an active Membership, Credit Pulse grants you a limited, personal, non-exclusive, non-transferable, revocable licence to access and use included materials for your own non-commercial educational purposes. You may not copy, reproduce, publish, distribute, resell, sublicense, scrape, modify, remove notices from, create derivative works from, or commercially exploit the materials without written permission, except where law permits.

19. Acceptable Use

You must not:

• submit false, altered, incomplete, or misleading information or documents;
• impersonate another person or use an account, bank account, payment method, payout destination, employer, or reference without authorization;
• create duplicate Applications or accounts to obtain multiple Cashback rewards where not expressly permitted;
• circumvent underwriting, identity, bank, employment, reference, payment, security, or Cashback controls;
• use the Website or Services for unlawful, abusive, deceptive, or fraudulent purposes;
• interfere with the platform, introduce malicious code, probe security, scrape data, or gain unauthorized access;
• harass, threaten, abuse, or impersonate staff, providers, Members, employers, or references; or
• resell or commercially exploit Membership access or content.

A breach may result in action under Sections 10 and 15 and may be reported to affected institutions or authorities where permitted or required by law.

20. Disclaimers

TO THE FULLEST EXTENT PERMITTED BY LAW, THE WEBSITE, SERVICES, CONTENT, TOOLS, AND THIRD-PARTY INTEGRATIONS ARE PROVIDED "AS IS" AND "AS AVAILABLE." CREDIT PULSE DOES NOT GUARANTEE THAT THEY WILL ALWAYS BE UNINTERRUPTED, ERROR-FREE, SECURE, CURRENT, COMPLETE, OR SUITABLE FOR EVERY MEMBER.

Credit Pulse does not guarantee Application approval, a particular package, a specific Cashback processing date, continued availability of a provider or partner offer, or any financial or credit outcome. Nothing in these Terms excludes a warranty, condition, representation, remedy, or consumer right that cannot lawfully be excluded.

21. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CREDIT PULSE AND ITS DIRECTORS, OFFICERS, EMPLOYEES, CONTRACTORS, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, OPPORTUNITY, DATA, EXPECTED SAVINGS, EXPECTED CREDIT IMPROVEMENT, OR EXPECTED FINANCIAL BENEFIT, ARISING FROM OR RELATING TO THE WEBSITE, APPLICATION, MEMBERSHIP, OR THESE TERMS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREDIT PULSE'S TOTAL AGGREGATE LIABILITY ARISING FROM A MEMBERSHIP WILL NOT EXCEED THE MEMBERSHIP FEES ACTUALLY PAID BY THE MEMBER IN CONNECTION WITH THAT MEMBERSHIP, PLUS ANY EARNED CASHBACK THAT CREDIT PULSE IS LEGALLY REQUIRED TO PAY AND HAS NOT PAID.

These limitations do not apply to liability that cannot lawfully be limited, including liability for fraud, wilful misconduct, gross negligence where the law prohibits limitation, privacy breaches where limitation is prohibited, bodily injury caused by negligence, or breach of non-waivable consumer rights.

22. Changes to the Services or These Terms

Credit Pulse may update the Website, Services, package availability, providers, and these Terms prospectively. The "Last updated" date identifies the current version. Changes for new Applications may take effect when posted.

A material change will not retroactively increase the fixed Membership price, reduce Cashback already earned, or remove a material benefit already purchased unless you agree or applicable law permits the change. Credit Pulse will provide notice and obtain consent where required by law.

23. Governing Law, Complaints, and Disputes

These Terms are governed by the laws of the Canadian province or territory in which you reside and the federal laws of Canada applicable there, without excluding any mandatory consumer protection or privacy law that applies to you.

Please first contact Credit Pulse so we can try to resolve a complaint. Nothing in these Terms prevents you from contacting a consumer protection authority, privacy commissioner, payment provider, financial institution, court, or other regulator or dispute-resolution body available under law.

Any court proceeding may be brought in a court of competent jurisdiction as permitted by applicable law. These Terms do not require mandatory arbitration, waive a class proceeding, or restrict a statutory complaint right unless a separate valid agreement expressly provides otherwise and the law permits it.

24. General Provisions

Entire Agreement. These Terms, the Privacy Policy, Application consents, Membership Summary, payment authorization, and any document expressly incorporated into them are the entire agreement concerning the Membership and replace prior inconsistent representations about the same subject. A clear representation that applicable law requires Credit Pulse to honour is not excluded by this clause.

Order of Precedence. If documents conflict, the Membership Summary controls package-specific price, payment, term, access, and Cashback details; a separate payment authorization controls the payment method; the Privacy Policy controls privacy practices; and these Terms control general use. Mandatory law always prevails.

Severability. If a provision is invalid or unenforceable, it will be limited or severed only to the minimum extent necessary, and the rest will remain effective.

No Waiver. A delay or failure to enforce a provision is not a waiver. A waiver must be in writing and applies only to the specific matter stated.

Assignment. You may not assign or transfer the Application, Membership, account, or Cashback entitlement without written consent. Credit Pulse may assign the agreement in connection with a reorganization, financing, merger, sale, or transfer of the business, subject to applicable law and without reducing your rights.

Survival. Provisions concerning payment obligations, Cashback disputes, privacy, intellectual property, disclaimers, liability, dispute resolution, and general interpretation survive termination to the extent necessary.

Language. You confirm that you have requested that these Terms and related documents be prepared in English, unless applicable law requires or you and Credit Pulse agree to another language. Vous confirmez avoir demandé que les présentes conditions et les documents connexes soient rédigés en anglais, sauf exigence contraire de la loi applicable ou entente différente avec Credit Pulse.

25. Contact Information

Questions, legal notices, cancellation requests, complaints, and concerns about these Terms may be directed to:

Mailing address: the legal business name and mailing address identified in your Membership Summary and transaction confirmation. Website: creditpulse.ca.

Schedule A - Current Membership Package Reference

The following package amounts reflect the Website as of the Last Updated date. They may change for future Applications. Your final Membership Summary will state the controlling package price, taxes, instalment schedule, term, access period, and Cashback amount before activation.

*Before applicable taxes. The total price, taxes, precise instalment amounts and dates, and any rounding adjustment will be shown in the Membership Summary. Cashback is earned only after underwriting approval and Membership activation, as defined in Sections 7 and 10.