Terms of Use

Effective Date: December 18, 2025

These Terms of Use ("Terms") govern your access to and use of the NewsOnline website (the "Website"), including all content, features, and services available through it. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use the Website.

1. Acceptance of Terms

NewsOnline is a Canadian personal finance information resource. These Terms form a legally binding agreement between you ("User", "you") and NewsOnline ("we", "us", "our"). We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of the Website after changes constitutes acceptance of the revised Terms.

2. Eligibility

You must be at least 18 years old or the age of majority in your province or territory of residence to use the Website. By using the Website, you represent that you meet this requirement.

3. Permitted Use

The Website is for personal, non-commercial use only. You may view, read, and share content for informational purposes. You agree not to:

• Copy, reproduce, distribute, or create derivative works from content without express written permission
• Use automated tools (scrapers, bots, spiders) to access or collect data
• Interfere with Website functionality or security
• Upload harmful code or engage in denial-of-service attacks
• Use the Website for illegal purposes or to promote harmful activities

4. User Content

If you submit comments, feedback, or other materials ("User Content"), you grant NewsOnline a perpetual, royalty-free, worldwide license to use, modify, and display it. You are responsible for ensuring your User Content is lawful and does not infringe third-party rights.

5. Intellectual Property

All content on the Website—including articles, guides, tools, images, logos, and design—is owned by NewsOnline or licensed to us and protected by Canadian and international copyright, trademark, and other laws. Limited personal use is permitted, but commercial exploitation is prohibited without permission.

6. Third-Party Links and Services

The Website may contain links to third-party websites or services (e.g., insurers, banks). These are provided for convenience only. NewsOnline does not endorse and is not responsible for third-party content, privacy practices, or availability.

7. Affiliate Disclosure

NewsOnline participates in affiliate programs. Some links may earn us commissions at no extra cost to you. We disclose this transparently and only recommend products we believe in.

8. Disclaimer of Warranties

The Website and content are provided "as is" and "as available" without warranties of any kind, express or implied. We do not guarantee that the Website will be uninterrupted, error-free, or free of viruses. Information, including financial advice, is general and not personalized. You should consult licensed professionals before making decisions.

9. Limitation of Liability

To the fullest extent permitted by law, NewsOnline shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Website, even if advised of the possibility. Our total liability shall not exceed $100 CAD.

10. Indemnification

You agree to indemnify and hold NewsOnline harmless from any claims, losses, or damages arising from your violation of these Terms or use of the Website.

11. Termination

We may suspend or terminate your access at any time for any reason without notice.

12. Governing Law and Jurisdiction

These Terms are governed by the laws of Canada and the Province of Ontario. Any disputes shall be resolved in the courts of Toronto, Ontario.

13. Severability

If any provision is found invalid, the remainder shall continue in full force.

14. Contact Us

For questions about these Terms: legal@NewsOnline.ca

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