Please read these Terms and Conditions ("Terms") carefully before using this website. By accessing or using YouCouldBeEarningMore.ca (the "Site"), you agree to be bound by these Terms. If you do not agree, please do not use this Site.
1. About This Website
YouCouldBeEarningMore.ca is an independent personal finance information website operated by JAGG Inc., a business operating in Ontario, Canada. The Site provides a credit card comparison tool, financial blog content, credit card information for Canadians, and other financial content.The Site earns revenue through affiliate referral commissions. When you click a link to apply for a credit card and your application is approved, JAGG Inc. may receive a commission from the card issuer or affiliate network. This does not affect any price you pay on credit card products. Credit card fees, interest rates, and terms are set entirely by the issuing financial institution.
2. Affiliate Disclosure
In compliance with the Competition Act (Canada) and applicable advertising standards, we are required to disclose the following:This Site contains affiliate links to third-party financial products.JAGG Inc. may earn a commission when you are approved for a credit card through a link on this Site.Affiliate relationships do not influence our tool's recommendations. Card recommendations are generated algorithmically based on the spend profile you enter.We may have affiliate agreements with some card issuers and not others. Cards without affiliate agreements may still appear in results but will not carry a referral link.
3. Not Financial Advice
The content on this Site — including the calculator results, card recommendations, reward estimates, and all editorial content — is provided for general informational and educational purposes only.
NOTHING ON THIS SITE CONSTITUTES FINANCIAL ADVICE, INVESTMENT ADVICE, OR A RECOMMENDATION TO ENTER INTO ANY FINANCIAL PRODUCT OR AGREEMENT.
Specifically:
- JAGG Inc. is not a registered financial advisor, mortgage broker, credit counsellor, or financial planner under any Canadian provincial or federal legislation.The calculator estimates are illustrative only.
- Actual rewards earned will depend on your specific card terms, spending habits, redemption methods, and other factors.
- We do not know your full financial situation, credit score, income, or existing obligations. No recommendation on this Site accounts for your personal financial circumstances.
- You should consult a qualified financial advisor before making any significant financial decision.
- Applying for a credit card may result in a hard credit inquiry that could temporarily affect your credit score.
4. Calculator Accuracy & Estimates
The 'You Could Be Earning More' calculator is a projection tool based on the spend ranges and card data you provide. By using the calculator, you acknowledge and agree that:
- All reward estimates are approximations based on the midpoints of spend ranges you select and publicly available earn rate data.
- Earn rates, annual fees, welcome bonuses, and other card terms change frequently.
- While we aim to keep data current, we do not guarantee that any card information displayed is accurate or up to date at the time of your visit.
- Point valuations (e.g., "1 point = approximately 1 cent") are estimates based on common redemption scenarios and do not represent guaranteed value.
- The income eligibility filter is a guidance tool only.
- Approval decisions are made solely by the issuing financial institution based on their own criteria, which may include credit score, income verification, existing debt, and other factors we cannot assess.
- We are not responsible for any financial decisions made based on the calculator's output.
5. No Guarantee of Credit Approval
A credit card recommendation on this Site does not constitute pre-approval, pre-qualification, or any representation that you will be approved for any credit product. Approval decisions rest entirely with the issuing financial institution. JAGG Inc. has no involvement in, and no influence over, any application or approval process.We are not liable for any declined applications, credit inquiries, or consequences arising from applications made through links on this Site.
6. Third-Party Links & Websites
This Site contains links to third-party websites, including financial institutions, affiliate networks, and other resources. These links are provided for your convenience only. JAGG Inc.:Does not control, endorse, or take responsibility for the content, privacy practices, or terms of any third-party website.Is not responsible for the accuracy of any information provided by a third party.Recommends you review the terms, conditions, and privacy policy of any website before submitting a credit application.Your relationship with any financial institution or issuer is governed solely by the terms of that institution. JAGG Inc. is not a party to any agreement between you and a card issuer.
7. Intellectual Property
All content on this Site — including the calculator design, text, graphics, logos, and code — is the property of JAGG Inc. or its licensors and is protected under applicable Canadian copyright and intellectual property laws.You may not reproduce, distribute, republish, scrape, mirror, or create derivative works from any content on this Site without prior written permission from JAGG Inc.Card names, logos, and trademarks referenced on this Site are the property of their respective owners. Their display on this Site does not imply any affiliation with or endorsement by those institutions beyond the affiliate relationships disclosed herein.
8. User Conduct
By using this Site, you agree not to:Provide false or misleading information in the calculator for the purpose of manipulating results.Use automated tools, bots, or scrapers to access or extract data from the Site.Attempt to interfere with the Site's functionality, security, or infrastructure.Use the Site for any unlawful purpose or in violation of these Terms.
9. Privacy & Email Communications
If you provide your email address, you agree to receive transactional emails containing your calculator results. You may also receive follow-up communications related to your results (such as a reminder emails if you have not yet applied).By submitting your email, you consent to receive these communications in accordance with Canada's Anti-Spam Legislation (CASL). You may unsubscribe at any time using the unsubscribe link in any email. We will not sell, rent, or share your email address with third parties for marketing purposes.
For full details on how we collect, use, and protect your information, please review our Privacy Policy.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, JAGG INC., ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES ARISING FROM:
- Your use of or reliance on this Site or its calculator results.
- Any credit card application made through links on this Site.
- Any inaccuracy in card data, earn rates, or reward estimates.
- Any declined credit application or resulting credit score impact.
- Any interruption, error, or unavailability of this Site.
This limitation applies regardless of whether JAGG Inc. was advised of the possibility of such damages.
Note: Some provinces do not allow the exclusion or limitation of certain damages. If you are in such a province, some of the above limitations may not apply to you.
11. Disclaimer of Warranties
THIS SITE AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
We do not warrant that the Site will be error-free, uninterrupted, secure, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or timeliness of any content on this Site.
12. Governing Law & Jurisdiction
These Terms are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.Any dispute arising from these Terms or your use of this Site shall be subject to the exclusive jurisdiction of the courts of Ontario, Canada. If you are accessing this Site from outside Canada, you do so at your own initiative and are responsible for compliance with applicable local laws.
13. Changes to These Terms
JAGG Inc. reserves the right to modify these Terms at any time. Changes will be effective upon posting to the Site with an updated "Last Updated" date. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.
14. Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable under applicable law, that provision will be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible. The remaining provisions will continue in full force and effect.
15. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and JAGG Inc. regarding your use of this Site and supersede all prior agreements and understandings relating to the same subject matter.
16. Contact Information
If you have questions about these Terms, please contact us at: justanothergrowthguy@gmail.com
JAGG Inc.