Last Updated: June 26, 2026
Please take a moment to read this page. It explains how to use the information on Finrate.ca and how we keep our platform online.
1. We Are Not Financial Advisors
Finrate.ca is an educational website. We are not licensed financial experts, mortgage brokers, tax accountants, or lawyers in Canada.
- Not Professional Advice: The facts and guides on our site are strictly for informational purposes. Every international student and newcomer faces a unique financial situation. Do not use our content as official financial or legal advice.
- Talk to an Expert: Before making big financial decisions, choosing a student credit card, or filing your taxes, always talk to a certified professional.
2. Canadian Money Rules Change Fast
Our team researches constantly to ensure our guides are accurate. However, interest rates, GIC payouts, banking fees, and Canadian tax laws change often.
- We cannot guarantee that every number or rule on our site is 100% accurate at the exact moment you read it. Always check the official details on bank websites or government portals (like the CRA or IRCC) before signing up for any service.
3. How We Pay Our Bills (Affiliate Disclosure)
Finrate.ca is completely free for our readers. We partner with select financial institutions to help pay for our website hosting and research tools.
- Affiliate Links: If you click on some of our links and open a bank account, sign up for a credit card, or buy a GIC, the company may pay us a small commission.
- Our Promise: This never costs you anything extra. More importantly, we only recommend financial tools that bring genuine value to international students. We never let partnerships change our reviews.
4. Use This Site At Your Own Risk
By using Finrate.ca, you agree that you are fully responsible for your own financial choices. Finrate.ca, its owners, and its writers are not legally or financially liable for any losses, penalties, or banking disputes you might face.
If you have questions about these disclaimers, email us at: legal@finrate.ca