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These terms govern your use of FinlyWealth — your account, our services, payments, communications, and how we handle disputes. Please read carefully before using the site.
Last updated August 19, 2026
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By accessing this website and any of its associated websites or mobile applications (collectively, the "Site"), you acknowledge these terms and conditions of use ("Terms") and agree to be bound by them. If you do not agree to these Terms, please discontinue accessing the Site immediately.
These Terms form a binding legal agreement between you and Finly Technology Corp., a corporation organized under the laws of British Columbia, Canada, operating under the trade name "FinlyWealth" ("FinlyWealth," "we," "us," or "our").
You must be the age of majority in your province or territory of residence (19 in British Columbia, Nova Scotia, New Brunswick, Newfoundland and Labrador, Northwest Territories, Nunavut, and Yukon; 18 in all other Canadian provinces) to use the Site or participate in our rebate, cashback, or promotional programs. By using the Site, you represent and warrant that you meet this requirement.
We reserve the right, in our sole discretion, to modify, alter, or otherwise update these Terms at any time. We will provide notice of material changes by posting the updated Terms on the Site and updating the "Last updated" date. Your continued use of the Site following such changes constitutes your acceptance of the modified Terms.
FinlyWealth is an affiliate marketing platform. We earn compensation through affiliate, referral, and partnership arrangements with financial institutions, credit card issuers, banks, and other third-party companies whose products or services we feature on the Site.
You should assume that:
This disclosure is provided in accordance with guidance from the Competition Bureau of Canada and the U.S. Federal Trade Commission regarding material connections in advertising.
FinlyWealth is not a bank, credit union, trust company, securities dealer, registered investment advisor, mortgage broker, insurance broker, or other regulated financial institution, and is not registered as such with any provincial or federal regulator in Canada or any other jurisdiction.
The Site is intended to provide general information only and is neither an offer to sell nor a solicitation of an offer to purchase any security, financial product, or service, and may not be relied upon for investment, tax, legal, accounting, or other professional advice.
Any commentary, rankings, reviews, recommendations, rebates, or information contained on the Site should not be considered personal financial, investment, tax, legal, or accounting advice. You should consult with a qualified professional advisor with respect to your particular circumstances before making any financial decision.
By accessing and using FinlyWealth, including but not limited to engaging with our credit card recommendations, rankings, reviews, rebates, and any related services, you expressly acknowledge and accept that all such interactions are governed by these Terms. We encourage you to familiarize yourself with these Terms, which detail your rights and responsibilities, as well as ours, in the provision and use of the content on FinlyWealth.
The Site is provided on an "as is" and "as available" basis, without any representations, warranties, or conditions of any kind, whether express or implied, including without limitation implied representations, warranties, or conditions of title, non-infringement, merchantability, fitness for a particular purpose, performance, durability, availability, timeliness, accuracy, or completeness, all of which are hereby disclaimed by FinlyWealth to the fullest extent permitted by law.
Every effort has been made to ensure that the material contained on the Site is accurate at the time of publication. However, financial product terms, interest rates, fees, rewards, and eligibility requirements change frequently, and you should always verify product details directly with the issuer before applying.
To the maximum extent permitted by applicable law, FinlyWealth, its affiliates, agents, suppliers, and their respective directors, officers, and employees will not under any circumstances be liable to you or any other person for any loss or damages (direct, indirect, special, economic, incidental, consequential, punitive, or exemplary, including without limitation loss of revenue, data, anticipated profits, or lost business) in respect of:
Nothing in these Terms limits or excludes liability that cannot be limited or excluded under applicable law.
You agree to indemnify and hold harmless FinlyWealth and its agents, suppliers, and their respective directors, officers, and employees from and against any and all actions, proceedings, costs, claims, liabilities, damages, and expenses (including reasonable legal fees) arising from or in connection with: (a) your breach of these Terms; (b) your misuse of the Site; (c) your violation of any applicable law or the rights of any third party; or (d) any content you submit, post, or transmit through the Site.
The contents of the Site are protected by applicable copyright and trademark laws. Unauthorized use or exploitation of such content is strictly prohibited including, without limitation, unauthorized downloading, retransmission, storage in any medium, copying, redistribution, reproduction, or republication of the Site, or any part thereof, for any purpose.
The framing, mirroring, scraping, or data-mining of the Site or any of its content in any form and by any method is strictly prohibited.
Other sites accessed by hypertext appearing on the Site may have been independently developed by parties other than FinlyWealth. FinlyWealth does not guarantee the accuracy of information contained on such other sites.
Links to other sites should not be taken as FinlyWealth's endorsement or approval of such other sites, the third parties named therein, or their products and services, nor is any liability assumed for incompatibility, non-suitability, viral infection, or other destructive/disruptive components on or from such other sites.
Transactional emails. We use your email address to send messages essential to operating your account, including: account verification, password resets, and security alerts; updates about rebates you have earned, requested, or received; customer support responses; and notices about material changes to our services or these Terms. These messages are necessary to provide the service and are not subject to your marketing preferences.
Marketing emails. We send promotional emails — including our newsletter, offer announcements, product updates, and review-request campaigns — only with your separate express consent. You may grant or withdraw this consent at any time from your account's Communication Preferences page, by clicking the unsubscribe link in any marketing email we send, or by contacting us at support@finlywealth.com. Withdrawing marketing consent does not affect the transactional emails described above. We will action unsubscribe requests within 10 business days, as required under Canada's Anti-Spam Legislation ("CASL").
We maintain records of consent, including the date, time, and method by which consent was provided, in accordance with CASL requirements.
As part of our commitment to continuously improve our services and offerings, we may send you emails requesting reviews of your experiences with our services and products. These review requests are vital in helping us understand your needs better and to enhance our offerings accordingly.
To facilitate our review request campaigns, we may employ the services of third-party software, such as Trustpilot (https://trustpilot.com) or Trustindex (https://www.trustindex.io). They specialize in managing review campaigns, ensuring that your experience in providing feedback is seamless and effective. We only share your email address with trusted third-party service providers that adhere to our privacy standards and data protection policies.
Our collection, use, and disclosure of your personal information is governed by our Privacy Policy, which forms part of these Terms by reference. Our Privacy Policy describes how we comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws.
FinlyWealth cannot guarantee complete confidentiality or security for information that is transmitted electronically. By accessing the Site, you acknowledge that FinlyWealth is not responsible for any damages or losses you may suffer as a result of your electronic transmission of confidential or sensitive information to us.
We reserve the right to modify, update, suspend, or discontinue any cashback offers, rebates, or promotional rewards on a prospective basis, with reasonable notice where practicable. Changes will not retroactively reduce rebates already validly earned by users in accordance with the terms in effect at the time of the qualifying transaction, except as provided in sections 15.2, 15.3, 15.4, 15.7, and 15.9 below.
FinlyWealth may also suspend or terminate the rebate program in whole or in part, or cap the aggregate rebates payable per user, at any time on a prospective basis. Suspension, termination, or capping does not affect rebates that have fully vested under section 15.2 prior to the effective date of the change.
By participating in our rebate, cashback, or promotional programs, you acknowledge and agree to be bound by these Terms in their entirety.
Cashback and promotional rewards are valid based on the date of transaction completion, not the date of clicking on an offer or initiating a transaction. Eligibility for cashback and promotional rewards is determined at the time the transaction is finalized and subject to the terms and conditions in effect on that date.
A rebate is not earned, vested, or payable unless and until: (a) the qualifying transaction is confirmed and attributed to FinlyWealth by the applicable merchant or financial institution; (b) FinlyWealth actually receives the corresponding commission or compensation in respect of that transaction; and (c) any applicable validation, return, or chargeback period has expired. Until all of these conditions are met, any rebate amount displayed in your account is an estimate only and does not constitute a debt, obligation, or amount owed by FinlyWealth.
All rebates, cashback, and promotional rewards are conditional promotional incentives. Prior to satisfaction of all conditions in this section 15.2, FinlyWealth retains sole discretion to approve, adjust, or decline any rebate based on its internal records and the reporting of its merchant and financial-institution partners. Rebates, cashback, and promotional rewards are not deposits, wages, currency, or property, do not accrue interest, are not held in trust, are non-transferable, and have no cash value until actually paid to you.
Rebates depend on accurate tracking of qualifying transactions. The following may prevent a transaction from being tracked, and therefore from being eligible for a rebate:
We are not responsible for missed rebates resulting from any of the above. We recommend disabling conflicting tools and completing the transaction in a single browser session.
We may deny or void rebates, cashback, or promotional rewards on the following grounds:
We will provide a reason for any denial upon written request to support@finlywealth.com. FinlyWealth's determinations regarding eligibility, tracking, attribution, and rebate amounts are made based on its internal records and the reporting received from merchants and financial institutions, which shall be conclusive absent manifest error.
You agree to communicate with FinlyWealth staff in a respectful manner. Harassment, threats, abusive or profane language, repeated duplicate inquiries on the same matter, or knowingly false accusations directed at FinlyWealth or its personnel constitute a breach of these Terms.
Where we reasonably determine such conduct has occurred, we may, after one written warning: (a) restrict communication to a single written ticket or designated email channel; (b) limit response frequency to scheduled updates; or (c) suspend or terminate your account and future participation in our programs.
Suspension or termination under this section 15.5 does not affect rebates that have fully vested under section 15.2 prior to the termination date, which will be paid in the ordinary course. Pending, unvested rebates on an account terminated under this section will continue to be processed in accordance with partner reporting or, at our discretion, settled at their estimated value.
We may suspend, limit, or terminate your account and access to our rebate, cashback, or promotional programs if we reasonably determine that you have violated these Terms or engaged in conduct described in section 15.4. Where reasonably possible, we will provide notice and an opportunity to respond before termination, except in cases of suspected fraud or where required by law.
In the event of account termination for cause under section 15.4, we may void any pending or previously earned rebates, cashback, or promotional rewards related to the conduct giving rise to the termination. For terminations under section 15.5 (User Conduct and Communications), the treatment of rebates is governed by section 15.5.
We do not guarantee specific processing times for rebates or cashback payments. Processing times depend on confirmation from merchants and financial institutions and typically range from 30 to 90 days from transaction completion and may be longer, as they depend on the confirmation and payment cycles of merchants and financial institutions.
If a user is approved for a rebate and does not add valid payment information within three (3) months of the approval date, and after we have sent at least one reminder notice to the email address on file, we reserve the right to terminate that rebate.
There is a 90-day review window from the application or transaction date for missing rebate claims. Claims submitted after this window will not be reviewed, and any associated rebate is deemed void. Claims should be submitted either via a ticket on here or directly via email to support@finlywealth.com with supporting documentation.
If a merchant or financial institution reverses, claws back, withholds, or fails to pay the compensation owed to FinlyWealth in respect of a transaction for which a rebate has been credited or paid, FinlyWealth may reverse or void the rebate, deduct the corresponding amount from pending or future rebates, or require repayment of amounts already paid.
FinlyWealth operates a referral program (the "Referral Program") under which a registered member (a "Referrer") may invite others (each a "Referred Member") to join FinlyWealth using a unique referral link or code (a "Referral Link"), and may earn a bonus calculated as a percentage of the base rebates earned by that Referred Member (a "Referral Bonus").
Participation in the Referral Program constitutes your acceptance of this Section 16. The program details published on our Refer Friends & Earn page — including the bonus percentage, the referral term, and the inclusion and exclusion lists — form part of these Terms and are incorporated by reference. Where those published details conflict with this Section 16, this Section 16 governs.
Referral Bonuses are rebates for the purposes of Section 15, and Section 15 applies to them in full, including without limitation section 15.2 (eligibility and vesting), 15.4 (denial), 15.6 (account restrictions), 15.7 (payment and processing), and 15.9 (reversals and clawbacks).
To participate you must hold an active FinlyWealth account in good standing and meet the eligibility requirements in Section 2.
Your Referral Link is personal to you and non-transferable. You may not sell, auction, licence, sublicense, syndicate, or otherwise commercialise your Referral Link, and you may not submit it to coupon, deal, cashback, voucher, or offer-aggregation sites without our prior written permission.
Self-referrals are not permitted. Creating or operating more than one FinlyWealth account, signing up through your own Referral Link, or arranging for a referral to be credited to you in respect of a person who is not independently and genuinely using the service, is a breach of these Terms. Bonuses arising from such activity earn no Referral Bonus and may be reversed under section 16.7.
Subject to vesting under section 15.2, a Referrer earns a Referral Bonus equal to the percentage published on our Refer Friends & Earn page of the base rebate paid on each eligible offer claimed by a Referred Member during the referral term.
"Base rebate" means the standard, advertised rebate amount FinlyWealth offers on a product, before and excluding any limited-time boost, Exclusive Offer top-up, partner-only welcome bump, or other promotional increase in effect at the time.
The referral term runs for the period published on our Refer Friends & Earn page, measured from the Referred Member's registration date. There is no dollar cap on Referral Bonuses and no cap on the number of persons you may refer; each Referred Member starts a fresh term.
No Referral Bonus is payable in respect of: rebates earned after expiry of the referral term; promotional or limited-time boosts; Exclusive Offer top-ups and partner-only welcome bumps; rebates declined, reversed, or clawed back by the issuer or merchant; products identified as referral-ineligible on the applicable offer page; and referrals that are void under section 16.2, 16.6, or 16.7.
A Referral Bonus is not earned, vested, or payable unless and until the underlying rebate has itself vested under section 15.2. Referral Bonuses are paid via Interac e-Transfer on the same schedule as rebates, to the Interac email address recorded in your FinlyWealth profile.
Participation in the Referral Program grants you no licence, right, title, or authority to use the FinlyWealth name, the marks "FinlyWealth" and "Finly", our logos, domain names, brand assets, site copy, screenshots, product imagery, or any other intellectual property of Finly Technology Corp., in any medium or for any purpose. Section 10 continues to apply in full.
You are not an agent, employee, partner, joint venturer, reseller, authorised representative, or affiliate of FinlyWealth. You must not represent, imply, or permit any impression that you are, that you are endorsed or sponsored by FinlyWealth, or that you are authorised to speak for FinlyWealth or to make representations about FinlyWealth, its rebates, or any financial product featured on the Site.
Any use of our marks requires our prior express written permission, which we may grant, condition, or withdraw at our sole discretion at any time. For the avoidance of doubt, nothing in the Referral Program qualifies a Referrer as a reseller, authorised affiliate, informational site, or any other category that would permit use of our marks under the trademark policy or advertising policies of any advertising platform.
You may share your Referral Link personally and organically — by message, email to your own contacts, social media, group chat, and within your own genuine content.
The following activities are prohibited and each constitutes a material breach of these Terms:
(a) Brand keyword bidding. Bidding on, purchasing, or otherwise targeting as a keyword or audience term — in any match type, including broad, phrase, exact, dynamic, and automatically generated targeting — the terms "FinlyWealth", "Finly", "finlywealth.com", "Finly Technology", any FinlyWealth product, offer, or campaign name, or any misspelling, spacing variant, transliteration, or otherwise confusingly similar term, on any search engine, marketplace, app store, social platform, advertising network, or demand-side platform, including without limitation Google Ads, Microsoft Advertising, Meta, TikTok, Reddit, Pinterest, LinkedIn, X, Snap, Amazon Ads, and Apple Search Ads.
(b) Brand in advertising creative. Using our marks or any confusingly similar term in any ad headline, description, callout, snippet, sitelink, image, video, audio, display URL, path field, tracking template, business name, advertiser name, page name, account name, or any other advertising asset or extension.
(c) Direct linking and destination use. Using finlywealth.com, any FinlyWealth URL, subdomain, or page, or any Referral Link, as the final URL, destination URL, display URL, deep link, or landing page of any paid advertisement, sponsored placement, sponsored listing, or paid social post; or routing paid traffic to any such URL through an intermediate page, link shortener, cloaking service, or redirect chain.
(d) Confusable properties. Registering, acquiring, or operating any domain, subdomain, social handle, application listing, email address, telephone line, or business name that contains or is confusingly similar to our marks; or operating any website, page, profile, or channel that could reasonably be mistaken for an official FinlyWealth property, support channel, or communication.
(e) Partner brand bidding. Running any paid campaign that targets the trademarks, brand names, product names, or branded search terms of any financial institution, issuer, merchant, or partner featured on the Site where any FinlyWealth URL or Referral Link is the destination, landing page, or display URL.
(f) Unsolicited and non-compliant messaging. Sending commercial electronic messages in breach of Canada's Anti-Spam Legislation or comparable law in any applicable jurisdiction; unsolicited bulk email, SMS, or direct messaging; and posting to forums, comment sections, review platforms, marketplaces, or communities in breach of that venue's rules.
(g) Traffic manipulation. Cookie stuffing, forced or auto-triggered clicks, automatic redirects, pop-ups, pop-unders, interstitials, iframes, hidden pixels, adware, browser extensions, toolbars, incentivised traffic, bot or automated traffic, click farms, or any other method by which a referral is recorded without a knowing and voluntary click by the Referred Member.
(h) Misrepresentation. Making any claim about FinlyWealth, our rebates, or any financial product featured on the Site that is false, misleading, unsubstantiated, or non-compliant with the Competition Act, guidance issued by the Financial Consumer Agency of Canada, or applicable advertising standards; or guaranteeing approval, eligibility, pricing, or rebate amounts.
(i) Residual. Any other activity that we reasonably determine is contrary to the intent of the Referral Program, or that exposes FinlyWealth to liability, regulatory scrutiny, reputational harm, or the impairment, suspension, or loss of a partner or affiliate relationship.
These prohibitions apply whether the activity is carried out by you directly or by any person acting on your behalf, at your direction, or with your knowledge, and whether or not you are the account holder of the advertising account concerned.
A referral is recorded only where the Referred Member arrives at the Site through a genuine, organic, member-initiated click on a Referral Link.
We operate automated screening on inbound traffic. No referral will be recorded and no Referral Bonus will accrue where the session in which a Referral Link is used exhibits characteristics of paid media, including without limitation:
gclid, gbraid, wbraid, dclid, msclkid, fbclid, ttclid, twclid, li_fat_id, epik, rdt_cid, s_kwcid, and any successor, equivalent, or replacement parameter adopted by any advertising platform;utm_medium values such as cpc, ppc, paid, paidsearch, paid_social, display, banner, or retargeting;We may apply this screening at the time of click, at registration, or retrospectively, and we may apply it to referrals already recorded and to Referral Bonuses already credited or paid. Our determination, based on our server logs, request records, and analytics, is conclusive absent manifest error.
Screening is a technical control and not a waiver. The absence of detection in any instance does not authorise, ratify, or excuse conduct prohibited by section 16.5, and we may act under section 16.7 whether or not any referral was screened out.
Where we reasonably determine that a Referrer has breached section 16.2, 16.4, or 16.5 — without prior notice where the conduct is ongoing, fraudulent, or exposes us to third-party claims — we may take any or all of the following steps:
Rebates the Referrer has personally and validly earned, that have vested under section 15.2 and are unconnected to the conduct giving rise to the breach, are not affected by this section.
Without limiting Section 9, you agree to indemnify and hold harmless FinlyWealth and its agents, suppliers, and their respective directors, officers, and employees from and against any and all actions, proceedings, costs, claims, liabilities, damages, and expenses (including reasonable legal fees) arising from or in connection with your promotion of FinlyWealth or use of your Referral Link, including without limitation any claim brought by a financial institution, issuer, merchant, partner, advertising platform, regulator, or third party, and any commission reversal, clawback, penalty, fine, sanction, or suspension or termination of a partner or affiliate program suffered by FinlyWealth and attributable to your activity.
We may modify, suspend, or discontinue the Referral Program in whole or in part, adjust the bonus percentage or referral term, or add or remove eligible products, at any time on a prospective basis. Changes will not retroactively reduce Referral Bonuses that have fully vested under section 15.2 before the effective date of the change, except as provided in sections 15.4, 15.9, 16.6, and 16.7. The version of these Terms current at the time a referral is recorded governs that referral.
We do not provide tax advice. You are solely responsible for determining and satisfying any tax obligations arising from Referral Bonuses you receive, and for any reporting required in your jurisdiction. We may require information from you in order to meet any reporting or withholding obligation to which we are subject.
Before initiating any formal legal action, you agree to first contact us at support@finlywealth.com with a written description of the dispute. We will attempt to resolve the dispute informally within thirty (30) days of receiving your notice.
Except where prohibited by applicable law, any claim or cause of action arising from or relating to these Terms or the Site must be commenced within one (1) year after the cause of action arose, after which it is permanently barred.
These Terms are governed by the laws of British Columbia and the laws of Canada applicable therein, excluding any conflict of laws which would lead to the application of any other laws. By accessing the Site, you irrevocably submit and attorn to the exclusive jurisdiction of the provincial and federal courts located in the Province of British Columbia for any disputes or matters arising from, connected with, or relating to the Site, these Terms, or any related matters.
Where you are a consumer resident in another Canadian province, mandatory provisions of your local consumer protection law that cannot be contractually overridden will apply notwithstanding the foregoing.
We will not be liable for any failure or delay in performance under these Terms to the extent caused by events beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, civil unrest, government action, pandemic, labour disputes, internet or telecommunications outages, third-party service provider failures, cyberattacks, or interruptions in payment processing by financial institutions.
No consent or waiver by either party to, or of any breach or default by, the other party in its performance of its obligations under this agreement will be deemed or construed to be a consent to, or a waiver of, a continuing breach or default or any other breach or default of those or any other obligations of that party. No consent or waiver will be effective unless in writing.
If any provision of these Terms is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed to be severed from the rest of these Terms and shall not affect the validity and enforceability of any remaining provisions.
These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and FinlyWealth with respect to your use of the Site and supersede any prior agreements.
For questions about these Terms, please contact:
Finly Technology Corp. (operating as FinlyWealth) Email: admin@finlywealth.com
By continuing to use our services and participating in our rebate, cashback, or promotional programs, you agree to these Terms and acknowledge our right to make determinations in accordance with them.