Terms & Conditions

Summary. These Terms are the agreement between you and FinlyWealth. FinlyWealth compares financial products and earns commissions when you apply for them through us. We are not a bank or a financial advisor, and nothing we show you is financial advice. If you join our cash-back or referral programs, sections 15 and 16 explain when rebates are earned and when they can be denied or reversed. If you use Finly Money, our paid personal finance app, section 21 explains plans, free trials, automatic renewal, cancellation, and what happens when your access ends. Finly Money is read-only: it never moves your money. Its figures, including answers from our AI assistant Fin, are estimates you should check.

1. Acceptance of Terms

By accessing this website and any of its associated websites, subdomains, or applications, including Finly Money at finlywealth.com/money (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.

When you create an account, you agree to these Terms and our Privacy Policy by continuing past the notice "By creating an account, you agree to FinlyWealth's Terms & Conditions and Privacy Policy."

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").

Our affiliate partner program has its own terms, which apply to participants in that program.

2. Eligibility

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, use Finly Money, or participate in our rebate, cashback, or promotional programs. By using the Site, you represent and warrant that you meet this requirement.

Each person may hold only one FinlyWealth account.

3. Modifications to Terms

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.

For changes to section 21 that affect a paid subscription or free trial, including prices, we will email you at least 30 days before the change takes effect. If you do not agree, you may cancel before then.

4. Affiliate Relationships and Compensation Disclosure

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:

• We may receive a commission, referral fee, bounty, or other compensation when you click on a link, complete an application, or are approved for a product featured on the Site.
• The compensation we receive may vary by product and partner, and this may influence which products are featured, how they are ranked, or how prominently they are displayed.
• We feature products from a limited subset of providers in the market — not every available product is shown on the Site.
• Our editorial commentary, ratings, and reviews represent our own opinions and are intended to be objective, but they should not be relied upon as a comprehensive comparison of all available products.

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.

5. Not a Financial Institution or Licensed Advisor

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, calculator results, Finly Money figures, answers from Fin, or other 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.

6. Content Usage and Agreement

By accessing and using FinlyWealth, including but not limited to engaging with our credit card recommendations, rankings, reviews, rebates, Finly Money, 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.

7. Disclaimer of Warranties

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.

Section 21.5 explains the limits on the accuracy of figures shown in Finly Money.

8. Limitation of Liability

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:

• Use of, or inability to use, the Site or any of its content or links;
• Reliance on any information, recommendation, or rebate calculation provided on the Site;
• Reliance on any figure, estimate, categorization, budget, rewards calculation, or answer from Fin shown in Finly Money;
• Any interruption, delay, or error in a bank or brokerage connection, or in information received from a financial institution or connection provider;
• Any reminder, alert, email, or text message that is delayed or not delivered;
• Any inaccuracies, errors, omissions, or viruses in the Site or its content;
• Any web browser, equipment, or third-party software used to access the Site;
• Any decision to apply for, accept, or use any financial product featured on the Site; or
• Any action or omission of any third-party financial institution, merchant, connection provider, or service provider.

Nothing in these Terms limits or excludes liability that cannot be limited or excluded under applicable law.

9. Indemnification

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, upload, or transmit through the Site, including statements, receipts, and other people's details.

10. Intellectual Property

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.

11. Third-Party Links and Sites

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.

12. Use of Email Addresses

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; Finly Money messages about your subscription, free trial or free period, billing, household, and connections; reminders and alerts you have turned on; 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.

13. Review Request Campaigns

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.

14. Privacy

Our collection, use, and disclosure of your personal information is governed by our Privacy Policy at finlywealth.com/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), Quebec's private-sector privacy law (as amended by Law 25), and other applicable provincial privacy laws.

FinlyWealth cannot guarantee complete confidentiality or security for information that is transmitted electronically. To the extent permitted by law, 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.

15. Rebates, Cashback, and Promotions

15.1 General Terms

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, 15.6, 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. This paragraph concerns changes to the program itself; the treatment of rebates on an individual account that we suspend or terminate is governed by sections 15.5 and 15.6.

By participating in our rebate, cashback, or promotional programs, you acknowledge and agree to be bound by these Terms in their entirety.

15.2 Eligibility and Qualification

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.

15.3 Tracking and Attribution

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:

• Use of ad blockers, tracking blockers, or privacy-focused browsers or extensions;
• Clearing cookies between clicking on an offer and completing the transaction;
• Switching devices, browsers, or sessions between clicking and completing the transaction;
• Using coupon or deal sites after clicking through FinlyWealth;
• Returns, cancellations, or chargebacks;
• Failure of the merchant or financial institution to report the transaction to us.

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.

15.4 Denial of Rebates

We may deny or void rebates, cashback, or promotional rewards on the following grounds:

• Suspected fraudulent activity;
• Violation of these Terms or any applicable law;
• Technical errors, glitches, or pricing/posting errors;
• Abuse of promotions or offers, including stacking, self-referrals, or repeated returns;
• Creating, operating, or using an account to circumvent a suspension or termination, as described in section 15.6;
• Lack of payment from the merchant or financial institution to FinlyWealth in respect of the transaction;
• Activity that is reasonably determined to be contrary to the intent of the program.

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.

15.5 User Conduct and Communications

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.

Where an account is terminated solely under this section 15.5, and the conduct does not also fall within section 15.4, rebates that have fully vested under section 15.2 prior to the termination date are not affected and will be paid in the ordinary course, and pending, unvested rebates will continue to be processed in accordance with partner reporting or, at our discretion, settled at their estimated value. Where the conduct also falls within section 15.4, section 15.6 governs the treatment of rebates.

15.6 Account Restrictions

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.

Where we suspend or terminate an account for cause — that is, where we reasonably determine that you have violated these Terms or engaged in conduct described in section 15.4 — all rebates, cashback, referral bonuses, and promotional rewards associated with that account are void and will not be paid, whether pending or previously earned, and whether or not the individual reward is itself connected to the conduct giving rise to the suspension or termination. Participation in our rebate, cashback, and referral programs is conditional on compliance with these Terms, and an account in breach forfeits the rewards accrued under it. Where we have already paid amounts to an account subsequently terminated for cause, we may require repayment and may recover those amounts by set-off against any other account or balance you hold with us.

You may not create, operate, or use another account in order to circumvent a suspension or termination, and you may not ask or permit another person to do so on your behalf. Where we reasonably determine that an account has been created or used to circumvent a suspension or termination, we may suspend or terminate that account on the same basis, void any rebates, cashback, referral bonuses, or promotional rewards associated with it, and restrict or block your access to the Site entirely, including by technical means.

If you believe a suspension or termination is mistaken, you may write to support@finlywealth.com setting out the circumstances, and we will review the decision and respond within a reasonable period. Our determination following that review is final, absent manifest error.

For terminations solely under section 15.5 (User Conduct and Communications) that do not also involve conduct described in section 15.4, the treatment of rebates is governed by section 15.5.

15.7 Payment and Processing

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.

Rebates are paid by Interac e-Transfer to the email address recorded in your FinlyWealth profile. Before your first payout, you must verify a mobile number by text message. Each account may have one verified number, and disposable or VoIP numbers are not accepted.

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.

15.8 Missing Rebate Claims

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 the Site or directly via email to support@finlywealth.com with supporting documentation.

15.9 Reversals and Clawbacks

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.

16. Referral Program

16.1 Overview and incorporation

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).

16.2 Eligibility and use of your Referral Link

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.

16.3 Calculation, term, and exclusions

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.

16.4 No licence to use our brand; no agency

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.

16.5 Permitted and prohibited promotion

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.

16.6 Attribution and paid-traffic screening

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:

• the presence of a paid-click identifier in the request, including but not limited to 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;
• a referring URL, header, or request signature associated with an advertising, ad-serving, or ad-redirect network;
• campaign parameters indicating paid media, including utm_medium values such as cpc, ppc, paid, paidsearch, paid_social, display, banner, or retargeting;
• any other signal that we reasonably determine indicates the visit originated from a paid placement.

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.

16.7 Consequences of breach

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:

• void any referral recorded in connection with the conduct, whether pending or credited;
• reverse, void, or claw back any Referral Bonus paid or payable, including by set-off against pending or future rebates or by requiring repayment under section 15.9;
• disable the Referral Link and remove the Referrer from the Referral Program permanently;
• suspend, limit, or terminate the account under section 15.6;
• submit trademark, brand, or policy complaints to any advertising platform, registrar, or host, and provide those parties with relevant account and traffic records;
• notify any affected financial institution or partner of the conduct and provide relevant records; and
• pursue any other remedy available at law or in equity, including injunctive relief and proceedings for trademark infringement or passing off.

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.

16.8 Indemnity

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.

16.9 Changes to and termination of the Referral Program

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.

16.10 Tax

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.

17. Dispute Resolution

17.1 Informal Resolution

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.

17.2 Limitation Period

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.

17.3 Governing Law and Jurisdiction

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. This includes, for residents of Quebec, the Consumer Protection Act, and for residents of Ontario, Ontario's consumer protection legislation.

18. Force Majeure

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, outages at financial institutions or bank-connection providers, cyberattacks, or interruptions in payment processing by financial institutions.

19. Waiver and Severability

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.

20. Text messages (SMS)

FinlyWealth offers optional text messages as part of Finly Money. All of our texts come from one Canadian toll-free number: +1 (844) 915-1884.

What you can sign up for

• Bill reminders and price-rise alerts. Recurring automated texts about upcoming subscription and bill charges, and about subscriptions whose price has gone up. We send at most one text a day, usually once a week or less.
• Text Fin. Replies from Fin, our AI assistant, to questions you text us about your own Finly Money information. Fin only replies to texts you send, with up to 20 replies a day and 150 a month. Fin gives information, not financial advice.

Who can sign up. Texts are available on the Thrive and Family plans.

How you sign up. You can only sign up inside your signed-in Finly Money account. First you confirm your mobile number with a one-time code, then you turn on a switch that is off by default. We send one text to confirm you've signed up. You don't have to agree to receive texts to buy anything or to use FinlyWealth.

What you agree to. When you turn on texts, you see and agree to this statement:

"By turning on texts, you agree to receive recurring automated texts from Finly Money at your verified number, sent from +1 (844) 915-1884: the reminders and alerts you choose (at most one a day) and Fin's answers to the questions you text it. Fin never gives financial advice. Msg & data rates may apply. Reply STOP to cancel, START to resume, HELP for help. Consent is not a condition of any purchase. See our Terms and Privacy Policy."

Cost and frequency. We don't charge for texts. Message and data rates from your mobile carrier may apply. How often we text depends on your settings and your activity, within the limits above.

Stopping texts. Reply STOP to any of our texts; END, CANCEL, UNSUBSCRIBE, QUIT and ARRÊT also work. Because all our texts come from one number, this stops every Finly Money text, including reminders and Fin. We'll send one text confirming you've unsubscribed. Reply START to turn texts back on. You can also turn each kind of text off in the app at any time.

Help. Reply HELP to any of our texts, or contact us at finlywealth.com/contact-us.

What our texts contain. Texts can include merchant names, amounts and dates from your account, so anyone who can see your phone may see them. We never put full account numbers in a text, and we will never ask for your password by text.

Delivery. Mobile carriers are not liable for delayed or undelivered messages. Delivery isn't guaranteed, so don't rely on a text to meet a payment deadline.

Your number. You must own the mobile number you sign up with, or be authorized to use it. Tell us, or turn texts off, if you change or give up that number.

If your plan changes. If you move to a plan that doesn't include texts, or your Finly Money access ends, we stop sending texts.

Changes. We may change or end the text message program. If we do, we'll give notice where the law requires it. How we handle your information is described in our Privacy Policy at finlywealth.com/privacy-policy.

21. Finly Money

Finly Money is our paid personal finance app at finlywealth.com/money. You can link bank and brokerage accounts, upload statements, or add transactions yourself. You can then see your transactions, categories, recurring charges, budgets, net worth, and investments, track credit card rewards, split bills, keep receipts, get reminders, and ask Fin, our AI assistant, about your own money.

Finly Money is read-only. It never moves money, makes payments, places trades, or changes anything at your bank. Features we label "coming soon" are not part of any plan until we release them.

21.1 Plans, prices, and billing

Plans and prices. Finly Money is a monthly subscription, priced in Canadian dollars. You choose what to pay within each plan's range:

• Grow: $8 to $14 a month
• Thrive: $15 a month or more
• Family: $22 a month or more

The most you can choose on any plan is $500 a month. There is no annual plan, and no free plan on the web. The features in each plan are those listed for your plan on our Membership page.

Payment. Billing is handled by Stripe, through Stripe's checkout and customer portal. You pay by card. We never see or store your card number. Stripe collects your billing address. Applicable sales taxes, such as GST, HST, or PST, are added to the price, calculated by Stripe from your billing address. You can enter a promo code at checkout.

Renewal. Your subscription renews automatically each month, and your card is charged the price for your plan, until you cancel.

Changing plans. Plan changes take effect immediately. The price difference is prorated on your next invoice. There is no proration during a free trial. If you move to a plan with fewer brokerage connections, the connections you already have stay in place, but you can't add new ones above your new plan's limit.

Cancelling. You can cancel at any time from inside Finly Money. Your plan runs to the end of the period you have paid for, and you are not charged again. You can resume your subscription before that date.

Refunds. Refunds may be done on a case by case basis.

Failed payments. If a payment fails, Stripe retries your card. You keep access while it does, and you will see a banner asking you to update your card. If the subscription ends unpaid, your access ends as described in section 21.3.

Fair use. Some features have daily or monthly limits, which may change. These include questions to Fin, texts, receipt reading, bank syncs, and statement reading. If you reach a limit, the feature may be unavailable until the limit resets.

21.2 Free trials and free periods

Every free trial and free period is a set number of days, counted from when it starts. Free periods that don't require a card last at most 365 days.

Standard free trial. New members can take a 14-day free trial, once per person. You add a card at checkout, and the trial length and the price that applies after it are shown before you sign up. Your trial becomes a paid subscription automatically when it ends, unless you cancel before then. We email you 3 days before your trial ends.

Approved-rebate offer. If you have an approved rebate through one of our partner networks, and your account is not suspended, you can get 90 days of any plan without adding a card, once per person.

Trial links. FinlyWealth staff may issue trial links. A trial link gives either free access without a card for a set number of days, or a longer card trial of up to 730 days that becomes a paid subscription when it ends. A link may be open to the first person to use it, or limited to listed email addresses.

Staff grants. FinlyWealth staff may grant a plan free of charge for a set number of days.

Unused free days. If you add a card during a free period, your paid trial uses the free days you have left.

Reminders. Before a free period ends, we email you 3 days before and on the last day.

Rewards calculator bank trial. You can connect a bank once, free, for 14 days from our public credit card calculator. If you don't start a paid plan by the end of those 14 days, we remove the connection and delete the data we retrieved through it.

One per person. The standard free trial, the approved-rebate offer, and the rewards calculator bank trial are each available once per person. Creating more than one account, or otherwise getting around these limits, is a breach of these Terms.

21.3 When your Finly Money access ends

Your access ends if you cancel and your paid period ends, if a free trial or free period ends without a paid subscription, or if a payment is not made. When it does:

• you can no longer use Finly Money, and background syncs of your bank and brokerage accounts pause;
• after a 30-day grace period, we disconnect all of your bank and brokerage connections at the provider. We email you 7 days before we do;
• we keep your Finly Money data so you can come back.

If you return after your connections have been removed, you will need to connect your accounts again.

21.4 Bank and brokerage connections

We connect to your financial institutions through third-party providers: Flinks, which we use by default for supported banks; Plaid, which we use as a backup; and SnapTrade, for brokerages. Some older connections use MX.

You sign in to your bank on the provider's own screen. We never see your bank password. Connections are read-only.

The provider's own terms and privacy policy also apply to your connection. By connecting an account, you authorize the provider to access and transmit information from your financial institution on your behalf. Connect only accounts you own or are authorized to access.

We do not guarantee:

• that every financial institution is supported;
• that the data we receive is complete or up to date; or
• that connections will work without interruption. Banks and providers can break connections, and your bank may ask you to confirm your identity again before a connection can continue.

21.5 Accuracy of information

Finly Money shows estimates based on your data and our credit card data. None of it is a statement from your financial institution. This includes:

• transactions read from statements by AI, which you review before importing;
• categories and recurring charges we detect;
• budgets and net worth; and
• credit card rewards and points balances, which we calculate ourselves. We do not read rewards or points from card issuers or loyalty programs. Rewards figures show actual rewards by default, and estimates are labelled.

Figures can be incomplete, out of date, or wrong. Always check your financial institution's own records before you rely on a balance, a due date, or a payment.

21.6 Fin, our AI assistant

Fin answers questions about your own money in Finly Money, on the plans that include it.

• Fin is read-only. It can't move money, change your accounts, browse the web, or take actions for you.
• Fin never gives financial advice. It does not recommend products, funds, stocks, or credit cards, and it does not predict markets.
• Fin stays on topic and may decline other questions.
• Fin's answers can be wrong. As Finly Money says: "Fin reads only your data and never gives financial advice. Check the numbers that matter."

Fin's insights are optional observations you can turn on. They are labelled "Observations, not financial advice."

21.7 Reminders, price-rise alerts, and card-cap alerts

You can choose to receive reminders about upcoming bills, alerts when a subscription's price goes up, and alerts about credit card caps, by email, text, or both. They are off until you turn them on, and we send at most one a day.

Reminders and alerts are a convenience, not a guarantee. Delivery isn't guaranteed, so don't rely on a text to meet a payment deadline.

21.8 Text messages

Texting with Finly Money requires the Thrive or Family plan, a verified mobile number, and your explicit opt-in. Section 20 sets out the full text message terms.

21.9 Households, shared bills, receipts, business accounts, and demo data

Households (Family plan). A household is two people: the owner, who pays, and one partner the owner invites by email, who pays nothing. The invitation expires after 14 days.

• Nothing is shared by default. Each person chooses which areas to share (net worth, transactions, budget, investments, and recurring charges) and which accounts.
• Your partner can view what you share but can't change it. Fin uses only what the other person has shared.
• Either person can leave the household, and the owner can remove the partner. Each person's data stays their own.
• If the owner's plan ends, the household pauses.
• Share only information you have the right to share.

Shared bills. You can record the people you split costs with, by name and, if you like, email address. These people don't have an account, can't see anything in Finly Money, and are never contacted by us. Settle-up amounts are suggestions only. We never collect or move money between people. Enter other people's details only where you have a reasonable basis to do so.

Receipts and attachments. You can attach receipts and documents to transactions, in JPG, PNG, WebP, HEIC, or PDF format, up to 15 MB each. They are kept until you delete them. On the Thrive plan, AI reads your receipts, and you review the result before saving it. On a computer, you can scan a receipt with your phone through a one-time QR code link, which expires after 15 minutes and doesn't require you to sign in on the phone.

Business accounts. Where available, you can mark accounts as business to keep them separate from your personal finances.

Demo data. You can choose to explore Finly Money with a made-up sample dataset. It is stored separately from your own data, and nothing in it is sent to banks or connection providers.

21.10 Security, acceptable use, ending your account, and acceptance

Security. You must sign in to use Finly Money. Two-step verification is optional, and we recommend it. You are responsible for keeping your sign-in details and your devices secure. Privacy mode only blurs amounts on your screen. It is not a security control.

Acceptable use. You must not:

• scrape Finly Money, access it by automated means, or reverse-engineer it;
• connect accounts you aren't authorized to access;
• upload other people's statements without their authority;
• abuse the limits on Fin, texts, or other features; or
• get around free trial or free period limits, for example by creating more than one account.

Suspension and closure. We may suspend or close your account for breach of these Terms, fraud, or abuse. Section 15.6 also applies to your rebates.

Deleting your data or your account. From your Profile, you can delete your Finly Money financial data, or your whole account. Our Privacy Policy explains what each option deletes and what we keep. Deleting your account cancels an active Finly Money subscription.

Acceptance. You accept these Terms when you create your account, as described in section 1.

22. Entire Agreement

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.

23. Contact Information

For questions about these Terms, please contact:

Finly Technology Corp. (operating as FinlyWealth)

Email: admin@finlywealth.com

Mail: 806-2024 Fullerton Avenue, North Vancouver, BC V7P 3G4, Canada

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.