Terms of Use

By accessing and using CollectionAgencies.ca (the "Website"), you agree to be bound by these Terms of Service and all applicable laws and regulations.

If you do not agree with any of these terms, you are prohibited from using this Website.

Use of Website

Permitted use

This Website is provided for informational purposes only.

You may use this Website to search for and verify collection agency information, learn about your rights as a consumer, access contact information for collection agencies, and read educational content about debt collection in Canada.

Prohibited activities

You agree not to use the Website for any unlawful purpose, scrape, copy or harvest data using automated means, attempt to gain unauthorized access to any part of the Website, interfere with or disrupt the Website's operation, transmit any viruses, malware, or harmful code, impersonate any person or entity, or use the information for harassment or illegal debt collection practices.

Consumer Submissions

This Website allows users to submit information about collection agencies, including reports, reviews and feedback.

By submitting content to this Website, you confirm that your submission is truthful and based on your own experience, you grant CollectionAgencies.ca a non-exclusive, royalty-free, perpetual licence to use, display and publish your submission on this Website, and you understand that submissions are reviewed before publication and may be edited for clarity or rejected entirely.

We do not publish unverified claims. All submissions are checked against licensing records and, where possible, publicly available data. We reserve the right to remove any submission at any time.

Survey Data

This Website collects anonymous survey responses about debt collector behaviour. By participating in a survey, you confirm that your responses are truthful and based on your own experience.

Survey responses are anonymous and cannot be traced back to you. Aggregated results may be published on this Website or shared with journalists and researchers.

Verified Listings

Collection agencies can verify their listing on this Website for free.

Verification allows an agency to confirm its contact details and receive enquiries through this Website. Verification does not grant editorial control.

Verified agencies cannot change their descriptions, rankings, positions in search results, or consumer feedback displayed on their pages.

Information Accuracy

We strive to provide accurate and up-to-date information about collection agencies. However, we cannot guarantee the accuracy, completeness, or timeliness of all information.

Collection agencies may change their contact information, licensing status, or business operations without notice.

Information on this Website should not be used as the sole basis for any financial or legal decisions. Always verify information directly with the collection agency or relevant regulatory authorities.

No Professional Advice

The content on this Website is for general informational purposes only and does not constitute legal, financial, or professional advice.

You should consult with appropriate professionals regarding your specific situation.

We are not responsible for any decisions you make based on information found on this Website.

Third-Party Links

This Website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of any third-party sites.

Your use of third-party websites is at your own risk.

Affiliate Links and Referrals

This Website contains affiliate links to third-party products and services. If you click an affiliate link and sign up for a product or service, we may earn a commission.

Affiliate relationships do not influence how collection agencies are described, ranked, or presented on this Website.

This Website may also recommend or link to third-party service providers, including Licensed Insolvency Trustees.

Any services you receive from third parties are subject to their own terms and conditions. We are not responsible for the services, advice, or outcomes provided by any third party.

Intellectual Property

The content, design, graphics, and compilation of information on this Website are protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works without our express written permission.

Disclaimer of Warranties

This Website is provided "as is" and "as available" without warranties of any kind, either express or implied.

We do not warrant that the Website will be uninterrupted or error-free, that defects will be corrected, that the Website is free of viruses or harmful components, or that information on the Website is accurate or complete.

Limitation of Liability

To the fullest extent permitted by law, CollectionAgencies.ca shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use or inability to use the Website, any unauthorized access to or use of our servers, any interruption or cessation of transmission to or from the Website, any bugs, viruses, or other harmful code transmitted through the Website, or any errors or omissions in content.

Indemnification

You agree to indemnify, defend, and hold harmless CollectionAgencies.ca and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the Website or violation of these Terms.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the Website.

Your continued use of the Website after changes are posted constitutes acceptance of the modified terms.

Governing Law

These Terms are governed by the laws of Canada and the applicable laws of the province in which the user resides.

Contact

If you have questions about these Terms of Service, please contact us at info@collectionagencies.ca.