SimpleDirect Terms of Use

Last Updated December 14, 2019

These Terms of Use, together with SimpleDirect’s Privacy Policy, set forth the terms and conditions (“Terms”) that apply to your access and use of all SimpleDirect products and services (together, the “SimpleDirect Services” or “Services”), that are made available through our websites including but not limited to www.SimpleDirect.com, as well as through certain downloadable mobile applications (together, the “Site”). “SimpleDirect” includes the SimpleDirect brand, the parent company Caonic Systems, and its officers, directors, employees, consultants, affiliates, subsidiaries and agents. The SimpleDirect Services are intended for Canadian residents only and may include, but are not limited to, free credit score; access to third party rewards programs; platforms that enable users to locate and contact Canadian financial services, as well as professionals, such as third party experts, advocates, and advisors, who can provide various services; discussion forums, community forums, bulletin boards, review services, and forums in which users may ask questions of third party advisors; and platforms that enable users to apply to pre-qualify for certain credit card or loan offers.

By using or accessing the SimpleDirect Services you agree to these Terms, as updated from time to time in accordance with Section 8 below. Because SimpleDirect provides a wide range of services, we may ask you to review and accept supplemental terms that apply to your interaction with a specific product or service. These Terms state that any disputes between you and SimpleDirect must be resolved in binding arbitration or small claims court and that you waive the right to participate in any class action. You may opt out of arbitration and the class action waiver by following the procedures in Section 12.G below.

To use some of the Services, you may need to provide information such as credit card or bank account numbers to third parties. For more information, see our Privacy Policy.

  1. **Registration and Account Security.**To use the Services you must (i) be at least eighteen (18) years of age; (ii) have not previously been suspended or removed from the Services; and (iii) register for and use the Services in compliance with any and all applicable laws and regulations.
  2. a) Account Registration. To access some features of the Services, you may be required to register for an account. When you register for an account, we may ask you to give us certain identifying information about yourself, including but not limited to your email address and other contact information, and to create a user name and password (“Registration Information”). When registering for and maintaining an account, you agree to provide true, accurate, current, and complete information about yourself. You also agree not to impersonate anyone, misrepresent any affiliation with anyone else, use false information, or otherwise conceal your identity from SimpleDirect for any purpose.
  3. b) You Are Responsible For Your Account. You are solely responsible for maintaining the confidentiality and security of your password and other Registration Information. For your protection and the protection of other users, we ask you not to share your Registration Information with anyone else. If you do share this information with anyone, we will consider their activities to have been authorized by you. If you have reason to believe that your account is no longer secure, you must immediately notify us at [email protected].
  4. **Specific Requirements for Certain Services.**Your use of the Services constitutes your acknowledgment and acceptance of the following specific requirements and terms of use for certain of the SimpleDirect Services.
  5. a) Pre-qualified Loan Rates. Pre-qualified Loan Rates is a platform that allows users to submit a request to be matched with one of SimpleDirect’s Loan Provider Partners to pre-qualify for certain loan Annual Percentage Rates (“APR”), and requires registration of a user account. In order to offer you a pre-qualified rate, the Loan Provider Partners need your consent to use and accept electronic signatures, records, and certain disclosures. See SimpleDirect Prequalified Loan Rate Terms of Use.
  6. b) Free Credit Score. SimpleDirect provides members with free access to their TransUnion VantageScore 3.0 credit score and report (“Credit Score”). In order to access your Credit Score you must provide SimpleDirect the following credit pull authorization:
  7. I hereby authorize SimpleDirect and its wholly-owned subsidiaries to periodically obtain and use consumer reports about me in order to provide me with: (1) access to my free credit score, including periodic updates to my credit score; and (2) recommendations regarding financial products and services that may be of interest to me, including credit cards, personal loans, home loans and other financial products and services offered by SimpleDirect partners. I also hereby authorize SimpleDirect to share my credit score with its wholly-owned subsidiaries in order to allow its wholly-owned subsidiaries to provide me with such financial recommendations.
  8. d) Forums.SimpleDirect may offer features that allow users to share content, comments and opinions on financial topics with other users in the Community Forum, as well as other user discussion forum platforms (collectively, the “Forum”). Your use of the Forum is governed by these Terms of Use, as well as our Community Guidelines.
  9. e) Forum content are the contributions of independent users not affiliated with SimpleDirect, whose opinions are their own. SimpleDirect does not guarantee the accuracy, integrity or quality of the opinions and advice posted on the Forum. Your use of any user content provided in the Forum is at your own risk.
  10. ii) SimpleDirect may, but is not required to, monitor Forum content and reserves the right to edit, correct or delete any Forum content for any reason at our sole discretion.

iii) You hereby grant to SimpleDirect a royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, translate, transmit and distribute any content, information or material you submit or post to the Forum, in any medium now in existence or hereafter developed, for any purpose, including commercial uses.

  1. iv) We may terminate a user’s access or ability to use the Forum, immediately, without notice, and at our sole discretion, for user’s failure to comply with any terms or conditions of the Terms of Use or Community Guidelines.
  2. f) SimpleDirect Cash Back. This feature allows you to get cash back on eligible purchases when you register one or more credit cards with the SimpleDirect Cash Back program, operated by our third party service provider Empyr, Inc. By registering a credit card with SimpleDirect Cash Back, you agree to the SimpleDirect Cash Back Terms of Service and Privacy Policy.
  3. Third Party Services.
  4. a) Advice from Third Parties. Some of the Services involve advice from third parties and third party content. You agree that any such advice and content is provided for information, education, and entertainment purposes only, and does not constitute legal, financial, tax planning, medical, or other advice from SimpleDirect. You agree that SimpleDirect is not liable for any advice provided by third parties. You agree that you are responsible for your own financial research and financial decisions, and that SimpleDirect is not responsible or liable for any decisions or actions you take or authorize third parties to take on your behalf based on information you receive as a user of SimpleDirect.