Terms of use
What this site is
This site explains credit in Canada and offers a few tools. Most of it needs an account and a paid plan. The home page, the prices, the privacy notice and these terms are free to read.
Pages marked "draft" have not yet been reviewed by a credit professional or a lawyer.
Information, not advice
We are not lawyers, financial advisors or mortgage brokers. What we give you is general information. It is not advice about your own situation.
Before you make a big decision, talk to a professional who can look at your own case.
The letters are yours to send
Our tool helps you write letters about mistakes on your credit report. You read them, you decide, and you send them. We never contact a credit bureau or a lender for you.
We are not a credit repair service. No one can take correct information off your report, and we will never say we can.
Products and published rules
We list real products and the rules that some groups publish. We do not know whether a company will say yes to you, and we do not promise that it will.
Today we are not paid for any product on this site. If that changes, each product we are paid for will say so where you see it. The order of the list never depends on money paid to us.
The assistant
The assistant is an AI. It answers only from our articles and shows which ones it used. It can still be wrong. Read those articles before you act.
Keeping the site correct
Every article shows its sources and the date it was last checked. Laws and bank rules change. If you find a mistake, please tell us at contact@stakkz.ai.
Using the site fairly
Please do not try to break the site, overload it, or use it to harm anyone.
Responsibility and the law that applies
[For counsel to write. These clauses depend on provincial consumer law, including Quebec's, and we will not guess at them. Counsel brief items D5 and D6.]
Both languages
These terms exist in English and in French. Both versions have the same value.
Contact
Stakkz Inc.. Write to contact@stakkz.ai.