Terms of Use

To ensure you have a complete understanding, we encourage you to read this Terms of Use in its entirety. However, for your convenience, you can navigate to specific sections by clicking the relevant links below.

Last Updated: March 8, 2024

ScoopRate, operated by InScrivere Technologies, Inc. (“ScoopRate” / “we” / “us”), provides a platform designed to empower users in their financial decision-making process by offering comprehensive rate comparison services. These Terms of Use apply to all users of the ScoopRate website (the “Website”), including those who access services, or simply browse content (“users” / “you”).

These Terms of Use also extend to any third-party website or service that hosts ScoopRate content, ensuring a consistent experience across platforms. By accessing or using the Website and/or services provided (collectively referred to as the “Services”), you signify your acceptance of these Terms of Use. If you do not agree to these Terms, please refrain from using the Website, its content, or services. Please note that these Terms may be amended or updated by ScoopRate without prior notice. It is your responsibility to review these Terms regularly for any changes. Your continued use of the Website after any modifications signifies your acceptance of the revised Terms.

Certain features of the Website may require you to provide personal information. Rest assured, all personal information you provide will be treated in accordance with our Privacy Policy, which is incorporated by reference into these Terms of Use.

These Terms of Use (“Terms”) govern your access to and use of the ScoopRate website (the “Website”) and any related services provided by ScoopRate (“Services”). These Terms constitute a legally binding agreement between you and ScoopRate. Please read these Terms carefully before using our Website or Services.

1. Acceptance of Terms

By accessing or using the Website or Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not use our Website or Services. These Terms are subject to applicable Canadian federal and provincial consumer protection legislation.

2. Description of Services

ScoopRate provides a platform that allows users to compare financial rates offered by various institutions, including but not limited to foreign exchange rates, investment rates, and savings rates, empowering them to make informed decisions about their financial endeavors. Our Website aggregates information from multiple sources to provide users with comprehensive and up-to-date rate comparisons, facilitating the evaluation of the advantages and disadvantages of different financial products.

By utilizing ScoopRate’s services, users can efficiently assess various financial products and select the options that best align with their individual needs and preferences. We operate in compliance with applicable Canadian financial services regulations and consumer protection laws.

In addition to rate comparison, ScoopRate may list certain financial products on the Website for which we do not have access to detailed information about features and benefits. In such cases, users have the option to reach out directly to the financial institutions for further information.

Important Note: ScoopRate is not a financial advisor, and our services do not constitute financial advice. Users should consult with qualified financial professionals before making significant financial decisions.

3. User Registration

While you may browse the Website without registering and creating an account, certain features and services may require you to submit personal information such as your email address or your name. Under this circumstance, you agree to provide accurate and complete information.

You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must immediately notify us of any unauthorized use of your account or any other breach of security.

If you are under the age of majority in your province or territory, you must obtain parental or guardian consent before using our Services.

4. Use of Services

a. User Conduct:

You agree to use the Website and Services in compliance with all applicable Canadian federal and provincial laws and regulations. You further agree not to:

  • Use the Website or Services for any unlawful or unauthorized purpose
  • Attempt to gain unauthorized access to ScoopRate’s systems or networks
  • Interfere with or disrupt the integrity or performance of the Website or Services
  • Attempt to gain unauthorized access to any portion of the Website or Services
  • Engage in any conduct that could damage, disable, or impair the Website or Services
  • Introduce any viruses, worms, or other malicious software that may damage or disrupt ScoopRate’s systems or harm other users
  • Interfere with or disrupt the operation of ScoopRate’s services, servers, or networks
  • Impersonate any person or entity, or falsely claim an affiliation with any person or entity
  • Infringe upon the intellectual property rights of ScoopRate or any third party, including but not limited to copyright, trademark, or patent infringement
  • Engage in any activity that is illegal under Canadian law or violates any applicable laws or regulations
  • Engage in any automated data collection activities, such as data mining, scraping, or crawling, without ScoopRate’s express written consent
  • Misrepresent yourself or your affiliation with any person or entity, or provide false or misleading information
  • Reverse engineer, decompile, or disassemble any part of ScoopRate’s systems or services
  • Use ScoopRate for any commercial purposes without prior written consent, including but not limited to advertising, soliciting, or promoting products or services
  • Violate any applicable Canadian consumer protection or privacy laws

b. Accuracy of Information

While we strive to provide accurate and up-to-date information, ScoopRate does not guarantee the accuracy, completeness, or reliability of any information on the Website. Users acknowledge that rates and terms may change without notice and should verify the information directly with the respective financial institutions.

All financial information displayed is for comparison purposes only and does not constitute an offer or guarantee from ScoopRate or the financial institutions listed.

c. Third-Party Links

ScoopRate may include links to third-party websites or services for your convenience. These links are provided solely as a convenience to you and do not imply endorsement by ScoopRate. We are not responsible for the content, privacy practices, or terms of service of these third-party sites.


5. Intellectual Property

a. Ownership

The content, design, and layout of the Website are owned or licensed by ScoopRate and are protected by Canadian copyright, trademark, and other intellectual property laws, as well as international intellectual property treaties.

b. Use of Content

You may access and use the content on the Website for personal, non-commercial purposes only. You may not reproduce, distribute, modify, or create derivative works based on any content from the Website without the prior written consent of ScoopRate.

6. Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and disclose information about you when you use our Website and Services in accordance with PIPEDA and other applicable Canadian privacy laws.

7. Disclaimer of Warranties

a. No Warranty

Subject to applicable Canadian consumer protection laws, the Website and Services are provided on an “as is” and “as available” basis. ScoopRate disclaims all warranties to the extent permitted by Canadian law, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

b. Use at Your Own Risk

You use the Website and Services at your own risk, subject to any mandatory protections under Canadian consumer protection legislation. ScoopRate does not warrant that the Website or Services will be uninterrupted, error-free, or free from harmful components.

8. Limitation of Liability

To the fullest extent permitted by applicable Canadian law, including provincial consumer protection legislation, ScoopRate and its affiliates, officers, directors, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or in connection with your use of the Website or Services.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable Canadian law, including liability for death or personal injury caused by negligence.

9. Indemnification

You agree to indemnify and hold ScoopRate and its affiliates, officers, directors, employees, agents, and licensors harmless from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising out of or in connection with your use of the Website or Services, your violation of these Terms, or your violation of any rights of a third party, to the extent permitted by applicable Canadian law.

10. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Province of Alberta and the federal laws of Canada applicable therein, without regard to conflict of law principles.

a. Alternative Dispute Resolution

Before initiating any legal proceedings, the parties agree to attempt to resolve disputes through good faith negotiations. If unsuccessful, disputes may be resolved through mediation or arbitration in accordance with the rules of the ADR Institute of Canada, unless prohibited by applicable consumer protection laws.

b. Court Jurisdictiona. No Warranty

Any dispute that cannot be resolved through alternative dispute resolution shall be exclusively resolved by the courts of competent jurisdiction in [Insert Province], Canada, subject to your rights under applicable Canadian consumer protection legislation.

11. Consumer Rights

Nothing in these Terms affects any statutory rights you may have as a consumer under applicable Canadian federal or provincial consumer protection legislation. If you are a consumer, certain provisions of these Terms may not apply to you to the extent they conflict with mandatory consumer protection laws.

If you are resident in Quebec, these Terms are subject to the Consumer Protection Act (Quebec) and other applicable Quebec consumer protection legislation.

12. Force Majeure

ScoopRate shall not be liable for any failure or delay in performance under these Terms due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, strikes, or government regulations.

13. Severability

If any provision of these Terms is found to be invalid or unenforceable under applicable Canadian law, such provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable, or if such modification is not possible, such provision shall be deemed deleted from these Terms. The remainder of these Terms shall remain in full force and effect.

14. Language

These Terms have been drafted in English. If these Terms are translated into French or any other language, the English version shall prevail in case of any conflict or discrepancy, except where prohibited by applicable law (such as in Quebec, where French versions may take precedence).

15. Changes to Terms

ScoopRate reserves the right to modify these Terms at any time in accordance with applicable Canadian consumer protection laws. Material changes will be communicated through appropriate notice on the Website or via email where required by law.

Your continued use of the Website or Services after the posting of such changes constitutes your acceptance of the modified Terms, subject to any mandatory notice periods or cooling-off rights under applicable consumer protection legislation.

16. Termination

Either party may terminate these Terms at any time. ScoopRate may terminate or suspend your access to the Website or Services immediately, without prior notice or liability, for any reason whatsoever, including but not limited to a breach of these Terms.

Upon termination, your right to use the Website and Services will cease immediately, but provisions that by their nature should survive termination shall remain in effect.

17. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by ScoopRate on the Website, constitute the entire agreement between you and ScoopRate concerning the Website and Services.

18. How to Contact Us

If you have any questions or concerns about these Terms, please contact us at info@scooprate.com.

For consumer protection inquiries, you may also contact the appropriate consumer protection agency in your province or territory.

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