Terms & Conditions

1. About Clearwise Solutions

Clearwise Solutions connects Canadians seeking debt relief information with licensed debt professionals, including Licensed Insolvency Trustees and other financial service providers.

Information on this website is for general informational purposes only and should not be considered professional advice.

2. Eligibility

You must be at least 18 years old and legally capable of entering into binding agreements in your province or territory to use this website.

By submitting information through our website, you confirm that the information provided is accurate and truthful.

3. No Professional Advice

Nothing on this website constitutes:

• Legal advice
• Financial advice
• Credit counselling
• Tax advice
• Consumer proposal advice
• Bankruptcy advice

Only a Licensed Insolvency Trustee or qualified professional can determine which options may be appropriate for your situation.

4. Debt Relief Estimates

Any savings estimates, payment examples, calculators, or illustrations shown on this website are estimates only.

Actual results depend on factors including:

• Total debt
• Income and assets
• Province of residence
• Creditor participation
• Your individual financial circumstances
• Recommendations from a Licensed Insolvency Trustee

Clearwise Solutions does not guarantee any specific debt reduction, approval, payment amount, or financial outcome.

5. Referral Services

By submitting your information, you authorize Clearwise Solutions to share your information with one or more licensed debt professionals or referral partners for the purpose of contacting you about debt relief options.

• You are under no obligation to proceed with any service.
• A referral does not guarantee approval for any debt solution.
• Different professionals may recommend different options.

6. User Responsibilities

You agree that you will:

• Provide accurate information
• Use this website lawfully
• Not submit false or misleading information
• Not interfere with website security or operation
• Not attempt unauthorized access to our systems

7. Privacy

Your use of this website is also governed by our Privacy Policy.

By using this website, you consent to the collection, use, and disclosure of your personal information as described in our Privacy Policy.

8. Intellectual Property

All website content, including logos, graphics, text, designs, calculators, icons, branding, software, and images, is the property of Clearwise Solutions unless otherwise stated.

No material may be copied, reproduced, modified, or distributed without prior written permission.

9. Third-Party Websites

Our website may contain links to third-party websites. Clearwise Solutions is not responsible for third-party content, privacy practices, services, or accuracy.

10. Limitation of Liability

To the fullest extent permitted by law, Clearwise Solutions shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

• Your use of this website
• Your inability to access the website
• Reliance on website information
• Services provided by referral partners
• Loss of data, income, or business opportunities

11. No Warranty

This website is provided on an "as is" and "as available" basis. Clearwise Solutions makes no warranties regarding availability, reliability, completeness, or accuracy.

12. Indemnification

You agree to indemnify and hold harmless Clearwise Solutions, its owners, directors, employees, affiliates, contractors, and partners from any claims, liabilities, damages, costs, or expenses resulting from your use of this website or violation of these Terms.

13. Changes to These Terms

We reserve the right to update these Terms and Conditions at any time without prior notice. Continued use of the website after changes are published constitutes acceptance of the revised Terms.

14. Governing Law

These Terms and Conditions shall be governed by the laws of the Province of Alberta and the applicable federal laws of Canada.

Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of Alberta.