Terms of Service
Last updated: February 15, 2026
These terms govern your use of the Ontario Credit Solutions website. By using our site, you agree to these terms. If you don't agree, please don't use the site.
We've kept this as straightforward as possible.
What We Do
Ontario Credit Solutions is a loan comparison platform. We help you discover and compare personal loan, cash loan, and debt consolidation options from licensed Canadian lenders.
We are not a lender. We do not make lending decisions, approve or deny applications, set interest rates, or handle loan funds. When you apply through our site, you are applying directly with a third-party lender or affiliate partner.
Using Our Website
You agree to:
- Use the site for lawful purposes only
- Provide accurate information if you contact us or use any forms
- Not attempt to interfere with the site's operation or security
- Not scrape, copy, or republish our content without permission
Affiliate Relationships
Ontario Credit Solutions earns revenue through affiliate partnerships with lenders and financial service providers. When you click on a link or submit an application through our site, we may receive compensation from the partner.
This does not cost you anything extra. Affiliate compensation does not affect the terms, rates, or approval of any loan you may receive. Those decisions are made entirely by the lender.
We disclose this relationship because transparency matters to us.
No Financial Advice
The content on this website is for informational purposes only and should not be considered financial, legal, or tax advice. Every person's financial situation is different.
Before making any financial decisions, we recommend consulting with a qualified financial advisor, especially for decisions involving significant debt or credit.
Accuracy of Information
We work to keep information on our site accurate and up to date, but we cannot guarantee that all content — including interest rates, loan terms, lender availability, or eligibility requirements — is current or error-free at all times.
Lenders may change their rates, terms, or availability without notice to us. Always verify details directly with the lender before committing to any loan product.
Third-Party Websites
Our site contains links to third-party websites (lenders, partners, resources). We are not responsible for the content, privacy practices, or terms of those sites. Visiting a third-party site is at your own discretion, and their own terms and privacy policies apply.
Credit Score Inquiries
When we say "no impact to your credit score," we are referring to soft credit inquiries (also called soft checks or soft pulls) used by some of our partner lenders during the initial comparison process.
If you proceed with a full loan application, the lender may perform a hard credit inquiry, which can temporarily affect your credit score. This is standard practice and is disclosed by the lender during their application process.
Intellectual Property
All content on this website — including text, graphics, logos, and design — is the property of Ontario Credit Solutions or its licensors and is protected by Canadian copyright law.
You may not reproduce, distribute, or republish any content from this site without our written permission.
Limitation of Liability
Ontario Credit Solutions provides this website "as is" without warranties of any kind, express or implied.
To the fullest extent permitted by law, we are not liable for:
- Any loan decisions made by third-party lenders
- Losses arising from your use of (or inability to use) our website
- Actions taken by third-party lenders, partners, or linked websites
- Inaccuracies in content, rates, or availability information
Governing Law
These terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes will be resolved in the courts of Ontario.
Changes to These Terms
We may update these terms from time to time. Significant changes will be reflected in the "Last updated" date at the top of this page. Continued use of the site after changes are posted constitutes your acceptance of the revised terms.
Contact Us
If you have questions about these terms:
Email: [email protected] Website: ontariocreditsolutions.ca