Terms of Use

These Terms of Use the (“Terms”) contain the terms and conditions pursuant to which you may access and use the website owned and operated by Equifax Canada Co. located at www.equifax.ca (the “Site”).  Each time you access this Site you are acknowledging and agreeing to be bound by the Terms.  These Terms may be updated from time to time and you should check the Site for updates.


  1. PROVIDERS OF PRODUCTS. The products and product features (“Product" or "Products") available via this Site are provided by Equifax Canada Co. ("Equifax"). We may also partner with other companies ("Suppliers") or affiliates (“Equifax Affiliates”) to provide Products to you or sell you a Product provided by a Supplier or Equifax Affiliate. Equifax, Equifax Affiliates and its Suppliers are referred to in this Agreement as "We," "Us," and "Our." You, the Person visiting and utilizing this Site, are referred to as "You", “Your” or the “Member”.

  2. ACCESS TO SITE, USE AND GOVERNING LAW.  Access to, and use of, this Site are subject to all laws and regulations applicable in Your province or territory of residence. Individuals residing in an area where the access to or use of the Site or any part of is illegal or prohibited are not permitted to use the Site. It is Your responsibility to determine if You can legally use the Site in compliance with all applicable laws. Please be aware that certain Products and/or Product features may not be offered, applicable or available to You based on residency, age or other eligibility criteria or factors. Persons accessing this Site are required to obtain information about and observe any relevant restrictions.  If any term or condition in these Terms  is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed to be severable from the rest of the terms and conditions and shall not affect the validity and enforceability of any remaining provisions of the Terms. The terms, exclusions and conditions of the written contracts relating to Products mentioned on this Site are not fully described on the Site or in this Agreement. Their interpretation is governed by the terms and conditions of the written contract You enter with Us, and by any applicable laws and regulations. This Agreement is made and will be interpreted under Ontario law, and you submit to the exclusive jurisdiction of Ontario courts located in Toronto.

  3. SITE AVAILABILITY. Because of the nature of Internet and online communications, this Site may not perform as intended despite Our efforts, those of Your Internet service provider, and You. We do not guarantee uninterrupted or error free operation this Site. We will use reasonable efforts to maintain operation of the Site. 

  4. OWNERSHIP. This information, materials, text, graphics, images, logos, site design, and the selection, assembly, and arrangement of the Site (collectively “Content”)  is protected by applicable Canadian copyright and trade-mark laws, as well as by the copyright and trade-mark laws of other countries.  The Content cannot be altered without infringing on Our rights, including without limitation Our moral rights.  As such, You may not remove, alter or cover any copyright or other proprietary notices placed on this site or on products or related Content acquired through this Site. We, collectively or individually, retain ownership of all intellectual property rights in this Site, including without limitation the Content.  For the avoidance of doubt, the Content may not be copied, distributed, displayed, modified, reproduced, performed, published or reverse engineered in whole or in part without Our prior written permission.

  5. PERSONAL INFORMATION; AUTHORIZATION. As needed to provide Products to You, You authorize and instruct Us to collect, use, monitor, compile and disclose Your personally identifiable information. By placing Your order, You acknowledge and agree that Your access to the Products and any consumer credit or personally identifiable information contained therein is subject to Your prior written authorization and Our approval of Your order. As such, You understand and agree that by submitting Your order, You are providing “express consent” in accordance with applicable Canadian privacy and credit reporting legislation for Us to obtain credit information from the personal credit report maintained by one or more  credit reporting agencies and You hereby authorize Us to access Your personal information and Your credit information in order to provide the Products. By submitting Your order, You acknowledge receipt of Our Privacy Policy  and agree that We may use and share Your personal information in accordance with Our Privacy Policy, which is incorporated by reference into this Agreement.

  6. SECURITY, COOKIES AND LINKS.  Once you have gained access to the Site, it is highly recommended that you do not leave the computer terminal until you have left the Site.  We do not warrant that any information, software or other material accessible through the Site or through links to other web sites are free of viruses, worms, Trojan horses or other harmful components. Without the use of encryption, communication through the Internet or electronic communication is not secure and privacy cannot be ensured. Cookies are small data files sent to the Internet browser when a user visits an Internet site. Cookies record information on the visitors or on the pages visited. We may use cookies in order to facilitate Your future visits on the Site. They do not contain or transmit any personal information.  We have retained the services of a specialized firm to help it evaluate the effectiveness of our advertising and to determine the behaviour of visitors on our Site. To this end, We may use Internet tags and cookies provided by this firm and added to the web pages. We gather only information pertaining to Your behaviour on our Site, such as the pages you visit; no personal information is gathered. We do not review or approve outside sites that are or may be linked to this Site.  Links from or to Internet Web sites outside this Site are meant for convenience only and you access them at your own risk. These links should not be construed as an endorsement, a guarantee or a recommendation of the products or services offered on those sites. We expressly disclaim any liability of any nature whatsoever arising directly or indirectly from other sites connected to the Site by hyperlink. This disclaimer is in addition to section 12 below.

  7. LIMITATION OF LIABILITY.  All Content found or accessed on this Site is provided on an "AS IS" basis and without warranties of any kind, either expressed or implied. We completely disclaim all liability arising from the use of the Content contained on this Site by You. Further, and without limiting the generality of the foregoing, in no event shall We be liable for any direct, indirect, incidental, consequential or special damages, losses, claims or expenses arising out of the use of the information herein, or in any way connected with access to or use of the Site.  Without limiting the foregoing, We do not represent or warrant that the use of the Site and, including the browsing and downloading of any Content, will be free of viruses, Trojan horses, worms or other destructive or disruptive components.  You acknowledge and agree that is it up to You to ensure that you have a complete and current backup of the information contained on your computer system prior to using the Site and that You will take reasonable precautions to scan for computer viruses, worms, Trojan horses, and other items of a destructive nature when using this Site.


Last Revised:  August 2015