General Terms and Conditions of Use

Last Updated: July 25, 2025

1. Acceptance of These Terms

Welcome to CreditBump.org (the “Site”). These General Terms and Conditions of Use (“Terms”) form a binding legal contract between you (the “User”) and CreditBump.org (“we,” “us,” “our”).

By accessing, Browse, or using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and to comply with all applicable Canadian laws and regulations. If you do not agree to these Terms, you are not authorized to use this Site and must cease all use immediately.

2. Intellectual Property and Limited Use Licence

All content available on this Site, including but not limited to text, graphics, logos, data compilations, and software, is the property of CreditBump.org or our content suppliers and is protected by Canadian and international copyright laws.

We grant you a limited, non-exclusive, non-transferable, and revocable licence to access and make personal, non-commercial use of the materials on this Site for informational purposes only. This is a grant of a licence, not a transfer of title. Under this licence, you are strictly prohibited from:

  • Modifying, copying, or creating derivative works from the materials;
  • Using the materials for any commercial purpose or for any public display;
  • Attempting to decompile or reverse engineer any software contained on the Site;
  • Removing any copyright or other proprietary notations from the materials;
  • Transferring the materials to another person or “mirroring” the materials on any other server.

This licence shall automatically terminate if you violate any of these restrictions and may be terminated by us at any time. Upon termination, you must destroy any downloaded materials in your possession, whether in electronic or printed format.

3. Disclaimers and No Warranties

The information and materials on this Site are provided for your general informational purposes only.

  • “As-Is” Basis: The Site is provided on an “as-is” and “as-available” basis. We expressly disclaim all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
  • No Financial Advice: The content on CreditBump.org is not intended to be, and should not be construed as, financial, investment, legal, or tax advice. We are not a financial advisor. You should always consult with a licensed professional before making any financial decisions.
  • Accuracy of Information: While we strive for accuracy, we do not warrant or make any representations concerning the accuracy, completeness, or reliability of the materials on the Site or on any third-party sites linked to it. Information from financial institutions can change, and we are not responsible for discrepancies. Always verify all terms and conditions directly with the product or service provider.
  • Partnerships and Affiliates: The Site may be supported by partnerships and affiliate relationships. These relationships may influence the products we review and the order in which they appear. We do not guarantee the quality or suitability of any advertised products or services.

4. Limitation of Liability

In no event shall CreditBump.org or its directors, employees, or affiliates be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on this Site, even if we have been notified of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. Links to Third-Party Websites

We may provide links to other websites for your convenience. We have not reviewed all of these third-party sites and are not responsible for their content or their privacy practices. The inclusion of any link does not imply our endorsement of the site. Use of any such linked website is at your own risk.

6. Revisions and Modifications

We reserve the right to revise these Terms at any time without notice. By using this Site, you are agreeing to be bound by the then-current version of these Terms and Conditions of Use. We may also make changes to the materials contained on the Site at any time without notice but do not make any commitment to update the materials.

7. Contact Us

If you have any questions about these Terms, please contact us at: Email: [email protected]