Terms of Service

1. Acceptance of Terms

By accessing and using OurDime.ca ("the Site"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.

2. Description of Service

OurDime.ca provides consumer information, product comparisons, and editorial content including our proprietary "True North Score™" and "Green Math Score" ratings to help Canadians make informed purchasing decisions.

3. Editorial Independence

Our ratings and scores represent editorial opinions based on our methodology. The True North Score™ and Maple Wash Index™ are proprietary ratings developed by Our Dime and should not be construed as financial advice.

4. Affiliate Links & Compensation

The Site contains affiliate links. When you click these links and make purchases, we may receive compensation from retailers or financial institutions at no additional cost to you.

Important: Affiliate relationships never influence our editorial content, ratings, or recommendations. We maintain strict separation between editorial and commercial interests.

5. Accuracy of Information

We strive to provide accurate and up-to-date information. However, product prices, availability, and specifications may change. We are not responsible for inaccuracies in third-party information.

Users should verify important information (especially pricing and product specifications) directly with retailers before making purchasing decisions.

6. Intellectual Property

All content on OurDime.ca, including but not limited to text, graphics, logos, the True North Score™, Maple Wash Index™, and Green Math Score methodologies, is the property of Our Dime and protected by Canadian and international copyright laws.

7. User Conduct

You agree not to:

• Use the Site for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Site's operation
• Scrape or harvest data without permission

8. Disclaimer of Warranties

The Site is provided "as is" without warranties of any kind, either express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses.

9. Limitation of Liability

Our Dime shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the Site.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Newfoundland and Labrador, Canada, without regard to conflict of law principles.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Continued use of the Site after changes constitutes acceptance of the modified Terms.

12. Contact Information

For questions about these Terms, please contact us at: legal@ourdime.ca