Terms and Conditions of Use

Last updated: September 19, 2026.

These Terms of Use (“Terms”) govern access to and use of the Canadian pages of the Kredua website: the pages under /ca/ and the posts whose address begins with “ca-“, in English and in French (the “Site”), operated by RR Digital (CNPJ ), Rua Balbino Bento da Silva, 02, União dos Palmares/AL, CEP 57800-000, Brazil (“Kredua”, “we”, “us”). By using the Site you accept these Terms and our Privacy Policy. If you do not agree, please do not use the Site.

1. What Kredua is, and what it is not

Kredua is an information and comparison site about financial products offered by third parties in Canada: credit cards, personal loans, lines of credit and related services. Kredua is not a bank, a credit union, a lender, a broker or a financial adviser. We do not issue credit, we do not receive or process applications, we do not make credit decisions and we do not charge users anything. Any application is made directly with the institution, on its own website and under its own terms.

2. Eligibility

The Site is intended for people who are at the age of majority in their province or territory of residence. The financial products described are subject to each institution’s own eligibility rules.

3. Accuracy of information and no advice

We make a reasonable effort to describe products accurately, using the institution’s official pages and public regulatory information, and we show the date of the last update on each review. Fees, rates, rewards and conditions change without notice, and the institution’s disclosure documents always prevail over our description. The content is general and educational; it does not consider your situation and is not financial, legal or tax advice. Consult a licensed professional before making a decision.

4. Credit disclosures

Where the Site refers to loans, the following general information applies: personal loans offered by the institutions we describe typically have terms of 6 to 84 months and annual percentage rates (APR) that range from roughly 8% to 35%, the maximum permitted by the Criminal Code of Canada, depending on the lender, the borrower’s credit profile, the amount and the term. Representative example: a $10,000 loan repaid over 36 months at 12% APR costs about $332 per month and about $11,957 in total. Each institution discloses the actual APR, the total cost of borrowing and all fees in its loan agreement before you sign, as required by federal and provincial cost-of-borrowing rules. Kredua does not set, negotiate or guarantee any rate, amount or approval.

5. Advertising, affiliate links and compensation

The Site is funded by advertising and by affiliate agreements. Some links lead to the institution’s official site and may pay Kredua a commission if you apply or are approved. Compensation does not determine what we write, the order of products or the opinion expressed, and it never changes the price you pay. Sponsored placements, when they exist, are labelled.

6. Third-party websites

When you leave the Site through a link, you are subject to the terms and the privacy policy of the destination. We do not control those sites and are not responsible for their content, availability or practices. The presence of a link is not an endorsement.

7. Quizzes and email subscriptions

Our quizzes are free and informational. By completing one and ticking the consent box you agree to receive electronic messages from Kredua under Canada’s Anti-Spam Legislation, which you can stop at any time through the unsubscribe link or by writing to us. Quiz results are suggestions based on simple rules and are not offers, pre-approvals or credit decisions.

8. Acceptable use

You agree not to use the Site for unlawful purposes; not to attempt to access systems, data or accounts you are not authorized to access; not to scrape, copy or republish the content at scale; not to interfere with the Site’s operation, advertising or security; and not to submit false information in forms or quizzes.

9. Intellectual property

The texts, images, quizzes, code, brand and layout of the Site belong to RR Digital or its licensors and are protected by copyright and trademark law. You may read, print and share links to the content for personal, non-commercial use. Any other use, including reproduction, translation or adaptation, requires our written permission. Bank and product names and logos belong to their respective owners and are used only to identify the products described.

10. Disclaimer of warranties

The Site is provided “as is” and “as available”. To the extent permitted by law, we make no warranty, express or implied, about the accuracy, completeness, timeliness or fitness for a particular purpose of the content, or about the uninterrupted or error-free operation of the Site.

11. Limitation of liability

To the extent permitted by applicable law, Kredua and RR Digital are not liable for any loss or damage arising from the use of the Site or reliance on its content, including decisions taken about a financial product, the result of an application made with a third party, or the conduct of any institution or advertiser. Nothing in these Terms limits rights that cannot be limited under the consumer protection law of your province, including the Quebec Consumer Protection Act.

12. Indemnification

You agree to hold Kredua and RR Digital harmless from claims arising from your breach of these Terms or your unlawful use of the Site.

13. Changes to the Site and to these Terms

We may change, suspend or discontinue any part of the Site at any time. We may also update these Terms; the date at the top shows the last revision, and continued use after a change means you accept the updated Terms.

14. Language

These Terms are published in English. A French summary is available on request, and Quebec residents may communicate with us in French at all times. In case of discrepancy between a translation and the English text, the English text prevails, except where the law of your province provides otherwise.

15. Governing law and disputes

These Terms are governed by the laws of Brazil, where RR Digital is established, without prejudice to the mandatory consumer protection rules of the Canadian province or territory where you reside. Before any proceeding, we ask that you contact us so that we can try to resolve the matter directly.

16. Contact

Questions about these Terms: [email protected]. Personal information: [email protected]. Postal address: RR Digital (CNPJ ), Rua Balbino Bento da Silva, 02, União dos Palmares/AL, CEP 57800-000, Brazil.

Last updated: 19/09/2026