Terms & Conditions

Effective date: July 26, 2026

Welcome to TDailyGuide.com (“TDailyGuide,” “we,” “our,” or “us”). These Terms & Conditions (“Terms”) govern your access to and use of our website, quizzes, forms, advertisements, and related online services (collectively, the “Service”).

By accessing or using the Service, you agree to these Terms. If you do not agree, you should not use the Service.

1. Eligibility and Acceptable Use

The Service is intended for individuals who are at least 18 years old and located in Canada.

You agree to use the Service only for lawful purposes. You must not:

• Provide false, misleading, fraudulent, or unauthorized information.
• Use the Service to violate any applicable law or the rights of another person.
• Attempt to gain unauthorized access to the Service, its systems, or its data.
• Introduce malware, automated scraping tools, or other harmful technology.
• Interfere with the operation, security, or availability of the Service.
• Copy, reproduce, republish, or commercially exploit Service content without permission.

2. Informational and Referral Service

TDailyGuide provides general information and may help connect users with independent third-party providers. Completing a quiz, questionnaire, or form does not guarantee that you qualify for any product, program, service, settlement, reduction, loan, or other outcome.

3. No Professional Advice

Content made available through the Service is for general informational purposes only. It is not a substitute for advice from a qualified professional who understands your individual circumstances.

You are responsible for evaluating any information or third-party offer and obtaining independent professional advice before making a financial, legal, credit, tax, or other important decision.

4. Information You Submit

You agree that information you submit through the Service is accurate, current, and complete to the best of your knowledge. You authorize us to use and disclose submitted information as described in our Privacy Policy and in any consent language shown when you submit a form.

Submission of information does not create an advisory, fiduciary, lender-borrower, lawyer-client, or other professional relationship with TDailyGuide.

5. Communications Consent

Where you provide consent, TDailyGuide or an independent provider may contact you by telephone, text message, or email regarding your request. Consent to receive marketing communications is not a condition of purchasing a product or service unless clearly stated otherwise.

Message and data rates may apply. You may withdraw consent from applicable text messages by replying “STOP” and from applicable emails by using the unsubscribe link. Other withdrawal methods may be described in our Privacy Policy or in the communication itself.

6. Third-Party Providers and Websites

The Service may refer or link you to independent third parties. We do not control and are not responsible for their products, services, eligibility criteria, advice, fees, contracts, privacy practices, security, availability, or conduct.

Your dealings with a third party are solely between you and that third party. You should carefully review its terms, disclosures, credentials, and privacy policy before providing information or entering into an agreement.

7. Accuracy and Availability

We aim to provide useful and current information, but we do not guarantee that Service content is complete, accurate, current, error-free, or suitable for your circumstances. Information, eligibility criteria, and third-party offerings may change without notice.

We may modify, suspend, restrict, or discontinue any part of the Service at any time without liability.

8. Intellectual Property

The Service and its content, including its design, text, graphics, logos, branding, questionnaires, and software, are owned by or licensed to TDailyGuide and are protected by applicable intellectual property laws.

We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to access and use the Service for its intended purpose. No ownership rights are transferred to you.

9. Disclaimer of Warranties

To the fullest extent permitted by law, the Service is provided on an “as is” and “as available” basis. TDailyGuide disclaims all express, implied, and statutory warranties, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, and uninterrupted availability.

We do not warrant that use of the Service will result in approval, savings, debt reduction, improved credit, or any particular financial or other outcome.

10. Limitation of Liability

To the fullest extent permitted by applicable law, TDailyGuide and its owners, affiliates, officers, employees, contractors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost opportunities, loss of data, or business interruption arising from or related to the Service.

Where liability cannot be excluded, our liability will be limited to the minimum amount permitted by law. Nothing in these Terms excludes liability that cannot lawfully be excluded or limited.

11. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless TDailyGuide and its owners, affiliates, officers, employees, contractors, and service providers from claims, losses, liabilities, damages, and reasonable costs arising from your misuse of the Service, violation of these Terms, or infringement of another person’s rights.

12. Privacy

Our collection, use, disclosure, and safeguarding of personal information are described in our Privacy Policy. The Privacy Policy forms part of these Terms.

13. Changes to These Terms

We may revise these Terms periodically. The updated version will be posted on this page with a revised effective date. Your continued use of the Service after updated Terms are posted constitutes acceptance of the revised Terms to the extent permitted by law.

14. Governing Law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in Ontario, without regard to conflict-of-law principles. Subject to applicable consumer-protection laws, disputes relating to these Terms or the Service will be brought before the courts located in Ontario, Canada.

15. Severability and Waiver

If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect. A failure to enforce any provision is not a waiver of that provision or any other right.

16. Entire Agreement

These Terms, together with our Privacy Policy and any additional notices presented through the Service, constitute the entire agreement between you and TDailyGuide regarding your use of the Service.

17. Contact Us

Questions about these Terms may be directed to: