Last updated June 8, 2026
These Terms and Conditions govern your use of FixMyCredit.ca. By using our website, you agree to these terms.
These terms and conditions cover this website only; anything you arrange with a specialist we connect you with is governed by that specialist’s own agreement with you.
About Our Service
FixMyCredit.ca is a free referral service that connects Canadians with trusted third-party debt specialists who can help with credit and debt. We are not a lender and we do not offer loans, and we are not a debt counsellor, credit-repair firm, or Licensed Insolvency Trustee. We simply help connect you with the right professional.
No Guarantees
Results vary from person to person. No one can legally guarantee a specific credit score increase or the removal of accurate information from your credit report. Information on this website is general in nature and is not legal, financial, or professional advice.
Eligibility
You must be at least the age of majority in your province or territory (18 or 19) and a resident of Canada to use our service. Referrals are matched to Canadian specialists, so requests from outside Canada cannot be serviced.
Third-Party Specialists
Any services, agreements, or arrangements you enter into with a debt specialist or partner we connect you with are strictly between you and that third party. We are not responsible for the services, advice, fees, or conduct of any third party, and we do not endorse or guarantee their services.
How This Site Is Funded
FixMyCredit.ca is free for you to use. Partners and specialists may compensate us when we make a referral; that compensation funds the site and never adds any cost to you. Our educational guides are written independently of referral arrangements, and nothing on this site should be read as an endorsement of any specific third party.
Your Responsibilities
- Provide accurate information when you submit a request — referrals based on inaccurate details may not be suitable for you.
- Use the site for personal, non-commercial purposes and don’t attempt to scrape, copy or misuse its content or forms.
- Do your own due diligence on any specialist before signing an agreement — the Financial Consumer Agency of Canada publishes free, unbiased guidance worth reading first.
Limitation of Liability
FixMyCredit.ca is provided on an “as is” basis. To the fullest extent permitted by law, we are not liable for any loss or damage arising from your use of this website or from any services provided by a third party we connect you with.
Intellectual Property
All content on this website is owned by or licensed to FixMyCredit.ca and may not be copied or reused without permission.
Governing Law
These terms are governed by the laws of Canada and the province in which you reside.
Severability
If any part of these terms and conditions is found unenforceable, the rest remains in effect. These terms, together with our privacy policy, are the entire agreement between you and FixMyCredit.ca regarding use of this website.
Questions Before You Use the Service
If anything in these terms and conditions is unclear — what we do, what we don’t do, or how referrals work — read our about page first; it explains the service in plain language. Using the site after reading these terms means you accept them.
Changes to These Terms and Conditions
We may update these Terms and Conditions from time to time. Continued use of the website means you accept the current version.
Contact Us
Questions about these terms and conditions? Reach us through our free credit assessment page and note your question, and we’ll respond directly.
