IMPORTANT! YOUR ACCESS TO THIS WEBSITE IS SUBJECT TO LEGALLY BINDING TERMS AND CONDITIONS. CAREFULLY READ ALL OF THE FOLLOWING TERMS AND CONDITIONS BEFORE PROCEEDING. ACCESSING THIS WEBSITE IS THE EQUIVALENT OF YOUR SIGNATURE AND INDICATES YOUR ACCEPTANCE OF THESE TERMS AND CONDITIONS AND THAT YOU INTEND TO BE LEGALLY BOUND BY THEM. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS YOU MUST EXIT THE WEBSITE.
By accessing and/or using this Website, you represent and warrant that you are over the age of 18 and are lawfully able to accept this Agreement. If you do not have the capacity to enter into a legal agreement in the province, state, territory or country in which you reside, do not access or use the Website.
By accessing and/or using this Website you acknowledge that you have not been previously suspended or removed from this Website by InterestPiggy for any reason, unless since the date of your suspension or removal you have received written authorization from InterestPiggy to access this Website.
If you are accessing and/or using the Website on behalf of any entity, you further represent and warrant that you are authorized to accept this Agreement on such entity’s behalf, and that such entity agrees to indemnify InterestPiggy in accordance with this Agreement.
This Website is intended for clients and customers of InterestPiggy and members of InterestPiggy. You are not authorized to use this Website or its contents for any purpose other than is consistent with use as a client, customer or member of InterestPiggy.
You hereby consent to the exchange of information and documents between you and InterestPiggy or an agent of InterestPiggy electronically over the Internet, by email, or by another electronic or hardcopy means.
You agree that this electronic Agreement shall be the equivalent of a written paper agreement between you and InterestPiggy.
You agree not to make any unauthorized commercial use of the Website or any Products or Services you obtain through use of the Website or otherwise from InterestPiggy.
You agree that it is solely your responsibility to ensure that your access to this Website complies with the laws of your jurisdiction. We make no representation that information on the Website or any Product or Service is appropriate or available for use outside Canada.
We reserve the right, in our sole discretion to update or revise these Terms. Your continued use of the Website following the posting of any changes to the Terms constitutes acceptance of those changes.
The information and materials available on this Website are not intended to provide specific advice, including any financial or legal advice. You should always consult with a financial or legal expert regarding your own personal circumstances. You should never disregard, avoid or delay obtaining advice from your financial or legal advisor because of something you have read on this Website.
THE WEBSITE IS NOT INTENDED TO CONSTITUTE OR BE A SUBSTITUTE FOR FINANCIAL OR OTHER PROFESSIONAL ADVICE AND SHOULD NOT BE RELIED UPON IN ANY SUCH REGARD. YOU SHOULD ALWAYS CONSULT A FINANCIAL PROFESSIONAL REGARDING ANY FINANCIAL RELATED CONTENT ON THIS SITE. THE INFORMATION IN THIS SITE DOES NOT CREATE ANY FINANCIAL PROVIDER/CLIENT RELATIONSHIP BETWEEN YOU AND INTERESTPIGGY. NO ADVICE OR INFORMATION OF ANY KIND, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE CONTENT OR THE WEBSITE SHALL CREATE ANY WARRANTY.
This Website, including all software code, its content and design, is protected under applicable intellectual property and other laws, including without limitation the laws of Canada and other countries (“Content”). For clarity, Content further includes all information you submit to the Website or to InterestPiggy through the Website including, but not limited to, any Submissions, ads, messages, images, articles, text, illustrations, graphics, photographs, information, audio or video clips, or other information (or any combination thereof) submitted through any section of the Website. All Content and intellectual property rights therein are the property of InterestPiggy, unless otherwise agreed in a prior written agreement with InterestPiggy. You do not acquire ownership rights to any Content, whether viewed or otherwise accessed, through this Website. Except as otherwise provided herein, none of this Content may be used, copied, reproduced, distributed, reverse engineered, republished, downloaded, modified, sold, rented, shared, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic or mechanical copying, photocopying, recording, or otherwise, without InterestPiggy’s express prior written permission.
You are hereby granted, subject to this Agreement, a limited, non-exclusive, non-transferable license to view the screens, materials, and Content (excluding any software code) on this Website and to print only a limited number of copies of such screens, materials and Content as is reasonably needed for your own non-commercial use. You agree not to share the copied screens, materials and Content with any other person or entity, and to destroy such copied screens, materials and Content immediately upon the completion of the use of the screens and materials for which you made a copy of such screens, materials and Content.
This Website contains trademarks, service marks, trade dress, designs, logos, product and service names, and graphics (collectively, “Trademarks”) that are owned by InterestPiggy or by third parties. You are not authorized to display copy or use the Trademarks in any manner without the prior written permission of the rights owner.
You certify, represent and warrant that when using the Website you will comply with all applicable laws and regulations, including, without limitation, those relating to the Internet, data, email, messaging, privacy, and the transmission of technical data exported from Canada or the country in which you reside.
You further consent to InterestPiggy providing information other than personal information, relating to you and your use of the Website to facilitate the function of the Website and to allow users to utilize the Website.
You agree that all ideas, notes, postings, concepts, inventions, know-how, techniques, product reviews, remarks, suggestions, comments, graphics or other information you communicate to InterestPiggy through this Website and all intellectual property rights therein (“Submissions”) shall be the property of InterestPiggy. You hereby irrevocably transfer, assign and convey to InterestPiggy all right, title and interest including without limitation intellectual property rights existing anywhere in the world, in and to any and all Submissions, and waive any moral rights you may have in the Submissions. InterestPiggy will not be required to treat any Submissions as confidential and shall not be subject to any obligations of confidentiality regarding any such Submissions unless: (i) specifically agreed by InterestPiggy in writing in advance of your communication of such Submissions to InterestPiggy; or (ii) required by law.
InterestPiggy will not be liable for any similarities of your Submissions to any future business operations of InterestPiggy. Without limitation, InterestPiggy will have exclusive ownership of all present and future existing rights to the Submissions of every kind and nature, and you agree to sign such further documentation and undertake such activities at your expense as may be required by InterestPiggy to evidence such assignment and waivers as you have provided in this Agreement. You represent and warrant that upon submission you owned or had all rights, title and interest in and to your Submissions and had the right to assign them to InterestPiggy, and to waive all moral rights therein, and that all of your Submissions do and will comply with this Agreement.
The InterestPiggy does not pre-screen Submissions or any other Content that is posted on the Website by you or any other person. InterestPiggy will have the right, but not the obligation, at its sole discretion to refuse, move or delete any Content that is inappropriate or objectionable.
You are prohibited from and agree not to store, distribute or transmit to or through the Website any text, data, images, programs, or other Submissions that are illegally obtained or otherwise illegal. Examples or material that is considered illegal include, but are not limited to: material that is threatening, coercive or harassing in nature; material that contains child pornography; material that is copyright protected, contains third-party trademarks, or is proprietary material for which you do not have written permission and complete authorization from the owner(s) of such materials to provide such materials to us for incorporation in the Website. The storage, distribution or transmission of illegal material may result in criminal and/or civil charges being brought against you.
You agree not to provide us with any Submissions or programs that contain viruses, Trojan horses or tools that have the effect of compromising the security of the Website or other sites.
You agree not to do any of the following:
Such unauthorized use may also violate applicable laws including without limitation copyright and trademark laws, the laws of privacy and publicity, and applicable communications regulations and statutes.
InterestPiggy will not be responsible for any damages you or any third-party may suffer as a result of the submission, transmission, storage or receipt of confidential or proprietary information that you make or that you expressly or implicitly authorize InterestPiggy to make, or for any errors or any changes made to any submitted, transmitted, stored or received information.
You are solely responsible for the retrieval and use of the Content. You should apply your own judgment in making any use of any Content, including, without limitation, the use of the information as the basis for any conclusions.
INTEREST PIGGY ASSUMES NO OBLIGATION TO UPDATE THE CONTENT ON THIS WEBSITE. THE CONTENT ON THIS WEBSITE MAY BE CHANGED WITHOUT NOTICE TO YOU. INTEREST PIGGY IS NOT RESPONSIBLE FOR ANY CONTENT OR INFORMATION THAT YOU MAY FIND UNDESIRABLE OR OBJECTIONABLE. INTEREST PIGGY DISCLAIMS ANY LIABILITY FOR UNAUTHORIZED USE OR REPRODUCTION OF ANY PORTION OF THE WEBSITE. ACCESSING THE CONTENT FROM TERRITORIES WHERE IT MAY BE ILLEGAL IS PROHIBITED.
THERE IS NO GUARANTEE THAT INFORMATION OR PERSONAL INFORMATION ON THIS WEBSITE OR ON THE INTERNET, OR SUBMISSIONS TO THIS WEBSITE OR THROUGH THE INTERNET WILL BE MAINTAINED CONFIDENTIAL AND SECURE. THE USE OF THIS WEBSITE AND THE CONTENT IS AT YOUR OWN RISK AND INTEREST PIGGY ASSUMES NO LIABILITY OR RESPONSIBILITY PERTAINING TO THE CONTENT, YOUR USE OF THE WEBSITE OR THE RECEIPT, STORAGE, TRANSMISSION OR OTHER USE OF YOUR INFORMATION OR PERSONAL INFORMATION.
If you believe that any Content on this Website infringes your copyright, you may request that it be removed. This request must bear a signature of the copyright owner and must comply with the following, or with the requirements of applicable law in the relevant jurisdiction: (a) identify the allegedly infringing Content; (b) indicate where on the Website the infringing Content is located; (c) provide your name and contact information; (d) state that you have a good faith belief that the Content is infringing; (e) state that the information in your claim is accurate; and (f) indicate that “under penalty of perjury” you are the lawful copyright owner. Our contact for copyright issues relating to this Website is: frontdesk@InterestPiggy.com
We reserve the right at any time and from time-to-time to modify, edit, delete, suspend or discontinue, temporarily or permanently, this Website (or any portion thereof) and/or the information, materials, forms, or other Content, products of InterestPiggy, and other products and/or services available through this Website (or any portion thereof) (the “Products” or the “Services”), with or without notice. You agree that we shall not be liable to you or to any third party for any such modification, editing, deletion, suspension or discontinuance of this Website.
Our failure at any time to require performance of any provision of this Agreement or to exercise any right provided for herein will not be deemed a waiver of such provision, any other provisions, or such right. All waivers must be in writing. Unless the written waiver contains an express statement to the contrary, no waiver by InterestPiggy of any breach of any provision of this Agreement or of any right provided for herein will be construed as a waiver of any continuing or succeeding breach of such provision, a waiver of the provision itself, or a waiver of any right under this Agreement.
The disclaimers, limitations on liability, ownership, termination, interpretation, your license to InterestPiggy, your assignment to InterestPiggy, your warranty and the indemnity provisions of this Agreement shall survive the termination or expiry of this Agreement.
InterestPiggy reserves the right to refuse service to you at any time and to remove any Content you submit for any reason and without notice to you.
Any provision of this Agreement which is held by a court of competent jurisdiction to be illegal, invalid or unenforceable in such jurisdiction shall, as to that jurisdiction, be ineffective to the extent of such illegality, invalidity or unenforceability and shall otherwise be enforced to the maximum extent permitted by law, all without affecting the remaining provisions of this Agreement or affecting the legality, validity or enforceability of such provision in any other jurisdiction.
InterestPiggy will cooperate with any investigation by any federal, provincial, or local body or any court or tribunal legitimately exercising its rights. Such cooperation occur without any notice being provided to you.
This Agreement will be governed under the laws of the Province of Ontario, Canada without regard to its conflicts of law provisions and shall be treated in all respects as an Ontario contract. Venue for all actions or proceedings arising out of or relating to this Agreement will be exclusively in provincial or federal court in Toronto, Ontario, Canada. You hereby irrevocably consent and submit to the personal jurisdiction of said courts for all such purposes.
You agree that regardless of any statute or law to the contrary, you must file any claim or cause of action arising out of or related to use of the Website or any Service or Product you obtained in relation to the Website within one (1) year after such claim or cause of action arose or be forever barred.
We expressly exclude the UN Convention on Contracts for the International Sale of Goods, and the International Sale of Goods Act Ontario as amended, replaced or re-enacted from time to time. You agree to waive any right you may have to: (i) a trial by jury; and (ii) commence or participate in any class action against InterestPiggy related to this Website, the Content, the Services, products of InterestPiggy, or this Agreement and, where, applicable, you also agree to opt out of any class proceedings against InterestPiggy, its agents, or its licensors. We have required that this Agreement and all documents relating thereto be drawn-up in English. Nous avons demandé que cette convention ainsi que tous les documents qui s’y rattachent soient rédigés en anglais.
There is no agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship between InterestPiggy and you.
EXCEPT AS EXPRESSLY PROVIDED IN THIS AGREEMENT, THIS WEBSITE AND ALL CONTENT, INFORMATION, NAMED, IMAGES, PICTURES AND LOGOS, PRODUCTS, SERVICES AND SOFTWARE ON THIS WEBSITE OR MADE AVAILABLE THROUGH THIS WEBSITE ARE PROVIDED “AS IS” WITHOUT ANY REPRESENTATIONS, WARRANTIES, GUARANTEES OR CONDITIONS, OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO, WARRANTIES AS TO UNINTERRUPTED OR ERROR FREE OPERATION OR PERFORMANCE, AVAILABILITY, VISIBILITY, ACCURACY, QUALITY, COMPLETENESS, COMPATIBILITY, SECURITY, CURRENTNESS, RELIABILITY, TIMELINESS, LEGALITY, SUITABILITY, PRIVACY, SECURITY, MERCHANTABILITY, TITLE, NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE, OR THOSE ARISING OUT OF A COURSE OF DEALING OR USAGE OF TRADE. INTEREST PIGGY ASSUMES NO RESPONSIBILITY OR LIABILITY FOR TIMELINESS OR PERFORMANCE OF THE WEBSITE, OR FOR ERRORS, INACCURACIES, OMISSIONS OR INCOMPLETE INFORMATION IN THE WEBSITE OR THE CONTENT.
IN NO EVENT WILL INTEREST PIGGY, ITS AFFILIATES, AGENTS, LICENSORS, SUPPLIERS, THIRD PARTIES ENGAGED BY INTEREST PIGGY, THIRD PARTIES THAT ASSIST INTEREST PIGGY, OR THEIR RESPECTIVE DIRECTORS, OFFICERS OR EMPLOYEES BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE, EXEMPLARY, AGGRAVATED, ECONOMIC OR CONSEQUENTIAL DAMAGES, HOWSOEVER CAUSED IN RELATION TO THE CONTENT OR THE WEBSITE, OR OTHERWISE IN RELATION TO ANY ACTION OR OMISSION BY INTEREST PIGGY, INCLUDING BUT NOT LIMITED TO: DAMAGES FOR LOSS OF USE, LOST PROFITS OR LOST SAVINGS, EVEN IF INTEREST PIGGY OR ANY OF ITS LAWFUL AGENTS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR CLAIM.
IN NO EVENT WILL INTEREST PIGGY, ITS AFFILIATES, AGENTS, LICENSORS, SUPPLIERS, THIRD PARTIES ENGAGED BY INTEREST PIGGY, THIRD PARTIES THAT ASSIST INTEREST PIGGY, OR THEIR RESPECTIVE DIRECTORS, OFFICERS OR EMPLOYEES, BE LIABLE FOR ANY DAMAGES OR LOSSES WHATSOEVER, HOWSOEVER CAUSED, RESULTING FROM: INTERRUPTIONS, SUSPENSIONS, DELAYS, OMISSIONS, VIRUSES, WORMS, INFECTIONS, TROJAN HORSES, CONTAMINATING CODE, DATA CORRUPTION, FAILED MESSAGES, TRANSMISSION ERRORS OR PROBLEMS; TELECOMMUNICATIONS SERVICE PROVIDERS; LINKS TO THIRD-PARTY SOCIAL NETWORKING SITES OR ACCOUNTS, WEBSITES OR WEBPAGES; THE INTERNET BACKBONE; CLOUD ERRORS OR PROBLEMS; PERSONAL INJURY; THIRD-PARTY CONTENT, PRODUCTS OR SERVICES (INCLUDING OF THIRD PARTIES ENGAGED BY OR ASSISTING INTEREST PIGGY); SUBMISSIONS OR OTHER INPUT YOU SUBMIT TO THIS WEBSITE; DAMAGES OR LOSSES CAUSED BY YOU, OR YOUR RESPECTIVE EMPLOYEES, AFFILIATES, AGENTS OR SUBCONTRACTORS; LOSS OF USE OR LACK OF AVAILABILITY OF FACILITIES INCLUDING COMPUTER RESOURCES, ROUTERS AND STORED DATA; THE USE OR INABILITY TO USE THIS WEBSITE OR THE CONTENT; ANY OTHER WEBSITE OR WEBPAGE, OR SOCIAL NETWORKING SITE OR ACCOUNT, ACCESSED TO OR FROM THIS WEBSITE; OR EVENTS BEYOND THE REASONABLE CONTROL OF INTEREST PIGGY, EVEN IF INTEREST PIGGY OR ANY OF ITS LAWFUL AGENTS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR CLAIM.
IN NO CASE WILL INTEREST PIGGY’S, ITS AFFILIATES’, AGENTS’, LICENSORS’, SUPPLIERS’, THIRD PARTIES’ (ENGAGED BY INTEREST PIGGY), THIRD PARTIES’ (THAT ASSIST INTEREST PIGGY), AND THEIR RESPECTIVE DIRECTORS’, OFFICERS’ AND EMPLOYEES’ CUMULATIVE TOTAL LIABILITY ARISING UNDER ANY CAUSE WHATSOEVER, INCLUDING WITHOUT LIMITATION BREACH OF CONTRACT, TORT, NEGLIGENCE, GROSS NEGLIGENCE, OR OTHERWISE, BE FOR MORE THAN THE AMOUNT, IF ANY, PAID BY YOU UNDER THIS AGREEMENT TO ACCESS THIS WEBSITE, IN THE YEAR IN WHICH THE CLAIM AROSE.
You agree at all times to indemnify, defend and hold harmless InterestPiggy, its agents, suppliers, affiliates, third parties engaged by InterestPiggy, third parties that assist InterestPiggy, and their respective directors and employees against all actions, proceedings, costs, claims, damages, demands, liabilities and expenses whatsoever (including legal and other fees and disbursements) sustained, incurred or paid by InterestPiggy directly or indirectly in respect of:
If you are a member of InterestPiggy we may grant you access to certain portions of the Website that require a login and/or password to access. You agree only to access such portions of the Website if you are a member of InterestPiggy and InterestPiggy grants you authorization to access such portions of the Website. InterestPiggy may grant you a legitimate user ID, password and/or access code. For clarity, if InterestPiggy has not provided you with a login and/or access code you are not authorized to access such areas of the website that require a login and/or password to be accessed.
You agree that you will only have one active account. You further agree that you are responsible for maintaining the secrecy of your password and account information including your login and password. Use of your login and/or password by any person that is not you is expressly prohibited and should this occur for any reason whatsoever you are wholly and fully responsible for all activities of such person, including any omissions by such person, when so logged-in or accessing password protected portions of the Website. You agree to indemnify InterestPiggy for any such activities by any such person.
You agree that we can at any time revoke your access to any portions of the Website that require authorization to access, at our sole discretion.
If you are a member you represent and warrant that:
You understand and acknowledge that members that provide financial services, such as members that are banks, virtual banks, brokers and agents, that participate on the Website (the “Provider Members”) are not employees of InterestPiggy. INTERESTPIGGY IS NOT RESPONSIBLE OR LIABLE FOR ANY ACTS OR OMISSIONS CREATED OR PERFORMED BY SUCH PROVIDER MEMBERS AND/OR ANY THIRD PARTY. YOUR CORRESPONDENCE OR BUSINESS DEALINGS WITH PROVIDER MEMBERS OR ANY OTHER THIRD PARTIES INITIATED ON OR ENGAGED IN THROUGH THE WEBSITE OR ANY PRODUCTS OR SERVICES PROVIDED THROUGH THE WEBSITE, INCLUDING BUT NOT LIMITED TO PAYMENT AND DELIVERY OF SERVICES, GOODS RELATED TO SUCH SERVICES, AS WELL AS ANY PERSONAL INFORMATION, OPT-IN CONTACT INFORMATION AND ANY OTHER TERMS, CONDITIONS, WARRANTIES OR REPRESENTATIONS EXCHANGED IN RELATION TO, OR OTHERWISE ASSOCIATED WITH SUCH SERVICES, ARE SOLELY BETWEEN YOU AND SUCH PROVIDER MEMBER OR OTHER THIRD PARTY. INTERESTPIGGY WILL NOT BE RESPONSIBLE OR LIABLE FOR ANY LOSS OR DAMAGE OF ANY SORT, WHETHER OR NOT FORESEEABLE, INCURRED AS A RESULT OF SUCH SERVICES BETWEEN YOU AND ANY PROVIDER MEMBER OR OTHER THIRD PARTY. YOU AGREE TO HOLD HARMLESS AND INDEMNIFY INTERESTPIGGY FOR ANY AND ALL CLAIMS, DEMANDS, JUDGMENTS, LIABILITY, COSTS, OR FEES, INCLUDING REASONABLE ATTORNEYS RELATING TO SUCH SERVICES BETWEEN YOU AND ANY PROVIDER MEMBER OR OTHER THIRD PARTY.
YOU AGREE TO HOLD HARMLESS AND INDEMNIFY INTERESTPIGGY FOR ANY AND ALL CLAIMS, DEMANDS, JUDGMENTS, LIABILITY, COSTS, OR FEES, INCLUDING REASONABLE ATTORNEYS’ FEES, ARISING OUT OF OR RELATING TO DISPUTES OVER TRANSACTIONS, SERVICES OR PRODUCTS ENTERED INTO THROUGH THE WEBSITE, INCLUDING THOSE YOU ENGAGED IN AS A MEMBER OF THE WEBSITE. YOU AGREE TO PAY FOR ANY AND ALL PRODUCTS AND SERVICES THAT YOU HAVE REQUESTED OR ACCEPTED THROUGH YOUR USE OF THE WEBSITE. YOU ALSO AGREE TO PROVIDE ANY OR ALL PRODUCTS AND SERVICES THAT YOU HAVE BEEN ENGAGED TO PROVIDE OR PERFORM BY USERS OF THE WEBSITE. YOU UNDERSTAND AND AGREE THAT INTERESTPIGGY WILL NOT BE HELD LIABLE FOR ANY USER’S FAILURE TO COMPLETE A TRANSACTION OR PROVIDE A SERVICE REQUESTED THROUGH THIS WEBSITE.
You represent and warrant that you will not, through any use of this Website and otherwise in any manner through your member account: (i) violate any term or condition of this Agreement; (ii) violate any applicable law, regulation, license limitations, statute, ordinance, or treaty; (iii) contribute false, inaccurate, or misleading information to the Website; or (iv) violate the rights of any third party, including trademark rights, copyright rights, patent rights, and rights of privacy or publicity.
If you engage in bidding on the Website you agree to comply with the following requirements:
If you engage in posting an competition on the Website you agree to comply with the following requirements:
INTERESTPIGGY AND YOU BOTH AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE WEBSITE MUST COMMENCE WITHIN ONE YEAR AFTER THE CAUSE OF ACTION ACCRUES. FAILURE TO ASSERT SAID CAUSE OF ACTION WITHIN ONE YEAR WILL PERMANENTLY BAR ANY AND ALL RELIEF.
All rights not expressly granted herein are reserved to InterestPiggy.
This Website may contain links to other websites or webpages, or social networking sites or accounts, or other means to access websites that were not created by and are not maintained by InterestPiggy. Such links exist as a convenience to you. InterestPiggy does not assume responsibility for the accuracy or appropriateness of the information, data, opinions, advice, or statements contained at such other websites or webpages, or social networking sites or accounts, and when you access such other websites or webpages, or social networking sites or accounts, you are doing so at your own risk. In providing links to the other websites or webpages, or social networking sites or accounts, InterestPiggy is in no way acting as a publisher or disseminator of the material contained on those other websites or webpages, or social networking sites or accounts, and does not seek to monitor or control such other websites or webpages, or social networking sites or accounts. A link to another website or webpage, or social networking site or account, should not be construed to mean that InterestPiggy is affiliated or associated with same. INTEREST PIGGY DOES NOT RECOMMEND OR ENDORSE ANY OF THE CONTENT, INCLUDING WITHOUT LIMITATION ANY HYPER-LINKS TO OR CONTENT FOUND, ON OTHER WEBSITES OR WEBPAGES, OR SOCIAL NETWORKING SITES OR ACCOUNTS. The mention of another party or its product or service on this Website should not be construed as an endorsement of that party or its product or service.
We make no representation that information on this Website is appropriate or available for use outside Canada. Those who choose to access this Website from outside Canada do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.
InterestPiggy (“it”, “us” or “we”) is committed to protecting the privacy and confidentiality of personal information in its possession. InterestPiggy is committed to keeping the personal information of our members, customers clients and industry partners accurate, confidential and secure.
Personal information may include, for example, your name and address, your date of birth and gender, your occupation, your personal financial records or credit information, or any personal identification numbers.
InterestPiggy may collect, use or disclose personal information for the purposes identified at the time of collection, as otherwise permitted or required by applicable law, or for any of the following purposes:
Privacy legislation requires InterestPiggy to obtain the consent of an individual to the collection, use or disclosure of personal information in many circumstances.
When InterestPiggy receives personal information from you for the purposes of providing you with InterestPiggy’s services or for other uses identified herein by InterestPiggy, you are providing InterestPiggy with consent as follows:
If you need to provide InterestPiggy with personal information about other individuals, you represent and warrant to InterestPiggy that, where required by law and prior to your disclosure to InterestPiggy, you will obtain the consent of each individual to the collection, use and disclosure by InterestPiggy for the specific purpose(s) that the disclosure is made by you.
Providing InterestPiggy with your personal information is always your choice. When you request products and/or services from InterestPiggy, utilize InterestPiggy’s services, or register with InterestPiggy’s Website, InterestPiggy asks that you provide information that enables InterestPiggy to respond to your request and/or provide you with InterestPiggy’s services. In doing so, you consent to InterestPiggy’s collection, use and disclosure to appropriate third parties of such personal information for these purposes.
There are legal exceptions where InterestPiggy will not need to obtain consent or explain the purposes for the collection, use or disclosure of personal information. Some examples of situations where consent is not required include an emergency that threatens the life, health or security of an individual, or if InterestPiggy must comply with a court order or governmental order.
InterestPiggy may collect personal information about you from other sources, such as websites having links to or from this Website, government ministries, departments or agencies, government registries, investigators, health institutions or organizations, insurance companies or financial institutions. By using InterestPiggy’s Website and/or service(s) you consent to InterestPiggy’s collection of your personal information from other sources.
InterestPiggy does not sell client lists or personal information to others. In providing InterestPiggy’s services or access to InterestPiggy’s Website, InterestPiggy may need to disclose the personal information InterestPiggy collects to other service providers or agents who perform various functions for InterestPiggy, provided such suppliers agree to keep all personal information private, confidential and secure and to use the personal information only to carry out work on InterestPiggy’s behalf.
In certain circumstances, InterestPiggy may be required to provide personal information to third parties for legal or regulatory purposes. For example, under certain exceptional circumstance InterestPiggy may have a legal duty or right to disclose personal information without the individual’s knowledge or consent. Various government agencies such as the Canada Revenue Agency, Human Rights Commission, Ontario Ministry of Finance; Ontario Ministry of Labour, etc. and law enforcement, have the authority to review our files and interview our staff when deemed necessary. These agencies have their own strict privacy obligations.
Each time a visitor comes to the Website, InterestPiggy’s web server may collect and log certain information in access logs. Such access logs may be kept for a reasonable period of time. Such access logs may include, but not be limited to, information such as the following: your machine’s TCP/IP address, files accessed, the date and time of such access, and other information pertaining to your activities on InterestPiggy’s Website and/or webpages linked thereto. These logs are used solely for performance, site administration and security reviews. They are not sold or shared in any way to third party organizations. InterestPiggy may use this non-personal information to optimize InterestPiggy’s Website, products and/or services.
InterestPiggy may, from time to time, use “cookies” solely for security and authentication purposes. Cookies are small pieces of data which are stored on your computer or smart device to allow your Internet browser to remember something about a website and/or services. At your option, you may turn off InterestPiggy’s “cookies” using the applicable features contained in your Internet browser; however, doing so may prevent you from accessing all or part of InterestPiggy’s Websites, products and/or services. To readjust your Internet browser’s cookies options, refer to the applicable instruction documentation for your particular Internet browser.
InterestPiggy may, from time to time, engage third parties to assist with this Website, and such third parties may track your usage, locate your geographic position, collect personal information, send messages to you on behalf of InterestPiggy, push notifications to you, and use “cookies”, as discussed herein.
The amount of time InterestPiggy will retain personal information varies, depending on the services InterestPiggy has provided and the nature of the personal information that InterestPiggy holds. InterestPiggy retains personal information for such period of time as is necessary for InterestPiggy to maintain sufficient information so InterestPiggy may respond to any issues that arise at a later date or as is required by law.
When personal information is no longer required by InterestPiggy or by law, InterestPiggy will either convert it into an aggregated non-identifying form or InterestPiggy will appropriately destroy or erase the personal information in a manner that is in accordance with InterestPiggy’s current policies and procedures.
If you are a member and at any point you decide that you no longer wish to participate as an InterestPiggy member, your practice information record required for the Website will be deleted and a copy of such record will be stored offline in a secure archive in accordance with related laws. Should you reinstate your membership information from this record may be accessed and utilized by InterestPiggy.
InterestPiggy employs reasonable physical, electronic and procedural safeguards that are designed to protect InterestPiggy’s systems and personal information under InterestPiggy’s control against unauthorized access and use. In accordance with appropriate industry standards in Canada, all safety and security measures are appropriate to the sensitivity level of the information collected.
InterestPiggy may engage third party external servers as well as other external services, including cloud services and cloud compatible servers, and InterestPiggy does not have any control over such external servers or services.
Online transactions and information on the Website may be processed using secure 256-bit socket layer (SSL) technology.
Our servers are protected by secure firewalls that are designed to keep your information secure and to protect it against access by other Internet users.
Email is frequently InterestPiggy’s preferred method of communicating with you and others, and, unless you object, InterestPiggy may use unencrypted plain text or html-based emails or messages when communicating with you. These emails or messages, and other electronic means by which InterestPiggy may communicate with you, may contain information that is confidential, unless you instruct InterestPiggy not to send such information electronically. InterestPiggy may communicate with you through other electronic means, in accordance with the contact information you provide to InterestPiggy.
While InterestPiggy makes every effort to secure all electronic communications within InterestPiggy’s control, there are inherent risks involved with exchanging information electronically. For example, such information may be accidentally or deliberately intercepted by third parties. InterestPiggy is unable to accept any responsibility or liability for any damages you may suffer as a result of the interception, alteration or misuse of any information during any electronic exchange of such information.
InterestPiggy will endeavour to be compliant with Canada’s Anti-Spam laws (“CASL”) in InterestPiggy’s commercial electronic communication with you. Should you fail to provide InterestPiggy with the requisite consent to send you commercial electronic messages, or withdraw such consent, InterestPiggy may be unable to provide, or continue to provide, this Website or some of InterestPiggy’s products and/or services that can only be provided if InterestPiggy receives appropriate and required personal information. CASL consent can be provided or withdrawn at: clientcare@InterestPiggy.com
It is important to InterestPiggy that your personal information held by InterestPiggy is accurate and complete. Having accurate information about you enables InterestPiggy to give you better service. You can help InterestPiggy keep personal information up-to-date by keeping InterestPiggy informed of any changes, such as a change of address, telephone number or any other circumstances.
With some exceptions, InterestPiggy has the right to access, verify and amend the information InterestPiggy has about you after InterestPiggy has received your written request and authenticated your identity.
InterestPiggy may charge a reasonable fee for providing information in response to an access request, and, upon request, InterestPiggy will provide an estimate of any such fee upon receiving a request to access information. InterestPiggy may require a deposit for all or part of the fee.
Where applicable or permitted, InterestPiggy will make the information available within 30 days or provide written notice when InterestPiggy requires additional time to respond to a request for access to information.
In some situations, InterestPiggy may not be able to provide access to certain personal information as the right to access personal information is not absolute. If InterestPiggy does not provide you with the requested information, InterestPiggy will notify you in writing and explain InterestPiggy’s reason(s) for not fulfilling your request.
Despite InterestPiggy’s efforts, errors sometimes do occur. If you identify any personal information that is out-of-date, incorrect or incomplete, let InterestPiggy know and InterestPiggy will make the corrections promptly and use every reasonable effort to communicate these changes to other parties who may have inadvertently received incorrect or out-of-date personal information from InterestPiggy. InterestPiggy will note errors, incomplete information or unresolved differences in information collected in any file it has relating to you.
You may, at any time, withdraw your consent to InterestPiggy’s collection, use and disclosure of your personal information, subject to reasonable notice and any legal and/or contractual restrictions.
Should you choose to withdraw your consent, InterestPiggy may be unable to provide, or continue to provide, this Website or some of InterestPiggy’s products and/or services that can only be provided if InterestPiggy receives appropriate and required personal information. Consequently, should you choose not to provide InterestPiggy with the required personal information, InterestPiggy may be unable to offer this Website and such products and/or services to you.
You may, at any time, ask InterestPiggy not to send you further marketing materials about InterestPiggy’s products or services or if you do not wish to receive further invitations, you may unsubscribe or ask InterestPiggy not to contact you for these purposes.
InterestPiggy will respond to questions and concerns relating to InterestPiggy’s personal information handling practices and this policy.
We are an online marketplace that helps you find the most competitive interest rate for your loans, savings or guaranteed investment account.
Through our online service consumers have access to financial providers from all across the country who compete for their business. Imagine just being able to log onto a website using your phone or computer, input your savings or borrowing needs and have financial providers compete to provide you with the very best interest rates.
The bonus? Consumers are matched with the right providers for the start of a new financial relationship.
It’s a fast and convenient way to ensure that you get the interest rate that you’re looking for without having to deal with a third party or waste time shopping around.
InterestPiggy does not work for banks, we are not lenders or brokers, nor do not compete with them. We simply offer financial providers an effective and efficient digital sales method and an opportunity to develop a relationship with the customer before first contact.
Our joy comes from inspiring consumers and providers to succeed with a win-win relationship.
Our team instills a culture that values flexibility, innovation, integrity, passion, respect, teamwork, and trust, and these values serve as both a description of what we already share, as well as an aspiration for what InterestPiggy continues to strive to be.
Our vision is to become the world's largest interest rate marketplace that provides the best digital experience in saving or borrowing of our time. This mission represents what we believe in, what we stand for, and how we approach everything we do.
It all started when our founder approached his existing bank for funding to purchase a commercial building. After several meetings with the bank filling out endless paperwork, he found himself in a limited negotiation position due to the bank’s control of the process. A few weeks before the deal was supposed to close, the bank notified him about a change in lending terms. It was a complete surprise that resulted in a mad scramble to get alternative financing.
“We were incredibly pressed for time, so I walked into all of the major banks and said, 'Look, here's the project we're doing, here are the numbers, I need to know if you can give us a loan, and I need to know today.' I walked out of every single bank with an interest rate offer because they knew I would immediately be going to one of their competitors if they didn't land a deal with me. After this experience, I thought, why can't getting a loan always be this efficient? Why can't customers be empowered to have banks compete directly for their business?”
- Manny Kandola, Founder and CEO
…and so he decided to create InterestPiggy to help other consumers take control of their financing needs.
We launch InterestPiggy.com across Canada
We optimize operations, increase investment in R&D and receive additional financial support
We establish an online community and pre-register consumers across north america
We establish key provider partnerships and recruit high-value providers across the nation
Our platform comes to life and goes through rigorous screening to achieve perfection