Terms and Conditions

Last Updated: May 2026

Applicable to residents of Canada (including Quebec), Mexico, and Argentina

By accessing or using financenap.com, you agree to comply with and be bound by the following Terms and Conditions. If you do not agree with these terms, please do not use our website.

1. Acceptance of Terms

By using financenap.com, you acknowledge that you have read, understood, and agree to these Terms and Conditions, along with our Privacy Policy. These terms constitute a binding legal agreement between you and Producentric LTDA, the operator of FinanceNap.

2. Services Provided

FinanceNap is a platform dedicated to providing financial information and editorial reviews about credit cards and loans in Canada, Mexico, and Argentina. We are not a registered financial advisor, investment dealer, or financial institution. While we strive for accuracy, the information is provided "as is" and we do not guarantee that all data is free from errors or omissions.

Financial product details — including interest rates, annual fees, promotional offers, and eligibility requirements — are subject to change by the issuing financial institution at any time without notice to FinanceNap. You should always verify current terms directly with the financial institution before applying for or making any decision about a financial product.

3. Affiliate Relationships & Commercial Disclosure

FinanceNap operates as an affiliate publisher. This means that some links on this website — including links to credit card applications, loan products, and financial institution websites — are affiliate links. When you click on one of these links and apply for or are approved for a financial product, FinanceNap may receive a commission or referral fee from the financial institution or product provider at no additional cost to you.

You should be aware of the following:

  • Compensation may influence which products are featured, how they are ranked, or the prominence given to certain offers on this website.
  • Not all financial products available in the market are listed on FinanceNap. Our coverage is not exhaustive.
  • The existence of an affiliate relationship does not affect the accuracy of our editorial content. We strive to provide honest, factual reviews regardless of commercial arrangements.
  • FinanceNap does not accept payment to write positive reviews or to misrepresent product terms.

Where affiliate links appear within content, they are identified with a disclosure notice. For questions about our affiliate relationships, please contact us.

4. User Responsibilities

  • You agree to use the website for lawful purposes only.
  • You shall not engage in any activity that disrupts or interferes with the functionality of the website.
  • You agree not to upload or share any content that is defamatory, obscene, or otherwise objectionable.
  • You confirm that you are of legal age in your jurisdiction to access financial product information and, where applicable, to apply for financial products.

5. Intellectual Property Rights

All original content created by FinanceNap — including editorial text, original graphics, logos, and the overall compilation and selection of content — is the intellectual property of Producentric LTDA. Except as permitted under applicable copyright laws, including Canadian Fair Dealing provisions, you may not copy, reproduce, or distribute such content without prior written permission.

Financial product data, including interest rates, fees, and product descriptions, may be sourced from or based on information provided by third-party financial institutions. FinanceNap does not claim ownership over such third-party data.

6. Financial Disclaimer

  • The content on financenap.com is for informational purposes only and does not constitute professional financial, legal, or investment advice.
  • We are not responsible for inaccuracies in external financial data, such as interest rates, annual fees, or promotional offers, which may change at any time without notice.
  • Financial product information on this website may not reflect the most current terms. Always confirm details directly with the financial institution before applying.
  • Decisions made based on information from this site are the sole responsibility of the user. FinanceNap is not liable for any financial outcomes resulting from actions taken based on content published on this website.

7. Limitation of Liability

To the full extent permitted by applicable law — including Quebec's Consumer Protection Act for Quebec residents — FinanceNap and Producentric LTDA shall not be held liable for any direct, indirect, incidental, or consequential damages arising from your use of the website or reliance on the content provided.

Nothing in this section limits any rights you may have under mandatory consumer protection laws that cannot be waived by contract, including rights under Quebec's Consumer Protection Act or applicable federal Canadian law.

8. External Links

Links to third-party websites, including financial institutions and credit card issuers, are provided for convenience and may be affiliate links (see Section 3). We do not control or endorse the content, privacy practices, or accuracy of these sites. Accessing these websites is at your own risk, and you should review their own terms and privacy policies before providing any personal or financial information.

9. Language Rights (Quebec Residents)

Quebec residents have the right to receive contracts and terms in French. A French-language version of these Terms and Conditions (Conditions d'utilisation) is available in here.

10. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. For non-material changes (such as corrections and clarifications), the revised terms take effect upon posting.

For material changes — including changes that affect your rights, our liability, or our commercial disclosure obligations — we will provide at least 14 days' advance notice by posting a prominent notice on the website and, where applicable, notifying newsletter subscribers by email. Your continued use of the website after the effective date of a material change constitutes your acceptance of the revised terms.

11. Informal Dispute Resolution

Before initiating any formal legal proceeding, you agree to contact FinanceNap first and attempt to resolve the dispute informally. Please describe your concern in writing to privacy@financenap.com or via our contact form. We will acknowledge receipt within 5 business days and work in good faith to resolve the matter within 30 days. If the dispute cannot be resolved informally within that period, either party may pursue formal legal remedies as described in Section 12.

12. Governing Law and Jurisdiction

For residents of Canada, these Terms are governed by the federal laws of Canada and the laws of your province or territory of residence, including — for Quebec residents — Quebec's Consumer Protection Act (Loi sur la protection du consommateur) and the Civil Code of Quebec. Any disputes shall be subject to the exclusive jurisdiction of the courts in your province or territory of residence.

For residents of Mexico, these Terms are governed by the applicable federal and state laws of Mexico. For residents of Argentina, these Terms are governed by the applicable laws of Argentina.

Nothing in this section limits any mandatory consumer protection rights you may have under the laws of your jurisdiction that cannot be excluded by contract.

13. Contact Us

If you have any questions about these Terms and Conditions, please reach out through any of the following: