Terms of Use
These Terms of Use govern your access to and use of DebtForward.ca. By using this website, you agree to these terms.
Acceptance of Terms
By accessing or using DebtForward.ca, you agree to be bound by these Terms of Use. If you do not agree, please do not use this website.
Nature of DebtForward.ca
DebtForward.ca is an independent website that offers a short online assessment for Canadians dealing with unsecured debt. It is a marketing and referral service, not a financial institution.
Independent Referral Website
DebtForward.ca is not affiliated with, and does not act on behalf of, any government agency. If you submit the assessment, your information may be referred to Consolidated Credit Canada, an independent non-profit credit counselling organization, for a free consultation.
DebtForward Is Not a Lender
DebtForward.ca does not make loans, does not extend credit, and does not make lending or credit decisions of any kind. Nothing on this website should be interpreted as an offer of credit.
No Legal or Insolvency Advice
DebtForward.ca does not provide legal advice, tax advice, or insolvency advice, and is not a Licensed Insolvency Trustee. Information on this website is general in nature and is not a substitute for advice from a qualified professional.
No Guarantee of Eligibility or Outcome
Completing the assessment does not guarantee eligibility for any program, service, interest reduction, or outcome. Suitability for a Debt Management Plan or any other option is determined by Consolidated Credit Canada after a full review of your situation.
Referral to Third-Party Credit-Counselling Services
If you submit the assessment, the information you provide is shared with Consolidated Credit Canada so a counsellor may contact you. Your interaction with Consolidated Credit Canada, including any services they provide, is governed by their own terms and privacy practices, not by DebtForward.ca.
Information You Provide
You agree to provide accurate information when completing the assessment. You are responsible for the accuracy of the information you submit.
Site Use
You agree to use DebtForward.ca only for its intended purpose and not to misuse the website, attempt unauthorized access, or interfere with its normal operation.
Intellectual Property
The DebtForward.ca name, logo and website content are the property of DebtForward.ca or its licensors. [PLACEHOLDER: confirm legal entity name and any additional intellectual property language once supplied.]
Third-Party Services
This website may rely on third-party service providers for hosting, form delivery, or analytics. DebtForward.ca is not responsible for the practices of independent third parties, including Consolidated Credit Canada, beyond what is described in our Privacy Policy.
Disclaimer
This website and its content are provided on an as-is basis without warranties of any kind, express or implied, to the fullest extent permitted by law.
Limitation of Liability
[PLACEHOLDER: limitation-of-liability language requires review by qualified legal counsel before this page is treated as final, and will be inserted here once approved.]
Changes to These Terms
We may update these Terms of Use from time to time. Material changes will be reflected by updating the effective date below. [PLACEHOLDER: add notice method once determined.]
Contact Us
[PLACEHOLDER: business legal name, mailing address, and contact email have not yet been supplied and will be added here before this page is treated as final.]
Effective Date
[2026]
DebtForward.ca is an independent referral website and does not provide loans. Individual suitability for credit-counselling services depends on your circumstances.