Terms of Use
1. Agreement to Terms
These Terms of Use (“Terms”) govern your access to and use of DebtForward.ca (“DebtForward,” “we,” “us,” or “our”). By accessing or using this website, you agree to be bound by these Terms. If you do not agree, please do not use this website.
2. Description of Service
DebtForward.ca is an online referral service that allows Canadian consumers to submit information about their financial situation and may facilitate contact with independent credit counselling, debt-management, or related service providers. DebtForward does not itself provide the underlying debt-management service.
3. Eligibility
To use this website, you must be legally capable of submitting a request, meet the age-of-majority requirements applicable in your province of residence, provide accurate information, and use this website only for lawful purposes. Availability of services is not guaranteed in every Canadian province or territory.
4. User Responsibilities
You agree to provide accurate and truthful information when using this website and are responsible for the accuracy of the information you submit. You agree not to misuse this website, attempt unauthorized access, or interfere with its normal operation.
5. Referral and Third-Party Services
Actual credit counselling or debt-management services may be supplied by independent third-party providers. Eligibility for any program or service is determined solely by that third-party provider, and any agreement to participate in a program is between you and that provider. Third-party providers may have their own privacy policies and terms of use, which are separate from and not controlled by DebtForward.
6. Consent to Contact
By submitting an inquiry, you agree that DebtForward.ca may process your request and facilitate contact from a relevant third-party service provider in accordance with the consent presented to you when you submit your information.
7. No Guarantee of Eligibility or Results
Use of this website does not guarantee qualification, acceptance, or enrollment in any program, a particular interest rate, a particular monthly-payment reduction, debt forgiveness, debt elimination, or any specific financial result. Individual results and program availability depend on your circumstances and the criteria of the applicable third-party provider.
8. No Financial or Legal Advice
Information on this website is general in nature and is not a substitute for individualized financial, legal, tax, or insolvency advice from a qualified professional.
9. No Lending / Insolvency Services
DebtForward.ca is not a lender and does not provide loans. DebtForward.ca is not a Licensed Insolvency Trustee and does not file consumer proposals or bankruptcies on behalf of any person.
10. Website Use
You agree to use this website only for its intended purpose and not to misuse it, attempt unauthorized access, introduce harmful code, or interfere with its normal operation.
11. Intellectual Property
The DebtForward.ca name, logo, and website content are the property of DebtForward.ca or its licensors and may not be used without permission.
12. Disclaimers
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. Any examples or general statements about potential savings on this website are illustrative only; results vary, eligibility requirements apply, and no particular outcome is guaranteed.
13. Limitation of Liability
To the fullest extent permitted by applicable law, DebtForward.ca and its owners, operators, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of income, revenue, savings, or data, arising out of or related to your use of this website or any inquiry submitted through it. DebtForward.ca is an informational referral service only. We do not provide debt relief, credit counselling, lending, or financial advisory services ourselves, and we are not responsible for the actions, omissions, advice, fees, or outcomes of any third-party provider you may be connected with as a result of your inquiry. This website and its content are provided on an “as is” and “as available” basis, without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee that any referral will result in approval for, or a favourable outcome from, any debt relief program or service. To the extent permitted by law, our total aggregate liability arising out of or relating to your use of this website will not exceed the amount, if any, you paid us for use of the service. Nothing in this section limits or excludes any liability that cannot be limited or excluded under applicable law.
14. Privacy
Our collection, use, and disclosure of personal information is described in our Privacy Policy, available at /privacy.
15. Governing Law
These Terms are governed by applicable Canadian law and, where applicable, the laws of the province governing the operator of this website, without limiting any rights that cannot legally be waived.
16. Changes to Terms
We may update these Terms from time to time. Material changes will be reflected by updating the date below.
17. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
18. Contact
DebtForward.ca
support@debtforward.ca
222 The Esplanade, Toronto, ON M5A 4M8, Canada
Last Updated: August 2026
DebtForward.ca is an independent referral website and does not provide loans. Individual suitability for credit-counselling services depends on your circumstances.
