1. Who We Are

Credit Pulse is an education-based cashback membership platform designed for Canadians. We provide access to financial education content, budgeting resources, credit education tools, membership materials, and eligible cashback benefits based on selected packages and completion of required steps.

Credit Pulse is not a lender, loan provider, credit card company, credit repair company, financial advisor, legal advisor, or financial product provider.

2. Information We Collect

When you use Credit Pulse, we may collect the following types of information:

• Personal Identification: Full name, email address, phone number, and mailing address provided during registration or checkout.
• Payment Information: Credit or debit card details processed through our secure third-party payment processor. We do not store full card numbers on our servers.
• Identity Verification Data: Documents or information provided to verify your identity as part of the cashback eligibility process.
• Usage Data: Information about how you interact with our website, including pages visited, time spent, clicks, and navigation paths.
• Device & Technical Data: IP address, browser type, operating system, device identifiers, and referral URLs collected automatically via cookies and server logs.
• Communications: Any messages, inquiries, or correspondence you submit through our contact form or support channels.

3. How We Use Your Information

We use the information we collect to:

• Process and fulfil your membership registration and package selection.
• Verify your identity and eligibility for cashback benefits.
• Process payments and manage billing.
• Deliver educational content, membership materials, and platform updates.
• Communicate with you about your account, orders, and support requests.
• Send promotional emails and offers (where you have consented).
• Analyze usage patterns to improve our website and services.
• Comply with legal obligations and enforce our Terms of Service.
• Detect, prevent, and address fraud or security issues.

4. Cashback & Verification

To process and fulfill cashback benefits, Credit Pulse may require identity verification. This may involve collecting a copy of a government-issued photo ID, proof of address, or other documentation as required to confirm eligibility and prevent fraudulent claims.

Verification documents are used solely for the purposes of confirming eligibility and are handled with strict confidentiality. They are not sold, rented, or shared with third parties except as required by law or to complete the verification process through authorized service providers.

Cashback amounts, eligibility conditions, timing, and results may vary. Completion of required educational steps is a condition of cashback eligibility.

5. Payment Information

All payment transactions are processed through secure, PCI-DSS-compliant third-party payment processors. Credit Pulse does not store, transmit, or have access to your full credit or debit card number.

We retain limited payment-related data (such as the last four digits of your card, transaction IDs, and billing amounts) for the purposes of record-keeping, customer support, and dispute resolution.

6. Cookies & Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small text files stored on your device. We use them to:

• Remember your preferences and session state.
• Analyze traffic and usage patterns through analytics tools.
• Serve relevant content and improve site performance.

You may disable cookies through your browser settings, but doing so may affect the functionality of certain features on our website. By continuing to use our website, you consent to our use of cookies in accordance with this policy.

7. How We Share Your Information

Credit Pulse does not sell, rent, or trade your personal information to third parties. We may share your information only in the following limited circumstances:

• Service Providers: Trusted third-party vendors who assist us in operating our platform (payment processing, email delivery, identity verification, analytics) under strict confidentiality obligations.
• Legal Requirements: When required by law, regulation, court order, or government authority.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, your data may be transferred as part of that transaction.
• Fraud Prevention: To detect, investigate, or prevent fraudulent or illegal activity.
• With Your Consent: In any other case where you have explicitly authorized us to share your information.

8. Email & Communication

By providing your email address, you consent to receive transactional emails related to your account and membership (order confirmations, payment receipts, account updates). These communications are necessary to deliver our services and cannot be opted out of while you maintain an active account.

With your separate consent, we may also send marketing emails, newsletters, or promotional offers. You may opt out of marketing communications at any time by clicking the "Unsubscribe" link in any marketing email or by contacting us directly. Opting out of marketing emails will not affect transactional communications.

9. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include SSL/TLS encryption for data in transit, access controls, and secure server infrastructure.

However, no method of electronic transmission or storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. In the event of a data breach that affects your rights and freedoms, we will notify you as required by applicable law.

10. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, maintain your active membership, comply with legal obligations, resolve disputes, and enforce our agreements.

When your account is closed or your data is no longer required, we will securely delete or anonymize it in accordance with applicable privacy laws and our internal data retention schedules.

11. Your Privacy Rights

Depending on your province of residence, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request that we correct inaccurate or incomplete personal information.
• Deletion: Request that we delete your personal information, subject to legal retention requirements.
• Withdrawal of Consent: Withdraw consent for the processing of your personal information at any time, where processing is based on consent.
• Data Portability: Request your personal information in a structured, commonly used format where technically feasible.

To exercise any of these rights, please contact us at the details listed in Section 16. We will respond to your request within the timeframes required by applicable law.

12. Third-Party Links

Our website may contain links to third-party websites, tools, or resources that are not operated by Credit Pulse. We are not responsible for the privacy practices or content of those third-party sites. We encourage you to review the privacy policy of every website you visit. This Privacy Policy applies solely to information collected by Credit Pulse.

13. Children's Privacy

Credit Pulse is intended for adults aged 18 years or older. We do not knowingly collect personal information from individuals under the age of 18. If you believe that a minor has provided us with personal information, please contact us immediately and we will take steps to delete that information.

14. No Financial Services

Credit Pulse is an education-based membership platform only. Nothing on our website or in our membership materials constitutes financial advice, investment advice, credit counselling, debt management, legal advice, or any regulated financial service. The cashback benefits offered through our platform are a membership benefit and are not a financial product or investment return.

You should consult a licensed financial professional before making any significant financial decision.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will update the "Last Updated" date at the top of this page and, where appropriate, notify you by email.

Your continued use of our website and services after any changes to this Privacy Policy constitutes your acceptance of the revised policy. We encourage you to review this page periodically.

16. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us:

• Email: privacy@creditpulse.ca
• Mailing Address: Credit Pulse, Canada
• Contact Form: Visit our Contact page

We will respond to all privacy-related inquiries within 30 days.

1. Acceptance of Terms

By accessing or using the Credit Pulse website, creating an account, or purchasing any membership package, you confirm that you have read, understood, and agree to be legally bound by these Terms of Service and our Privacy Policy, which is incorporated herein by reference.

If you do not agree to these terms, you must not use our platform or purchase any membership. We reserve the right to update these terms at any time. Your continued use of the platform following any update constitutes acceptance of the revised terms.

2. About Credit Pulse

Credit Pulse is an education-based cashback membership platform designed for Canadians. Our platform provides access to financial education resources, credit education tools, budgeting materials, and a cashback benefit program tied to membership participation and completion of required educational steps.

Credit Pulse is not a lender, loan provider, bank, credit card issuer, credit repair company, financial advisor, investment advisor, or provider of any regulated financial product or service. Nothing on our platform constitutes financial advice or a recommendation to take any financial action.

3. Eligibility

To use Credit Pulse and purchase a membership, you must:

• Be a Canadian resident aged 18 years or older.
• Have the legal capacity to enter into a binding agreement.
• Provide accurate, current, and complete information during registration.
• Not be prohibited from using our services under applicable law.

Credit Pulse reserves the right to refuse service, terminate accounts, or cancel memberships where eligibility requirements are not met or where false information has been provided.

4. Membership Packages

Credit Pulse offers tiered membership packages, each with a defined membership fee and an associated cashback benefit. Packages available as of the date of these terms include:

• Starter Package: Membership fee of $425.00 | Cashback benefit of $250
• Bronze Package: Membership fee of $850.00 | Cashback benefit of $500
• Silver Package: Membership fee of $1,275.00 | Cashback benefit of $750
• Gold Package: Membership fee of $1,700.00 | Cashback benefit of $1,000
• Platinum Package: Membership fee of $2,125.00 | Cashback benefit of $1,250
• Elite Package: Membership fee of $2,550.00 | Cashback benefit of $1,500

Package pricing and cashback amounts are subject to change. The terms applicable to your purchase are those in effect at the time of your transaction. Membership benefits are personal and non-transferable.

5. Payment & Billing

Membership fees are charged at the time of purchase or according to the instalment schedule selected at checkout. By providing payment information, you authorize Credit Pulse (or our payment processor) to charge the applicable fees to your payment method.

All prices are displayed in Canadian dollars (CAD). Payments are processed through a secure, PCI-DSS-compliant third-party payment processor. Credit Pulse does not store your full payment card details.

You are responsible for ensuring that your payment method remains valid and that sufficient funds are available. Missed or failed payments may result in suspension or cancellation of your membership and forfeiture of cashback eligibility.

6. Cashback Program

The cashback benefit associated with your membership package is subject to the following conditions:

• Completion of all required educational modules and steps as defined by your membership tier.
• Payment of all applicable membership fees in full and on time.
• Successful identity verification through our verification process.
• Compliance with these Terms of Service in their entirety.

Cashback benefits are not guaranteed, not immediate, and are contingent upon full compliance with all eligibility requirements. Cashback amounts, timing, and conditions are subject to change. Credit Pulse reserves the right to withhold or adjust cashback benefits in cases of suspected fraud, misrepresentation, or breach of these Terms.

The cashback benefit is a membership reward and does not constitute a financial product, investment return, loan, or guaranteed income.

7. Educational Content

Credit Pulse provides educational materials relating to personal finance, credit management, and budgeting as part of the membership experience. This content is provided for informational and educational purposes only.

Educational content does not constitute professional financial advice, legal advice, tax advice, or investment advice. Credit Pulse makes no representation that the content is appropriate for your specific financial situation. You should always consult a licensed professional before making financial decisions.

8. Intellectual Property

All content on the Credit Pulse platform, including but not limited to text, graphics, logos, icons, images, audio, video, educational materials, and software, is the property of Credit Pulse or its licensors and is protected by Canadian and international intellectual property laws.

Your membership grants you a limited, non-exclusive, non-transferable licence to access and use the platform content for your personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works from, or commercially exploit any content without our prior written consent.

9. Acceptable Use

When using Credit Pulse, you agree not to:

• Provide false, misleading, or fraudulent information at any point.
• Attempt to circumvent our identity verification or cashback eligibility processes.
• Use the platform for any unlawful purpose or in violation of applicable laws.
• Attempt to gain unauthorized access to our systems, accounts, or data.
• Reverse-engineer, decompile, or disassemble any portion of our platform.
• Upload or transmit malicious code, viruses, or harmful content.
• Harass, abuse, or harm other users or Credit Pulse staff.
• Resell, sublicense, or commercially exploit your membership or platform access.

Violation of these acceptable use terms may result in immediate account termination and forfeiture of any cashback benefits.

10. Privacy

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which forms part of these Terms of Service. By using our platform, you consent to our collection and use of your information as described in the Privacy Policy.

11. Disclaimers

THE CREDIT PULSE PLATFORM AND ALL CONTENT, MATERIALS, AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CREDIT PULSE DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability, fitness for a particular purpose, and non-infringement.
• Any warranty that the platform will be uninterrupted, error-free, or free of viruses.
• Any warranty regarding the accuracy, completeness, or reliability of educational content.
• Any guarantee of cashback receipt, timing, or amount.

Credit Pulse is an educational membership platform and does not guarantee any specific financial outcome, credit score improvement, debt reduction, or financial benefit as a result of using our services.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CREDIT PULSE AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE PLATFORM OR THESE TERMS, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, OR FINANCIAL LOSSES.

IN NO EVENT SHALL CREDIT PULSE'S TOTAL LIABILITY TO YOU EXCEED THE AMOUNT ACTUALLY PAID BY YOU TO CREDIT PULSE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities, so some of the above limitations may not apply to you.

13. Cancellation & Refunds

Membership purchases are generally non-refundable once educational content has been accessed or the cashback verification process has been initiated. If you wish to cancel your membership before accessing any content, please contact us within 48 hours of purchase.

Cancellation of your membership will result in the termination of your access to platform content and forfeiture of any pending cashback benefits. Any outstanding instalment payments remain due and payable upon cancellation.

Credit Pulse reserves the right to cancel or suspend your membership at any time for breach of these Terms of Service, fraudulent activity, or failure to make required payments, without refund of fees paid.

14. Changes to Terms

We reserve the right to modify these Terms of Service at any time. When changes are made, we will update the "Last Updated" date at the top of this page. For material changes, we may also notify you by email.

Your continued use of Credit Pulse following any modification constitutes your acceptance of the updated Terms. If you do not agree with any changes, you must discontinue use of the platform and contact us to close your account.

15. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.

Any dispute arising from or related to these Terms or your use of Credit Pulse shall be subject to the exclusive jurisdiction of the courts located in Ontario, Canada. You hereby consent to the personal jurisdiction of such courts.

16. Contact Us

If you have questions, concerns, or feedback regarding these Terms of Service, please contact us:

• Email: legal@creditpulse.ca
• Mailing Address: Credit Pulse, Canada
• Contact Form: Visit our Contact page