Terms of Use for Hardbacon.ca

Last Updated: April 7th, 2026

1. Acceptance of Terms

By accessing or using the website hardbacon.ca, our mobile application, or any of our financial comparison tools (collectively, the “Services”), you agree to be bound by these Terms of Use and our Privacy Policy. The Services are owned and operated by Plutera Capital Inc. (“Hardbacon”, “we”, “us”, or “our”).

You represent that you are of legal age in your jurisdiction and have the capacity to enter into a binding agreement. If you do not agree to these Terms of Use, you must immediately cease using the Services.

2. No Financial, Legal, or Tax Advice

Hardbacon is an information and comparison platform and does not provide financial, investment, legal, or tax advice.

For Information Purposes Only: All content, calculators, articles, and comparison results provided through our Services are for educational and informational purposes only. They do not constitute financial, investment, legal, or tax advice.
No Fiduciary Relationship: Your use of our Services does not create a fiduciary or advisor-client relationship.
Consult a Professional: We strongly recommend that you consult with a qualified professional (such as a licensed insurance broker, certified financial planner, or accountant) before making any financial decisions or purchasing any financial products.
User Responsibility: You are solely responsible for any financial decisions you make based on the information provided through the Services.

3. Accuracy of Data and Third-Party Quotes

Hardbacon aggregates data from various financial institutions, insurance providers, and brokers (“Partners”).

Estimates Only: Any rates, premiums, or quotes displayed are estimates based on the information you provide. You are responsible for ensuring that the information you submit is accurate and complete.
Provider Terms Prevail: The final price, coverage, and terms of any financial product are determined solely by the Partner providing the product. In the event of a discrepancy between a rate shown on Hardbacon and the rate offered by a Partner, the Partner’s rate shall govern.
Third-Party Content: We do not guarantee the accuracy, completeness, or timeliness of the information provided by our Partners. You acknowledge that you rely on such information at your own risk.
No Endorsement: References to financial institutions or products do not constitute an endorsement, recommendation, or guarantee by Hardbacon.

4. Compensation and Referral Disclosure

Hardbacon provides its comparison tools to users for free. To maintain this service, we may receive compensation (referral fees or commissions) from the financial institutions or Partners listed on our site when a user clicks a link, applies for, or obtains a product. While we strive for objectivity, this compensation may influence which products are displayed, their placement, or how they are ranked. This means that some products may be more prominently displayed than others based on our commercial relationships.

5. Prohibited Use and Anti-Scraping

You agree to use the Services only for personal, non-commercial purposes unless expressly authorized by Hardbacon in writing. You are strictly prohibited from:

Automated Access: Using any robot, spider, scraper, or other automated means to access, monitor, or copy any content or data from our Services for any purpose (including price monitoring or data aggregation).
Fraudulent Information: Providing false, inaccurate, or misleading information when using our comparison tools or requesting quotes.
Interference: Attempting to circumvent security measures or interfere with the proper working of the site.

6. Intellectual Property

All content on Hardbacon.ca—including text, graphics, logos, tool algorithms, and software—is the property of Plutera Capital Inc. or its licensors and is protected by Canadian and international copyright and trademark laws. You may not reproduce, modify, distribute, reverse engineer, or create derivative works from any part of our Services without our express written consent.

7. Limitation of Liability

To the extent permitted by applicable law (including the Quebec Consumer Protection Act, where applicable):

“As Is” Basis: The Services are provided “as is” and “as available” without warranties of any kind.
No Liability for Losses: Plutera Capital Inc. and its officers, directors, and employees shall not be liable for indirect, incidental, or consequential damages arising from your use of the Services, including financial losses or loss of data, except where such liability cannot be excluded under applicable law.
Third-Party Actions: We are not responsible for the acts, omissions, or policies of any third-party Partners to whom we refer you. Any contract you enter into with a Partner is strictly between you and that Partner.
Service Availability: We do not guarantee that the Services will be available at all times or free from interruptions, errors, or delays. We may suspend or restrict access to all or part of the Services for maintenance, updates, or other operational reasons without notice.
No Guarantee of Results: We do not guarantee that you will qualify for any financial product, obtain a specific rate, or achieve any financial outcome as a result of using our Services.

8. Indemnification

You agree to indemnify and hold harmless Plutera Capital Inc. from any claims, losses, liabilities, or expenses (including reasonable legal fees) arising out of your violation of these Terms of Use or your misuse of the Services, to the extent permitted by applicable law.

9. Modifications to the Service and Terms

We reserve the right to modify or discontinue any part of our Services, and to update these Terms of Use from time to time. When material changes are made, we will update the “Last Updated” date and, where appropriate, provide notice through the Services. Your continued use of the Services constitutes acceptance of the updated Terms.

10. Governing Law and Jurisdiction

These Terms of Use shall be governed by and construed in accordance with the laws of the Province of Quebec and the federal laws of Canada applicable therein. Any disputes arising from these Terms shall be subject to the jurisdiction of the courts of the Province of Quebec, in the district of Montreal, unless applicable consumer protection laws provide otherwise.

11. Contact Information

If you have any questions regarding these Terms of Use, please contact us at:

Plutera Capital Inc.

204 Rue du St.-Sacrement #300, Montreal, Quebec H2Y 1W8

Email: info@plutera.ca

12. Entire Agreement

These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and Hardbacon regarding your use of the Services and supersede any prior agreements or understandings.

13. Severability

If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.