{"id":18266,"date":"2026-04-06T17:44:45","date_gmt":"2026-04-06T21:44:45","guid":{"rendered":"https:\/\/hardbacon.ca\/?page_id=18266"},"modified":"2026-04-06T20:07:57","modified_gmt":"2026-04-07T00:07:57","slug":"legal","status":"publish","type":"page","link":"https:\/\/hardbacon.ca\/en\/legal\/","title":{"rendered":"Terms of Use for Hardbacon.ca"},"content":{"rendered":"\n<section  class=\"section-p \">\n\t<div class=\"container-wide section-p bg-white rounded-md px-2 xs:px-6 md:px-12 lg:px-20 xl:flex xl:gap-20 items-center\">\n\t\t<div class=\"text-center mx-auto mb-16 xl:text-left xl:mb-0\">\n\t\t\t\t\t\t<header class=\"section-head mx-auto\">\n\t\t\t\t<h1 class=\"capitalize tracking-[-2px]  mb-10 lg:mb-20\">Terms of Use for Hardbacon.ca<\/h1>\n\t\t\t\t\t\t\t\t\t<div class=\"text-xl prose prose-primary max-w-none \">\n\t\t\t\t\t\t<p><b>Last Updated:<\/b><span style=\"font-weight: 400;\"> April 7th, 2026<\/span><\/p>\n<h2><b>1. Acceptance of Terms<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">By accessing or using the website hardbacon.ca, our mobile application, or any of our financial comparison tools (collectively, the &#8220;Services&#8221;), you agree to be bound by these Terms of Use and our Privacy Policy. The Services are owned and operated by Plutera Capital Inc. (&#8220;Hardbacon&#8221;, &#8220;we&#8221;, &#8220;us&#8221;, or &#8220;our&#8221;).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h2><b>2. No Financial, Legal, or Tax Advice<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Hardbacon is an information and comparison platform and does not provide financial, investment, legal, or tax advice.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">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.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No Fiduciary Relationship: Your use of our Services does not create a fiduciary or advisor-client relationship.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">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.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">User Responsibility: You are solely responsible for any financial decisions you make based on the information provided through the Services.<\/span><\/li>\n<\/ul>\n<h2><b>3. Accuracy of Data and Third-Party Quotes<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Hardbacon aggregates data from various financial institutions, insurance providers, and brokers (&#8220;Partners&#8221;).<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">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.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">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\u2019s rate shall govern.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">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.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No Endorsement: References to financial institutions or products do not constitute an endorsement, recommendation, or guarantee by Hardbacon.<\/span><\/li>\n<\/ul>\n<h2><b>4. Compensation and Referral Disclosure<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h2><b>5. Prohibited Use and Anti-Scraping<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">You agree to use the Services only for personal, non-commercial purposes unless expressly authorized by Hardbacon in writing. You are strictly prohibited from:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">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).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fraudulent Information: Providing false, inaccurate, or misleading information when using our comparison tools or requesting quotes.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interference: Attempting to circumvent security measures or interfere with the proper working of the site.<\/span><\/li>\n<\/ul>\n<h2><b>6. Intellectual Property<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">All content on Hardbacon.ca\u2014including text, graphics, logos, tool algorithms, and software\u2014is 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.<\/span><\/p>\n<h2><b>7. Limitation of Liability<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">To the extent permitted by applicable law (including the Quebec Consumer Protection Act, where applicable):<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">&#8220;As Is&#8221; Basis: The Services are provided &#8220;as is&#8221; and &#8220;as available&#8221; without warranties of any kind.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">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.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">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.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">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.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">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.<\/span><\/li>\n<\/ul>\n<h2><b>8. Indemnification<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h2><b>9. Modifications to the Service and Terms<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">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 \u201cLast Updated\u201d date and, where appropriate, provide notice through the Services. Your continued use of the Services constitutes acceptance of the updated Terms.<\/span><\/p>\n<h2><b>10. Governing Law and Jurisdiction<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h2><b>11. Contact Information<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">If you have any questions regarding these Terms of Use, please contact us at:\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Plutera Capital Inc.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">204 Rue du St.-Sacrement #300, Montreal, Quebec H2Y 1W8<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Email: <\/span><a href=\"mailto:info@plutera.ca\"><span style=\"font-weight: 400;\">info@plutera.ca<\/span><\/a><\/p>\n<h2><b>12. Entire Agreement<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h2><b>13. Severability<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/header>\n\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\t<\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":163,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":true,"footnotes":""},"class_list":["post-18266","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/pages\/18266","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/users\/163"}],"replies":[{"embeddable":true,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/comments?post=18266"}],"version-history":[{"count":0,"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/pages\/18266\/revisions"}],"wp:attachment":[{"href":"https:\/\/hardbacon.ca\/en\/wp-json\/wp\/v2\/media?parent=18266"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}