Terms and Conditions

CreditPug Technologies, Inc. TERMS AND CONDITIONS

Terms of Use(Last revised January 3, 2025)The following terms of service are terms of a legal agreement (the “Agreement”) between you (“you”, “your”, or “user”) and CreditPug Technologies, Inc., its subsidiaries, affiliates, agents and assigns (“CreditPug”, “we”, “us”, or “our”) which sets forth the terms and conditions for your use of CreditPug’s website, CreditPug.com. By accessing, browsing and/or using CreditPug.com or the Services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement and to comply with all applicable laws and regulations. The terms and conditions of this Agreement form an essential basis of the bargain between you and CreditPug, and this Agreement governs your use of CreditPug.com and the Services.

1. Getting started

Please carefully review this Agreement before using CreditPug.com or the Services, or accessing any data thereon. If you do not agree to these terms, you may not access or use CreditPug.com or the Services.

CreditPug is a platform where you can learn about how to manage your personal finances and, more excitingly, receive overdraft protection deposits to help prevent you from going into overdraft for recurring or upcoming bill payments or other life expenses.
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To access or our website at CreditPug.com or our platform, including any services offered through our website or platform (collectively, our “Platform”), you must agree to these terms of service (“Terms”), which constitute a legal agreement between you (“you”, “your”, or “user”) and CreditPug Technologies Inc. (“CreditPug”, “we”, “us”, or “our”) and which set forth the terms and conditions for your use of our Platform.By accessing or using our Platform or otherwise indicating your consent to these Terms, you agree to be bound by these Terms and the documents that are referred to in these Terms (including our privacy policy). If you do not want to agree to these Terms, you must not access or use our Platform. By accessing or using the Platform, you represent to us that you are a legal resident of Canada, are the legal age of majority under applicable law to form a binding contract with us, and are not prohibited by applicable law from accessing or using our Platform.
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If you have questions regarding your access to or use of the Platform or about these Terms, please contact us by e-mail at support@creditpug.com.

2. MODIFICATION OF THIS AGREEMENT
CreditPug reserves the right in our sole discretion to amend these Terms for any or no reason, at any time, and from time to time. All such amendments will be effective from the date they are published and will apply to all access to or continued use of the Platform. By continuing to use or access the Platform following such amendment, you agree to be bound by the Terms as amended, regardless of whether or not CreditPug notified you of such amendments. You agree to periodically review these Terms in order to be aware of any amendments. No changes to these Terms of Use are valid or have any effect unless agreed to by us in writing.

3. PRIVACY POLICY
Your use of our Platform is governed by our privacy policy, which can be found here: https://www.CreditPug.com/privacy-policy. By accessing or using our Platform or otherwise submitting your personal information to us, you consent to our collection, use, and disclosure of your personal information in accordance with the terms of our privacy policy. Our privacy policy is incorporated into these Terms by reference and form an integral part of these Terms.

4. CREATING A USER ACCOUNT AND LINKING YOUR BANKING
1. Creating Your User Account
‍To access and use certain services available through our Platform, you will first be required to create a user account. Our services that require you to have a user account include our subscription service that provides you access to our budgeting tool, spending analytics, and streamlined overdraft protection services (our “Subscription Service”).

To create a user account, you will be required to provide your name, email address, a login name, and a password, and other information related to your user account that we may require from time to time (the information you provide when creating a user account is collectively called your “Account Details”). When creating a user account, you agree to provide correct, current, and complete Account Details, and to promptly update your Account Details if any information changes – for example, if you change your email address.

While we take steps to protect your Account Details, you acknowledge and agree that you are also responsible for maintaining the confidentiality of your Account Details. If you believe any of your Account Details (such as your password) have been compromised or that someone else is accessing your user account, you agree to promptly inform us and to take reasonable steps to secure your user account – for example, by changing your password.

You acknowledge and agree that your user account is personal to you, and that you cannot share your user account with, or transfer your user account to, another person without our prior written consent.

2. Verifying Your Identity
‍To use some of the services available through our Platform, including our overdraft protection services, we may first require that you help us verify your identity. Accordingly, you agree to authorize us to make any inquiries we consider reasonably necessary to validate your identity upon our request and to cooperate in getting answers to those inquiries. If you do not respond to our request to make inquiries or if we cannot verify your identity to our satisfaction, you acknowledge that we may refuse to allow you to use such services.

3. Linking to Your Banking
To use the Platform, you will need to provide CreditPug with access to your account transaction history, balance information, and/or certain other information maintained by third parties with which you have relationships, maintain accounts, or engage in financial transactions (“Third-Party Account Information”). By using the Platform, you authorize CreditPug to access Third-Party Account Information on your behalf as your agent, and you hereby expressly authorize applicable third parties to disclose your information to us. By agreeing to these Terms, you are also agreeing that you are responsible for keeping any passwords and usernames you provide to us secure, and for keeping those passwords and usernames up to date in the Platform.

To help us link our Platform to your bank account, we use a third-party service provider called Flinks To learn more about Flinks, their services, and how they handle any personal information of yours, check out their website at https://flinks.com/. You can learn more about how we manage your privacy in connection with our third-party service providers by checking out our privacy policy. You can unlink your bank account at any time by emailing us at support@creditpug.com with the subject line “Please disconnect my bank account with CreditPug”.

CreditPug does not review information, including information you provide, maintained by third parties for accuracy, legality, or non-infringement, and CreditPug is not responsible for your information or products and services offered by or on third-party sites.

You acknowledge that any information based on your linked bank account that is displayed through our Platform will be the information we most recently accessed by us, and that this information may not be accurate, up-to-date, or reflect pending transactions or other recent activity.

5. USING OUR OVERDRAFT PROTECTION SERVICE
1. Overview of Our Overdraft Protection Service
‍We offer an overdraft protection service through cash deposits ahead of your anticipated or already-earned income (each, an “Advance”). Any user can request an Advance, regardless of whether that user has purchased our Subscription Service. However, users requesting an Advance without purchasing the Subscription Service may be required to provide additional financial information, such as additional banking information and transaction history, for example by providing bank statements by emailing us at support@creditpug.com with the subject line “Advance from CreditPug without Flinks connection” alongside such information.

2. Requesting an Advance
‍You may request an Advance at any time through your user account. In requesting an Advance, you will be required to select:

the size of the Advance you want to receive within the range we provide. The range of Advance sizes you are eligible for may be based on, among other things, whether you have linked your bank account to our Platform, our review of requested information, and our analysis of your deposits and transaction history. We reserve the right to adjust Advance amounts and our eligibility criteria at any time;
the amount you’d like to tip us for providing the Advance (a “Tip”). However, you are not required to provide any tip if you don’t want to and your decision on how much to tip, if at all, in no way alters your eligibility to receive an Advance, your ability to access an Advance, or the amount of any Advance you are eligible for. Tips help us grow and provide our overdraft protection services to more users; and
Bank account information, such as account numbers and transaction histories.During the past 12 months, we have also disclosed the categories of personal information listed above for our business purposes. We have not, however, sold personal information to third parties.

By requesting an Advance, you represent to us that you are requesting that Advance for the express purposes of covering a recurring or known and upcoming payment that would otherwise cause you to go into overdraft or exceed your available funds. Please note that Advances are always provided at CreditPug’s sole discretion, and may be granted or denied for any reason or no reason.
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3. Receiving Your Advance
Once you have selected the required inputs to request an Advance in accordance with section 5.2, we will ask you to confirm your request for an Advance before your request becomes active. Upon confirming your Request, we will determine on our end whether you are eligible for the Advance and if so, send you an approval email. You should receive your funds in accordance with whether you selected the standard or express option. If you have any difficulties accessing your Advance, please use the support page on the dashboard.
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4. Returning Your Advance
Unless you request otherwise, we will charge your Payment Method for the amount of an outstanding Advance on the return date selected by you through the Platform (your “Selected Date”) or, if you have insufficient funds on that date, on the next date on which you do have sufficient funds
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Our goal is to help you avoid overdraft fees and any related negative impacts on your credit, and to help you work towards your financial freedom! We therefore waive any legal or contractual claim we may have against you as a result of your failure to return an Advance and will not engage in any debt collection activities, transfer or sell such a claim to any third-party, or report you to a consumer reporting agency. However, we will not provide you any further Advances while any amount of a previous Advance remains outstanding.
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You agree that you will not create additional user accounts for the purposes of requesting additional Advances while you have previous Advances outstanding. We do not waive any rights regarding fraudulent activity and reserve all rights to pursue instances of fraud.
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Although CreditPug is helping users avoid overdraft fees, CreditPug is not responsible for any overdraft fees, over-the-limit fees, insufficient fund charges, or any other bank fees that result from your failure to maintain a sufficient balance in your Linked Account or CreditPug Banking Account. CreditPug monitors your balance and will attempt to ensure you have sufficient funds before debiting your account, but CreditPug makes no warranties that an overdraft will not occur.

5. Limitations on Our Overdraft Protection Service
Although our goal is to help users avoid overdraft fees, our overdraft protection services are proactive only, meaning we can’t do anything to help you avoid overdraft or other fees if you exceed the funds available in any bank account you may hold. You acknowledge that we are not responsible for any overdraft fees, over-the-limit fees, insufficient fund charges, or any other such fees that may result from your failure to maintain a sufficient balance in any of your bank accounts. We will make reasonable efforts to ensure you have sufficient funds before debiting your bank account but cannot guarantee that overdraft fees or other fees will not occur as a result of or in connection with your return of an Advance in accordance with section 5.4.

8. HOW WE HANDLE DISPUTES
If you believe you were charged any fees by us incorrectly or received an Advance that you did not request, please contact us immediately at support@creditpug.com and include your name, login name, and the issue that you would like us to look into, including the dollar amount of that issue, if applicable.We will try to resolve the issue you’ve notified us about within 10 business days of receiving your notice – however, you acknowledge that we may be unable to resolve the issue you’ve notified us about within that timeframe. We may, in our discretion, reimburse you for any amounts at issue for the period during which we attempt to resolve the issue, however we are not obligated to do so.

9. REFUNDS
Tips and E-transfer fees are non-refundable.

10. CONSENT TO ELECTRONIC COMMUNICATIONS AND DOING BUSINESS ELECTRONICALLY
‍In your use of the Platform, we may request your consent to receive email, SMS, or other electronic messages or telephone calls from us or anyone on our behalf at the email address or phone number you have provided to us, so that we are able to provide you with information related to your use of the Platform. You consent to the exchange of information and documents between you and us electronically over the Internet, by email, or by telephone. If you have a user account with CreditPug or have purchased a product or service from CreditPug, we may send you information or documents to the email address or telephone number in your Account Details or as provided to us by you in the course of purchasing such product or service from us. To the extent you have provided us with your email address or telephone number, you represent and warrant to us that such email address or telephone number is yours and that you are permitted to receive emails, calls, or text messages at the email address or telephone number you have provided to us. You agree to promptly alert us whenever you stop using the email address or telephone number that you’ve provided to us. You acknowledge that you may incur costs to receive phone messages, text messages, emails or other electronic communications from us and agree that you are responsible for such costs.

11. SMS MESSAGING AND TELEPHONE CALLS
You consent to receive SMS messages (including text messages), and telephone calls (including prerecorded and artificial voice and autodialed) from us, our agents, representatives, affiliates or anyone calling on our behalf at the specific number(s) you have provided to us, with service-related information such as alerts, or questions about your use of the Services and/or the website. You certify, warrant and represent that the telephone number you have provided to us is your contact number and not someone else’s. You represent that you are permitted to receive calls and text messages at the telephone number you have provided to us. You agree to promptly alert us whenever you stop using a telephone number. CreditPug and our agents, representatives, affiliates and anyone calling on our behalf may use such means of communication described in this section even if you will incur costs to receive such phone messages, text messages, e-mails or other means.

Standard message and data rates may apply to all SMS messages (including text messages). We may modify or terminate our SMS messaging services from time to time, for any reason, and without notice, including the right to terminate SMS messaging with or without notice, without liability to you.

12. LIMITATIONS OF USE
‍Our Platform is for your personal and non-commercial use only. You agree that you will only access or use our Platform for lawful purposes and in accordance with these Terms, and that you will not access or use our Platform to:

violate or promote the violation of any government-imposed restriction or rule or of any third party’s rights;
impersonate any person or entity, misrepresent your affiliation with a person or entity, or do any other thing or act that brings the CreditPug, any other user of our Platform, or any third-party into disrepute or causes us liability;
distribute viruses, malware, or any other technologies that are malicious or that may harm us, our Platform, other users of our Platform, our affiliates, or any third-party, or in any other way interfere or attempt to interfere with the proper working of our Platform;
reverse engineer, decompile, copy, modify, distribute, transmit, license, sublicense, display, revise, perform, transfer, sell, or otherwise make available to any third-party, or otherwise publish, deeplink, create derivative works from or exploit in any way our Platform or any content on our Platform except as permitted by the us under these Terms; or
harvest or otherwise collect, use, or disclose (including using any robot, spider, or other automatic device, process, or means) content on our Platform or personal information about any other user of our Platform.

13. TERMINATION
We may in our sole discretion for any or no reason, with or without notice, and at any time:

terminate these Terms;
limit, suspend, or terminate your access to or use of the Platform;
take technical and legal steps to prevent you from accessing or using the Platform; or
remove or otherwise modify any information or content you have provided through the Platform.

15. LIMITATION OF LIABILITY
Limitation of Liability
EXCEPT TO THE EXTENT REQUIRED BY LAW, IN NO EVENT WILL CREDITPUG, ITS AFFILIATES, AGENTS, LICENSORS, SUPPLIERS, OR ITS OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SERVICE PROVIDERS, CONTRACTORS, LICENSORS, LICENSEES, SUPPLIERS, OR SUCCESSORS BE LIABLE, WHETHER IN TORT, CONTRACT, OR OTHERWISE, FOR ANY DIRECT, SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE, EXEMPLARY, AGGRAVATED, ECONOMIC, OR CONSEQUENTIAL DAMAGES, HOWSOEVER CAUSED, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF USE, LOST PROFITS, LOST GOODWILL OR BUSINESS REPUTATION, LOST DATA, OR LOST SAVINGS, EVEN IF CreditPug OR ANY OF ITS LAWFUL AGENTS OR EMPLOYEES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR CLAIM, RESULTING FROM YOUR USE OF OR INABILITY TO USE THE PLATFORM OR ANY CONTENT ON THE PLATFORM, INCLUDING WITHOUT LIMITATION: (A) ANY CHANGES CREDITPUG MAY MAKE TO THE PLATFORM OR TO ANY CONTENT ON THE PLATFORM, OR FOR ANY PERMANENT OR TEMPORARY CESSATION IN THE PROVISION OF THE PLATFORM OR ANY CONTENT ON THE PLATFORM; (B) THE DELETION OF, CORRUPTION OF, OR FAILURE TO SEND, DISPLAY, OR STORE ANY ADS, USER GENERATED CONTENT, OR OTHER COMMUNICATIONS OR DATA MAINTAINED OR TRANSMITTED BY OR THROUGH THE PLATFORM OR ANY CONTENT ON THE PLATFORM; (C) YOUR FAILURE TO PROVIDE CREDITPUG WITH ACCURATE ACCOUNT DETAILS OR TO KEEP YOUR ACCOUNT DETAILS SECURE AND CONFIDENTIAL, AS APPLICABLE. NOTWITHSTANDING THE FOREGOING, IF CREDITPUG IS FOUND TO BE LIABLE FOR ANY REASON, CREDITPUG’S LIABILITY TO YOU OR ANY THIRD-PARTY IS LIMITED TO THE GREATER OF: (A) THE TOTAL FEES SUCH PARTY MADE TO CREDITPUG IN THE 12 MONTHS PRIOR TO THE ACTION GIVING RISE TO THE LIABILITY; AND (B) $100 CAD.

2. Availability, Completeness, and Quality
You understand and agree that the Platform, any content on the Platform, and any services or items found or attained through the Platform are provided on an “as is” and “as available” basis, without any warranties of any kind, either express or implied, including without limitation the implied warranties of merchantability, fitness for particular purpose, or non-infringement.
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Except as otherwise expressly required by applicable law, CreditPug makes no representations, warranties, conditions, or other terms (whether express or implied) in relation to the provision of the Platform or any content on the Platform, including without limitation as to completeness, security, reliability, suitability, accuracy, availability, or currency of the Platform or any content on the Platform, that the Platform or any content on the Platform will be free from bugs, errors, or omission, or as to the satisfactory quality or fitness of the Platform or any content on the Platform for a particular purpose. CreditPug assumes no obligation to update the Platform or any content on the Platform. The Platform or any content on the Platform may be changed without notice to you.
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To the maximum extent permitted by applicable law, CreditPug excludes all liability (whether arising in contract, tort, breach of statutory duty, or otherwise), which CreditPug may otherwise have to you as a result of any error or inaccuracies in the Platform or any content on the Platform, the unavailability of the Platform for any reason, or any representation or statement made on or through the Platform or any content on the Platform.

3. Downloads
CreditPug cannot and does not guarantee or warrant that files or data available for downloading from the Platform will be free of viruses or other destructive code. You are solely and entirely responsible for your use of the Platform and your computer internet and data security. To the fullest extent provided by law, CreditPug will not be liable for any loss or damage caused by denial-of-service attack, distributed denial-of-service attack, overloading, flooding, mailbombing or crashing, viruses, trojan horses, worms, logic bombs, or other technologically harmful materials that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of the Platform or any services or items found or attained on or through the Platform or to your downloading of any material posted on or through the Platform, or on any website linked to the Platform.
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4. Third-Party Sites
The Platform or content on the Platform may contain links to third-party sites or may interoperate with certain third-party sites or services, such as your bank account. CreditPug does not assume responsibility for the accuracy or appropriateness of, and has no control over, the information, data, opinion, advice, or statements contained at such sites, and makes no representations about any such websites that may be accessed from the Platform or from any content on the Platform. Where you access such sites, you acknowledge and agree you are doing so at your own risk. Your use of a third-party site may be governed by the terms and conditions of such site.
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In providing links to third-party sites, CreditPug is in no way acting as a publisher or disseminator of any material contained on those sites and does not and does not seek to monitor or control such sites.
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A link to a third-party site does not mean and should not be construed to mean that CreditPug is affiliated or associated with such third-party in any way. CreditPug does not recommend or endorse any material found on such third-party sites. The mention of another party or its product or service on the Platform or in any content on the Platform is not and should not be construed as an endorsement of that party or its product or service.
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5. No Reliance
Any reliance you may place on the Platform or any content on the Platform is at your own risk. Any content provided by CreditPug on or through the Platform is provided for general information purposes only. Such content does not constitute technical, financial, or legal advice, or any other type of advice, and should not be relied on for any purpose. You agree to apply your own judgment or obtain specific or professional advice before taking, or refraining from, any action or inaction on the basis of the Platform or any content on the Platform.

16. INDEMNIFICATION
To the maximum extent permitted by applicable law, you agree at all times to indemnify, defend, and hold harmless CreditPug, its agents, affiliates, partners, and its and their respective directors, officers, employees, agents, service providers, contractors, licensors, suppliers, successors, and assigns from and against any claims, actions, proceedings, demands, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including legal and other fees and disbursements) sustained, incurred, or paid by CreditPug, or arising out of or relating to your breach of these Terms, your access or use of the Platform, your violation of any applicable law or regulation, your withdrawal of any pre-authorized consent without prior notice to us, or violation of any third-party’s intellectual property or other rights.

17. Miscellaneous
1. Force Majeure
CreditPug will have no liability to you for any breach of these Terms caused by any event or circumstances beyond CreditPug’s reasonable control, including without limitation strikes, lock-outs and other industrial disputes, breakdown of systems or network access, disease, flood, fire, explosion, or accident.

2. No Agency
No agency, partnership, joint venture, employee-employer, or franchiser-franchisee relationship is intended or created by these Terms.
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3. Governing Law, Jurisdiction, and Attornment
These Terms are governed by and are to be construed in accordance with the laws of the province of Ontario and the laws of Canada applicable therein, without giving effect to any choice of law provision, principle, or rule, and notwithstanding your domicile, residence, or physical location.
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For the purpose of all legal proceedings, these Terms shall be deemed to have been performed in the province of Ontario and the courts of the province of Ontario shall have jurisdiction to entertain any action arising under or out of these Term. You and us both agree to irrevocably attorn and submit to the exclusive jurisdiction of the courts of the province of Ontario. You further waive any and all objections to the exercise of jurisdiction over you by such courts and to the venue of such courts.
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You agree to waive any right you may have to a trial by jury or to commence or participate in any class action against us related to the Platform, any content on the Platform, or these Terms.

3. Waiver
No failure by us to exercise, or delay in exercising, any right, remedy, power, or privilege arising from these Terms operates, or may be construed, as a waiver by us thereof. No single or partial exercise by us of any right, remedy, power, or privilege hereunder precludes any other or further exercise by us thereof or the exercise of any other right, remedy, power, or privilege.
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4. Severability
Any term of these Terms that is prohibited or unenforceable in any jurisdiction shall, as to that jurisdiction, be ineffective to the extent of such prohibition or unenforceability and shall be severed from the balance of these Terms, without affecting the remaining terms of these Terms or affecting the validity or enforceability of such terms in any other jurisdiction. Nothing in these Terms shall operate to prejudice any mandatory statutory requirement or your statutory rights.

5. Entire Agreement
These Terms together with our privacy policy contain the entire understanding and agreement between you and us in relation to your use of the Platform, and supersede and replace all prior and contemporaneous understandings, agreements, representation, statement, or other communication.

6. Assignment
You may not assign, sublicense, or otherwise transfer any of your rights and obligations in these Terms to any other person. We may freely assign these Terms.

7. General Provisions
All rights not expressly granted by us herein are hereby reserved. Headings are for reference purposes only and in no way define, limit, construe, or describe the scope or extent of such section. Tips, Express Fees, and the Subscription Fee are non-refundable.

18. CONTACTING USIf you have questions regarding the Agreement or the practices of CreditPug, please contact us by e-mail at support@CreditPug.com.

Terms & Conditions