Terms of Service
Last updated: May 2026
By accessing or using InvestReferral.ca (the "Site"), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Site. These terms are governed by the laws of Canada.
1. Not Financial Advice
All content on InvestReferral.ca — including articles, guides, calculators, comparisons, and referral code information — is provided for informational and educational purposes only. Nothing on this site constitutes financial advice, investment advice, tax advice, or legal advice.
You should not make investment decisions based solely on information found on this site. Always consult a qualified financial advisor, tax professional, or legal counsel before making financial decisions. Individual circumstances vary significantly.
2. Referral Disclosure
InvestReferral.ca participates in referral and affiliate programs. This means we may earn a commission when you:
- →Open an account using a referral code from this site
- →Click a referral link and subsequently open an account
- →Use a promotional code listed on this site
These commissions do not affect the price you pay or the bonus you receive. Our editorial content is not paid for or influenced by referral partners. We recommend products and services we believe are genuinely useful to Canadian investors.
3. Accuracy of Information
We make reasonable efforts to ensure the information on this site is accurate and up to date. However, financial rules, contribution limits, interest rates, referral bonus terms, and brokerage fees change frequently.
Always verify current information directly with the relevant institution (CRA, Wealthsimple, Questrade, etc.) before acting on it.
InvestReferral.ca makes no guarantee that referral bonuses will be honoured. Bonus terms are set and enforced solely by the offering institution and are subject to change or cancellation without notice.
4. Calculator Results
The calculators on this site produce estimates based on the inputs you provide and simplified assumptions (e.g. fixed annual returns, flat tax rates). Results are for illustration purposes only and should not be relied upon for financial planning. Actual investment returns, tax liabilities, and contribution room may differ significantly from calculator estimates. Consult a financial professional for personalised projections.
5. Third-Party Links
This site contains links to third-party websites including Wealthsimple, Questrade, and the Canada Revenue Agency. These links are provided for convenience. InvestReferral.ca has no control over the content, privacy practices, or availability of third-party sites and accepts no responsibility for them. Visiting third-party sites is at your own risk.
6. Limitation of Liability
To the fullest extent permitted by Canadian law, InvestReferral.ca and its operators shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this site or reliance on any information contained herein. This includes but is not limited to investment losses, tax penalties, missed contribution deadlines, or referral bonuses not being paid.
7. Intellectual Property
All original content on InvestReferral.ca — including text, calculator logic, design, and structure — is the property of InvestReferral.ca. You may not reproduce, republish, or redistribute content from this site without prior written permission. Sharing individual links is encouraged.
8. No Endorsement
InvestReferral.ca is an independent website. We are not affiliated with, endorsed by, or sponsored by Wealthsimple Inc., Questrade Inc., the Canada Revenue Agency, or any other institution referenced on this site. Use of company names and logos is for reference purposes only.
9. Changes to Terms
We reserve the right to update these terms at any time. The "last updated" date above will reflect changes. Continued use of the site constitutes acceptance of the current terms.