Please read these terms carefully before enrolling in a Kredify membership plan.
Kredify Inc. ("Kredify," "we," "us," or "our") is a Canadian company that operates an online financial education membership service accessible at kredify.ca. Kredify is not a lender, financial institution, credit provider, money services business, or mortgage broker of any kind. We do not offer loans, lines of credit, advances, or any form of debt or credit product.
By enrolling in a Kredify membership plan, you ("Member," "you," or "your") acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions in their entirety. If you do not agree, do not enroll.
To enroll in a Kredify membership, you must meet all of the following criteria at the time of enrollment:
Kredify reserves the right to verify eligibility at enrollment and at any time during your active membership. Providing false, incomplete, or misleading information during enrollment may result in immediate termination of your membership and forfeiture of any welcome bonus.
Membership is for the personal use of the enrolled member only and is non-transferable. Kredify does not perform any credit bureau inquiry as part of the enrollment or ongoing membership process. Your credit score and credit file are not accessed, reviewed, or affected in any way.
Kredify offers multiple membership tiers. Each plan has a defined subscription period, a number of scheduled instalment payments, a payment amount per instalment, and an associated welcome bonus. The complete details of your selected plan — including all payment amounts, the full payment schedule, the subscription duration, and the welcome bonus — are presented clearly during enrollment and must be reviewed and confirmed by you before your membership is activated.
All membership fees are denominated in Canadian dollars (CAD) and are processed via pre-authorized debit from your Canadian bank account on the schedule disclosed at enrollment.
Kredify reserves the right to modify its plan offerings, fees, and these terms at any time for future memberships. Any changes will not affect existing active memberships unless otherwise required by applicable law, in which case you will be notified in advance.
Each Kredify membership plan includes a promotional welcome bonus. The welcome bonus is a cashback benefit provided by Kredify to members upon enrollment in a qualifying membership plan. The welcome bonus is not a loan, advance, grant, bursary, prize, or government benefit of any kind. It is a promotional reward associated with your membership subscription.
Welcome bonus amounts vary by plan and range from $250 to $2,000. The specific bonus amount, disbursement method, and all applicable conditions are disclosed in full at the time of enrollment and are set out in your membership agreement.
The welcome bonus is issued upon enrollment. Welcome bonus eligibility may be withdrawn or reversed in the following circumstances:
The welcome bonus is not conditional on the ongoing processing of subscription instalments after issuance. Full conditions are detailed in your membership agreement provided at enrollment.
Membership provides access to Kredify's library of financial education courses, downloadable tools, templates, and support resources (collectively, "Member Content"). All Member Content is provided for informational and educational purposes only and does not constitute financial, legal, investment, accounting, or tax advice. Nothing in the Member Content should be construed as a recommendation to take any specific financial action.
Kredify makes no representations or warranties that participation in the membership or use of Member Content will result in any specific financial outcome, credit improvement, or monetary benefit beyond the welcome bonus described herein. Members are strongly encouraged to consult qualified professionals for advice tailored to their individual circumstances.
Access to Member Content is available for the duration of your active membership. Upon cancellation, expiry, or termination of membership, access to course materials and member resources may be revoked.
Members may request cancellation of their membership at any time by contacting Kredify's support team at support@kredify.ca. Cancellation requests are processed within 2 business days of receipt.
Upon cancellation:
If you believe a charge was made in error, contact us promptly at support@kredify.ca and we will investigate.
By enrolling, you authorize Kredify to initiate pre-authorized debits from the Canadian bank account you provide at enrollment, on the payment dates and in the amounts disclosed in your plan agreement. It is your responsibility to ensure sufficient funds are available in your account on each scheduled instalment date.
In the event that a scheduled instalment cannot be processed (for example, due to insufficient funds, a closed account, or a banking error), your access to Member Content and membership resources may be temporarily suspended until the outstanding instalment is resolved. A returned item fee may apply as disclosed in your membership agreement. Your welcome bonus is not affected by instalment processing issues — it is issued at the time of enrollment.
If you anticipate difficulty with a scheduled instalment, please contact our support team in advance at support@kredify.ca so we can work with you to find a resolution.
Kredify collects and processes personal information in accordance with our Privacy Policy and applicable Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA). By enrolling, you consent to the collection, use, and disclosure of your personal information as described in our Privacy Policy.
All Member Content, including course materials, tools, templates, text, graphics, and software made available through the Kredify platform, is the property of Kredify Inc. or its licensors and is protected by applicable Canadian and international intellectual property laws. You are granted a limited, non-exclusive, non-transferable licence to access and use Member Content solely for your personal, non-commercial educational purposes during your active membership. You may not reproduce, distribute, resell, or otherwise exploit any Member Content without Kredify's prior written consent.
To the maximum extent permitted by applicable law, Kredify, 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 or inability to use the membership service, Member Content, or any associated tools or resources.
Kredify's total aggregate liability to you for any claim arising from or related to your membership shall not exceed the total membership fees paid by you in the 30 days immediately preceding the event giving rise to the claim.
These Terms & Conditions are governed by and construed in accordance with the laws of Canada and the laws of the province in which you reside (excluding Quebec). Any dispute arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of the applicable province.
Membership is not available to residents of Quebec. If you are a resident of Quebec, you are not eligible to enroll and these terms do not apply to you.
Kredify reserves the right to modify these Terms & Conditions at any time. For material changes affecting active members, we will provide notice via email at least 14 days before the changes take effect. Continued use of your membership following such notice constitutes your acceptance of the revised terms. The most recent version of these terms is always available at kredify.ca/terms.
If you have any questions about these Terms & Conditions, please contact us at support@kredify.ca. We are a real Canadian team and respond within one business day.