Terms and Policies Terms and Policies

We are constantly improving our sites so there may be developments in how we use your data – all such developments will be promptly notified to you in this policy. Your continued use of our website will signify that you agree to any such changes.
By clicking ‘Get Results’ you hereby confirm that you have read our privacy policy and consent to the details therein.
Protecting your privacy is important to us. The basis on which you are entitled to access the website is set out below:


Please review our Privacy Policy, which also governs how we protect your privacy.

Electronic Communications

When you use our website or send e-mail to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or other electronic format. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.


All content included in or made available through this site–such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software–is the property of, Debt Advice Ontario. or its content suppliers, and is protected by Canadian and international copyright laws.


All graphics, logos, page headers, button icons, scripts, and service names included in or made available through this site are trademarks or trade dress of Debt Advice Ontario. or its affiliates, in Canada and other countries. Debt Advice Ontario. trademarks and trade dress may not be used in connection with any product or service that is not Debt Advice Ontario. or its affiliates’, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Debt Advice Ontario. or its affiliates. All other trademarks not owned byDebt Advice Ontario. or its affiliates that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Debt Advice Ontario. or its affiliates.

Right to Complain

All clients or applicants have the right to lodge a complaint or to request a review of any matter related to their file.

Clients are to be informed of their right to complain.

Complaints or requests for review shall be made to the Director of Program Services or the Chief Executive Officer; and failing to reach a satisfactory solution, shall be made to the Chair, Vice-Chair and/or the Secretary/Treasurer who will advise the Board of Directors accordingly.

The Board of Directors’ decision will be final and there shall be no further right of appeal unless required by law.

How you can help us

To help us give you the most appropriate advice, we will ask you to:

Let us know about your individual needs, circumstances and preferences.

Let us know if there is any aspect of our service, or of a product our partners have discussed or recommended, that you don’t understand.

Tell us if you think there are ways we can improve our service.


Debt Advice Ontario. website(s) (our website(s)) uses cookies to distinguish you from other users of our website(s). This helps us to provide you with a good experience when you browse our website(s) and also allows us to improve our website(s). This policy explains what we mean by “cookies”, the cookies we use on our website(s), what the cookies do, how long they last for and where you can find out more information about them.

What are cookies?

Cookies are pieces of data created when you visit a website, and contain a unique, identification number. Some cookies are stored in the cookie directory of your hard drive, and do not expire at the end of your session. Cookies do not contain any personal information about you and cannot be used to identify an individual user.

Cookies have a lifetime. Many only last until you close your browser or for a short time. These are called ‘session cookies’. Some last far longer though, for example, to enable a website to recognise you when you return to them. These are called ‘persistent cookies’. Where possible, we’ll let you know how long these cookies last for.

Cookies set directly by a website owner (like us) are generally known as ‘first party cookies’. Many (if not most) modern websites also use bits of hidden technology provided by other parties. Online advertising is a particularly common example. These other parties may also set cookies when you use our website. If they do so, their cookies are generally known as ‘third party cookies’.

There are some other computer technologies which are technically different to cookies but are used to perform very similar jobs and function in a very similar way. For example, ‘locally stored objects'(or ‘flash cookies’) are used to power some online video content, and ‘web bugs'(or ‘web beacons’) are used for many of the same purposes as cookies. When we provide services to you through our website, we want to make them easy to use, useful and reliable. Cookies are used to improve services for you through, for example:

enabling a service to recognise your device so you don’t have to give the same information several times during one task;

recognising that you may already have given a username and password so you don’t need to do it for every web page requested; and measuring how many people are using services, so they can be made easier to use and there is enough capacity to ensure they are fast. Now that we have explained what cookies are, please read “Our use of cookies” to understand why we use them.

First party cookies

These are cookies we set and that our website needs in order to function and if they are not accepted by you, parts of the site won’t be usable. Example would be for us to save a visitor filter selection from our homepage. These cookies may be used to enable us to identify a visitor’s current browsing session and allows our website to function as intended. These cookies can also let us know what web channel you used to find us, along with the keyword you used.

Third party cookies

These are cookies which are set by other people. Aside from setting cookies ourselves, we also allow carefully-selected third parties to set cookies during your visit to our website. These organisations provide us with information on how you use our website(s). They may also use cookies to promote our newest products and latest offers to you on other websites based on your previous activity at with us. For example, you may see products that you viewed on our website(s) presented on other websites as you move around the internet.

We regularly review the cookies we use and which our suppliers use to keep them to the minimum we think we need. In doing so, we aim to respect your right to privacy in your online life, which is very important to us, but also ensure you have a good browsing experience and ensure we have enough of the right kind of information to improve our website and the services which we offer. During your visit to our website(s) you may notice some cookies that are not related to our website(s). This happens when you visit a page with content embedded from a third party or use some of the links to social networking websites (e.g. FaceBook). We love it when you share information through a social media network but when you do so, please be aware that, these websites may place cookies on your device. We do not control how a third party uses their cookies. You should check these third party websites’ privacy policies for more information about their cookies if you are concerned about this.

Analytics cookies

We use various software tools that allow us to study, and then improve, how customers interact with our website(s) – this is known as website analytics. Examples of analytical tools that we use are: Google Analytics, Adobe Analytics and User Replay.

Analytics cookies allow us to understand more about how many visitors we have to the website(s), how many times they visit us and how many times a user viewed specific webpages within our site. Although analytics cookies allow us to gather specific information about the pages that you visit and whether you have visited our site(s) multiple times, we cannot use them to find out details such as your name or address.

How you can manage cookies

We hope you are happy with our cookie policy, but if you do not want to accept cookies from our website(s) you can change your browser settings so that cookies are not accepted. If you choose to do this, please be aware our website(s) may no longer function as intended.

All popular browsers (e.g. Chrome, Internet Explorer, Edge and Safari) allow you to amend your cookie settings so that cookies are no longer enabled across all websites that you visit.

Updates to our cookie policy

We review our use of cookies and similar technologies regularly. In doing so, we may change the cookies and other technologies we use, and how we use them. As a result, we will need to change this Cookie Policy from time to time to keep it accurate and up to date.

Contact us

If you want any further information about our approach to cookies and similar technologies, our website in general or have any other privacy questions relating to us, we’d be happy to help you. Please write to us by post to 130 Adelaide Street West, Suite 3300, Toronto, M5H 3P5

Thank you for taking the time to visit our website and read about our use of Terms and Policies.