Terms of Use
(In effect until September 27, 2026 for existing clients)
By accessing this website and any of its associated websites or mobile applications (the “Site”), you acknowledge these terms and conditions of use and agree to be bound by them. If you do not agree to these terms, please discontinue accessing the Site immediately.
We reserve the right, in our sole discretion, to modify, alter or otherwise update these terms and conditions at any time and you agree to be bound by such modifications, alterations or updates.
The content of the Site is published by Wealthsimple Technologies Inc. (“Wealthsimple”) and its affiliates.
This Site is only intended to provide you with general information and is neither an offer to sell nor a solicitation of an offer to purchase any security and may not be relied upon for investment purposes.
Any commentaries and information contained in the Site should not be considered personal investment advice.
Information on the Site is not intended to provide legal, accounting, financial or tax advice, and should not be relied upon in that regard. Please consult with your professional advisor with respect to your particular circumstances.
The Site is provided on an “as is” and “as available” basis, without any representations, warranties or conditions of any kind, whether expressed or implied, and including without limitation implied representations, warranties or conditions of title, non-infringement, merchantability, fitness for a particular purpose, performance, durability, availability, timeliness, accuracy, or completeness, all of which are hereby disclaimed by Wealthsimple to the fullest extent permitted by law.
Every effort has been made to ensure that the material contained on the site is accurate at the time of publication. However, Wealthsimple will not under any circumstances be liable to you or any other person in any way for any loss or damages (direct, indirect, special, economic, incidental, consequential, punitive or exemplary, including without limitation loss of revenue, data, anticipated profits or lost business) in respect of use of, or inability to use, or any reliance on, the Site, any of its content or links (including without limitation any inaccuracies or viruses), or any web browser or other equipment.
By accessing the Site, you agree to indemnify and hold harmless Wealthsimple and its agents, suppliers and their respective directors, officers and employees from and against any and all actions, proceedings, costs, claims, liabilities, damages and expenses (including reasonable legal fees) arising from or in connection with a breach of these terms and conditions or the use of this Site.
The contents of the Site are protected by applicable copyright and trademark laws. Unauthorized use or exploitation of such content is strictly prohibited including without limitation, unauthorized downloading, retransmission, storage in any medium, copying, redistribution, reproduction, or republication of the Site, or any part thereof, for any purpose.
Other sites accessed by hypertext appearing in the Site may have been independently developed by parties other than Wealthsimple. Wealthsimple does not guarantee the accuracy of information contained in such other sites.
Links to other sites should not be taken as Wealthsimple’s endorsement or approval of such other sites, the third parties named therein, or their products and services, nor is any liability assumed for incompatibility, non-suitability, viral infection or other destructive/disruptive components on or from such other sites.
The framing, mirroring, scraping or data-mining of the Site or any of its content in any form and by any method is strictly prohibited.
Wealthsimple cannot guarantee complete confidentiality or security for information that is transmitted electronically. By accessing the Site, you acknowledge that Wealthsimple is not responsible for any damages or losses you may suffer as a result of your electronic transmission of confidential or sensitive information to us. Please refer to Wealthsimple’s privacy policy for more information.
No consent or waiver by either party to, or of any breach or default by, the other party in its performance of its obligations under this agreement will be deemed or construed to be a consent to, or a waiver of, a continuing breach or default or any other breach or default of those or any other obligations of that party. No consent or waiver will be effective unless in writing.
If any provision of these terms and conditions is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed to be severed from the rest of these terms and conditions and shall not affect the validity and enforceability of any remaining provisions.
These terms and conditions are governed by the laws of Ontario and the laws of Canada applicable therein, excluding any conflict of laws which would lead to the application of any other laws. By accessing the Site, you hereby irrevocably submit and attorn to the provincial and federal courts located in the City of Toronto, Ontario for any disputes or matters arising from, connected with, or relating to the Site, this agreement or any related matters.
Terms of Use
(Effective immediately for new clients and September 27, 2026 for existing clients)
By accessing or using this website and its associated websites (the “Site”) or its associated mobile application(s) (the “App”, and together with the Site, the “Platform”), including any future versions, you acknowledge these terms of use (the “Terms”) between you and Wealthsimple Technologies Inc. and its affiliates (“Wealthsimple”, “we”, “our” or “us”) and agree to be bound by them. If you do not agree to these Terms, please discontinue accessing the Platform immediately.
Additional Terms.
Wealthsimple delivers financial services through the Platform (the “Services”) which may be subject to additional terms and conditions, including without limitation: the Client Account Agreement, the Wealthsimple Chequing Account User Agreement, and the Wealthsimple Credit Card Account Agreement (the “Additional Agreements”).
Wealthsimple’s Privacy Policy, available here, applies to the Platform and the Services. By agreeing to these Terms, you also agree to the Privacy Policy, as may be amended from time to time.
Eligibility. In order to use and access the Platform, you must be a Canadian resident. You may only use the Services in jurisdictions where Wealthsimple is authorized to offer them and where such use is permitted under any applicable laws, regulations, by-laws, rules, policies and customs (“Applicable Law”). In addition, you represent and warrant that:
all information you submit to the Platform, including information you provide in order to create a profile for your use of the Platform (a "Profile”) is true, accurate, current, and complete;
you will update us as soon as reasonably possible if any information you submitted under this Section changes;
you will access and use the Platform and/or Services from a jurisdiction in which Wealthsimple is authorized to provide the Services;
you are not subject to economic or trade sanctions, and you are not located in a country subject to sanctions imposed by Canada, the United States, the United Kingdom, or the European Union;
you are not, or are not alleged to be, a member of, or associated with, a criminal organization or persons who are known to be associated with a criminal organization, including any terrorists, terrorist groups, or any person known, or suspected by you, to be involved in terrorist activities;
you are not listed as a politically exposed person under applicable anti-bribery or anti-money laundering laws; and
you will not use the Platform or Services for the benefit or on behalf of a country, entity, or person embargoed or blocked by any government, including any person or entity on sanctions lists.
Security. You must keep your Profile secure in accordance with these Terms and the Additional Agreements. You agree that you are solely responsible for the confidentiality and security of your Profile credentials, including passwords, and must not share or disclose them with anyone. We are not liable for any unauthorized access to your Profile or for losses arising from your voluntary disclosure of your credentials, or from the careless or improper handling, storing, or disclosure of this information. In the event of loss, theft, misuse, or compromise of your credentials, you must notify us as soon as reasonably possible.
Content.
Except for Client Content, defined below, the Platform and all information contained therein (the “Wealthsimple Content”) is owned or licensed by Wealthsimple and protected by copyright, trademark, and other intellectual property laws. We reserve all right, title, and interest in the Platform, Wealthsimple Content, and all other materials we provide you in connection with these Terms (collectively, the “Materials”), and you acknowledge that all such right, title, and interest in the Materials, including any modifications and all intellectual property rights therein, remain with Wealthsimple, our Service Providers or our licensors, if applicable. We may periodically update or delete the Wealthsimple Content without notice.
You are solely responsible for all data, information, text, messages, images, photographs, or other materials that you post, transmit, upload, or otherwise make available on the Platform (“Client Content”). “Client Content” includes content submitted by other Wealthsimple clients, and, together with Wealthsimple Content, constitutes the “Content”. We may monitor Client Content from time to time, but we do not guarantee its accuracy, integrity, or quality. Under no circumstances will Wealthsimple or any of its directors, officers, employees, agents, representatives, or shareholders (collectively, “Representatives”) be liable in any way for any Client Content, including for any loss or damage arising from accessing, using, or viewing Client Content. Any personally identifiable information in your Client Content will be processed in accordance with our Privacy Policy and all other Client Content is considered non-confidential.
By posting, uploading, or otherwise displaying Client Content on the Platform or otherwise transmitting Client Content to us, you grant us a perpetual, non-exclusive, worldwide, royalty-free, transferable, and fully sublicensable right to use, reproduce, modify, adapt, copy, publish, translate, create derivative works from, distribute, transmit, display, remove, or otherwise use your Client Content, in whole or in part, and you waive your moral rights therein. You represent and warrant that you have all rights, power, and authority necessary to grant these rights.
For clarity, we are under no obligation to post or display any Client Content, and we reserve the right to remove or edit any Client Content that we determine, in our sole discretion, breaches these Terms.
Licence Grant. Subject to your compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-transferable licence to use the Platform in accordance with these Terms. We may revoke this licence and deny access to the Platform to anyone, at any time, for any reason in our sole discretion, including without limitation for breach of these Terms. You must immediately cease and desist from accessing or using the Platform upon our request.
Suspension and Termination.
We may suspend or terminate your access to the Platform at any time if we believe you have breached these Terms or any Additional Agreement, any Applicable Law, or if we need to maintain or protect the security or operation of the Platform.
Subject to the Additional Agreements, you may terminate your Profile and all associated accounts via the App or Site, ceasing use of the Platform and Services, and uninstalling and deleting the App.
Suspension or termination of your access to the Platform may delete some or all of your Client Content.
In accordance with our Privacy Policy, we may retain Client Content and other information you provide for document retention, fraud prevention, and legal and compliance reasons, including after your Profile is closed.
Restrictions. You may use the Platform and Content only in connection with the Services. Without limiting the foregoing, you will not, and will not permit anyone else to:
access or use the Platform and/or Services from, or in connection with, any jurisdiction in which Wealthsimple is not registered, licensed, authorized, or otherwise permitted to provide the Platform and/or Services;
frame, mirror, or otherwise incorporate the Platform, Services, or Content into another website, application, or service;
copy, scrape, crawl, or data-mine the Platform or Content in any form or by any method;
alter, modify, or adapt any part of the Platform, Services, or Content, including without limitation creating derivative works;
upload, introduce, or transmit any virus, worm, trap door, back door, or other harmful or malicious code, files, scripts, agents, or programs through the Platform;
reverse engineer, decompile, or disassemble the Platform, or attempt to obtain the source code for any of its components;
attempt to, or assist, authorize or encourage others to, disable, circumvent, or defeat any security features, software, or components that we use to protect the Platform, including without limitation, any rate limits, geoblocks, or paywalls;
manipulate information or images displayed in the Platform in order to disguise the origin of any Content, or impersonate another person or entity, or misrepresent an affiliation with another person or entity;
interfere with or disrupt the Platform;
post, transmit, upload, or otherwise make available any illegal, fraudulent, infringing, confidential, defamatory, harassing, offensive, harmful, tortious, or obscene information, text, images, or other content in the Platform, including Client Content, as determined by Wealthsimple in its sole discretion;
use or exploit the Platform or Content, including without limitation downloading, retransmitting, storing in any medium, copying, redistributing, reproducing, or republishing any part for any purpose without our authorization;
transmit or store infringing material in the Platform, including in any Content;
remove any watermarks, labels, or other legal or proprietary notices included in the Platform or Content;
sell, license, rent, distribute, or otherwise commercially exploit your access to the Platform, Services, or Content; or
use the Platform, Services or Content to violate Applicable Law or in a manner that violates any third party right, including without limitation contractual, intellectual property, or proprietary rights.
Third Party Service Providers. These Terms are entered into between you and Wealthsimple. We may contract with third-party service providers (“Service Providers”) in order to provide some or all of the Services, and Wealthsimple, not its Service Providers, is solely responsible for the Platform, including any maintenance, support, and Wealthsimple Content. You agree that the Service Providers, along with their respective affiliates, are third-party beneficiaries of these Terms, and, upon your acceptance of these Terms, have the right to enforce these Terms against you regarding their respective services.
Platform Availability. The Platform or certain Services may not be available at all times or in all or any jurisdictions due to maintenance, equipment or network malfunction, or other reasons. We try to ensure that the Platform is typically available 24 hours a day, but have no obligation to do so, and neither Wealthsimple, our affiliates, nor our respective Representatives (collectively, the “Wealthsimple Parties”) will be liable to you if the Platform is unavailable at any time.
Disclaimers.
No Solicitation or Advice. The Platform and Wealthsimple Content are intended to provide you with general information only and are neither an offer to sell nor a solicitation of an offer to purchase any security and should not be relied upon for investment purposes. Any Content on the Platform is not intended to provide legal, accounting, financial or tax advice, and should not be relied upon in that regard or considered personal investment advice. Please consult your professional advisor about your particular circumstances.
Confidentiality. Wealthsimple cannot guarantee complete confidentiality or security for information transmitted electronically. By accessing the Platform, you acknowledge that Wealthsimple is not responsible for any damages or losses you may suffer as a result of your electronic transmission of confidential or sensitive information to us.
Device and System. Your access to and use of the Platform, Services, and Content is at your own risk. We do not guarantee that the Platform is compatible with the device or operating system (the “Device”) you use to access them, or that any linked Content made available via the Platform will be free from viruses, worms, or other harmful or malicious code. You are responsible for protecting the security and integrity of your Device and any costs of servicing, repairing, or adapting of your Device that may be necessary due to your use of the Platform.
No Warranty. The Platform, Services, and Content are provided on an “as is” and “as available” basis, without any representations, warranties or conditions of any kind, whether expressed or implied, including without limitation implied warranties of title, non-infringement, merchantability, or fitness for a particular purpose, performance, durability, availability, timeliness, accuracy, or completeness. Wealthsimple hereby disclaims all such warranties to the fullest extent permitted by law.
Limitation of Liability. IN NO EVENT WILL THE WEALTHSIMPLE PARTIES BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY LOSS OR DAMAGES OF ANY KIND, INCLUDING WITHOUT LIMITATION DIRECT, INDIRECT, SPECIAL, ECONOMIC, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES, LOST PROFITS, LOSS OF REVENUE, LOSS OF DATA, LOSS OF USE, PERSONAL INJURY, FINES, FEES, OR PENALTIES, WHETHER OR NOT WE WERE ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGES ARISING FROM YOUR USE OF, INABILITY TO USE, OR ANY RELIANCE ON THE PLATFORM OR CONTENT, INCLUDING WITHOUT LIMITATION ANY INACCURACIES, DEFAMATION, OBSCENITY, OMISSIONS, FALSEHOODS, OR VIRUSES. IN NO EVENT WILL THE TOTAL AGGREGATE LIABILITY OF THE WEALTHSIMPLE PARTIES UNDER OR IN CONNECTION WITH THESE TERMS EXCEED ONE HUNDRED CANADIAN DOLLARS (CAD$100).
Indemnification. By accessing the Platform, you agree to indemnify and hold harmless the Wealthsimple Parties and their successors and permitted assigns from and against any and all actions, proceedings, costs, claims, liabilities, damages and expenses (including reasonable legal fees) which may arise from your use of the Platform, Services, or Content, including without limitation: (a) your breach of these Terms or any related agreements; (b) your violation of any law or third party rights, including without limitation intellectual property rights; (c) your breach of any representation or warranty made to us, either in these Terms or otherwise; (d) your breach of Applicable Law; and (e) any and all expenses incurred by us in connection with exercising any right pursuant to this section. We may, at our own expense, assume the exclusive defence and control of any indemnified matter hereunder, and you agree to cooperate fully as we reasonably requested.
Electronic Communications Consent.
You consent to receive all notices, alerts, disclosures, statements, agreements, amendments, confirmations, and other information relating to the Platform, Services and your Profile (“Communications”) in electronic form. We may deliver Communications through the Platform, by email to the address on your Profile, by text or SMS, by posting to the Site, or any other electronic method. Electronic Communications have the same legal effect as if provided on paper. You agree to review Communications within 30 days of receipt. We cannot guarantee the timeliness, accuracy, or delivery of any Communication, and will not be liable for any delays, failures to send or receive, or misdirected Communications. You may customize or deactivate certain Communications, and, subject to Applicable Law, we may cease providing certain Communications at any time in our sole discretion.
If you consent, we may provide marketing or promotional materials to you through the Platform, email, text, SMS, mail, phone, or other methods, as set out further in our Privacy Policy.
Third Party Websites. Other websites hyperlinked in the Platform may be independently developed by parties other than Wealthsimple (“Third Party Websites”). Wealthsimple does not guarantee the accuracy of information contained on Third Party Websites. A link to a Third Party Website is not Wealthsimple’s endorsement or approval of such Third Party Website, the third party named therein, or its products and services, nor does Wealthsimple assume any liability for incompatibility, non-suitability, viral infection or other harmful components on or from such Third Party Website. If you access any Third Party Website linked from the Platform, you do so at your own risk and will be subject to the terms and conditions applicable to such Third Party Website.
Force Majeure. Without limiting Section 12 (Limitation of Liability), we are not responsible or liable for any losses or damages resulting from causes outside our direct control, such as failure of electronic or mechanical equipment or communication lines, electronic viruses or malware, unauthorized access to our systems, theft, operator error, severe weather, natural disasters, strikes or other labour disputes, war, disease, epidemics, governmental restrictions, or for any loss of information caused by disruptions in or malfunctions of the Platform.
No Waiver. A waiver by either party of any of these Terms is only effective if explicitly made in writing. A written waiver by either party shall not operate or be construed as a waiver in respect of any failure, breach or default not expressly identified by such waiver, whether of a similar or different nature, and whether occurring before or after that waiver. Failure to exercise, or delay in exercising, any right, remedy, power, or privilege arising from these Terms will not operate or be construed as a waiver thereof; nor will any single or partial exercise of any right, remedy, power or privilege hereunder preclude any other or further exercise thereof or the exercise of any other right, remedy, power or privilege.
Severability. If any term or provision of these Terms is held to be invalid, illegal or unenforceable, such invalidity, illegality or unenforceability will only apply to such provision; the validity of the rest of these Terms will not be affected. These Terms will continue to be carried out as if such invalid or unenforceable provision were not in these Terms. If any Applicable Law is enacted, made, or amended that invalidates any term or condition of these Terms, in whole or in part, then such term or condition will be deemed to be varied or superseded only to the extent necessary to comply with such Applicable Law.
Assignment. You may not assign these Terms or your rights or obligations hereunder to any third party without our prior written consent; provided however, that no assignment may relieve you of any of your obligations hereunder. Any attempted assignment, transfer, or other conveyance in violation of this section will be void. We may assign these Terms or any of our rights or obligations under these Terms to any third party without your consent or notice to you. These Terms are binding upon and will enure to the benefit of each party and their permitted successors and assignees.
Entire Agreement. These Terms will be read in conjunction with the Additional Agreements, provided that, in the event of any conflict between these Terms and the Additional Agreements, the terms of the Additional Agreements will prevail.
Governing Law. These Terms are governed by the laws of Ontario and the federal laws of Canada applicable therein, excluding any conflict of laws principles which would lead to the application of any other laws. By accessing the Platform, you hereby irrevocably submit and attorn to the provincial and federal courts located in Toronto, Ontario for any disputes or matters arising from, connected with, or relating to the Platform, these Terms or any related matter.
Quebec Residents. It is the express wish of the parties that the Terms and all Communications, Materials, and other communications relating to the Platform be in English. Il est de la volonté expresse des parties que la présente convention et tous les documents, avis et autres communications qui concernent la tenue du compte soient rédigés en langue anglaise.
Amendment. We may amend these Terms at any time, subject to Applicable Law. We will notify you of any amendments to these Terms which we may provide electronically in accordance with Section 14 (Electronic Communications Consent). These Terms will always indicate the date they were last updated. By using the Platform after changes are posted, you are deemed to accept and agree to be bound by such changes. You agree that we are not liable to you or to any third party for any modification, suspensions, or discontinuance of the Platform. If you do not agree with any changes to these Terms, you may close your Profile.