Terms & Conditions

Last updated: August 26, 2026. Please read these Terms & Conditions carefully before using the Owed Money Help website at https://owedmoneyhelp.com/ (the “Site”). By accessing or using the Site, you agree to be bound by these terms. If you do not agree, please discontinue use of the Site.

1. About Owed Money Help

Owed Money Help provides informational resources and connects individuals with Licensed Insolvency Trustee services related to debt solutions available under Canadian insolvency legislation, including Consumer Proposals and bankruptcy where appropriate. Content on this Site is intended for general information only and does not replace a personal consultation with a qualified professional.

References on the Site to “we,” “us,” or “our” mean Owed Money Help and, where applicable, affiliated Licensed Insolvency Trustee practices that deliver services in the jurisdictions where they are licensed.

2. Informational purpose only

The information published on this Site — including articles, FAQs, calculators, forms, estimates, and marketing copy — is provided for informational purposes and should not be treated as legal, insolvency, tax, accounting, or other professional advice. Outcomes described on the Site (such as potential debt reductions) are illustrative and depend on individual circumstances, creditor responses, and applicable law.

You should not rely solely on Site content when making decisions about your finances. We strongly encourage you to seek advice tailored to your situation. Use of the Site does not create a client, trustee, or advisory relationship until you have completed any required engagement process with a Licensed Insolvency Trustee.

3. No guarantee of results

Debt solutions, including Consumer Proposals, are subject to statutory requirements and creditor voting or court processes where applicable. We do not guarantee that any particular reduction percentage, monthly payment, timeline, or outcome will be available to you. Past client experiences described in testimonials reflect individual situations and are not a promise of similar results.

Eligibility for a Consumer Proposal, bankruptcy, or other option depends on factors such as the nature of your debts, income, assets, prior insolvency history, and provincial or federal rules. An adviser will explain which options may apply after reviewing your circumstances.

4. Use of the website

You agree to use the Site only for lawful purposes. You must not:

• Attempt to gain unauthorized access to any part of the Site, servers, or related systems
• Interfere with or disrupt the Site’s operation, security, or integrity
• Submit false, misleading, or fraudulent information through any form or communication channel
• Use the Site to harass, abuse, or harm others, or to violate any applicable law or regulation
• Scrape, harvest, or systematically extract content without our prior written consent
• Reproduce, redistribute, or commercially exploit Site content except as expressly permitted

We reserve the right to restrict or terminate access to the Site if we reasonably believe these terms have been violated.

5. Online forms & communications

When you submit an enquiry, quiz, or contact form, or email us at support@owedmoneyhelp.com, you represent that the information you provide is accurate to the best of your knowledge. You authorize us to use that information to respond to your request and, where appropriate, to assess whether debt-relief options may be relevant to you.

Electronic communications are not completely secure. Please avoid sending highly sensitive data (such as full social insurance numbers or banking passwords) by unencrypted email unless specifically requested through a secure channel. For questions about our contact practices, write to support@owedmoneyhelp.com.

6. Third-party links & content

The Site may contain links to third-party websites, accreditation bodies, review platforms, or government resources. These links are provided for convenience only. We do not control and are not responsible for the content, privacy practices, or availability of third-party sites. Inclusion of a link does not imply endorsement of the linked site or its operators.

7. Intellectual property

All text, graphics, logos, icons, images, layout, and software on the Site are owned by or licensed to Owed Money Help and are protected by Canadian and international intellectual property laws. You may view and print pages for your personal, non-commercial use, provided you do not modify the materials or remove any copyright or proprietary notices.

Any other use — including reproduction, modification, distribution, republication, or display — requires our prior written permission unless otherwise stated by law.

8. Disclaimer of warranties

The Site and its content are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

9. Limitation of liability

To the fullest extent permitted by applicable law, Owed Money Help and its officers, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, goodwill, or other intangible losses, arising out of or related to your use of (or inability to use) the Site or reliance on any content published on it.

Nothing in these terms excludes or limits liability that cannot be excluded or limited under applicable Canadian law, including liability for fraud or for personal injury caused by negligence where such exclusion is prohibited.

10. Privacy

Your use of the Site is also subject to our privacy practices. Personal information collected through the Site or via support@owedmoneyhelp.com is handled in accordance with applicable privacy legislation and our internal policies. By using the Site, you acknowledge that information you submit may be processed for the purposes described when you provide it.

11. Professional regulation

Licensed Insolvency Trustees in Canada are regulated under the Bankruptcy and Insolvency Act and related rules administered by the Office of the Superintendent of Bankruptcy. Services delivered by a Licensed Insolvency Trustee are subject to those professional and statutory obligations, which prevail over any conflicting marketing statements on the Site to the extent of the conflict.

12. Changes to these terms

We may update these Terms & Conditions from time to time. The “Last updated” date at the top of this page reflects the most recent revision. Continued use of the Site after changes are posted constitutes acceptance of the revised terms. We encourage you to review this page periodically.

13. Governing law

These Terms & Conditions are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-law principles. Any dispute arising from these terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts of Ontario, unless mandatory consumer-protection rules in your province of residence require otherwise.

14. Severability

If any provision of these terms is held to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, severed from these terms. The remaining provisions shall continue in full force and effect.

15. Contact

If you have questions about these Terms & Conditions, please contact us:

Email: support@owedmoneyhelp.com
Phone: 888-376-8488
Head office: 8920 Woodbine Ave., Suite 104, Markham, ON L3R 9W9

For general enquiries, visit our Contact page.