Last updated: January 15, 2026
1. Acceptance of Terms
By accessing or using debtsgo.ca or BIA Navigator, you agree to these Terms and Conditions.
If you do not agree, you should not use the site or the service.
2. Nature of the Service
BIA Navigator is an informational and educational tool designed to assist users in understanding Canada’s bankruptcy and insolvency framework.
It does not provide legal, financial, or professional advice.
Use of this site or service does not create a solicitor-client, trustee-client, or advisory relationship.
3. User Responsibilities
You agree to:
- Use the site for lawful purposes only
- Rely on original source materials and professional advisors before taking action
- Not misuse, disrupt, or attempt to interfere with the service
- Not to submit personal, confidential, or sensitive information through BIA Navigator
You acknowledge that chatbot interactions – questions and responses – may be reviewed for service improvement purposes.
4. Accuracy and Availability
While reasonable efforts are made to provide accurate and up-to-date information:
- Content may be incomplete, outdated, or contain errors
- We make no guarantees regarding accuracy, completeness, or suitability
We may modify, suspend, or discontinue BIA Navigator or any part of the site at any time without notice.
5. Access and Accounts
If user accounts or paid access are introduced:
- You are responsible for maintaining the confidentiality of your login credentials
- We reserve the right to suspend or terminate access for misuse, non-payment, or violation of these terms
6. Intellectual Property
All site content, including text, structure, and functionality, is owned by or licensed to Debtsgo.ca unless otherwise stated.
You may not reproduce, distribute, or republish content without permission, except for personal, non-commercial use.
7. Limitation of Liability
To the fullest extent permitted by law:
- Debtsgo.ca shall not be liable for any loss or damage arising from use of the site or BIA Navigator
- Use of the service is at your own discretion and responsibility
8. Governing Law
These Terms and Conditions are governed by the laws of Canada, without regard to conflict of law principles.
9. Changes to Terms
We may revise these Terms and Conditions from time to time.
Continued use of the site constitutes acceptance of any updated terms.
10. Contact
Questions regarding these Terms may be submitted through the contact form on this site.