If you’re on the hunt for an ad, here’s what to know about paid advertising, how to avoid it, and what you can do to help prevent it.1.
Paid advertising is illegal in CanadaThe Fair Credit Reporting Act prohibits any financial institution from “using any information obtained from you in connection with the use of any advertisement to determine your creditworthiness or your ability to pay for any goods or services” without your consent.
The law also gives consumers some leeway in what they can do if they think they may have been tricked.2.
You have rights in CanadaIf you believe you were tricked into giving up your right to refuse a purchase, you can seek legal advice.
The Fair Credit Report Act requires that you get your credit report from an independent credit reporting agency before you are given a credit report.
If you don’t have access to a credit reporting company, you must file a lawsuit.3.
Some companies have policies that prohibit you from advertising on their sitesThe Fair Information Act does not explicitly prohibit advertising on a company’s website.
Some sites, such as Google, may prohibit ads on their pages by default.
The government has the power to change this.4.
Ads can be deceptive and misleadingThe Fair Broadcast Advertising Act requires radio, television and print advertising to be accurate, truthful and non-misleading.
The rules apply to all advertising.5.
Advertising is not allowed in your local areaIf you live in a region where advertising is prohibited, you have the right to block or limit the ads you see.6.
Don’t be duped by ads with fake news contentIf you find any content that is fake news or is otherwise misleading, contact the advertiser or the relevant authorities.7.
Advertising and political advertising are not legalIn Canada, political advertising is not legal.
Ads may be legal if they are truthful and if they do not make false or misleading statements.8.
Do you need legal advice?
Ask your local credit reporting agencies about advertising policies and regulations.
They may be able to help you with that.9.
Don´t miss out on the best deals on online content and servicesIn Canada and abroad, there are a number of online markets that offer a wide range of products and services, often with a low or zero cost, that offer very competitive rates.
Some of these sites offer great deals and some offer very low rates.
You should check them out.10.
Don�t trust the internetIf you have been misled into signing up for an online account or signing up to a mailing list, it is important to check your identity.
The Canada Elections Act allows anyone to request identity verification when signing up, but you should never be fooled into signing into an account or mailing list that you don´t want.11.
Do not sign up for your local mailing list or social media account unless you are familiar with the terms and conditionsBefore you sign up to an online mailing list (or social media or other service), it is advisable to make sure you are aware of the terms of the service.
The terms of service will tell you if you are signing up on behalf of your employer, a person you are associated with, or anyone else you know.
If the terms are not clear, you should not sign.
You should also be aware of any privacy and security policies that you are being asked to agree to.
You can check out the full terms of services by going to the website of the organization you are registering with.
If there is no information on the site, or if you need further assistance, consult the local credit bureau or other consumer protection agency.12.
Make sure your credit history is up to dateBefore you start shopping online, it may be important to take note of your credit record and how you have managed your accounts.
If it appears that your credit was affected, there is a good chance you may have had some kind of unauthorized charge or charge that you were not aware of.
The credit bureau may have an audit that you can request, but the credit report can only provide you with a partial or incomplete picture of your debt history.
The good news is that the credit reporting companies that you use to verify your information can provide you the most accurate and complete information possible.
You may also want to review your credit score, but it is not a good idea to do so unless you have an immediate financial need.13.
Don¹t rely on online reviewsYou should check your credit rating before you buy anything online.
If your rating is below 3.5 or less, there may be a higher chance that you might be under- or over-rated.
If so, you might want to check with the company you use for online shopping.
If your rating drops below 3 or 5, you may need to reconsider whether or not you are a good value for money.
If this is the case,