By accessing or using this website, you agree to these Terms of Use and our Privacy Policy. If you do not agree, please do not use the site.
All content on this site — including the live interest rate, debt figures, the economic calendar, charts, the money-printer game, and the what-if simulator — is provided for general information and entertainment only. It is not, and must not be relied upon as, financial, investment, tax, mortgage, accounting, legal or any other professional advice, and it does not constitute a recommendation, solicitation or offer to buy or sell any product or security. We are not a registered investment adviser, dealer, mortgage broker, or financial planner. Always do your own research and consult a licensed professional before making any financial decision.
The Bank of Canada policy rate and exchange-rate figures are retrieved from the official Bank of Canada Valet API and are used subject to the Bank of Canada's terms of use. National-debt, provincial-debt, population, home-price, mortgage and economic-calendar figures are approximate estimates for illustration only and are not official statistics. Sentiment labels (cautious / neutral / positive) are our opinion, not a forecast. All information is provided "as is" and "as available," without warranties of any kind, express or implied, including accuracy, completeness, timeliness, or fitness for a particular purpose. Figures may be delayed, estimated, or incorrect. Verify anything important with the Bank of Canada, Statistics Canada, and the Department of Finance Canada before relying on it.
This site displays third-party advertising (including Google AdSense) and contains affiliate / referral links. If you click a partner link and open an account or make a purchase, we may earn a commission or referral bonus at no additional cost to you. These relationships may influence which products are featured, but they do not change the factual information we present, and nothing on this site is an endorsement or a recommendation. Offers, rates and terms are set by the providers, change frequently, and vary by eligibility — always confirm current terms on the provider's own website.
Links to third-party websites (including partners, the Bank of Canada, and Statistics Canada) are provided for convenience. We do not control and are not responsible for the content, products, policies, or practices of any third-party site. All third-party names, logos and trademarks are the property of their respective owners; their use here does not imply any affiliation with or endorsement by them.
To the maximum extent permitted by law, Overnight and its operators are not liable for any loss or damage of any kind — including direct, indirect, incidental, consequential, or financial loss — arising from your use of, or reliance on, this website or its content. You use this site entirely at your own risk.
You agree not to misuse the site, attempt to disrupt it, scrape it at scale, or use it for any unlawful purpose.
We may update these Terms or the site at any time without notice. Continued use after changes means you accept the updated Terms. Material changes are reflected by the "Last updated" date above.
These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable there, without regard to conflict-of-laws rules.
Questions? Email partners@bankratecanada.ca.