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MoneySense, Canada’s personal finance resource for more than 25 years, is owned by Ratehub Inc., but remains editorially independent. The editorial team works to provide accurate and up-to-date information, but details can change and mistakes could happen. We encourage readers to do their own research, practice critical thinking and compare their options, especially before making any financial decisions. If you read something you feel is incorrect or misleading, please contact us. MoneySense is not responsible for content on external sites that we may link to in articles. We aim to be transparent when we receive compensation for advertisements and links on our site . Paid content that is sponsored, presented or created by a MoneySense partner is clearly labelled. Affiliate (monetized) links are indicated with an asterisk or labelled as “Featured.” (Read our full advertising disclosure for more details.) Advertisers/partners are not responsible for and do not influence our editorial content. Our advertisers/partners are also not responsible for the accuracy of the information on our site. Be sure to review product information as well as provider terms and conditions on their sites. (Products and offers may vary for Quebec.) The content provided on our site is for information only; it is not meant to replace advice from a professional.