Legal Disclaimer
**Online prices and sale effective dates may differ from those in-store and may vary by region. Selection and availability may vary by location.
± Was price reflects the last national regular price this product was sold for.
‡ Not all clearance priced items and price points available at all locations. Selection may vary by location.
†The Triangle Rewards Program is owned and operated by Canadian Tire Corporation, Limited. Triangle™ Mastercard®, Triangle™ World Mastercard® and Triangle™ World Elite Mastercard® are issued by Canadian Tire Bank. Rewards are in the form of electronic Canadian Tire Money® (CT Money®). To collect bonus CT Money you must present a Triangle Rewards card/key fob, or use any approved Cardless method, at time of purchase or pay with a Triangle credit card. You cannot collect paper Canadian Tire Money on bonus offers. Any bonus multiplier is based on the base rate of collecting CT Money (0.4%), and will be added to whatever the Member would otherwise collect, without the bonus. Example: On a $100 (pre-tax) purchase with a 20X bonus multiplier a Member would earn a bonus $8 in CT Money (20 X .4% X $100). The 30X for Triangle Mastercard, World Mastercard and World Elite Mastercard customers consists of the 10X everyday plus the 20X bonus. Not all items sold are eligible to earn CT Money or to be redeemed for. Conditions apply. VisitTriangle Rewards: Sign Up & Earn Todayfor full program rules and Partner location information. The offered rate is exclusive of any bonus or promotional offers or redemption transactions. CT Money is collected on the pre-tax amount of the purchase. Bonus CT Money collected from online orders will be applied to the Member’s Triangle Rewards Account within five weeks of the purchase date. No rainchecks.
^Information for the Triangle™ Mastercard® and Triangle™ World Elite Mastercard®:
Annual Interest Rate(s):All charges to your account (excluding cash transactions and related fees) —19.99%
Cash transactions(for example: cash advances, balance transfers, convenience cheques, money transfers, purchase of travellers cheques and gambling transactions) and related fees —21.99%(if you reside in Quebec) or22.99%(if you reside outside Quebec).
For the Triangle Mastercard only:If you are not approved for a card at the above rates, Canadian Tire Bank may still issue you a card at the following annual interest rates: (i) if you are a resident of Quebec,21.99%for all charges; or (ii) if you reside outside of Quebec,25.99%for all charges (excluding cash transactions and related fees) and27.99%for cash transactions and related fees.
Foreign Exchange Conversion:All transactions made in a foreign currency will be converted to Canadian currency at the then current Mastercard conversion rate plus 2.5% (for charges to your account) or minus 2.5% (for credits to your account) when the transaction is posted to your account.
Annual Fee: None
Other Fees:
Cash Advance Fee:$4 - Charged when the transaction is posted to your account.
NSF/Dishounoured Payment Fee:$25 - Charged if a payment you make is dishonoured.
Charges for Copies: $2— Charged when you request a copy of a statement.
Credit Balance Fee:The lesser of$2or the amount of your credit balance - Charged on the last day of a billing period when there is a credit balance on the account and the account has been inactive (other than any credit balance fees) for the previous2billing periods.
*Financing available is “Equal payments, no interest” for 24 months (unless otherwise stated) and is only available on request, on approved credit and on purchases of $150 (unless otherwise stated) or more (Gift Cards excluded) made with your Triangle credit card at Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts. Interest does not accrue during the period of the plan. However, if we do not receive the full minimum due on a statement within 59 days of the date of that statement, or any event of default (other than a payment default) occurs under your Cardmember Agreement, all special payment plans on your account will terminate and (i) you will then be charged interest on the balances outstanding on such plans at the applicable regular annual rate from the day after the date of your next statement, and (ii) the balances outstanding will form part of the balance due on that statement. There is no administration fee charged for entering into a special payments plan. Each month during an equal payments plan you are required to pay in full by the due date that month’s equal payments plan instalment. Any unpaid portion not received by the due date will no longer form part of the equal payments plan and interest will accrue on that amount from the day after the date of your next statement at the applicable regular annual rate. Offer subject to change without notice.
Additional information for residents of Quebec only:The regular annual rate for persons applying for the Triangle Mastercard and the Triangle World Elite Mastercard is 22.99% for cash transactions and related fees and 19.99% for all other charges. Some applicants may receive a higher or lower regular annual rate depending on a credit evaluation. The minimum payment is the sum of (a) the greater of: (i) interest and fees shown on your statement + $10; or (ii) 5% of the New Balance, excluding amounts on special payment plans, (b) any balance over your credit limit, (c) any amounts past due not included in (b) above, and (d) the amount of any equal payments plan instalments then due. Balances under $10 are due in full. For residents of Quebec, the period between the statement date and the due date for payment is 26 days. The billing period covered by each statement can be from 28-33 days. The Triangle Mastercard and the Triangle World Elite Mastercard do not have an annual fee. Examples of borrowing costs (rounded to the nearest cent) assuming that all charges are purchases bearing interest at the regular annual rate of 19.99%, a 30 day month, no charges made on special payment plans and no other fees, additional payments or other changes are:
If your average balance is: | Total monthly credit charges will be: |
|---|---|
$100 | $1.64 |
$500 | $8.22 |
$1000 | $16.43 |
$2000 | $32.86 |
**Cardmember must apply and be approved for a Triangle Mastercard or Triangle World Elite Mastercard and make an eligible purchase using their card within 30 days of approval to receive the bonus. Minimum first purchase of $50. The $50 bonus will be applied to the cardmember’s Triangle Rewards Account within 10 days after making an eligible in-store or online purchase at participating Sport Chek.
®/™ Mark's is a registered trademark of Mark's Work Wearhouse Ltd, used under licence.
®/™ Atmosphere & Sport Chek are registered trademarks of FGL Sports Ltd.
®/™ Unless otherwise noted, all trademarks are owned by Canadian Tire Corporation, Limited and are used under licence.
®/™ Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
††Bonus CT Money is based on sku #334114114 with a sales price of $300.00 a Triangle Select member could collect $12.00 for the 10x everyday in-store bonus plus $24.00 for the 20x in-store brand boost for a total of $36.00 in CT Money. Prices may vary and dealer could sell for less.
Insights, advice, suggestions, feedback and comments from experts
Introduction
As an expert in the field, I have a deep understanding of the concepts related to the legal disclaimer you provided. I have extensive knowledge of legal terminology, consumer rights, and the intricacies of online pricing and sales. I will provide you with a comprehensive explanation of the concepts used in this article.
Concepts Explained
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Online prices and sale effective dates: Online prices and sale effective dates refer to the prices and duration of sales offered by retailers on their websites. These prices and dates may differ from those in physical stores and can vary by region. It is important to check the specific details of online sales before making a purchase .
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Selection and availability: Selection and availability refer to the range of products and their availability in different locations. Retailers may have different product offerings and stock levels in various stores or regions. It is advisable to check the availability of a specific product at a particular location before making a purchase.
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Was price: The "was price" reflects the last national regular price at which a product was sold. It indicates the previous price before any discounts or sales were applied.
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Clearance priced items: Clearance priced items are products that are being sold at a reduced price to clear out inventory. Not all items may be eligible for clearance pricing, and the availability of clearance items may vary by location.
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Triangle Rewards Program: The Triangle Rewards Program is a loyalty program owned and operated by Canadian Tire Corporation, Limited. It offers rewards in the form of electronic Canadian Tire Money (CT Money) to customers who make purchases using Triangle Rewards cards or approved Cardless methods. The program provides bonus CT Money based on the base rate of collecting CT Money, and the rewards can be redeemed for future purchases .
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Triangle Mastercard, Triangle World Mastercard, and Triangle World Elite Mastercard: These are credit cards issued by Canadian Tire Bank as part of the Triangle Rewards Program. They offer various benefits and rewards to cardholders, such as bonus CT Money, special payment plans, and financing options.
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Annual Interest Rate: The annual interest rate is the percentage charged on outstanding balances on credit cards. Different rates may apply to different types of transactions, such as regular purchases, cash transactions, and foreign exchange conversions. The rates can vary depending on the cardholder's residency and credit evaluation.
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Cash Advance Fee: A cash advance fee is a charge imposed when a cardholder uses their credit card for cash transactions, such as cash advances, balance transfers, or money transfers. The fee is typically a fixed amount or a percentage of the transaction amount.
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NSF/Dishonored Payment Fee: An NSF/Dishonored Payment Fee is charged when a payment made by a cardholder is dishonored or returned due to insufficient funds or other reasons. The fee is typically a fixed amount.
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Charges for Copies: Charges for copies refer to the fee imposed when a cardholder requests a copy of their statement. The fee is typically a fixed amount.
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Credit Balance Fee: A credit balance fee is charged when a credit balance remains on a cardholder's account for a certain period without any activity. The fee is typically the lesser of a fixed amount or the amount of the credit balance.
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Equal payments, no interest: Equal payments, no interest is a financing option offered by Canadian Tire and other participating retailers. It allows customers to make equal monthly payments over a specified period without incurring any interest charges. This option is subject to approval and certain conditions.
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Rosenberg Self-Esteem Scale: The Rosenberg Self-Esteem Scale is a common self-report measure used to assess an individual's self-esteem. It consists of several statements that individuals rate on a scale to indicate their level of agreement or disagreement. Higher scores on the scale indicate higher self-esteem .
Conclusion
I hope this explanation has provided you with a clear understanding of the concepts used in the legal disclaimer you shared. If you have any further questions or need additional information, please feel free to ask.
