Terms of Service

By accessing or using Kydel (“the Service”), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Service. We reserve the right to update these terms at any time; continued use after changes constitutes acceptance.

Kydel is a free grocery savings app that helps Canadians find the best deals. We display weekly store flyer pages so you can browse promotions visually, and we calculate your Net Effective Price (NEP) — the true cost of a grocery item after applying flyer sale discounts, credit card cashback, and loyalty point values based on your selections.

Grocery Deals & Flyer Content
Deal information and flyer page images displayed in Kydel are sourced from publicly available weekly flyer circulars published by Canadian retailers. Our team obtains official digital flyers through legitimate public channels and processes them using proprietary technology to extract deal data — product names, prices, discount amounts, and validity dates.

Flyer page images are displayed in-app so you can browse deals visually, with full attribution to the originating retailer. These images are automatically deletedfrom our servers after the flyer’s advertised validity period plus a short buffer (14 days). We do not archive, redistribute, or make expired flyer content available. All factual deal data (prices and product names) represents publicly advertised information.

Credit Card Information
Credit card reward rates, annual fees, and category benefits are sourced from publicly available product information published by Canadian financial institutions on their public product pages. This information is updated regularly but may not reflect the most recent changes to card terms. Always verify current terms directly with your card issuer before making financial decisions.

Product Images
Product images shown in Kydel may include cropped sections from retailer flyer pages (displayed with store attribution), images from public product databases (such as Open Food Facts, used under the Open Database License), or AI-generated illustrations representing general product categories. These images are intended to help you identify products — they are not a guarantee of the actual product appearance or packaging available in-store.

Important Limitations

• Prices and deals shown may change without notice and may vary by store location
• Kydel does not guarantee the accuracy, completeness, or timeliness of any displayed information
• Retailer promotions are subject to the retailer’s own terms and conditions
• Credit card benefits are subject to your individual cardholder agreement
• Kydel is independent — we are not a bank, retailer, or loyalty program, and we are not endorsed by any of them. Where we earn an affiliate referral commission when you apply for a credit card through a Kydel link, this is disclosed and never changes our algorithmic rankings or Net Effective Price calculations.
• Some deals may display a “Sponsored” or “Featured” badge indicating a brand has paid for highlight placement. The Net Effective Price of every deal — sponsored or not — is calculated identically.

By using Kydel, you consent to the collection and use of information as described in these Terms and our Privacy Policy. Specifically:

• We collect minimal personal information (email, postal code, card selections) to provide personalised pricing
• We use anonymous analytics (tagged with a monthly-rotating session identifier, not linked to your identity) to improve the app experience. You can turn this off at any time in Settings → Privacy & Data.
• We may produce aggregated, anonymised reports (for example, impression or click counts by store or category) that we share with retail or card partners. These reports never contain personal information and enforce a minimum-session threshold that prevents individual re-identification.
• When you click a credit card “Apply” link, we record that a click occurred so the issuer can attribute the referral to Kydel. We never receive your application details, approval status, or any financial information from the issuer.
• We do not sell your personal information or use it for advertising
• You may withdraw consent at any time by deleting your account or contacting us

For full details on data handling, see our Privacy Policy.

Prices displayed in Kydel are sourced from publicly available store flyers and may not reflect real-time in-store prices. Actual prices may vary by store location, stock availability, or promotional timing. Kydel makes no guarantee that the prices shown are accurate, current, or complete. Always verify prices at the point of sale before making a purchase decision.

All prices displayed in Kydel are pre-tax amounts as advertised in retailer flyer circulars. Most basic groceries in Canada are zero-rated for GST/HST. However, certain product categories (including snacks, carbonated beverages, prepared foods, and non-food items) may be subject to applicable federal and provincial sales taxes at checkout. Kydel does not calculate or display sales tax.

The Net Effective Price, cashback calculations, and loyalty point valuations provided by Kydel are estimates for informational purposes only and do not constitute financial, investment, or legal advice. Card earn rates, point values, monthly caps, and store eligibility rules change frequently. Verify current terms directly with your card issuer or loyalty program.

Cashback and rewards calculations are based on the earn rates and point values entered into our database. These values may be out-of-date. Actual rewards earned depend on your individual card agreement and applicable terms.

Independence & affiliate disclosure.Kydel is an independent service — we are not a bank, credit card issuer, or loyalty program operator, and we are not endorsed by any of them. Where Kydel participates in a credit card issuer’s affiliate or referral program, we may earn a commission when a user is approved for a card via a Kydel “Apply” link. This is disclosed on the Methodology and Privacy Policy pages. Affiliate status never influences our algorithmic card rankings, Net Effective Price math, or the order of results shown to you.

You are responsible for maintaining the confidentiality of your account credentials. You agree not to share your account or use another user’s account. We reserve the right to terminate accounts that violate these terms.

You agree not to:

• Use the Service for any unlawful purpose or in violation of applicable Canadian law.
• Attempt to scrape, reverse-engineer, or copy our flyer data or price database for commercial use.
• Interfere with or disrupt the Service or its infrastructure.
• Submit false information or impersonate another person.

All content, design, and source code of the Kydel application (excluding third-party libraries) is owned by Kydel and protected by Canadian copyright law. You may not reproduce, distribute, or create derivative works without prior written consent.

Grocery product names, store names, and brand marks referenced in the app are the property of their respective owners. Kydel displays this information for informational comparison purposes.

Flyer page images displayed in the app remain the intellectual property of the respective retailers. Kydel displays these images solely to help consumers view currently advertised promotions. Flyer content is shown with retailer attribution and is automatically removed after the promotional period ends.

To the fullest extent permitted by applicable law, Kydel and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Service, including but not limited to lost savings, purchasing decisions made based on displayed prices, or any errors in cashback/rewards calculations.

Our total liability to you for any claim arising under these terms shall not exceed CAD $0 (the Service is provided free of charge).

We reserve the right to suspend or terminate your access to the Service at any time for any reason, including violation of these terms, without prior notice. You may delete your account at any time through the Profile settings.

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law provisions. Any disputes shall be subject to the exclusive jurisdiction of the courts of Ontario.

Questions about these Terms of Service?

Legal, Kydel
Email: legal@kydel.ca