Website Legal Terms & Conditions

True North Mortgage
1 Terms and conditions apply. Earn 5,000 Hudson’s Bay Rewards points when you complete a pre-approval application to lock in your rate; and 35,000 points when you fund a mortgage valued at $350,000 at a rate of 1,000 points for every $10,000 of a funded mortgage.
Subject to approved credit.
Mortgage brokering services are provided, and mortgages are arranged for, by True North Mortgage, Broker License #11896.

Optima
2  Earn 1,250 Hudson’s Bay Rewards points when you obtain an auto insurance quote, and 750 points for a home insurance quote; earn 1,000 points when you provide your expiry date; and earn 5,000 points when you renew your combined home and auto insurance policy and use a valid Canadian-issued credit card to pay for your premiums.
Home and Auto Insurance is brokered by Optima Insurance Group and underwritten by a number of Canadian insurers.
Home and Auto insurance products are currently available in Ontario and Alberta only.

Canada Life
3 Earn 1,000 Hudson’s Bay Rewards points when you obtain a one-time, no obligation Term Life, Guaranteed Issue Life, Accident, or Critical Illness insurance quote; 2,000 at enrolment; and 4,000 annually, when you use a valid Canadian credit card to pay your premiums.
Personal Insurance is arranged for by Hudson’s Bay Financial Services and underwritten by The Canada Life Assurance Company.

OFX
4 Earn 2,000 Hudson’s Bay Rewards points on currency transactions of $2,000 to $9,999 CAD; 3,000 points on currency transactions of $10,000 to $15,999 CAD; 4,000 points on currency transactions of $16,000 to $20,999 CAD; and 5,000 points on currency transactions of $21,000 CAD or more.
Foreign exchange services are provided, and money transfers are arranged for by OFX Limited. OFX is registered with FINTRAC (registration number M08560392).

Securiglobe Inc.
5 Rates and product details are effective as of January 1, 2018, and are subject to change without notice. All plans are subject to the terms and conditions of your Policy and Documents of Insurance. Premiums vary by age, duration of travel and pre-existing medical conditions.
Earn 3,000 Hudson’s Bay Rewards points for an annual plan; 5,000 points for a winter travel plan; 5,000 points for a Visitors to Canada plan and 2,000 points when you purchase all other plans; when you use a valid Canadian credit card to pay for your premiums.
Travel insurance is arranged for by Hudson’s Bay Financial Services with the assistance of SecuriGlobe Inc. Travel insurance is underwritten by a number of Canadian insurers.

Petline Insurance
6 Earn 2,000 Hudson’s Bay Rewards points when you purchase a Basic Care Plan; 3,000 Hudson’s Bay Rewards points for Enhanced Care; and 4,000 Hudson’s Bay Rewards points for an Enhanced Care Plus plan. Points will be issued in equal increments after every six months when you use a valid Canadian-issued credit card to pay for your premiums and will not be pro-rated. Offer valid in Alberta, British Columbia, New Brunswick, Newfoundland and Labrador, Northwest Territories, Nova Scotia, Nunavut, Ontario, Quebec, and the Yukon.
Rates and product details are effective as of July 1, 2016, and are subject to change without notice. All plans are subject to the terms and conditions of your Policy and Documents of Insurance. Premiums vary by breed and where you live.
Pet insurance is arranged for by Hudson Bay Financial Services and underwritten by Petline Insurance.